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    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help please - overpayment refund


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Hello everyone

 

I am asking for some advice as to how to proceed to reclaim an overpayment I inadvertantly made. It is a bit of a convoluted story, so please bear with me!

 

I had been repaying a business account overdraft to Natwest after the account closed. This was at the rate of £25 per month. The debt was run up when I was still married, and the last address that the bank had was the former marital home where my estranged ex-wife still lives. I had arranged the repayments through my solicitor at the time, some 6 years ago.

I had been paying regularly from a Nationwide Flexaccount, which was upgraded a few years back to a new account with a chequebook. All standing orders etc were transferred across to the new account. Unfortunately, I did not notice that the end date of payments had been deleted during this switch.

 

I had an overhaul of my finances in November, and discovered that I had in fact been paying for far too long. I cancelled the standing order immediately, and contacted NatWest at Credit Management, in Telford. They advised that the account had been closed in April 2006, and a refund cheque of £144.51 issued to me at my ex's address. Needless to say I never received it! They agreed to see if the cheque had been cashed. I have just been informed that it has, even though my ex doesn't have my name any more.

 

As it will be verging on the impossible to get anywhere with her, I want to pursue the bank to get my money back. Surely this is a case of a bank error, in accepting a cheque to a 3rd party (me!) compounded with fraud on her part? If so, has anyone any idea as to how I can remedy the situation please?

 

Any help would be very gratefully received!

 

MO

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You need to ask who the cheque was payable to. If it was to you then you need to report it as fraud as if it is payable to you and has been cashed then clearly you haven;t cashed it.

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Thanks Nattie,

It was made payable to me, solely in my name. I have requested full details of the bank account into which it was paid, and a copy of the cheque itself. They weren't too keen at first, but I advised them of my rights under the DPA, and they immediately agreed!

MO

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Maybe you should have stated that as you have no knowledge of receiving it then it is suspected fraud, and you would need a copy for the police and the number for NatWest Fraud team

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until it is confirmed where the cheque has been paid into the liability is twofold. If the cheque was payable to you then the person that paid it into an account that does not have your name on it. It should have been spotted.

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