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    • 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.
    • Probably very expensive to replace what car and model who is your finance with ?   Andy
    • Topic moved to Financial legal Issues forum in view of the claim form. Topic title updated Please continue to post here, Andy   .
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      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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Reclaiming one charge


speedo101
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Hi there

My daughter has been charged £38 for a bounced cheque. We telephoned Nat West who would only agree to refund half of the charge as a gesture of goodwill. This is the first time she has ever exceeded her limit and I see no reason why she should not get the lot back. Is it best to just send a slightly rejigged version of the prelim letter or is there a better way of getting back just one charge.

 

Thanks Speedo

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You would have thought so wouldn't you but she wasn't having any of it. In the end I did mention that I would just write in using the CAG letters but she just said well in that case they wouldn't refund any of it! So I said fine you refund the half and I will chase the other half Talk about making it hard work:rolleyes:

 

Thanks Speedo

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They are so cocky.

 

Still at the end of the day the person you spoke to probably thinks 'well its not my money so why should I care'

 

What would the case be if it was her charge she was trying to get back-not so cocky then me thinks.

 

Go for it Speedo and keep us posted.

PPMAN159

 

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Have you been into the branch. My daughter had exactly the same thing - £38 charge for being £2.38 in the red for one day!

I went into the local branch with her and explained what had happened and as a gesture of goodwill and as a once in a lifetime offer they cancelled the charge.

Might be worth a go.

;)

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Ring this number 0208 236 8295 Customer relations Borehamwood.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Congratulations action-smiley-033.gif

 

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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