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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.

      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.

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      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
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Hi there,

 

I have just sent my bank a DPA last week, so far I have received nothing off them regarding my letter. Although I did recieve a letter off them this morning imforming me that they are to charge me £28.00 for going £2.00 over my overdraft limit. Day light robbery, they should be wearing masks!!

Will keep you posted as this is NOW WAR

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Hi Nagumos

click on the main Consumer Action Group title, scroll down to templates in green. Select Bank templates. DPA template is in there.

BUT dont download and send off until you are more familiar with the workings of the site. eg FAQs Forum rules, other peoples threads etc etc etc.

It is simple but you need to get used to the site layout to get up to speed properly.

 

Good luck and welcome

Kate:)

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Sorry Cheddar...:)

 

 

MODERATED 3 threads merged , please keep to your original thread when updating , thanks .

( not sure where this particular post was meant to be as it was in this forum in its own thread )

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Hi there.

 

Ok so far no word from NW although they have banked my CHQ, so at least I know they have received my DPA.

My partner sent his out at the same time as me to HSBC, last week he received a letter informing him that they would not bank his CHQ as a goodwill gesture and he is to receive his statements very soon.

Looks like NW are digging there heels in!!!:o

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Hi..

 

Do you included the interest on your statements or just the charges????:shock:

 

MODERATED AGAIN: Please stick to your own thread instead of hijacking others.

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Hi, just recieved my statements, added up that they owe me just over 2k, but that is not with any interest that was charged to my account, as I am not sure about the interest.

Where do I go from here?? I cant find the spreadsheet that does all the calculations for you, I have done my own on the computer.

Sorry for being so confused but exactly what letter do i send with these calculations and do I have to have them all in date order and titled?

Help !!!:confused:

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http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html?highlight=vampiress

 

 

Hi take a look at this thread. Spreadsheet on here too.

 

I can't help you with your qauestion because I have the same questions too!!

 

If you get advice before me please let me know.

 

thanks

.

.

.

Sign the Phil Whitmore petition: http://petitions.pm.gov.uk/PAYUSBACK/ :)

 

 

Abbey Current Account claim for charges £1307.11

 

26/01/07 Awaiting court date

25/01/07 Courts lost my file!! Said it will be sorted soon

23/11/06 Defence recieved from Abbey

20/11/06 Statements a full 6 years received

16/11/06 AQ completed & submitted

30/11/06 Claim number 6SQ06250 recieved from courts

24/10/06 Claim submitted to courts x3 copies

21/08/06 Prelim letter asking for it back, sent to Pam Speed. 14 days up 05/09/06.

21/08/06 Data Protection Act non compliance letter sent. 7 days up 29/08/06

11/07/06 Reply to Pam Speed Data Protection Act fob off letter.

10/07/06 Data Protection Act fob off letter received from Abbey. dated 06/07/06.

29/06/06 Data Protection Act statement request sent

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  • 1 month later...

Hi..

 

I have just received a letter from Stuart Higley informing me that "Having reviewed your account, I can find no instance where charges have been applied when they are not properly due. They have all been associated with a lack of covering funds in the account at the time items were presented for payment"

Is this the standard P### off letter?? Has anyone else had this paragraph in their letter??:?:

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Yeh thats the standard sod off letter he sends out, well i mean the computer sends out. I had mine this Tues and have send in my LBA so hoping to hear the next sod off soon.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi, Just got another letter off Sstuart higley informing me that "There is little that i can add constructively to my last letter and note your proposed action. i hav ealerted our lawyers and litigation department accordingly"

Has anyone else had this letter???

I hope its just the standard letter...:-|

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Hi Guys

What!!!!!! I got the same letter from the same guy yesterday. This Stuart Higley must be a very busy man. I wonder what he did before all this re unlawful bank charges came to the surface. Oh By the way, it came on the same day as a letter from Capital one informing me that they were going to reduce the penalty charge by half form the 31st of august thats a bit like a bank robber saying that he will only take half the loot in future. has anyone else had such a letter

 

Keep it up

Cally

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Thanks evryone, at least we are all more or less getting the same letter, Im just about to start my money claim. Wierd though, some people get offered some of there money before now. Not that I would take it anyway:)

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  • 2 weeks later...

Hi everyone

 

Just about to start my moneyclaim, really confused as to the wording I put in, any advice anyone? Much appreciated. I have just checked my online account a minute ago and have found that they have taken off me this morning £90. It leaves me nothing to live on for the rest of the week, how can banks justify this behaviour??:(

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Thanks, i have looked in to it today, just need to get my head round it and wait until I have the relevant funds to pay for it, thats if snatchwest dont take it off me. This site is fab, once this is all over I will certainly be donated 5% of what Im owed.:D

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Hi Everyone, Natwest have just taken nearly £100 last week out of my account, charges, card misuse etc, I rang them this morning asking them what was going on. Basically they told me that I did not have sufficient funds in my account to pay D/D so they charges me £38 and £35 for the priviledge. Arhh I am so angry, what I have done is opened another account and as of today I am getting my wages paid into that account, how long does it take to change D/D? Has anyone else done this? I am in my overdraft now as we speak, can the bank demeand that I pay in all back immediately????

Any advise would be great:grin:

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If the same D/D is presented twice and you are without sufficient funds on both occasions ~ then the bank will automatically cancel your D/D. If you then subsequently wish to establish a new D/D with the same supplier, they will make you wait 90 days before they will accept a new D/D instruction.

 

If you have insufficient funds in your account and you know a D/D is on its way, suggest it is better for you to cancel the D/D.

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