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 
        • 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

joseph v's barclays **WON**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6307 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

i have downloaded the court bundle, is this ok to send as it is, one to court and one to bank? also tried looking into GOT A COURT DATE? A guide to the later stages

- The Competition Commission report

- The McNamara interview

- Australian Default Fee's report

- BBC Commission conclusion

should i print and add these, (i couldnt get into 1st one said i didnt have permission)?anyone else had this problem?

 

once done does anyone have an address this all goes to for barclays?

i tried ringing anthony lombardi on 020 7116 5634 but no one rings me back!!!

 

(if i dont post new thread when i have a new question how do i write new one)?

Link to post
Share on other sites

  • Replies 87
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Joseph if you are able to print/use any of the above link info, you can also add them into your bundle if you wish to.

 

I have the address:

 

Barclays Legal & Compliance

Level 29

One Churchill Place

London E14 5HP

 

Send it for Anthony Lombardi's attention or whoever is handling yout claim

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

If you scroll down throughout the document, you'll see it refers to the Unfair Contract Terms Act (UCTA 1977) and the Supply of Goods and Services Act (SOGA 1982)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

thanks for replies

 

i have an adrian ruffhead dealing with my claim, anyone else had him???

 

my court bundle is now ready for posting, its very heavy!!

 

fingers crossed for me i am really nervous now - no going back. my big question is will it be me that they see in court, i have heard they havent yet appeared on the day. has anyone not won??

Link to post
Share on other sites

You'll be fine Joseph, as Site Helper hagenuk says, no one has gone to court yet, what makes you so special?!

 

Just stick to your guns, and don't settle for anything but the full amount :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

has anyone got a copy of the OFT statement summary i can send to the court and my bank?

 

as i havent previously claimed for court fees, only my default charges, should i put a letter in with my bundle one to the court and one to the bank stating that i wish to have those refunded or would the court automatically refund me if i win.

Link to post
Share on other sites

PM me with an email address and I can send you a copy, plus all the associated bumf that came with it...

 

Don't forget, the OFT summary only applied to credit cards, but there was an implication that bank charges shoud be considered as well, and an OFT statement is expected soon (perhaps a month or so)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

pheonix

 

thanks for reply, is there no need to send oft summary then, as it isn't a credit card. i have all the other bits to go in the court bundle so i am almost ready to take to court and bank..

 

do you know whether i should put in with court bundle about court fees being refunded to me or will the court award these to me anyway if i win?

 

thanks

 

tinks

:)

Link to post
Share on other sites

no you use the oft summary because somewhere in there theres a comment that the OFt believes there is a 'read across' to other types of accounts such as bank accounts and store cards.

 

HTH

 

glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

OFT statement is a good document to put in - as Glenn says, there is implication that the same principles apply to penalty charges - after all, penalty charges for crdit cards are just as unlawful as penalty charges for bank accounts...

 

I see you PMd me - I will send you the stuff...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

if i didnt ask for the court fees to be refunded in my original letters, is it too late to request them now or does the court refund these if you win anyway?

 

i was thinking of putting a letter with each court bundle to request court fees be refunded, then if court rings to make settlement offer i can argue for these too.

 

any advise welcome

 

many thanks

 

tinks

:) :) :) :) :) :)

Link to post
Share on other sites

you dont say at what stage you are!

 

If you apply via MCOL, they will automatically be added.

Not sure about N1 form.

 

Anyhoo, when you get to the stage of negotiations, you just add it to your figure along with your up to date interest figure.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

Link to post
Share on other sites

well i received a letter from barclays today offering me £1150 in full & final settlement, they actually owe me £2055.00. can anyone give me advice and let me know what to do, i do not want to accept.

 

letter reads;

 

as you will have seen from our defence, we disagree with your legal analysis that the charges levied to your account with barclays amount to penalty clauses and are unfair. we do however recognise that it is not cost effective for either party to take this matter to trial. therefore in order to avoid the inevitable time and cost associated with pursuing the claim to trial we are prepared to settle your claim upon payment of the charges levied to your account, together with statutory interest you have claimed and costs totalling £1150 subject to the terms set out below.

 

this offer to pay £1150 is in full & final settlement of your claim and is strictly without any admission of liabilty on our part. by accepting this offer you also agree that the existence and the terms of this offer are between us.

 

should i decide to reject offer then they reserve right to disclose letter to court.

 

if i agree i have to sign and return within 7 days and let court know.

Link to post
Share on other sites

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

Link to post
Share on other sites

:-) :-) :-) :-)

i know i have calculated my interest incorrectly, i have only claimed £164.40 on £2055.00 it should be more being 8% per annum, does it matter as long as it is less???

Link to post
Share on other sites

How did you get to the £164.50 figure, through the spreadsheet?

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

Link to post
Share on other sites

i have just faxed my response to offer letter to legal dept at barclays and feel a bit nervous, as i did when i started court action.

 

this is all quite exciting really, i just hope i get my money at the end of all this!!!

 

:) tinks

Link to post
Share on other sites

i got to the £164.40 figure by doing my charges £2055.00 x 8% - stupid i know now, but it was done before i knew anything about this site and certain spreadsheets.

 

thanks for you reply.

 

tinks

 

:)

Link to post
Share on other sites

should i enclose the letter i have just received from barclays detailed in earlier thread along with my reply - refusing offer, in my court bundle. it is all done up and ready to be handed in at court & bank by wednesday? advice welcome.

 

tinks :)

Link to post
Share on other sites

I don't know for sure, but I'm claiming them on my account! The way I see it, they charge a whopping rate of interest on 'unauthorised overdraft' balances, so why should they levy a PENALTY charge on you as well?!?

 

Nothing ventured, nothing gained.

 

D.

Link to post
Share on other sites

thanks one of a kind, i feel better now.

 

i am almost at my court date, 27th march and was starting to worry. last minute nerves i think. i did have an offer saturday of £1150.00, i'm claiming £2055.00 + interest & costs.

 

i faxed them today refusing anything but full payment, just waiting now and nothing to do but hope i've done everything ok.

 

tinks :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...