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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 
    • 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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Apex


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  • 4 weeks later...
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  • 4 weeks later...

My CCA is more or less the same as what everyone else has recieved recently.

 

I am waiting to see the outcome of this court case in March,apparantly it will give all of us an idea or confirmation on prescribed terms within our contracts and if they be enforceable or not!!!

 

I am watching the skies!!!;)

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  • 4 months later...

Hello again,

 

Back in January 2010 Apex sent what appears to be a photocopy of my origional Egg credit aggrement 2003 & has my signature at the bottom in a little box!.

It also state under limit-"we will you from time to time the approved limit we have set and,if different,the individual limit you have chosen on the account".

They also mentioned in a seperate letter they were awaiting receipt of my statement of account.

 

On the 01/07/10 Apex sent me a statement of account for my Egg card and went on to advise me of the urgency to contact them to arrange payment of debt owed.

 

 

Can anyone advise what my next course of action would be as i would rather not be dealing with Apex to resolve this debt.

Like most other people on here would i be right in thinking to delay until PT2537's case outcome? and what can i do to delay until then?

 

 

Many thanks

cca.jpg

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Hello again,

 

Back in January 2010 Apex sent what appears to be a photocopy of my origional Egg credit aggrement 2003 & has my signature at the bottom in a little box!.

It also state under limit-"we will you from time to time the approved limit we have set and,if different,the individual limit you have chosen on the account".

They also mentioned in a seperate letter they were awaiting receipt of my statement of account.

 

On the 01/07/10 Apex sent me a statement of account for my Egg card and went on to advise me of the urgency to contact them to arrange payment of debt owed.

 

 

Can anyone advise what my next course of action would be as i would rather not be dealing with Apex to resolve this debt.

Like most other people on here would i be right in thinking to delay until PT2537's case outcome? and what can i do to delay until then?

 

 

Many thanks

cca.jpg

 

Surely you dont have to do anything to delay, just ignore them :) Or am i missing something ?

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if it were that simple dd,but i would prefer to be compliant to a certain point without getting myself into trouble or handing money over until every option i have open to me has been exhausted!

 

What are my next options though?

 

 

Many thanks in advance!

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if it were that simple dd,but i would prefer to be compliant to a certain point without getting myself into trouble or handing money over until every option i have open to me has been exhausted!

 

What are my next options though?

 

 

Many thanks in advance!

 

But you dont have to explore any options, (except the CCA one, which you have already done).

 

What it comes down to is Apex can't do anything untill they take legal action, now as we all know, the Egg CCA's appear unenforceable, so whether court action will be taken is doubtful.

 

P.S. Im in the same boat, I'm not going to play letter ping pong with Apex, so i just ignore them, ( I had previously obtained my CCA from Egg and it is the same as yours.)

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Sorry to jump in to this thread...

 

I'm in the same position as you, Andy. I've been following pt's thread for a while and am now ignoring letters from Apex. I've had three of the "debtors notice" ones with the red banner. The last one I recieved was a bit different and starts with:

 

"Further to our previous letter, your failure to discuss this account and reach a mutually acceptable arrangement now leaves us with little alternative but to commence legal action for payment of the amount owing"

 

Apparently my acccount is being processed and "may" be passed to their solicitors in 10 days time.

 

I'm still ignoring them as I can't see them taking me to court until a decision is reached in pt's case.

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  • 2 weeks later...

Hello again,

 

Have received letter from Apex asking for a payment or contact within 10 days or my account will be passed onto "PRE-LITIGATION ASSESSMENT".

 

They go on to say they will consider legal enforcement of debt against me or my property.

 

My question is,how safe is my house when a non-secured debt is owed/disputed?

 

Many thanks in advance

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Hello again,

 

Have received letter from Apex asking for a payment or contact within 10 days or my account will be passed onto "PRE-LITIGATION ASSESSMENT".

 

They go on to say they will consider legal enforcement of debt against me or my property.

 

My question is,how safe is my house when a non-secured debt is owed/disputed?

 

Many thanks in advance

 

Very safe.

 

Whilst it is clearly possible your home is at risk on a secured loan, on a unsecured one the risk is minimal.

 

The very worst that could happen is that in the likely event Apex did take legal action and won there is a slim possibilty they could get a charging order, this would just mean that if you sold the property they would be on the list of people who you had to pay alongside your mortgage co. etc, all of this is very very unlikely though. Its certainly not anything like a repossession order though.

 

Andy

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They would have to obtain a CCJ against you on which you would have to default before they could get a charging order. Note that to get a CO they simply need to apply to the court and they will get an interim order without anyone telling you until it's been done. These is then a hearing to determine whether the CO should be made final.

 

Once a CO is in place, most creditors will sit back and wait for you to sell the home or remortgage at which point they will step in and will be paid. Alternatively they can apply to the court for an order for sale which is very, very unlikely to be granted.

 

If you believe that the agreement is unenforceable then you must defend the court claim as strongly as you can. If a CO is put in place, you would have the devil's own job in contesting it later.

 

Having said that your letter sounds like a standard threatogram.

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Jon,

 

I have several of those letters. The next one will be a "DEBTORS NOTICE" (big red banner across the top) which will say pretty much the same thing. I have three or four of those too.

 

They are standard letters, and have so far not been backed up with any action.

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thanks for reply Roary!

 

I would really have prefered to settle this debt with egg,as i had been on their debt management for around a year(without defaulting)before they sold mine/everyones debt on,which i though was very unfair!

nothing illegal about what they did, but would have thought fair to let me come up with a final offer that i could afford,probably more than what egg sold it to apex for!!

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  • 2 weeks later...

That was a right pain in the arse trying to find my thread!!

 

Anyway,Have received a 1st debtors notice which contains many "may's" if i dont resond in some way

as i am awaiting outcome of PT's case,what should i do?

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  • 2 weeks later...

Hello

 

Another letter recieved which states that i now have a personal case handler and that my case may still be passed on their litigation dept 10 days from date of this letter.

 

What should i do next as i am still waiting on PT's case? should i do anything at all?

 

 

Many thanks

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Have you received any documents from them yet?

 

Hi Cerb,

 

I have recieved so far..

 

(Photo)Copy of Egg aggrement (signed)/Terms & conditions,after CCA request sent!

 

(photo)copy of statement of account

 

First Debtors notice

 

letter mentioned in previous post

 

 

I was keeping up to speed with PT's thread before the site change,can't locate it now?

 

 

Any advice would be appreciated

 

Thanks in advance

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He's removed the thread for the time being.

 

Have you had the Egg agreement checked over?

 

No,not sure how to go about it,whether i stick it up here for someone to look over it?

 

But i think its the same as most on here with reference to the prescribed terms and other thingamjigs!!

 

I will stick it up?

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