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

skint-0ne v Lloyds tsb


skint-one
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6269 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

just started collating charges details, have worked out which charge sheets i need and really up for the challenge, scary thing is i didnt realise it was so much... am working only on cheque returns, returned std orders and d/d should i be looking at more?

 

also started off the parachute account and once this is underway going to have a go at my old sole trader account with nat west as there is some stuff there too. Do i treat that as a individual or business account

 

right off we go....

 

skinty

Link to post
Share on other sites

Claim for what they owe you.

 

I just read one guy is claiming for £18k

 

 

Your Sole Trader account is a personal account. A business account is if you owned the business and you traded under it. ie. Skint-Ones Painting and Decorating Firm Bank Account.

Link to post
Share on other sites

Claim for what they owe you.

 

I just read one guy is claiming for £18k

 

 

Your Sole Trader account is a personal account. A business account is if you owned the business and you traded under it. ie. Skint-Ones Painting and Decorating Firm Bank Account.

the sole trader account was skinty trading as painting and dec firm, is that still the same? (personal account) thanks for the help

Link to post
Share on other sites

  • 1 month later...

Hi gary, wondered if you could point me in the right direction on a little question i have. I am about to complete the schedule of charges on the spreadsheet but an uncertain if the charges have to be put in as the date the items where returned or the date the charges were applied, i think it is the latter but need to sort this as if i am wrong then the interest calculated will be wrong and then if it gets to court my claim will be wrong. if i am being a bit dim with this i apologise but also thank you in advance for your time

 

skinty

 

Its the date the charges were applied. :)

  • Haha 1

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

changed your thread title as you are suing them not the other way around ;)

  • Haha 1

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.

Link to post
Share on other sites

  • 3 weeks later...

right LBA is now sent, and guess what, received a letter from debbie gilbert today, the standard rejection letter blah blah blah.... and this evening the bank phoned me and said they are going to start action against me as the charges they have applied have put me over our overdraft limit... the cheek... should i write to them reference this??? any advice anyone..... also should i now start to fill out the court paperwork? advice from those who know gladly accepted

 

Skinty

Link to post
Share on other sites

They will do what they are going to do - I would not bother to write to them.

 

Just issue the N1 after the 14 days LBA expiration period.

 

Good idea to start completing the N1 now you may have a few questions.

  • Haha 1

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

  • 3 weeks later...

thanks GuidoT filled out on line and sent today. what is likely to happen next? the claim is for £9,701.40, have LLoyds started taking the nat west tack of settling before going legal? or do they push it all the way? also just starting off the third process against barclays for an account that closed some 3 years back, sent off the data protection letter over the 40 days ago with as much details of the account as possible including account name, branch address and acount managers name, nothing back from them, whats next to do with this one???

 

skinty

Link to post
Share on other sites

Lloyds not taking Natwest tact. You have to commence legal proceedings against Lloyds to get any reasonable offer - usually get full offer around 2 months after N1 at AQ stage, i.e. excluding CI and pre 6 years charges.

 

On Barclays open a thread in that forum.

 

In case you are not aware and as you filed using MCOL send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

  • 3 weeks later...

just been to mcol and see that sc&m are going to defend... i take it this is usual??? what should i start doing now??? what is the timescale likely to be before things start hotting up??? now all is in motion how long do these things generally take? the claim was regarded as served on the bank on 12th march.

 

any info / advice greatly received

 

skinty

Link to post
Share on other sites

Hi

Yes this is normal. You should shortly get a copy of the defence and an Allocation Questionnaire to fill in. Use these links to help you with that:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

  • 2 weeks later...

help panic has struck the skint ones household... first the mcol have sent me a form notifying transfer of proceedings to my local court as SC&m are going to defend, full notes of their defence are available if necessary, then today i have received from local court notice of allocation to small claims track although claim is for nearly 10K inc interest, the judge has dispensed with AQ's is this normal??? and the hearing to take place on 17th may i have to deliver to the court and SC&m copies of all docs and any experts report... am now unsure of my pos... any help / advice greatfully received...

 

skinty..

Link to post
Share on other sites

  • 2 weeks later...

There is no hard and fast rule, all seems a bit random, sometimes they leave it to the day before the hearing.

 

Sometimes they put the money in your account without even writing, so check your bank account now and again, in particular in the week leading up to the hearing date.

 

It is almost certain that they will settle they always do.

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...