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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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    • 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.  

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    • 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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Times Up! (now what???)


LukeT
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Hi thanks for looking,

 

To bring you up to date, I have sent the DPA letter including the cheque and have recieved a very polite letter waiving any fees with the cheque included. The copies of statements are on the way. However the letter is unclear as to whether any 'manual intervention' has occured.

 

The letter states that "many systems are automated" and that "manual intervention by staff may be required from time to time".

 

I realise that this information is needed in order for me to continue, I would appreciate any advice in what my next step should be.

 

Thanks again,

 

Luke.

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Na you don't need this info to continue. If that is what they have decided to furnish you with in response to your request re: manual intervention then that implies there is no further disclosure to give - that is to say they have nothing detailed on their records which can clearly identify instances where they have had to do anything other than generate automatedresponses or standard administrative processes that are too remote to be attributable to you specifically as an individual customer.

 

Don't worry about it (I never really gave much credence in the whole "manual intervention" malarkey), as the chances of a bank actually keeping records that could actually prove beyond reasonable doubt that such instances occurred and that the were directly attributable to your account conduct alone is virtually impossible. It is simply a phrase that provides them with ooporunity to defend their unlawful charges - and ensures that they cannot spring something on you should the matter ever reach court - which as you know is highly unlikely.

 

Just crack on with calculating your charges and submitting your prelim letter.

 

Good luck.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Many thanks for your quick response!

 

I will continue with calculating the charges, gonna take a while I recieved 34 envelopes yesterday, having a little trouble figuring out the abreviations. I am assuming (dangerous I know) that I am looking for DR CHARGE

RECALL S/O - D/D

Thanks

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Best way is to literally get a highlight pen and highlight any obvious DR Charge itemss - plus DR's that you are unsure of. I amsure someone with a Halifax account will be along imminently to advise you more specifically.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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  • 2 weeks later...

I've realised that I haven't sent a summary or list of all the charges I'm claiming for in my preliminary approach for payment letter, I've only included the total amount. Could anyone offer me any advice in this matter, do I send it in separately or re-send the letter or have i balls'd it up?

 

Thanks

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No, you're fine. You have several cahnces to do it yet. You could attach the figures to your 2nd letter, or send it to them seperately when you apply to moneyclaim.

 

You're fine so far...

.

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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Graduate Account

Total Claim £956

 

I've been looking around the threads but I have a few questions.

I am at the stage of having sent my first request for payment of chrages, the 14 days are up today and not a single letter or phone call, nothing! I realise that I now need to send the letter before action.

This is where I get stuck;

 

When do I need to fill out the Moneyclaim form?

 

Is it gonna cost me?

 

Is now a good time to open a new account?

 

Have I missed anything?

 

Sorry for being a little slow, this seemed simple until I actually started the claim!

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Go back and check out the FAQ's, it's all in there. You do the Moneyclaim when your 14 days after the LBA expires. Letter Before Action. Action is the Moneyclaim. Now is a very good time to open an account. Yes it will cost you but you will get it back if/when you win.

 

Just keep reading.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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11.png

 

Translation: Why don't you read the FAQs? (and the step-by-step?)

 

Please don't tell me you have, because I KNOW that can not be true. The questions you ask are answered there. Except the question "have I missed anything?" ...which I have answered above.

 

And one more thing: In future, could you please keep to one thread? Starting a new thread every time you have a question or update does not help us, it does not help you. Thank you.

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Had a nice letter this morning telling me that they feel that they would be confident that they would win in court. However they are prepared to offer me £860.00 of the £956 that I am claiming.

I know at this point everyone will say great, accept as a downpayment and crack on, but I am so tempted to take it and run (leaving a donation of course). With the difference being just £94 is it worth the continued stress? I just don't know?????????:roll:

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Had a nice letter this morning telling me that they feel that they would be confident that they would win in court. However they are prepared to offer me £860.00 of the £956 that I am claiming.

I know at this point everyone will say great, accept as a downpayment and crack on, but I am so tempted to take it and run (leaving a donation of course). With the difference being just £94 is it worth the continued stress? I just don't know?????????:roll:

Hi Luke,

 

It is your decision alone, and no-one would berate you for accepting the offer. However, I am sure that most people will agree that a bank offering 90% can be persuaded to pay up the full amount - £94 is a good meal out for two, with a celebratory bottle of bubbly thrown in for good measure...

 

Well done, and let us know what you decide...:)

 

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I really think this offering of most of the amount - 90% in your case, 83% in mine, is just their way of clawing back some small semblance of victory. Crazy.

 

Yep, you're right, the £94 is so small its hardly worth the fight, and as I've said on these forums before, you have to pick your fights in life carefully.

 

As always, its your decision, and your money. If you have the spare time and aren't being worked up over the whole process, then I'd say go for it. For many people its quite an exhilerating feeling to take the banks to court. For others, its nothing but a drain on time, resources and emotions.

 

Which ever way you choose, you did yourself proud.

.

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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I really think this offering of most of the amount - 90% in your case, 83% in mine, is just their way of clawing back some small semblance of victory. Crazy.

 

Yep, you're right, the £94 is so small its hardly worth the fight, and as I've said on these forums before, you have to pick your fights in life carefully.

 

As always, its your decision, and your money. If you have the spare time and aren't being worked up over the whole process, then I'd say go for it. For many people its quite an exhilerating feeling to take the banks to court. For others, its nothing but a drain on time, resources and emotions.

 

Which ever way you choose, you did yourself proud.

 

I see exactly where you are coming from on this, and I do agree that it is up to the individual to decide what is right for them. However the more people take them to court and/or hold out for the full amount, the sooner the banks will get the message that they need to stop trying to fob us off with offers of anything less than what is rightfully the consumers.

 

Well done though LukeT. I would go for 100% but it is your claim and you are in control, so it's up to you.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I guess I would be quite nonplussed in my reply; I would be confused as to why they would offer only 10% less than a full settlement - are they that short of 94 quid? Does it help anyone to withhold that amount? Personally I've been quite chilled out over this whole process and have enjoyed immensely watching various financial bodies squirming frantically while reading around these forums. Personally I would write back in this "confused" vein, accepting the 90% but fully prepared to continue my action until it is fully settled.

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  • 2 weeks later...

I've decided to accept the amount offered, I have a lot to juggle in life and am planning a trip to OZ so could really do with the money asap. However my acceptance was sent on the 16th, registered of course and I haven't heard anything yet. Does anyone have any idea on average how long this usually takes? Thanks for all your input, its been really helpful.

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you could try giving the solicitors a ring to see whats going on

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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