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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Blueloobylou V. Woolwich


Blueloobylou
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Hi,

 

Im fairly new to this site and have been reading and lurking for the last few weeks and want to give everyone a big "cyber" pat on the back for finally making a stand against the banks! :grin:

 

I have read and digested every bit of information I can and, on 6th Feb 07, sent my S.A.R - (Subject Access Request) to the Woolwich for charges which, to my reckoning could total over £2,000. (Im also going after Capital One and Barclaycard but I will post those details on the relevant forums).

 

I shall post at each step of the way, as reading your posts has encouraged me and given me the confidence to challenge the Woolwich who, I now realise, have systematically robbed me over the years! :mad:

 

Good luck to everyone. Im sure I'll be along soon with many questions.

Blueloobylou

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Hi Looby

Welcome,

Seems like you have everything in hand just have a read of the forum while your waiting to see how others have got on.

Enjoy.

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 4 weeks later...

Hi again,

Well, I have today received a letter from Barclays offering me a goodwill gesture of £1000 in full and final settlement. As I suspect my bank charges are over £2000, I wont be accepting this (not in full and final settlement anyway).

The strange thing is, I still havent received my bank statements - they have just sent me this offer? I have phoned them today to say I wont be responding until they send my bank statements. They have until 17th March to do this.

Has anyone else had this happen to them - offer of goodwill gesture BEFORE actually receiving details of bank charges? It just seems a very strange way to do things.

Blueloobylou

Blueloobylou

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Hi BlueLoo

Just wait for your statements to arrive. Dont bother wasting your money ringing them unless of course your bored or have no friends to talk to (but im sure you have).

Send them the rejection letter here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html and edit it to your own means. At least the woolwich know you want your money back so thats a result, you now just need to be determined and patient. :)

 

AL

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi Bluelooby

 

I'm about 2 weeks behind you timescale so thanls for the warning that the next letter I receive may well be an offer rather than my charges statement.

 

Out of curiousity, did the offer you received today have a deadline for you to respond and if so, was the deadline before the day your SAR 40 day is up?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Welshcakes

The timescale on their offer is, not worth the reading time, you want to know what they removed from your account, unlawfully, nothing more, nothing less. If what they offer is below that amount send the rejection letter and get on with reclaiming what is rightfully yours.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi e28

 

Without having my statement, I would not be in a position to know whether their offer was for the ful amount though ... am I being naive? If we receive, like Bluelooby, an offer before our statements, should we all just assume that the amount being offered is way off what we are owed?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi e28

am I being naive? If we receive, like Bluelooby, an offer before our statements, should we all just assume that the amount being offered is way off what we are owed?

 

No not naive at all, but the woolwich would like to keep as much of your money as possible.

They are bound by the law to supply your statements within 40 days (they used to send offers out after the LBA letter, so perhaps by sending offers earlier they save money if you accept) so you are right to wait for them. :)

 

Assume they are way off, yes by at least 50%

 

AL:D

  • Haha 1

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Well, Ive been in shock for most of the day so sorry if I didnt get back to you sooner. ;)

 

I phoned Barclays this afternoon to tell them I hadnt received my statements so wasnt in a position to agree any "good will gesture". After repeating several times, this was their "full and final offer" (yeah, right), they referred me back to the Woolwich who they very kindly :| put me through to. After much confusion, and being told that they hadnt received a SAR from me, I was then transferred to about 3 other people, the last one very kindly telling me they had "found" my SAR.

 

He told me that the figure of charges over the past 6 years had been given to Barclays who had then sent me the letter.

 

Wait for it - the total amount of charges is £9900!!! He's getting the statements in the post to me today - and apologised that I hadnt received them.

 

So - with interest, this is going to be one hell of claim and obviously I wont be receiving Barclays measly offer! :p

Blueloobylou

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Hi Welshcakes,

 

No, they should send you the statements first. I suspect that as mine was such a huge amount, they conveniently forgot to send them out, hoping Id accept the £1000 goodwill gesture!!

 

The offer from Barclays advised me if I accepted the £1000 it would be in my account within 7 days. There was a slip on the back that I had to sign and return to them, accepting their offer. This had to be returned within 8 weeks or they would close my claim.

 

Bluelooby

Blueloobylou

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Hi Blue

 

I've been looking through the intermittent old statements from my account and I have a funny feeling my charges etc are going to be over the magic £5k figure. Just goes to showdoesn't it, that your own first reckonings were only around £2k. You must be so excited about all that (your) money coming back to you before Summer!

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welsh,

 

When I looked through my old statements, I knew that the minimum would be about £2000 but I did have a lot of statements missing (about 3 years worth!) but couldnt remember if Id had charges levied against me for that period. Obviously, the majority of the charges were during those "missing statement" years. Its unbelievable isnt it? :o

 

Im really trying not to "spend the money in my head" until Ive got it safely back in my bank account but its hard, I can tell you. ;)

 

It'll be interesting to see what comes back with your list of charges - you might be in for a nice surprise. :D

 

Bluelooby x

Blueloobylou

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Hi Guys

Just had a thought - the Woolwich only sent me a list of charges. They were not statements so I have no way of knowing if the list is correct or not.

Will they automatically send me the statements also? Or does the wording of the SAR allow them to get away with just sending a list of charges?

Thanks

Blue

Blueloobylou

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Hi Blueloobylou , I am just slightly in front of you and am getting worried as I haven't received any offer yet and I have my list of statements ( over 13k ) and I am on day 10 of the LBA . Does anyone know if it is true I need £450 to take a claim of this amount to court !!!!!!!!

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Hi Blueloobylou , I am just slightly in front of you and am getting worried as I haven't received any offer yet and I have my list of statements ( over 13k ) and I am on day 10 of the LBA . Does anyone know if it is true I need £450 to take a claim of this amount to court !!!!!!!!

 

no its £250 for your claim. offer makes no difference as it wont be the full amount. file on 15th day.

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Hi Blue

 

Woolly's 14 days to respond to you is up tomorrow isn't it? I don't suppose you've had any response...

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welsh,Thanks for your message.

 

Woolly have until 30th March to respond to me - no response as yet. :mad:

 

Then it will be LBA time, I think.

 

Hows your claim going? I havent been on the site for a few days so Im just off to check on your progress. :)

 

Blue x

Blueloobylou

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Woolies "aimed" to resolve by 30th (in response to my SAR request). Nothing through however the 40 days by my schedule isn't up for them til 4th April. I'm not going to bother giving them the +2 days for postage as they seem to draw theses things out at every stage so I'm sure my claim won't fail on a postage times technicality!

 

Will ring them on Monday morning to tell them they have til Wednesday for me to have received statements.

 

I suspect they really are swamped and likely have a backlog of work however this is not my problem and one on the easiest solutions for them is to start giving out no quibble full refunds upon written request.

 

This 40 days seems to have taken forever! :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi, sent off first letter to Woolwich on 27/03/2007 and today they have sent me a letter telling me they are looking into my issue and will get back to me by 30 April.In my first letter i had given them 14 days to respond and they have done so earlier.Should i wait for till day 13 then send off the LBA or i can do it right away?

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Stick to the timescales laid down here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html READ THEM NOW

 

If it is time to send a prelim letter, or an LBA send it, if you wait for them you will be waiting and waiting, waiting ,waiting....................

 

And if you havent already got your own thread start one now Vdiddy

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi vdiddy

 

If you haven't already done so, start a thread vdiddy -v- Woolwich. That way you'll get step be step answers to all your queries as you go through the process.

 

Have you read the step by step guide yet? :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Woolies "aimed" to resolve by 30th (in response to my SAR request). Nothing through however the 40 days by my schedule isn't up for them til 4th April. I'm not going to bother giving them the +2 days for postage as they seem to draw theses things out at every stage so I'm sure my claim won't fail on a postage times technicality!

 

Will ring them on Monday morning to tell them they have til Wednesday for me to have received statements.

 

I suspect they really are swamped and likely have a backlog of work however this is not my problem and one on the easiest solutions for them is to start giving out no quibble full refunds upon written request.

 

This 40 days seems to have taken forever! :)

 

Welshcakes the timescales are there for a reason, that includes the post (2 days 1st class). Thats what the court recognise as resonable time for a letter to be recieved.

And dont phone Helen, Rob or whoever at the woolwich, write, send the letter recorded then you have a record of giving them ample opertunatey to supply your statements.

40 days is a long time but not in the timescale of the 6 years you could be trying to claim back.

Just to let you know i statred my woolies claim back in june 2006 it was finalised in Jan 2007 so it takes a while sticking to the timescales. Do it right not how you think it should or could be done:D .

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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