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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 
    • 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 ?
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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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      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
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Tesco Visa no CCA £9K written off!


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I'm a 'Fool' too! :D

 

Idiot.:D:D:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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The rules already provide for this under the consumer credit act 1974.

The 2006 ammendments however give judges the discretion to enforce it.(as of April 1)2007

 

Martin, I was under the impression that the amendments only applied to agreements taken out AFTER the new rules came into effect this month.

 

My understanding was that the normal CCA rules applied to agreements taken out prior to April 2007.

 

Somebody correct me please if I am wrong!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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The same has happened to me in respect of my £2.5k RBS credit card (and your Tesco card = RBS). RBS used the exact same wording in the response to me - "debt discharged".

 

However, I'm a bit further ahead of you and having severe difficulty getting the default on the account removed. In a telephone call today, the Information Commissioners Office advise that they agree with RBS and say I have no right to stop the processing of my data.

 

See - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/80501-no-credit-agreement-but.html#post726806

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Wow! Well done!!! I didnt get my Tesco credit card until early 2003, but i'll give it a go anyway! My debt has been passed to a DCA who want full repayment by the end of April and have agreed to knock 800 off the 3 grand total but having a bit of difficulty finding such an amount, so any stalling is surely a good thing eh?

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I sent this to Tesco in last few days

 

Re: Account number XXXX

I am in receipt of your letter of the XX XXXX 2007.

Pursuant to the Data Protection Act 1998 (S10) you are denied the authority to pass on any of my personal data.

Pursuant to the Data Protection Act 1998 I require you, with immediate effect, to ensure that all data held by you, regarding this account is removed from any and all Credit Reference Agency database.

Accordingly you have 7 days to comply and I expect to receive confirmation from you in writing within 10 days that you have complied with my requests.

Yours XXly,

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Tesco have replied by return! to say (not typing it all just bits, it rambles)

 

We consider our processing fair.... Default information on your account carried out in accordance with long established procedures..... Details were contained in credit agreement/application you signed in 1999.

 

Given the processing of your personal data was consented to by you (in the way described above), you cannot retrospectively withdraw that consent after the processing has been carried out. We do not accept your notice under section 10 ....

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Am all set to draft a reply. Along lines of - I never gave consent in 1999 so am not retrospectively withdrawing it. If you have my consent in writing then prove it.

 

Any comments?

The Tesco / RBS argument is that whilst they have written the debt off, a debt did exist and a contract between you also existed. If they went to court then they should be able to prove this contract existed through your use of the card and the fact that you have made payments. Therefore as a contract existed they say that it wouldnt have been possible for you to have obtained the card unless you consented to the data processing and therefore this consent must also have existed. The Information Commissioner also seem to be backing this stance. In my case I'm now considering going to court to have the default removed but I dont have a huge amount of confidence.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Stornoway

 

Like I mentioned on your thread, that although they might have the right to process the data, they should remove the default since in the absence of any agreement they cannot prove when the default would take place and when the payments are to be made etc

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How can they default you on an agreement they do not have?

 

Am sure it will not be easy to get it removed.

 

I do find it interesting that Tesco are still relying on an agreement that they don't have as my permission for them to process my data!

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Stornoway

 

Like I mentioned on your thread, that although they might have the right to process the data, they should remove the default since in the absence of any agreement they cannot prove when the default would take place and when the payments are to be made etc

I completely agree but there is a world of difference from what they should do and what they will actually do. I need to put some hard work into preparing a N1 for court - will give you a shout when its ready Humbleman and would love some feedback.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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  • 2 weeks later...
  • 2 weeks later...

Hi Srmjmm10,

 

With regard to restitution, you would need to prove that the agreement was an extortionate credit bargain. Personally I would be inclined to argue that late/overlimit fees amount to this. Additionally, charging interest on unlawful charges I would venture also amounts to an extortionate credit bargain. This would give the Judge the option to refund all monies paid. The 2006 amendment legislation does not affect your right to ask for monies to be repaid under the above argument, we are in what is know as the "transitional period" at the moment but it doesn't have any bearing on your case.

 

I have read other comments with regard to the fact that you must have consented to data processing for the agreement to have been accepted, I disagree with this proposition. In the absence of the agreement who can say on what basis Tesco were prepared to accept your application? They may have been content for you to sign a napkin which simply stated "Dear Srmjmm10 if you sign this napkin, we will send you a credit card". The point I am making is, if they cannot prove, by producing the agreement that you agreed to data processing, any argument raised in Court by them to this effect is entirely unsubstantiated! It does not matter what the normal practice is in respect of the basis on which applications are accepted, unless they can PROVE it! Statements don't prove you consented to data processing! It is a huge leap in legal terms to state that one set of circumstances (the statements) proves another (data processing consent).That is not necessarily the case. Everything flows from the agreement and in the absence of that, Tesco along with many other creditors are up the proverbial without a paddle!:D

 

I think one of the most important things to remember is, it does not matter what any creditor says, only what he can prove, it's as simple as that!

 

Regards,

 

Laiste.:)

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Hi Srmjmm10,

 

With regard to restitution, you would need to prove that the agreement was an extortionate credit bargain. Personally I would be inclined to argue that late/overlimit fees amount to this. Additionally, charging interest on unlawful charges I would venture also amounts to an extortionate credit bargain. This would give the Judge the option to refund all monies paid. The 2006 amendment legislation does not affect your right to ask for monies to be repaid under the above argument, we are in what is know as the "transitional period" at the moment but it doesn't have any bearing on your case.

 

Laiste, would the 2006 act have any bearing on the extortionate credit bargain section for credit agreements entered into before 2006 AFTER the transitional arangements end in 2008?

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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  • 3 weeks later...

Subscribing ;) Welcoming myself to the RBS discharged club ;)

 

Well done to you too! :D

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Yeh, thanks...

 

Im just now tryign to find out EXACTLY what 'discharged' means. All the finds so far are to do with Bankruptcy... which is a little worrying...

 

Im gonna get some advice on this matter tomorrow too...

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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I have my letter in front of me and apart form the figures and the signing (mine is signed by one 'Mrs H Bennett, Account manager') it reads EXACTLY the same word for word!!!

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Watching all of these threads with interest as both the Halifax and Royal Bank (and potentially Sainsburys too!) have been unable to supply me with a CCA within the 12 + 30 days for Visa cards I have.

 

Hopefully they'll see sense!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Any news on the stopping of data processing?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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