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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.

      Frankly I don't think that is any accident.

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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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CCOLQUITT vs Halifx


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Ok, here's a big one. I've come from being a student 2 years ago, and HBOS have been hitting me pretty hard. I sent the request for the charges notification, and sent a preliminary request for refund.

 

I received a very polite letter letting me know that they are unable to refund to me.

 

I've punched into the interest calculator, and since 2002, including interest, HBOS have taken from me £3013.32.

 

My overdraft with them is £1500. I currently owe £3000 in active debt after being a student. My point? If these charges hadn't been applied, I would be effectively debt free now!

 

I'm about to send the letter advising them I'll be taking action, but would like some advice and input first. This seems a HUGE amount of money, and I would like to know my risks and chances.

 

Any feedback would be greatly appreciated! I'll be sending the letter on Wed.

 

C

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WELCOME

The best thing you can do is read the FAQ's and read around the forum.Reading how others are getting on , what responses they are getting and in what time limits.You need to make yourself fully aware of what you are undertaking .If when you have done this you have any further questions that have not been answered anywhere else ( most have ) then come back to your thread and ask away.The main thing to remember is this is your money and as you said if it hadn't been taken from you then you would be debt free now.The support is here but you have to put in a lot of work yourself.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Update:

 

Spoke to the citizens advice bereau last night, and they are fine with everything in the forum letters. They were very supportive, and gave some great ideas (including always referring back to the letter the bank sent you back. Keep it a line of correspondance, not a set of new contacts to them).

 

I'm sending the Letter before Action by registered post today, asking for £3000+ back from them.

 

Fingers crossed.

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  • 3 weeks later...

Hi all,

 

Have received a letter back from Halifax complaints. Received by them 18th April, they have said that it is to be passed to a rep and a response of certainly no longer than 4 weeks should be expected.

 

Do I wait and give them the time, or do I push them for the 14 days from the date of my letter?

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Hi - Stick to your timetable not theirs. This is a common tactic with them. Just push ahead after your 14 day deadline. Don't break step.

  • Confused 1

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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  • 1 month later...

Quick update for you all guys. Halifax responded offereing me a token gesture of £142, but this was a day after I started claiming on moneyclaim. I've now completed this today, and await to hear the result.

 

Yikes, a lil!!!

 

I'm fine, as my parents live in England, but I'd like to know what a scottish resident does about claiming, if they don't have an english address for the docs to be posted to?

 

I've also been in touch with Vicky at Diverse, and wil be back in touch about showing up HBoS for a docu.

 

I also noticed they managed to hit the Metro again today, with the amount of charges.

 

Any help anyone has at this stage, even anything that can calm my nerves a little, would be GREATLY appreciated!

 

Laters.

 

C

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If you are feeling a bit nervous then just read around the threads where people have already recieved their money back,you will find it helps loads :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

Wow.

 

Letter through from halifax after they acknowledged my claim at the beginning of the month.

 

They settled out of court. All £3000 odd pounds back!!!

 

They were very intent on pointing out that this wasn't a statement of admission, and the only reason they settled was it would cost them money etc etc.

 

But they still settled.

 

Thanks VERY much to everyone for the help here! It's been great. It's a long and scary procedure, but you guys all make it a lot easier!!!!

 

My advise to anyone, go for it. Remember why you're claiming these charges back.

 

And the best way to make sure you don't have to do it again? Keep all your money in a carrier bag under the mattress.

 

lol. Much thanks again

 

Chris.

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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