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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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Seminole v Abbey: £10,235 RECEIVED


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Really, really well done :D

I think you should change your avatar to a tiger :D :D

 

With BIG STEEL COHONAS!!!!!

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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absolutely great news...have a bit of bully boy tactics right back at you abbey

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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"However, having reviewed the schedule of charges supplied under cover of your email dated 6 July 2006, we note that your claim includes various charges which were incurred more than 6 years before the date on which you issued your claim (13 June 2006). We would point out that you are prevented from reclaiming these charges by the Limitation Act 1980.

In particular, you are not able to reclaim the charges you have listed as incurred during the period 30 September 1999 to 30 May 2000."

 

From Seminole's post.

 

How does this leave the argument that we may be able to go back further than 6 years? - see Bankfodder's thread in "general".

Are you going to try and argue against this? That the banks were deceiving you as to the true costs of the charges?

I ask because I am interestd in going back beyond six years.

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"However, having reviewed the schedule of charges supplied under cover of your email dated 6 July 2006, we note that your claim includes various charges which were incurred more than 6 years before the date on which you issued your claim (13 June 2006). We would point out that you are prevented from reclaiming these charges by the Limitation Act 1980.

In particular, you are not able to reclaim the charges you have listed as incurred during the period 30 September 1999 to 30 May 2000."

 

From Seminole's post.

 

How does this leave the argument that we may be able to go back further than 6 years? - see Bankfodder's thread in "general".

Are you going to try and argue against this? That the banks were deceiving you as to the true costs of the charges?

I ask because I am interestd in going back beyond six years.

 

It makes no difference to the argument whatsoever; Seminole is retaining the right to question that the SoL applies in his case... he hasn't challenged that yet. All he's done is say "please give me my money back". They've said "You can have SOME of it". The real fight (if Seminole chooses to fight it) comes later.

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Quick update: Filed estimated £5,000 claim today at Clerkenwell county court.

If you dont mind me saying your finances must have been in a real mess to claim back the level of charges you have/are!!

 

All the best WHUFC X

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Absolute blinder :D Dare you to open an Abbey account with it:rolleyes: . Maybe not:razz: must take the weight off you a lot and wish you all the best.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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If you dont mind me saying your finances must have been in a real mess to claim back the level of charges you have/are!!

 

All the best WHUFC X

 

They were, I make no bones about it. However, it was partly (and only partly) cause by the unlawful charges imposed by Abbey amongst others.

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WOW!!!!

 

Well Done.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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They were, I make no bones about it. However, it was partly (and only partly) cause by the unlawful charges imposed by Abbey amongst others.

Thanks to this site both my wife and I have sent our first lettes out!! Watch this space!!

 

All the best WHUFC

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WELL DONE. THIS MAKES ME MORE DETERMINED.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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wow Congratulations Seminole!!!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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fantastic news, well done

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Fantastic!

 

I bet you are still grinning!!

 

great work.

.

.

.

Sign the Phil Whitmore petition: http://petitions.pm.gov.uk/PAYUSBACK/ :)

 

 

Abbey Current Account claim for charges £1307.11

 

26/01/07 Awaiting court date

25/01/07 Courts lost my file!! Said it will be sorted soon

23/11/06 Defence recieved from Abbey

20/11/06 Statements a full 6 years received

16/11/06 AQ completed & submitted

30/11/06 Claim number 6SQ06250 recieved from courts

24/10/06 Claim submitted to courts x3 copies

21/08/06 Prelim letter asking for it back, sent to Pam Speed. 14 days up 05/09/06.

21/08/06 Data Protection Act non compliance letter sent. 7 days up 29/08/06

11/07/06 Reply to Pam Speed Data Protection Act fob off letter.

10/07/06 Data Protection Act fob off letter received from Abbey. dated 06/07/06.

29/06/06 Data Protection Act statement request sent

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Seminole - how many more days before the cheque arrives..? I am waiting to hear the 'end' of the story....

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Congratulations, Seminole:-D. Mine won't be as much but I'm looking forward to it just as much - they've got until 1st August for DPA statements (only got back to 2004 at mo!).

Wanabee:cool:but easily :confused:ed!!

23/6 Data Protection Act + £10

6/7 Pam Speed ltr

7/71 yr sttmts (2nd a/c) Faxed auth. 4 £10m'fiche

9/7 Screen prints 1 1/2 mths 1st a/c/2 1/2 mths 2nd a/c

11/7 20 mths sttmts 1st a/c

25/7 DPA reminders

1/8 40 DAYS UP & NOTHING

5/8-8/9, 7/8 3 "sorry not happy"/"m'fiche not covrd"ltrs

9/8 IFO form & backup mat'l

10/8 LBA/calcs 2 Dawn Hoyle

CHECK COPY STMNTS - DON'T HAVE CHARGES AT FRONT

12/8 a/c info fm 2001

18/9 £505 GWP offer

26/9 Rej. ltr/7 days 2 court action (1st a/c)

10/10 Moneyclaim form online (1st a/c)

20/10 Ack of Serv rec'd

3/11 AQ 2 court

20/11 Abbey AQ @ court

4/1/2007 Preliminary court hearing due

30th Dec. 2006 REC'D FULL PAYMENT INTO BANK ACCOUNT - ABBEY's WITHDRAWN!!:D

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Cheque for £10,235.37 received today and being paid in tomorrow :D

 

I said I would share some thoughts about this and here they are.

 

We know that Abbey don't have the stomach for a fight. They prevaricate, they delay, they behave obnoxiously but when you get them into a corner, they invariably give up. Normally they say that they it's not "commercial" for them to defend a small claim because they couldn't recover their costs. I believe that their surrender in my case proves that this is a lie.

 

First of all this was a big claim. It was way over the small claims threshold and opened up the possibility of fast or multi track allocation. If they had the stomach for a fight they could have recovered some or all of their costs. They copped out.

 

Having said that they did go through the motions of filing a defence. What really seems to have paniced them was the threat of a declaration that the charges were unlawful. I deliberately left the timeline in the thread a little vague but Abbey offered settlement within two working days of receiving my email. They knew that a combined money claim and declaration would mean that either the claim would end up in court or they would have to pay a much larger financial settlement to get it withdrawn. This is very similar to the Stephen Hone case and it goes to prove that, six months down the line they have been unable to come up with a defence to these claims that they are confident would stand up in court.

 

I am not for one moment suggesting that everyone should seek declarations as there is a risk in this. However, you can draw your own conclusions about how Abbey dealt with this claim.

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Pussycat, you have balls of steel, I would have been cacking my pants, well done and many congratulations once again:D

 

edit: you have changed your avatar!!!! do I have to call you the Prince of Darkness now :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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go out and celebrate..... when the cheque clears that is dont want you going overdrawn.!!

 

 

well done!

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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One question though Semi, do you still have an account with them or did they close it?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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