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    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • 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.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Suecon v Alliance and Leicester


Suecon
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Thanks for help yesterday, got Nicole Rich Report on 2 pages now not 90!

Can you help with this please do i need anything on manual intervention in bundle, also should i include witness statement aswell as statement of evidence. You may be rolling your eyes thinkin god help her and i wish he would, but trying my best thanks

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  • 2 weeks later...

Apologies first for being thick! but I am trying. Court bundle to be in by 1.8.07, go on holiday 2.7.07, I think Im more or less there with it now just a couple of queries: is there a certain way of assembling the bundle (which order do papers go) and can anyone help with A & L terms & cond for 2004 I cant seem to find them. If you do help please spell it out in easy terms as Ive already said im a bit challenged in the brain department thanks

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You really need to be on the A&L forum. All here about court bundle.http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

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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I have asked the moderators to move your thread. Meanwhile click on here for A&L forum. http://www.consumeractiongroup.co.uk/forum/alliance-leicester/ It will be easier to follow and help your claim if it is in the right place. Good luck.

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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Done Parky.

5 threads merged !!

 

 

Best way to do your bundle is prob to start from oldest stuff first.

Do an appendix on the first page.

Will look like this;

 

1a; Letter to defendant dated 01/06/2007

1b; Reply from defendant dated 12/07/2007

 

and so on

 

then you can do the legal stuff

 

2a Copy of Terms and conditions

2b Copy of Unfair Contracts

 

bla bla

 

3a-3k Bank statements as supplied by the defendant

 

In my claims I wrote in felt tip on the corner of each doc........this is because you need 3 copies.

The originals where possible will need to be taken on the day if it gets that far so keep those.

 

Remember also if the bank settle before Court and after you have submitted any original docs,to ask for these back.

I was caught out on this after doing a second claim as much of the stuff I did not have originals of was in the Court from the previous claim.

Also saves you doing extra copies in further claims as you can use them again.......and again......and again !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks for help. Sorry to mither again but you mentioned Unfair Terms Contract where can I find this also any help on A & L terms & cond for 2004, also I was going to photocopy everything for court & sols and keep originals for myself is this ok thanks

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Oh my god how thick am I? Course it is. Sorry but Im a the point of total melt down with this now, Ive got a permanant glide in both eyes now, I can look at six people at once and none of them know which one I m looking at, very attractive! Thanks for help

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Can you tell me if this looks ok is there too much or not enough I still have to number pages but hoped to get checked first Thanks again.

schedule of charges

statements

statement of evideence

oft summary

early day motion may 06

bbc commission conclusion

nicole rich report

peter mc namara interveiw

reelvant case law

dunlop v garage

utccr 1999

ucta 1977

soga 1982

A & terms & cond 2007

claimants correspondence

defendants correspondence

court papers

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Where' The Northern Ireland one/

 

Goes under the title of, 'Market investigation Into Personal Current Account Banking Services In Northern Ireland'. Otherwise known as The Northern Ireland Report.

 

Would suggest also including a few stories from the BBC archives regarding Bank Charge Items etc. Just go on the BBC website and have a scratch around. If I knew your email address I would scan a couple to you, have you done your witness statement yet? The idea of the 'Court Bundle' is to add as much as possible in defence of your case. Better to have too much, rather than not enough. As time goes by, the more the banks will wriggle.

pp

SQ

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Thanks so much for help have to get in onTues as going Thur, email is I think. Im hopeless at this kinda stuff, bit worried as well as other people have said their bundle was nearly 200 pages mine's 110. Have got the whistleblower report is that any good. Also got 2 OFT reports one is OFT's action on credit card default charges and the other Calculating fair default charges in credit card contracts A statement of the OFT's position, which one do I use. Thanks again for help, got to go now sixteen year old son returned from football wants to eat chips n gravy in bath.....over my dead body.

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Ooops sorry forgot do I need witness statement as well as statement of evidence? have got one from site but needs amending to me shall I use both. By the son settled for chips n gravy in kitchen n paper in bath, he'll learn!

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Hi, i am a bit confused, not sure if i am doing this right ( i am a dumb blond, say no more). This is were i am at, asked for statements , they arrived very quick, highlighted all charges:eek: , more than i thought, made copies sent the bank theres. They replied the norm ( terms and cons), no money. Sent them the next letter say i would take it further, court, they said fine, went on money claim online, put in details of claim and added interest. Recived a letter from Wragge&co 20th july saying that they had recived and that would defend all the way, started to get really worried, then on 23rd july recived another letter from them staiting there defence. Also recived a letter from A/L saying that all charges were within there terms and conditions but would offer me a payment out of the goodness of there heart and that i have untill the 16th August to accept. I do not want to accept as its not even half of what i have asked for, i am not sure what i do.:?: Hope you understand that, sorry its long winded. Andrea x

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Hi Andrea 39 from one dumb blonde to another. A & L did same with us we turned down offer and carried on with court proceedings. I can give you all the moral support you need but as for the proper advice you need the people who have been there and done it. You will find all these folk here in the forums they are only to happy to help. I m sorry I wasnt much use but Im in court in 3 weeks and its begining to get to me feeling very thick n bogged down. Hope all goes well sorry I couldnt help more

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Nothing unsual in above massage. All pretty Standard Stuff from Wragge's & A&L, might tweak a bit here and there, but in general everything Andrea has, we've all had. What was the offer in comparison to the amount owed? Having watched Channel 4 tonite, I'm wondering whether I should have accepted their pittance, that's on the Black side. On the positive side as it's the OFT who are taking the banks to court, then they cannot afford to lose, because if they do, every law ever made to protect the Cosumer will have to be thrown out of the window. And we, the consumer will be prey to every transaction we ever make, even paying to have your windows cleaned, grass cut etc, will be open to abuse.

 

Billy Ball

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