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    • Shall I send their witness statement to you?    I'm very flattered by what you say, I've no legal experience at all, I researched the Internet and just spoke the truth.    You've made me feel very confident, thank you! 
    • Hi.   You need to put your pdf docs into a multi-page file please, or people will be here forever downloading - or give up. Our upload guide will help you.   I expect people will be along to advise later.   HB
    • This is submitted by My Father with my full permission     Diary of Sweden 2019 to date Last update 23/06/2021   Document list: Letter from Transport Styrelsen 290519 Letter to Transport Styrelsen 141220 Certificate from Kronofogden sent 150520 received 130221 Essex magistrates letter 120221 Documents received 130221 in Swedish Letter from Kronofogden sent 150520 received 130221 Letter from Kronofogden 150321 Letter with new hearing date 060421 Notes on appearing in court Swedish translation   Data between inverted commas is file name   15th May 2019 I was stopped at the border having arrived from Denmark. I was several hours behind other drivers in our convoy of articulated trucks You need to add what happened to you include tests and results where you were taken how long held what they did with truck including damage when they moved it. Did they speak to you in English at all times, was their English understandable, was any paperwork translated into an English hard copy, were you given option of having English translations When were you released including taking you licence away. Did they offer any assistance? Were you offered the assistance of a legal representative and legal aid.     The only part in the English Language is “Letter from Transport Styrelsen 290519” and that was about 5 lines on the second page saying I could send a statement to not lose my driving licence rights in Sweden All other paperwork sent to Chelmsford address is in Swedish only so no idea what the charges were and I was not at any stage offered the services of a translator. The “Essex magistrates letter of 120221” point 6 says I was offered the chance of a reply. That was only true if I could speak Swedish. I have tried running all the paperwork sent to me through a translator and it makes no sense whatever.   The statement they have sent to court Documents received 130221 in Swedish are wrong, I was not given the right to reply, just said I could make a statement about retaining my right to drive in Sweden. This was the only opportunity I had to defend myself. In the “Letter from Kronofogden sent 150520 received 130221” sent with the Essex Magistrates letters was dated 15/05/2020 is that now out of date for action, also that’s in English so there is no excuse for other documentation not to be in English Kronofogden states that no letters were returned to them, this is not true as my father sent at least two of them back as Not at this address as I have moved twice since this incident In the “Certificate from Kronofogden sent 150520 received 130221” it states I was Drunk driving, that is not true as I was breathalysed and that read completely clean, I was not given results of blood and urine tests. The Certificate does not split up the fines for the two offences, only the fine and the Sum of money to the Public Fund. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. Drunk driving was not one of the offences to be included on the list, therefore I should not have to pay the full amount and as the amounts only show total for fines and not each offence separately I should not have to pay total amount I should only pay the fine for the offence of smuggling. As they have not itemised fines then this should be dismissed. If not please ask for time to pay after looking at my financial statement.   11th May 2021 Attended magistrates court with my father who had much of the information and understanding of the correspondence. He was stopped at the entrance and refused entry, they then ushered me in straight up to wait outside the courtroom so I could not get the information from my Father. This was stated as Covid rules; the legal people arrived and just walked through with no questions asked. One Paralegal (who happened to be black) was stopped and refused entry even though she arrived with her client, there was a huge argument and the Court manager was requested by the paralegal. This is not the way to give justice to people. In the “Certificate from Kronofogden sent 150520 received 130221” it states I was Drunk driving, that is not true as I was breathalysed and that read completely clean, I was not given results of blood and urine tests. The Certificate does not split up the fines for the two offences, only the fine and the Sum of money to the Public Fund. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. Drunk driving was not one of the offences to be included on the list, therefore I should not have to pay the full amount and as the amounts only show total for fines and not each offence separately I should not have to pay total amount I should only pay the fine for the offence of smuggling. As they have not itemised fines then this should be dismissed. The Magistrate stated that they were not concerned with original case where the fine was given only this one, so judgement was given against me. They said the judgement would be sent to me   To present: I have up to present not received a copy of the judgement I have had three copies of further action sent to me, one at my old address and when I informed them again (as I did in court} they sent another two copies of the further action letter to me.    
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Info for Citcard customers who had CPP card insurance added to their accounts.


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Have mentioned this before.

Following an investigation by the FSA CPP were fined a total of £10.5m

CPP was applied to both Associates cards and later Citi branded cards.

It seems that CPP have a liability themselves for some agreements,while Citicard themselves have a Liability for others.

If you have tried seeking a refund from CPP directly,they may refer you to Citicard,who will send you a letter saying they are investigating.

I waited almost 6 months for Citicard to complete their inquiries which then saw them sending a cheque for 1 years CPP membership with no interest added.

Their letter stated that this was in full and final settlement.

 

I have demanded to be given a breakdown of what the payment covers and have preliminary accepted their cheque as part payment in settlement.

 

It is therefore important that if you are contacting Citi or CPP in respect of card protection/Identity protection insurance,that you demand full information in respect of any payments they may send to you in settlement,so you are able to evaluate if you have been refunded in full with interest.

 

We have obtained a dedicated address for the department dealing with these claims which is;

 

Complaints Handling Team

Citicard

PO BOX 53680

London

SE5 5PY

 

email [email protected]

 

Please share your experiences and progress with claims in your own threads.

 

Here is the statement put out in November by the FSA

 

 

We have fined Card Protection Plan (CPP) £10.5 million for mis-selling insurance which covered customers against the risk of fraud on lost or stolen credit and debit cards and against the risk of identity theft. CPP has agreed to pay an estimated £14.5 million compensation to affected customers. Find out what this means for you.

CPP sold credit and debit Card Protection and Identity Protection both directly to customers and through high street banks. Between January 2005 and March 2011, these products might have been sold inappropriately.

For example, we found that customers were told that they would receive up to £100,000 worth of insurance cover against fraudulent transactions with Card Protection insurance. This was often not needed as customers are usually covered by their bank. Furthermore, during the sale of Identity Protection, CPP sometimes exaggerated the risks and consequences of identity theft.

Compensation for customers

 

Customers don’t need to do anything at this stage, CPP will contact those who may have been affected and, following a review, will pay compensation to customers where appropriate. However, in the meantime, you can write directly to the firm.

CPP has agreed to stop new sales of products (apart from where the insurance is sold as part of a package) and to stop trying to persuade customers who call to cancel their policies to keep them.

You do not generally need insurance for fraudulent transactions on lost or stolen credit and debit cards because you are not legally responsible for unauthorised card payments – apart from in exceptional circumstances.

Know your rights

 

See more about unauthorised transactions in our Bank accounts: Know your rights guide (pdf) or see our Bank accounts: Know your rights page.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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