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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
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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.
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HSBC/DG claimform - OHs Credit Card Debt


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Nice1 Daisy,

 

Personally, I would contact the Information Comissioners Office and seek their guidance.

 

Also tell them about the letter and if they agree to take your case on, send a copy with your complaint form.

 

DJ

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  • 1 month later...

Hello everyone

 

Have received early xmas present from northampton. Would appreciate any help dealing with this. The particulars of claim is below.

 

The Claimant's claim is for the balance outstanding under a credit card agreement dated xxxxxx and numbered xxxxx regulated by the consumer credit act 1974. The defendant has failed to make payment of the arrears of instalments as required by the Statutory Default Notice served by the claimant dated xxxx.

 

AND the claimant claims:

 

1. full balance

 

2. Interest pursuant to section 69 of the County Court Act 1984 at a rate of 8.000% per annum from the date hereof at a daily rate of 2.39 to the date of judgement or sooner payment.

 

I know I have to acknowledge service and I'm going to do that today online.

 

Thank you all for any help you can give me.

 

 

Cheers

 

 

Daisy

Daisy

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Hi

 

Tried to acknowledge service online yesterday the website kept telling me the claim number or password was wrong. Have called northampton today and was told to fax or post the acknowledgement so will do that today.

 

Would appreciate any help with the forms. Thank you

 

 

Daisy

Daisy

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Hi everyone

 

I have received a claim form from northampton. I have a thread running in the general forum about this . I would appreciate if someone could have a look and advise me on what to do. I have tried to acknowledge service online but am getting error messages so will send by post tomorrow. Thank you all.

 

Particulars of claim

 

The claimant's claim is for the balance outstanding under a credit card agreement dated xxxx and numbered xxxx regulated by the consumer credit act 1974. The defendant has failed to make payment of the arrears of instlments as required by the statutory default notice served by the claimant dated xxxx.

 

AND the claimant claims

 

1. xxxx fulll balance

 

2. Interest pursuant to section 69 of the county court act 1984 at a rate of 8.000% per annum from the date hereof at a daily rate of 2.39 to the date of judgement or sooner payment.

 

Any help would be appreciated. Thank you

 

 

Daisy

Daisy

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hi

 

Have acknowledged service and need to send a 31.14 request, is that right? Do I ask for everything tyhey have or just the documents they have mentioned in their poc.

 

Thank ylou for any help you can give me with this. Much appreciated as always

 

Daisy

Daisy

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hi. yes, CPR 31.14, 31.15 state that a party can request a copy of a document mentioned in the claim form. a CPR 18 request can be done for any 'clarification or information'. imo.

have a read around related threads, see what others have done. here's some thread info for eg.

http://www.consumeractiongroup.co.uk/forum/showthread.php?241827-Legal-Action-how-to-start-off.-IMPORTANT-IF-YOURE-BEING-SUED

http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage

http://www.consumeractiongroup.co.uk/forum/showthread.php?255329-CPR-part-18-vs-CPR-31.14-Confused-well-read-here

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hi

 

ok read the third link, I can only ask for copies of agreement and default notice as they are the only documents mentioned in poc. CanI ask for extension of time to file defense in the cpr 31.14 letter as well or do I need to do that seperately.

 

I have already made sar request and they cannot provide statements from inception, there is 7 years missing, they say they only keep documents for 6 years. Also sent me a blank agreement with my name and address hand printed by them with, no prescribed terms, no signature and a set of terms and conditions which look like a leaflet.,,

 

Thank you for helping I think I understand cpr 31.14 now and will get a letter off tomorrow.

 

Will update

 

Daisy

Daisy

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Hi

 

Had until 20th December to acknowledge, this was confirmed by northampton when I rang them. I dont know how long I have after that to defend, I have read that is is another 14 days which takes it to 3 January.

 

Don't you just love their timing with all those bank holidays, I think I'l phone the court on Monday to confirm they have had the acknowledgement form and ask them the date defense needs to be in.

 

Daisy

Daisy

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Hi daisy I am in a similar position as you and I have submitted my defence against HSBC.

 

Do you need help in preparing a defence?

 

I done my acknowledgment of service online plus I sent a copy to Northampton via recorded delivery just to make double sure.

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HI FRETTFUL

 

Have been following your threads for some time and yes please I need help with defense. I tried to acknowledge online but had error messages about incorrect claim number or password so I sent acknowlegement by recorded post.

 

Thank you

 

Daisy

Daisy

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Hi

 

Had until 20th December to acknowledge, this was confirmed by northampton when I rang them. I dont know how long I have after that to defend, I have read that is is another 14 days which takes it to 3 January.

 

Don't you just love their timing with all those bank holidays, I think I'l phone the court on Monday to confirm they have had the acknowledgement form and ask them the date defense needs to be in.

 

Daisy

 

.......CanI ask for extension of time to file defense in the cpr 31.14 letter as well or do I need to do that seperately.

 

ok. yes, 14 days thereafter. so, atm, you have a bit of time re the defence. the time limit for them to send you copies under cpr 31.15 is 7 days after receipt. re extension - see the draft CPR 31.14 letter in the second link i posted, and the para re offering them more time/ & extension. so, you could include that bit and see what they do. as per the letter, if you do offer more time then ensure that yr offer is conditional on an agreed extension re defence.

imo.

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typo
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HI FRETTFUL

 

Have been following your threads for some time and yes please I need help with defense. I tried to acknowledge online but had error messages about incorrect claim number or password so I sent acknowlegement by recorded post.

 

 

Thank you

 

Daisy

 

Well that is good that you sent AOS by post via r/delivery. I can understand how you must be feeling. My case so far is that I sent a CPR 31.14 on the 15 Nov 10 and received no response. In fact I have written 4 letters to HSBC posted r/delivery and to date have received no response.

 

I do not know what they are playing at or what they are planning to do. I filed my defence before the deadline but unfortunately I sent a copy of my draft defence by error. Luckily I realised and rand the court who advised that it would be OK to submit the correct defence which I did 2 days later.

 

My correct defence was sent on the 25 November 2010, and I am neither here nor there at the moment. I would pm you a copy of my defence which I believe would help you very much but I am unable to send you any pm's as you do not have this facility.

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Thanks sillygirl I understand, will include that in my letter and phone the court on Monday about the dates. Will let you know what they advise.

 

I have been reading about s69 interest and understood that amounts over 5.000 could attract interest. I hope I'm wrong.

 

Daisy

Daisy

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