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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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ge money help!


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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

 

cheers thats good to know , i know the one at our local court is supposed to be good , one of my reletives works at the court and knows her and said she is good.

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Hi kgrant :)

 

We've had repossession hearings and have had the court welfare CAB officer speak for us in court and have nothing but praise for them.

 

cheers thats good to know , i know the one at our local court is supposed to be good , one of my reletives works at the court and knows her and said she is good.

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The lady who spoke for us at Birmingham was lovely and knew the right things to say at the right time. It saved either me or hubby getting tongue tied and messing it all up :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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The lady who spoke for us at Birmingham was lovely and knew the right things to say at the right time. It saved either me or hubby getting tongue tied and messing it all up :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi guys my first time on this forum. I wanted to ask you guys a question i hope you can help? i have quite a lot of debt mostly unsecured and i have made arrangements with pretty much all my creditors. But i find that after doing that i have no money left. So because of this i decided to put my flat up for sale last year in order to reduce my debts of which obviously ones mortgage is the greatest. i pretty much picked the wrong time as every offer i have had as dropped out and the price has dropped everytime. (staruing at £390k down to £345k!!!). i have found a buyer we were days from exchanging.

i have 2 charges on my house one is wellcome finace and the other is a unsecured loan with RBS that was changed. now in order to sell the flat alll charges have to be removed. i owe the 3rd charge 20k and they have agreed to take the charge off for 4k from the sale and a monthly payment of £340.

But Wellcome who i owe 14k have declined my offer of 7k from sale and carrying on making my original payments of £340.

i'm livid with this because i have told them that for sure i will get repossessed because i can no longer afford to pay my mortgage i already have arrears of about £5k. it seems to me that they are purposely pushing me into repossession. i have tried to be responsible and these guys are actually going to push me into having more debt. is this right ???? and i want to sue them in the event that i get repossessed. surely wellcome have to be responsible in wielding the power of their charge on my flat.???

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hi guys my first time on this forum. I wanted to ask you guys a question i hope you can help? i have quite a lot of debt mostly unsecured and i have made arrangements with pretty much all my creditors. But i find that after doing that i have no money left. So because of this i decided to put my flat up for sale last year in order to reduce my debts of which obviously ones mortgage is the greatest. i pretty much picked the wrong time as every offer i have had as dropped out and the price has dropped everytime. (staruing at £390k down to £345k!!!). i have found a buyer we were days from exchanging.

i have 2 charges on my house one is wellcome finace and the other is a unsecured loan with RBS that was changed. now in order to sell the flat alll charges have to be removed. i owe the 3rd charge 20k and they have agreed to take the charge off for 4k from the sale and a monthly payment of £340.

But Wellcome who i owe 14k have declined my offer of 7k from sale and carrying on making my original payments of £340.

i'm livid with this because i have told them that for sure i will get repossessed because i can no longer afford to pay my mortgage i already have arrears of about £5k. it seems to me that they are purposely pushing me into repossession. i have tried to be responsible and these guys are actually going to push me into having more debt. is this right ???? and i want to sue them in the event that i get repossessed. surely wellcome have to be responsible in wielding the power of their charge on my flat.???

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Difficult to know what to do I supose you can threaten them that if they do not accept you will not sell your flat and go and complain the the FSA and they will be liable for the costs that ar incurred by you as a result of them not helping when others have sorry cant be more help

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Difficult to know what to do I supose you can threaten them that if they do not accept you will not sell your flat and go and complain the the FSA and they will be liable for the costs that ar incurred by you as a result of them not helping when others have sorry cant be more help

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Hi mandingo69 and welcome to CAG.

 

It would be much better if you could start your own thread and post all the details there, as you've sort of hijacked another thread :D

 

More people will see your thread then too.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi mandingo69 and welcome to CAG.

 

It would be much better if you could start your own thread and post all the details there, as you've sort of hijacked another thread :D

 

More people will see your thread then too.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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well i received a response from GE money this morning basically saying that they agreed to seek a suspended possession order based upon payments of £265.18 in addition to our monthly payment and that is what they will be stating at the court hearing, and told us to to provide the district judge with your income and expenditure and alternative propsals

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well i received a response from GE money this morning basically saying that they agreed to seek a suspended possession order based upon payments of £265.18 in addition to our monthly payment and that is what they will be stating at the court hearing, and told us to to provide the district judge with your income and expenditure and alternative propsals

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Hi kgrant

 

Have just come out of our reposession hearing today. Like everybody else has said as long as you can show the judge all will be paid before the secured debt ends then they are fine with that. It really isnt all that scarry (although i was petrified when i went in). I ended up going in by myself as hubby had to look after kids the judge was great. He stopped me from saying to much and asked the right questions. we are with Kensington and they are not nice. The solicitor who was there for them had instructions to accept no offer they want the house. The judge saw through this and it went against Kensington.

 

we owe nearly £7000 and have offered £100 a month and it was accepted by the Judge.

 

Dont panic. Everybody is here for you. I wasnt in that court room on my own as I had everybody from this forum with me. You will too.

 

Hope this helps

 

Regards

Olives

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Hi kgrant

 

Have just come out of our reposession hearing today. Like everybody else has said as long as you can show the judge all will be paid before the secured debt ends then they are fine with that. It really isnt all that scarry (although i was petrified when i went in). I ended up going in by myself as hubby had to look after kids the judge was great. He stopped me from saying to much and asked the right questions. we are with Kensington and they are not nice. The solicitor who was there for them had instructions to accept no offer they want the house. The judge saw through this and it went against Kensington.

 

we owe nearly £7000 and have offered £100 a month and it was accepted by the Judge.

 

Dont panic. Everybody is here for you. I wasnt in that court room on my own as I had everybody from this forum with me. You will too.

 

Hope this helps

 

Regards

Olives

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thanks for that our arrears after tomorrow will be about £1388 , the thing thats making me laugh is that they have put on the letter recieved today to attend the court hearing on the 28th of february when actually the court hearing is on the 25th of february im hoping they have got their dates wrong and dont turn up :D

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thanks for that our arrears after tomorrow will be about £1388 , the thing thats making me laugh is that they have put on the letter recieved today to attend the court hearing on the 28th of february when actually the court hearing is on the 25th of february im hoping they have got their dates wrong and dont turn up :D

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the thing thats making me laugh is that they have put on the letter recieved today to attend the court hearing on the 28th of february when actually the court hearing is on the 25th of february im hoping they have got their dates wrong and dont turn up :D

 

...now wouldn't that be good:D

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