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    • out of the blue text and email from J&P asking me to make contact regarding ref number.   Plan to adopt same tactic as for last 12 years with CW&D, IRDWW, IDR etc  
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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
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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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1st Credit


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Tell them it is a lawful request FOR ALL THE

DATA THEY HOLD ON YOU AND THE ACCOUNT

any thing else is none of their business:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Had a letter from 1st Credit saying:

 

The document you have requested is retained by our client. We will therefore advise then of your request and arrange for the document to be sent to you as soon as possible.

 

Should your request also include the below documents, please be advised of the following:

 

Deed of Assignment - we would refer you to Section 136 of the Law of Property Act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the Deed itself.

 

Copy statements - there is a charge for this information.

 

On receipt of the copy agreement we would expect you to contact this office immediately to arrange settlement of the debt.

 

 

Is this good?

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I also got ANOTHER credit card statement from Vanquis saying that I still have a credit limit and my minimum payment due is £1,297.26

 

It says, where the transactions are normally, that "Please make sure you leave enough time for your payment to reach your accoubt by the payment date shown above" then "Your details have been passed to 1st Credit limited to recover the outstanding debt. Please contact them directly on ... With any queries"

 

Not had any separate letters or saying that the debt has been transferred to 1st Credit

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  • 4 weeks later...

Scanned Credit Agreement - Edited.pdfHi

 

Please find it attached. I had the flu last week so was off work.

 

In their letter, that I received last Monday (8 days ago) said that I had to contact their office within 14 days to arrange payment. They are again sending me text messages and emails asking me to contact them. In fact in a text I received yesterday says "1st Credit are now dealing with your account balance of £xxxxxxx in relation to VANQUIS BANK. Please call us on xxxxxx quoting ref xxxxx" - This confused me as I know they are and They know that I know.

 

Even if they wanted me to contact them within 14 days from the date of the letter, then that would be this Friday.

 

I have not heard back from Vanquis regarding the SAR, that was sent on the 10th October 2011 and a futher letter on the 20th October 2011 asking them to return the Postal Order so I can amend the "PayTo" field.

 

What should I say to 1st Credit now?

Edited by AceDaz69
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Just tell the you are awaiting information

fron the original creditor and that in future

all contact must be in writting only.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

I received this end of last week as the result of me sending a letter to 1st Credit stating that I am waiting to hear back from Vanquis Bank regarding a SAR that I issued to Vanquis Bank, I also enclosed both the letters I sent to Vanquis Bank.

 

What happens if Vanquis Bank does not respond to the SAR? I originally requested the SAR on 10th October 2011, then a followup letter on 20th October 2011.

[ATTACH]32115[/ATTACH]

 

Can someone help me upload pictures? I have tried numerous times but it only uploads the picture at around 8k, which as you can see you are unable to read. I have tried resizing the picture but with the same effect.

1stcred-vanq-letter for copies of invoices014.zip

Edited by AceDaz69
Tried to sort out the attachments, When I upload anything it comes back as 8k which noone can read
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Report them to Trading Standards and the OFT, it can be done online.

 

They shouldn't be contacting you at work, they know they shouldn't :- http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

 

Not really, but 1st credit started contacting me at my works address, and it has been over 2 months since I originally sent the SAR to Vanquis Bank
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Will have a look, thanks.

 

I presume that as they have me down on record as being a female doesn't affect my contract? Or would this make it invalid?

 

 

Report them to Trading Standards and the OFT, it can be done online.

 

They shouldn't be contacting you at work, they know they shouldn't :- http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

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Your male and they have you down as a female, could you explain how and the history of their error?

 

Will have a look, thanks.

 

I presume that as they have me down on record as being a female doesn't affect my contract? Or would this make it invalid?

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