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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • filed the defence at same time as suggested @dx100uk
    • Also, I am trying to understand how invoicing a large sum in a 6m period becomes tax fraud?   Is it because if he had invoiced over the £85k threshold he should have been obligated to charge vat?  Which would have meant hmrc would have benefited from the vat amount? So by not charging it Hmrc have lost out on £s revenue?  Is that what makes it tax fraud? So as a self-employed contractor, let's say he invoiced one Co for 200k.  Should he have charged vat on the full 200k (£40k)? Or just on the sum above the threshold (£23k)?  And that by not charging vat, he has knowingly withheld tax £s from Hmrc? And is the payer complicit ?
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Gollie v Halifax ***SETTLED IN FULL****


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Ok i have never really had any problems with my bank charges until last month when i got charged £150 quid for going overdrawn about 50 quid. So I sent my pre lim letter. Then on the 10th day hsbc sent me a letter offering me £90.00. I am declining i basically just want to know if this letter would be ok to send.

 

 

Dear Sir/Madam,

 

 

Thank you for your letter dated 18th July 2006 offering me £90 of my total claim of £150.00. Unfortunately I am not willing to accept this sum and I am continuing to claim for the full amount.

 

It has now been 14 days, and I have not received any notification of when you will be refunding my charges in full.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. The charges that you applied to my account are unlawful under common, statute and contract law.

I am frankly shocked that you have operated my account in this way, as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

To clarify my request: I calculate that you have unlawfully taken £150 from my account between 21st June 2006 and 28th June 2006.

 

I require repayment in full of £150 for the charges that been unlawfully levied from my account. Additionally I have recently become aware that a further charge of £28 is due to be unlawfully taken from my account on 31st July 2006. If this charge is levied from my account before my claim is resolved then I will revise my claim to recover this additional charge. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit license under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

 

Yours faithfully

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Ok well i sent them my LBA which refused the offer for £90 it also added that there are further charges to be applied on such and such dates and if these charges are not refunded before this case is resolved i will be revising my claim. Now they have 7 days left to reply to my LBA.

 

These charges have now been applied increasing my claim by £148 suming it to a total of £298. Should i send a small letter just notifiing them that i have revised my claim or should i just wait to see how they reply.

If so what letter do you recommend

 

Below is a copy of the last letter i sent them which was dated 28th July

 

Dear Sir/Madam,

 

 

Thank you for your letter dated 18th July 2006 offering me £90 of my total claim of £150.00. Unfortunately I am not willing to accept this sum and I am continuing to claim for the full amount.

 

It has now been 14 days, and I have not received any notification of when you will be refunding my charges in full.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. The charges that you applied to my account are unlawful under common, statute and contract law.

I am frankly shocked that you have operated my account in this way, as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

To clarify my request: I calculate that you have unlawfully taken £150 from my account between 21st June 2006 and 28th June 2006.

I require repayment in full of £150 for the charges that been unlawfully levied from my account. Additionally I have recently become aware that a further charges to be taken from my account. £28 is due to be unlawfully taken from my account on 31st July 2006 and also four charges of £30 are due to be taken out on the 31st July 2006. If these charges are levied from my account before my claim is resolved then I will revise my claim to recover these additional charges. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit license under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

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Ok well i sent them my LBA which refused the offer for £90 it also added that there are further charges to be applied on such and such dates and if these charges are not refunded before this case is resolved i will be revising my claim. Now they have 7 days left to reply to my LBA.

 

These charges have now been applied increasing my claim by £148 suming it to a total of £298. Should i send a small letter just notifiing them that i have revised my claim or should i just wait to see how they reply.

If so what letter do you recommend

 

Below is a copy of the last letter i sent them which was dated 28th July

 

Anyone?

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There are two days to go til the lba deadline is up!

 

I phoned the bank to see if they had recieved the letter ok they said yes they are looking in to it now. They are reviewing it and should respond within a few weeks.

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Customers.

 

From what you have read in this forum what would you say halifax's standard proceddure is for these cases. Do they wait until a claim has been filed and then offer. Or do they settle before the 14 days from lba is up. Do they be awkward and settle 2 days after LBA is up. Do they only offer a small percent?

 

I am just trying to gather as much information up as quick as i can.

 

Thanks

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From what I've read, they only settle once you've sent it to court......the amount of days after varies.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Ok 14 days is up and now prepared to take it to court. Can someone please advise me on how to do this and what is the best way around it. I have sent them the LBA 14 days expired on friday. I am fully prepared to file for a claim

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There were more charges applied to my account during the 14 day timescale. I was going to send this courtesy letter just letting them know of the revised amount.

 

14th August 2006

 

Dear Sir/Madam

 

I have previously contacted yourselves regarding unlawful charges that were applied to my account summing a total of £150. Since then however there have been more charges applied to my account which have led for me to revise my claim as stated in my previous letter.

 

There were two charges applied to my account. One charge of £118 was applied on 31st July 2006 and another charge of £30 applied on the 3rd August 2006. Which has led to me revise my claim, increasing the total amount to £298.00

 

As a courtesy, I am willing to extend my deadline by a further 7 days before issuing my claim to the County Court. If you do not comply fully within 7 days then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

 

As I have stated in my previous letter, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

 

Yours sincerely

 

 

 

 

Is this recommended or better left alone and just to continue with filing a claim.

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Is there anyone around to offer any advice? I am also just on the money claim site just having a look around starting the claim just getting a better understanding of money claim and find out how much my claim will cost. At the moment i do not have the money to file for claim. But what are halifax's details such as address and full organisation name.

 

Need a bit of help with the site.

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Claimant has account ******** with Defendant

from 2003 conducted on their standard terms

and conditions. Claimant is claiming the

return of £298 taken by Defendant in charges

since 21st June 2006. The Defendant's charges

are a disproportionate penalty and therefore

unenforceable as they are contrary to common

law. They are also invalid under the Unfair

Contracts Terms Act 1977 s.4 and under the

Unfair Terms in Consumer Contracts

Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a

penalty they are unreasonable within the

meaning of the Supply of Goods and Services

Act 1982 s.15. Defendant has declined

justification of charges despite repeated

requests.

I am not goign to claim for interest as its only been a month and is only 2 quid so im not bothered.

 

Is the above correct to put in the particulars of the claim. Also the question were it asks does my claim include any issues under the human rights act. I have ticked no is this correct.

 

I am also claiming for a total of 298.00

 

Can someone please clarify that the correct address i put for the defendant is Halifax Plc, Trinity Rd, Halifax, HX1 2RG

 

Thanks

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I am not goign to claim for interest as its only been a month and is only 2 quid so im not bothered.

 

Is the above correct to put in the particulars of the claim.

Yes

 

Also the question were it asks does my claim include any issues under the human rights act.

 

I have ticked no is this correct.

 

thats correct

 

I am also claiming for a total of 298.00

 

Can someone please clarify that the correct address i put for the defendant is

we used HBOS PLC, Legal Services-Retail Division, Trinity Rd, Halifax, HX1 2RG

 

Thanks

mechs

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Ok i am ready to file for a claim now, i am sick of the letters now want to get it going properley.

 

Will it make any difference if i dont file for a claim instantly. Will it make any difference if i wait a week

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no difference at all its up to you when you claim but the sooner you file the claim the sooner you get your money

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I was going to file for a claim on money claim on friday. However its come to my attention that two further charges come out next week totalling 60 pound. Am i allowed to just add that on next week when it comes out, should i let the bank know etc?

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Ok here is the situation i am at, at the moment. I have no money to file for a claim until the 25th august when i get paid. Also there are two additional charges to come out next week. I am also not going to be living in the address the bank have for me for the next three weeks so i can not recieve any mail they send to that address.

 

So i have decided to send this letter to the bank. Is there anything anyone can recommend i can do to amend the letter to make it better.

 

Dear Sir/Madam

 

I have previously contacted yourselves regarding unlawful charges that were applied to my account summing a total of £150. Since then however there have been more charges applied to my account which have led for me to revise my claim as stated in my previous letter.

 

There were two charges applied to my account. One charge of £118 was applied on 31st July 2006 and another charge of £30 applied on the 3rd August 2006. This has led to me revise my claim, increasing the total amount to £298.00.

 

There are also two more charges totaling an additional £60 to be deducted from my account on the 23rd August 2006. If these charges are applied to my account then I will once again be revising my claim to cover for the additional unlawful charges.

 

As a courtesy, I am willing to give yourselves to the 24th August 2006 before I issue my claim to the County Court. If you do not comply fully before that date then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

 

To clarify: If I have not received a full refund totaling £298.00 before the 24th August 2006 then on the 25th August 2006 I will be filing a claim for the full amount plus interest, plus my costs and without further notice. In addition to the £298.00 if any other charges are applied to my account before the 25th August then I will revise my claim to include the additional charges. This includes the charges due to come out on the 23rd August 2006 for £60.

 

As I have stated in my previous letter, I shall also submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit license under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

If you have any correspondence you wish to send to me regarding this matter then can you please send it to the below address as access to my previous address is unavailable for the next three weeks.

 

 

 

*****

*****

 

*****

 

 

Yours Sincerely

Any help is greatly appreciated

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just an aside, but you mentioned HSBC in your opening message, just checking you're in the correct section....

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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just an aside, but you mentioned HSBC in your opening message, just checking you're in the correct section....

 

Yes dont worry, i have two accounts im dealing with at the moment so i can sometimes get confused. HSBC paid up relativly quickly halifax however seems to be going on forever.

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If anyone can just quickly check my thread in the gollie vs halifax thread. Can anyone give any advice on sending wether i should send that letter or not. Sorry for posting again but i will have to post it today if im to post it.

 

Thanks alot

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Why you need to post this here is not clear.......you could have posted this in your thread !!

 

Your request for mods to look at the letter ???

 

 

Forgive me for sounding rude but you have already had several opinions on your letters.......and if the mods spent all their time checking everyones letters ............

 

For the record it looks ok.......but please read the faqs a little more and get some insight from other threads too.

I understand you may want to be more than careful but you will satisfy yourself on this point by just looking around the site a bit more.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Why you need to post this here is not clear.......you could have posted this in your thread !!

 

Your request for mods to look at the letter ???

 

 

Forgive me for sounding rude but you have already had several opinions on your letters.......and if the mods spent all their time checking everyones letters ............

 

For the record it looks ok.......but please read the faqs a little more and get some insight from other threads too.

I understand you may want to be more than careful but you will satisfy yourself on this point by just looking around the site a bit more.

 

Thanks for you help but nobody has stated anything regarding the letter and i have to post it today if its to be posted hence why i needed a response today. Thanks for your help tho

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