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    • Yeah super happy and grateful for that, they easily could've prosecuted for fraud.    And I sent a pleading letter when they first asked me to plead my case but no I haven't gotten in contact with them since I received the summons on Friday. I don't even know if I should try tbh, I don't think it's going to go anywhere but obviously, I do not want a criminal record in the slightest so I am going to try calling and speaking to the prosecutor on the day.   In the meantime, I will attend court in person. When it comes to payment, do you have any idea of how that works dx? Do I pay on the day at the actual courthouse with my bank card or do I pay online?    Oh also, the oyster was used for 128 uses. So, my chances are just that much slimmer lol
    • It is the speeding matter which will cause you the most trouble.   If you have been "flashed" a Notice of Intended Prosecution (NIP) and a request for you to provide driver's details will be sent to your old address. If you fail to respond to the request  you will be prosecuted for failure to do so. A conviction for that offence carries a hefty fine, six points and an endorsement code that will see your insurance costs go through the roof for the next five years.   You need to either get access to the post at your old address or contact the police in the area you believe you were flashed. How long ago do you believe you were flashed? 
    • Fair enough. I've got everything here, belt and braces  so I'll send the lot in.   Thanks again.
    • What this could be is someone living in your area, wanted to get an online quote, without giving their true name and address. This is so they get an idea of the premium, without the Insurers holding onto their details.   There are also market research companies and Insurers rating analysts that apply for quotes, based on made up names/addresses. An Insurance company I worked would receive dozens of returned post on a daily basis, where we found that quotes had been obtained using false details. On the envelopes it would be noted, that Mr G Raffe or Mr M Mouse has never lived at the address.
    • Shame but thanks Andyorch and everyone for the advise.. appreciated muchly..   Hadituptohere 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
shaunboy

Shaunboy Vs Royal Bank Of Scotland

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The royal bank of scotland have made me a offer of 515 pounds but they owe me 3k now I have accepted that offer as part payment, that was over 2 weeks ago, and not heard a thing since. So I have made a appointment with a solicitor to see if I have any chance of winning my case ( first half hour free ) can anybody else tell me if I am doing the right thing as I am not legally minded and not sure what I am doing.

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shaun

 

If you follow the instructions on this great site loads of people have won without the need for legal help. If you read through some of the longer threads and in the success forums you will see what the banks do and how people have responded.

 

Good luck - let us know what the solicitor says.


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Shaun, Its probably not necessary to see a solicitor. What stage are you at with your claim? If you let us know what you've done so far and how far along you are we can help you on here. :)


~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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just letting you know that i have been to the courts to hand in my N1 claim form had enough of waiting bank took to long i give them 14 day they replyed back saying the were looking into my claim and i waited another 10 like they asked still no reply so the courts here we go

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got a offer though dont know weather ot except it or not

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Did they offer you the full amount, Shaunboy?

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no they took off the interset but with it coming christmas and having two kids its a hard decision

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Only you can make the decision whether you could benefit from the money now or if its worth holding out for the full amount. Its really down to your individual circumstances. No-one will berate you for not holding out for the interest if its not in your best interests right now to do that. Obviously kids+christmas=spending! But if you think you can afford to hold out a bit longer then go for it. It's up to you :) All the best.


~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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Shaunboy:

 

I'm still at the start of my own claim, so please don't take this as gospel...

 

but from what I've seen posted by more experienced claimants, you are perfectly entitled to accept an offer from your bank (let the family have a better Xmas) - but including a proviso in your letter accepting their offer which will basically say that you are still entitled to pursue the bank for further cash, ie: the interest they still owe you, or anything else you feel that they've taken unlawfully.

 

This would mean you get money ASAP but still keep your options open regarding getting more of your money out of the bastards!

 

I hope a more experienced member of the forum who has done this succesfully will reassure you here.

 

mfp.

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Shaunboy,

 

I've re-read your first post, and it sounds like you've already accepted one of the bank's offer as a partial-payment...

 

If they are offering more, now, then surely you can accept and move on to court papers, which will force them to pay up the rest?

 

Not sure what your process has been, though.

 

Have you seen this, though: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

mfp.

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