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

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

      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
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Sick (literally) of DCA's


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Noddle is free, but seems to be the slowest out of all the agencies to update.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Had a quick look at Noddle and no big surprises.

 

My CCJ is there but as I said due to "expire" in a few months.

 

Also a debt that will hit 6 years after default date in a few weeks.

 

Apart from that no sign of a few so called debts that are being chased. Does this mean they are SB'ed or maybe not noted on Noddle?

 

Actually that's not strictly true. I noted a debt on there that I do not recognise at all! And it has an account start date that is impossible as I wasn't even in the country at that time and hadn't been for quite a few months - almost a year in fact.

 

Any ideas? Should I ignore it? Wait for them to write again and then send off a prove it letter?

 

Ill send off for my statutory report tomorrow to the other 2 CRA's.

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Theyre probably not noted on noddle. Check Experian and equifax and ask them for the £2 statutory report.

 

As for the debt you say you have no knowledge of, call the CRA and tell them. They will place a note on the file and contact the company who put the default on there.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

UPDATE :

 

so I got a report from Equifax.

 

Pretty much the same as Noddle.

 

Couple of things due to expire shortly as above.

Plus the missing stuff, assumed SB'ed?

I also saw the same unknown account as above.

 

I contacted Equifax regarding the unknown account.

 

Got a reply today saying that the DCA want me to phone them to discuss the matter.

Fat chance!!!

 

Just waiting for the report from Experian.

 

So what does everyone think?

 

Chances are good that stuff not on the reports so far IS SB'ed?

 

As for the unknown account, they want me to call them.

I know you guys always say NEVER do that.

So what now?

Appreciate the help!

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Never discuss any thing with a DCA by phone!!

As to SB yes not on CRAs good indication to SB

but if any payments have been made at any time

restarts the clock so you need to know the date of

the last payment.

 

Write to the Compliance manager of the DCA concerned.

 

Ref: xxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to the debt for £xxxx which you allege is owed by me, please

take note I do not acknowledge any debt to xxxx or any company you

claim to represent.

 

I have no knowledge of any such debt and cannot therefore enter

into any conversation or correspondence regarding the allged debt.

 

All contact if any is relevant must be made in writting, proof of posting

is not accepted as proof of delivery.

 

Recorded delivery and wait to see what occurs.

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Tell Experian you are going to take THEM to court for defamation for allowing a debt to be shown on your files which is NOT yours unless they remove it pronto. Tell them THEY are responsible for their records, not the DCA.

 

Experian are now selling housing data to the financial world so they have their fingers firmly in data collection and selling, surely a conflict of interests?

 

Has anyone thought about doing a class action against Experian et al for wrecking employment and other prospects by holding data which is not fit nor relevant for the purpose it was designed for?

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Any such action would be difficult as the CRAs handle data fed to

them it is not data they can research to verify it.

 

The ''creditors'' supply data on the term that it is accurate, up to date

and justified.

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It is passing the buck, what I am really on about is Experian making up 'data sets' and selling them - this should not be allowed in any way, shape or form, and WE should have the ultimate control on OUR data.

 

I fully believe that Experian et al have fuelled the economic decline of this country and fuelled the economic immigration that we are experiencing as people are now subject to credit checks for any kind of employment.

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I fully believe that Experian et al have fuelled the economic decline of this country and fuelled the economic immigration that we are experiencing as people are now subject to credit checks for any kind of employment.

 

Eh?

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Sequenci, you would not understand, not having experienced the frustration I have had over credit checks via job agencies for jobs which do not involve me having any kind of access to company money, nor even trying to get a decent flat without paying for this unlicensed, unregulated group of organisations which seem intent on ruling the world.

 

Think about it, if somebody in the UK is being bypassed for a job PURELY on a poor credit rating then who exactly is filling the vacancy?

 

Can you find me anywhere where it says this is legal or fair?

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OK what would you like to do about this, challenge the DCA or Cabot financial?

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Ok. Sounds good. Should I write to them? And what letter should I send? The one you previously mentioned in this thread? Or should I wait for them to write to me again, and then reply? Sorry for all the questions! And thanks for you patient help.

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Ok. Sounds good. Should I write to them? And what letter should I send? The one you previously mentioned in this thread? Or should I wait for them to write to me again, and then reply? Sorry for all the questions! And thanks for you patient help.

 

Let me re-read the whole thread, then I'll draft a letter for you.

 

OK?

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You're a gentleman and a scholar. Not to mention a true legend. Thanks Brigadier!

 

Will be done pm (late) tomorrow!

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Sorry will do asap, had large numbers of family arrive

to see the lady Brig prior to here birthday.

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

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