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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Hi ALl,    Would appreciate some advice and support. I went to insure my car with my partner last night and they refused insurance. I checked my dvla license online and it stated I have been disqualified for 6 months. This is due to 2 driving offences that I failed to identify the driver. I moved house a year ago and completely forgot about changing the registered address. This went to court on 14th May 24 and was given a fine for both and 6 points each totalling 12 points and a 6 month ban. I have read a few things online and spoken to a couple of solicitors for a quick consultation and views and opinions are so varied. Some solicitors are charging extortionate money for something that I know takes 5 mins such as the statuary declaration.    I am going to complete a statutory declaration today and get a solicitor to sign and submit this. But is this just delaying the inevitable? what's the likely hood of being able to overturn this and just pleading guilty to the original 2 offences and take the 3 points for each and a fine with no ban? Any help would be much appreciated, I have been sent the papers by the courts today so have this to hand. Looks like I'm only being charged for the failure to identify and not that and the speeding offence if that makes any difference.    R
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Diskmandave -v- Robinson, Way & Co - The Never Ending Story

diskmandave
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ODC

ODC

Posted
Posted
Hiya Dave, CB and ODC :)

 

Will you lot stop making me laugh, I just snorted wine all over my monitor lol...

Well if you didnt laugh about the unlawful and idiotic antics of Robberscum Way what could you laugh up. We should be grateful to them for the amusement they provide

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tooth_fairy

tooth_fairy

Posted
Posted

I think I found a picture representing a typical day in a RW& Co office

 

0218monkey1.jpg

 

 

Well they always seem to be talking out of their bottoms!

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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jet_black

jet_black

Posted
Posted

this has to be my favourite thread, I used to live in absolute terror because of these people (now having treatment for depression) and others like them, I think you are truly inspirational, I wanna give em hell too.....

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ODC

ODC

Posted
Posted
this has to be my favourite thread, I used to live in absolute terror because of these people (now having treatment for depression) and others like them, I think you are truly inspirational, I wanna give em hell too.....
Thats the way to beat them. Terrorise the terrorists

 

I'm now looking forward to getting stuck into R.Way. The clowns have just purchased an account from Crap 1 that is in dispute!
They have purchased a load of out of date debts from Crapone without any CCA documentation. All they rely on is threats and copies of an application form

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itsamomentintime

itsamomentintime

Posted
Posted
They have purchased a load of out of date debts from Crapone without any CCA documentation. All they rely on is threats and copies of an application form

 

yeah but with the knowledge we have, i bet they feel rather silly now

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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lemma1968

lemma1968

Posted
Posted

Exactly what is a pig in a poke?

 

I have always wondered. I may google it just out of interest and have it up there with those piccies and BB's snorting wine over her monitor for those times when it all seems too much. :p

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rory32

rory32

Posted
Posted

Caveat emptor for you legal people.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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lemma1968

lemma1968

Posted
Posted
Caveat emptor for you legal people.

 

So true Rory.

 

And another legal maxim for those DCA's who do not provide the CCA's but send inane letters containing threats etc then insist they are acting within the law......res ipsa loquitur.

 

:rolleyes:

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harrythehawk

harrythehawk

Posted
Posted

I like how they state you are legally this, you are legally that ...... then an offer for you to ring them to arrange to pay them "if you wish to explore this OPTION" .... so they are saying it is optional then even though they say you leagally have to ?? Why bother with the letter and not just drag you legally to court then ??

 

I love this thread !!!

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Monty2007

Monty2007

Posted
Posted

This is better than a TV Soap! Don't keep us in suspense DMD, what is your response to be? I expect you are still on the floor laughing but we need to know........................

 

Maybe we can all e-mail them and provide some supportive taunting?!

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diskmandave

diskmandave

Posted
  • Author
Posted

OK, back to being sensible for a bit then please?!!

 

Should have done this weeks ago....... Going for some Cheeky Vimto in a minute so get this done while still Compos Mentis (had to get that in!).

 

Complaints Manager,

HFC Bank Limited,

North Street,

Winkfield,

Berkshire,

SL4 4TD.

 

12 July 2007

 

Re: Account number xxxx xxxx xxxx

 

Dear Sir/Madam,

 

I refer to the above account which was sold to Robinson, Way & Company Limited on

xx December 20xx.

 

I am currently in dispute with Robinson, Way & Company Limited who have advised

me expressly in writing that they are only the legal assignees of the account and that

they do not hold any of the responsibilities (duties) of the creditor, persay supply of

documentation etc... as far as the Consumer Credit Act 1974 is concerned.

 

The Consumer Credit Act 1974;

 

I would therefore respectfully request that under Section 78(1) of the above Act that you provide

me with a copy of the original Credit Agreement, the original terms and conditions relating to this

Credit Agreement and a copy of the original Default Notice served in relation to this Credit

Agreement. I enclose payment of £1 which represents the maximum fee payable for this request.

 

I would also be most grateful if you would confirm that Robinson, Way & Company Limited are

correct or not in that they do not hold the duties of the original creditor, in which case, any legal

action that arises from the current dispute would have to include HFC Bank Limited as either

co-Plaintiff or co-Defendant.

 

I appreciate your due diligence in this matter.

 

 

Yours Faithfully,

 

 

xxxxxxxxxxxxxxxxx

 

 

xxxxxxxxxxxxxxxxxx.

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tomterm8

tomterm8

Posted
Posted
OK, back to being sensible for a bit then please?!!

 

Should have done this weeks ago....... Going for some Cheeky Vimto in a minute so get this done while still Compos Mentis (had to get that in!).

 

Complaints Manager,

HFC Bank Limited,

North Street,

Winkfield,

Berkshire,

SL4 4TD.

 

12 July 2007

 

Re: Account number xxxx xxxx xxxx

 

Dear Sir/Madam,

 

I refer to the above account which was sold to Robinson, Way & Company Limited on

xx December 20xx.

 

I am currently in dispute with Robinson, Way & Company Limited who have advised

me expressly in writing that they are only the equitable assignees of the account and that

they do not hold any of the responsibilities (duties) of the creditor, persay supply of

documentation etc... as far as the Consumer Credit Act 1974 is concerned.

 

The Consumer Credit Act 1974;

 

I would therefore respectfully request that under Section 78(1) of the above Act that you provide

me with a copy of the original Credit Agreement, the original terms and conditions relating to this

Credit Agreement and a copy of the original Default Notice served in relation to this Credit

Agreement. I enclose payment of £1 which represents the maximum fee payable for this request.

 

I would also be most grateful if you would confirm that Robinson, Way & Company Limited are

correct or not in that they do not hold the duties of the original creditor, in which case, in the event that any legal action arises from the current dispute I would apply under the civil procedure rules and section 141(5) of the consumer credit act 1974 to include HFC Bank Limited as either

co-Plaintiff or co-Defendant.

 

I appreciate your due diligence in this matter.

 

 

Yours Faithfully,

 

 

xxxxxxxxxxxxxxxxx

 

 

xxxxxxxxxxxxxxxxxx.

 

 

..

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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clutchingatstraws

clutchingatstraws

Posted
Posted

Reply From

 

Complaints Manager,

HFC Bank Limited,

North Street,

Winkfield,

Berkshire,

SL4 4TD.

 

12 July 2007

 

Re: Account number xxxx xxxx xxxx

 

Dear DMD

 

I refer to the above account which was sold to Robinson, Way & Company Limited on

xx December 20xx.

 

It's #### all to do with us we just dumped tit on those suckers and wrote it off on our tax bill.

 

Cheers Chum

 

HFC

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