Jump to content


  • Tweets

  • Posts

    • 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 ?
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Cap1 & CCA return


tamadus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4983 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

The debt would be covered by the new agreement and the unenforceability of the original agreement will become irrelevant.

 

This is something everyone needs to be aware of, as signing a new agreement post 6 April 2007 means you are no longer protect by s.127(3) CCA 1974.

 

I am aware of several unscrupulous companies offering "top ups" to previous loans that are unenforceable, meaning a new agreement is entered which is fully enforceable.

 

Watch out for this practice, folks.

 

:x

 

 

 

 

Hi,

 

 

I would be also aware of this company;

 

Balance Transfer Programme

 

 

It seems that Link Financial's latest tactic is to pass on accounts to this company!

 

At least that is what they have done to one of my alleged accounts!

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/58913-mbna-link-financial.html

 

 

Regards, Jeff.

Link to post
Share on other sites

If the interest is front loaded, then there should be an early settlement rebate if the loan is repaid early.

 

If there were unlawful charges or if the correct early settlement rebate was not given, those could still be reclaimed but only those.

 

However, I do agree that the new agreement is unenforceable even if the previous one was not.

 

Thanks Viscount.

Link to post
Share on other sites

Hi guys ..could you tell me my nxt possible move on this thanks

 

UPDATERight guys ive just received this CCa from robbers way reqarding an Marbles/HFC account..looks like it has just been printed off,,no signatures anywhere, not even any room for them,, Also the account number on the agreement aint mine lol ,,, What a bunch of twits they are ...Also they have sent me 2 of the same agreements with other peoples names and addresses on them ..OHHHH DEAR ...What happened to Data protection??took the card out july 2005..was the late fees 12.00 quid then?? received no other paper work from them..So i have a newly printed of agreement with no sigs and not even my account number,,also have 2 other poor peeps agreements ..where do i go from here guys??http://i152.photobucket.com/albums/s...1/P1010052.jpg

http://i152.photobucket.com/albums/s...1/P1010051.jpg

ive also noticed that it says the bank of scotland plc are the money lenders....Ithought it was the beneficial bank or some1 like that

Link to post
Share on other sites

..Also they have sent me 2 of the same agreements with other peoples names and addresses on them ..OHHHH DEAR ...What happened to Data protection??

 

 

 

Oh dear indeed! Think you might like to pass this info. on to ICO ;)

 

The first image looks odd at the top Babydoll. Did it come like this or did you fold it over or something? It looks to me more like the reverse of an application form than anything resembling a CCA.

 

If they've not sent you YOUR account (ie. account no, name, address etc) they've not complied with the S77/78 request & looks like they've also shot themselves in the foot over the DPA.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

The fact that it says Bank of Scotland makes me think they're trying to fob you off with a brand new agreement.

 

BOS has only just acquired Marbles. Back in 2005 it was owned by HFS a subsiduary of HSBC.

 

Like Foolishgirl says: looks like they've shot themselves in the foot over this one :D

Link to post
Share on other sites

Hi upto neck and foolish ..thanks so much for taking the time out to look at this agreement ..i find it very strange also ..

 

Foolish girl..i just folded over the top part of the cca as it had my address..but they even spelt that wrong..and my so called account number,just b4 i folded it it does say credit card agreement regulated by the consumer credit act 1974

 

Uptoneck,,,i knew halifax didnt own it at the time i got the card,,glad they have shot theirselfs in the foot ..anyone know of a good letter i should send ..and do i mention that i have mrs and miss agreements has well ..or do i keep quiet about them :)

 

thanks guys

Link to post
Share on other sites

Hi Paul

 

After an hour sat in the bank they still would not hold there hands up.

 

The bank manager said all the power has been taken from them and it has to be passed to Customer relations.

 

I have given her 2 weeks to sort out or I will be issuing Court proceedings personal to her at the local branch and inform the Police as possible fraud.

 

Basically the bank have sold us PPI we did not ask for but forgot to put it on the agreement...:D

I WOULD BE MORE INCLINED TO BRING IN THE FRAUD SQUAD IMMEDIATLY JUST TO MAKE SURE YOU ARE NOT THEN PARTY TO A COVER UP OF A KNOWN FRAUD

GO FOR IT HAK WHICHEVER WAY THEY WOULD HAVE TO SCRUB THE DEBT

PATRICKQ1

Link to post
Share on other sites

 

Uptoneck,,,i knew halifax didnt own it at the time i got the card,,glad they have shot theirselfs in the foot ..anyone know of a good letter i should send ..and do i mention that i have mrs and miss agreements has well ..or do i keep quiet about them :)

 

thanks guys

 

I'd wait until after the deadline for non-compliance has passed if I were you, then send them a letter similar to the one posted by Slick132 here: http://www.consumeractiongroup.co.uk/forum/barclaycard/139191-tonka-99-barclay-card.html#post1483476

Link to post
Share on other sites

Uptotheneck...thank you so much a letter is on its way on monday ...and despratedan i am going to write to the owners of the agreements i have and send them copies of the agreements too.U are angels thank you

 

BD x

 

Can or shall i add in the letter to robbers way that they have not given me the right account number..and also that they have sent me other ppls agreements as well..??

Edited by babydoll0141917
Link to post
Share on other sites

Uptotheneck...thank you so much a letter is on its way on monday ...and despratedan i am going to write to the owners of the agreements i have and send them copies of the agreements too.U are angels thank you

 

BD x

 

 

 

 

You might also want to point them in the direction of us lot.

 

 

Just in case!!!;)

 

 

 

 

 

Regards, Jeff.

Link to post
Share on other sites

Following up on the posts about replacing an old, unenforceable agreement with a new, enforceable one, a thought has occurred to me.

 

Where this was initiated by the creditor, would the unfair relationships provisions potentially apply?

 

Granted that is entirely discretionary (so an unsympathetic DJ would find it very easy to throw out) but I thought it was worth highlighting to see what others thought.

  • Haha 1
Link to post
Share on other sites

Just drafting a letter to the bank..

 

Has anybody got the case law cases for defaulting incorrectly..

 

I know there is 2 but cant find them... I think Swain something and the PC world one

 

 

Cheers

 

HAK

Link to post
Share on other sites

Cheers VS

 

do you know the correct heading for the Swain case

 

HI Hak

 

I think your agreement was secured don't forget section 106 and 113.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Thanks, BRW. I'm getting better at remembering what to look for but still not always where to find it.

 

Woodchester is THE case on defaults.

 

Durkin is more of a recent application of the same principle as in Khorapor (spelling ?) and a very expensive one indeed for DSG.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4983 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...