Jump to content


  • Tweets

  • Posts

    • 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 
    • filed the defence at same time as suggested @dx100uk
    • 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 ?
  • Our picks

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

      Please can you advise what I need to do today to get this done. 
       

      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
        • Like

PDL DEBTS - not able to pay everyone now...


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2300 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

typically default notices are sent out after the third missed payment

but you'll get the calendar markers straight away

 

if the loans are deemed IL then everything gets removed anyway

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 137
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I have response from SATSUMA

- not happy,

they are saying that the report which they are using doesn’t show loans but I had 9 or more already,

 

I know I said I have only 600.00 credit commitments but who asking for money will tell them true, especially if it’s for gambling

 

HOW TO RESPOND?

satsuma.pdf

Link to post
Share on other sites

Hi Wisona

 

I have unapproved the attachment as it still has references in it. I have seen it though and this is where you now open negotiations with them on the loans etc...

Take back control your way.

 

Good start with them taking off the interest. Or you can refer to the FOS.

Link to post
Share on other sites

Can I go to FOS if I was not honest with my creditors and I lowered amount?

 

Credit Account Information Sharing (CAIS) – their report shows that I DIDN’T HAVE ANY pay day loans but I had MANY

 

Active CAIS Accounts - 9

PDL Accounts Last Six Months - 0

Months Since Most Recent PDL - 0

Outstanding PDL Balance -0

Number of PDL in last 6 years - 0

Settled PDL - 0 (in last 12 months)

Defaults Recorded in last 12 months - 0

 

AND they said they did all checking properly

 

My statements shows different things

 

118.118 MONEY – loan taken 17.07.2017

CASH FOR YOU NOW – loans taken 09.06.2017

07.07.2017

 

FERRATUM – loans taken 20.06.2017

12.07.2017

03.08.2017

31.08.2017

 

MONEY BOAT - loan taken 15.08.2017

 

Mr LENDER – loan taken 12.08.2017

 

MY JAR - loans taken 13.05.2017

06.07.2017

 

SUNNY – loans taken 08.06.2017

06.09.2017

 

POUNDS TO POCKET – loan taken 19.06.2017

UNCLE BUCK – and a few more … so how you could missed them???

they run reports on the 13.7.17 and 09.09.2017

Link to post
Share on other sites

We ensure applications are completed through the use of the web based application form. It is not possible for an incomplete application to be submitted. Data from Credit Reference Agencies (CRA’s) is used to verify your existing credit commitments, including mortgage/rent, by providing us with actual credit commitment information.

 

We perform checks with the credit reference agencies. If the costs we check return a higher expenditure, than you declared, we will process your application with the higher figure obtained.

We use your verified outgoings, along with the proposed new loan repayment amount, to determine the minimum amount of income you require to afford the new loan. This value is then sent to the CRA Call Credit for verification and only when your income can be verified by the bureau your application is automatically accepted.

 

This automated income assessment is performed using an industry-standard Call Credit product. This is then used to assess how sustainable a new loan will be for you over the term of the loan. When we are calculating the minimum amount of income you require, the most conservative estimate of all the outgoings (i.e. the higher of your stated and the verified amount) are used to ensure your outgoings are not understated.

 

The information I have obtained from credit management shows the following information

 

Okay so time to play them at their own game - They have then said the above - They automatically use the higher amount or expenditure. So if you lowered it then it should have flagged up and then they should have queried that with you!!! They didn't!!

Plus they claim the loans are not showing but they will do! - Well all of the above started using Callcredit to report back in 2015 when they had the new rules.

 

Add to that that i know FOR A FACT that MYJAR and MR Lender, Sunny and 118 118 Money all use Callcredit and are all registered as advance Against Income and will show up under Noddles Short Term Loan section.

They have realtime reporting, Jesus - They have no clue.

 

Its time to challenege them and this will need to go to the FOS. Now that i know about the other loans, this will make a whole load more easier :)

 

Are you seeing now?

 

Take a screenshot of all of your accounts with the opening dates on Callcredit - Tell me also if Satsuma appear in Callcredit as Provident etc

 

Help me to help you! :)

Link to post
Share on other sites

Noddle is callcredit! :) So you dont need to! :)

Read our other guide :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

Link to post
Share on other sites

No need to post it here - Youve already given me enough info - You need it though. Keep it in a file - Speak to Satsuma - Tell them you are not happy can provide more evidence to them. If they still dont play ball then go to the FOS with all the info you have!

Link to post
Share on other sites

everyone of 'em are totally irresponsible lending - all your claims will not fail.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

popped you in the PDL forum now

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I responded to Satsuma complains department regarding they decision (20.10.2017), I disagree with many of their points. Is any timescale for responding? Are they going to respond if they make decision ?

 

Did someone had similar situation please?

 

Should I wait or complain to FOS?

Link to post
Share on other sites

let it run

they have a total of 8 weeks

 

lots of like threads go read them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

email from 118118 Money

 

"Thanks for the email.

 

Whilst the complaint is being investigated we would still expect you to maintain payments to your account and as such, we would not agree to hold your account whilst the complaint is ongoing.

 

If you are struggling to meet the repayments, our Collections team will be more than happy to discuss options with you such as a reduced repayment arrangement. Please note that failure to maintain our contractual repayments can have a negative impact on your credit file.

 

You can contact our Collections team on 08000 118 100 or 02920 893 400 between 8am to 8pm (Mon – Fri) and 8.30am – 5pm (Saturday). Alternatively, if you’d like me to arrange a call back for you, please let me know what time would be best to call but please keep in mind that call backs are on a best endeavour basis and should we be unable to call at the time you wish, it would be your responsibility to reach out to us."

 

What should I do??

discuss repayment

I can offer only £10.00/ Month AND wait for response from Complains department or IGNORE THEM???

BUT ignoring will mean missing payment on my Credit file.

 

Should I go for repayment plan if I am complying and before final decision?

Link to post
Share on other sites

your credit file will be trashed eitherway.

is this debt not already defaulted in its summary?

you don't offer/discuss anything

theres a letter in the debt collection section of the library

whereby you TELL them they are getting £XX for xxMTS

IF they stop interest/charges.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

neither

but if IL is upheld they should remove everything typically

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

as post 94

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...