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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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    • 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.

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      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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Welcome Finance - This company needs to be banned.


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Disputing the PPI is easy as most of it was missold .................challenging the enforceablity of the agreement is harder ...................but not much;)

 

 

Trouble is I am concerned that there may be an issue if the PPI puts it over £25k and they refund the PPI can it still be found to be unenforceable?

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If They Refund The Ppi, You Would Have To Sign A New Agreement Minus The Ppi, Interest Etc

As Long As The Original Ammount Borrowed Excluding Interest Is Below 25k

 

You Will Be Fine

 

If The Ppi Element Is Bogus

 

Andie Knows What I Mean On That One

 

The Agreement As A Whole Will Be As The Ppi Element And The Loan Are Linked On One Agreement

 

If One Is Flawed, Both Are

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What I Am Being Told Is The Banks, Or Should I Say Bank Is Very Worried Over The Misselling Of Ppi Etc

It Does Not Want To Be Saddled With This As Cattles Have Nothing In Reserve To Meet These Claims

 

The Auditors Have Been Very Quiet

Even To The Share Holders

They Are Very Jumpy As The Share Income Is Nill To Capital Assett

 

 

And This Illegal Commission We Been Doing Battle On

 

Its Scaring The Hell Out Of Cattles

 

confirmed

 

so Lets See What Wed Brings

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Due to arrears built up i agreed to a re-write of our sec loan back in October. Stupid thing to do i know but i hadnt come across this site back then. The re-write would capitalise our arrears and we would have a lower figure to pay monthly. We havent missed a payment since but in the last 2 weeks we've had 4 phonecalls asking us if we would like to increase the amount we pay to lower the number of months on the agreement. We're not in a position to increase payment at the mo. Anyway during one of the calls i informed them that we had still not received a copy of the rewrite agreement and also informed them that my wife hadnt signed the agreement either. The Welcome person said that my wife DIDNT need to sign because it was a rewrite...is this correct???

Also i asked how many months the loan was for and was told it was 300 months...

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hi nello

 

please send these cretins a cca request to get a copy of the agreement

 

if both you and your wife signed the original agreement, both need to sign the agreement to modify the first

 

did you have, well i know you had ppi etc on the agreement,

you should have had a rebate but knowing welcome like i do

 

get that request off quick

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1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

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If They Refund The Ppi, You Would Have To Sign A New Agreement Minus The Ppi, Interest Etc

As Long As The Original Ammount Borrowed Excluding Interest Is Below 25k

 

You Will Be Fine

 

If The Ppi Element Is Bogus

 

Andie Knows What I Mean On That One

 

The Agreement As A Whole Will Be As The Ppi Element And The Loan Are Linked On One Agreement

 

If One Is Flawed, Both Are

 

OK I'm confused now. lol.

 

Had a car with PPI. Welcome offered a secured loan to pay off the car after 9 months. Took out another loan, was never given a settlement figure, or anything in writing as to what the redemption figures were, but a checque and was told the car is now paid off. The new loan had PPI added. Arguement is, a) was not given any settlement figures on the first loan. b) never given a refund of PPI on first loan c) PPI added for a secured loan on a loan of 15 years, when it only covers 5 years.

 

So barister says he can go for PPI on second loan. I said what about the first loan, as this was paid off by the second loan? But, I am told this loan is not being questioned.

 

Confused!!!

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may i ask for what reason did welcome offer a secured loan after only 9 months to pay the car off

strange

 

as a rule a second agreement will cancel out the first so you will not get the protection of the cca 1974 but you have a decent argument with what you have posted above to get the agreement questioned.

 

if welcome have not followed the corect procedure and only have there best interests at hand.

 

contact the fos

 

it will prob need a judge to sort this out

 

post a link to your thread

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I had a dream !!

 

Last night I had a dream that I had gone into Welcome's local office to talk to the Branch Manager.

 

I was asked to take my trousers/skirt off before seeing him.

 

He kept me waiting an hour at least until I told him that I had to leave as I had another appointment.

 

He wouldn't so I could not leave without seeing him.

 

 

!!!!!!!!!!!!!!!!!

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hi

 

can I have some advice please regarding claim on PPI I wad taken into hospital 6 weeks ago with chest pain and was admitted to the coronary care unit thankfully everthing was okay and pain was probably brought on by stress, my doctor has signed me off I sent claim form back to Direct Group with completed forms from gp and work, today I received a letter from DG stating that they are contacting my gp for access to medical records as my gp stated that I was in hospital in 2006 with chest pains... which I was and at that time was diagnosed with angina. DG are stating that they cannot pay out as there was a pre-existing condition hence the reason they are wanting more information from my gp, my gp is saying that it is stress that I am off work for am a bit at a loss to what happens next and are they correct can anyone advise me please

 

many thanks

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I had a dream !!

 

Last night I had a dream that I had gone into Welcome's local office to talk to the Branch Manager.

 

I was asked to take my trousers/skirt off before seeing him.

 

He kept me waiting an hour at least until I told him that I had to leave as I had another appointment.

 

He wouldn't so I could not leave without seeing him.

 

 

!!!!!!!!!!!!!!!!!

Wooohoo Tell us the rest of the dream already dammit!

I need to change my avatar..But cant find a good replacement.

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I had a dream !!

 

Last night I had a dream that I had gone into Welcome's local office to talk to the Branch Manager.

 

I was asked to take my trousers/skirt off before seeing him.

 

He kept me waiting an hour at least until I told him that I had to leave as I had another appointment.

 

He wouldn't so I could not leave without seeing him.

 

 

!!!!!!!!!!!!!!!!!

 

 

I second that !!!:lol::lol:

 

Maybe he had a hidden camera under the desk :lol:

Forsure

 

** One woman crusade against the rip off lenders ! **

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just got this of LSE website.....end of last paragraph a bit concerning and may suggest cattles may pull through...hope not though

 

Publication of 2009 Annual General Meeting Circular

 

Cattles plc announces that the 2009 Annual General Meeting will be held on Wednesday 29 July 2009 at Saviles, Armouries Square, Armouries Drive, Clarence Dock, Leeds, LS10 1LT and will start at 11.00 a.m. The 2009 Annual General Meeting Circular and accompanying Form of Proxy will be sent to shareholders and others entitled to receive them on 27 June 2009 and copies of these documents are today being forwarded to the Financial Services Authority for publication through the Document Viewing Facility.

 

Copies of the 2009 Annual General Meeting Circular may be obtained from the Company Secretary, Cattles plc, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire WF17 9TD and will be available on the Cattles website (www.cattles.co.uk/index.php?2009_agm) from 27 June 2009 onwards

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hi

 

can I have some advice please regarding claim on PPI I wad taken into hospital 6 weeks ago with chest pain and was admitted to the coronary care unit thankfully everthing was okay and pain was probably brought on by stress, my doctor has signed me off I sent claim form back to Direct Group with completed forms from gp and work, today I received a letter from DG stating that they are contacting my gp for access to medical records as my gp stated that I was in hospital in 2006 with chest pains... which I was and at that time was diagnosed with angina. DG are stating that they cannot pay out as there was a pre-existing condition hence the reason they are wanting more information from my gp, my gp is saying that it is stress that I am off work for am a bit at a loss to what happens next and are they correct can anyone advise me please

 

many thanks

 

THIS IS TYPICAL OF WELCOME DIRECT GROUP

 

WHAT YOU NEED TO DO IS CONTACT DIRECT GROUP AND WELCOME AND ASK FOR A COPY OF THE NEEDS AND DEMANDS STATEMENT TO SEE IF THESE QUESTIONS WERE ASKED

 

WHICH I KNOW WERE NOT

 

LETS PLAY THEM AT THERE OWN GAME

 

CRETINS

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THIS IS TYPICAL OF WELCOME DIRECT GROUP

 

WHAT YOU NEED TO DO IS CONTACT DIRECT GROUP AND WELCOME AND ASK FOR A COPY OF THE NEEDS AND DEMANDS STATEMENT TO SEE IF THESE QUESTIONS WERE ASKED

 

WHICH I KNOW WERE NOT

 

LETS PLAY THEM AT THERE OWN GAME

 

CRETINS

 

Post

 

Arent they supposed to submit the needs and demands statement within a S.A.R ???? I know they didnt supply me with one, just a copy of the credt agreement and a account statement ( I think anyway - Im at work and cannot check ). My complaint is now with the FOS as you probably know, is it worth me re-submitting a S.A.R or wait for the FOS ? They wrote to me the back end of last week advising they now had all the info they requested from Welcome and were awaiting to pass my case to an adjudicator........:)

Forsure

 

** One woman crusade against the rip off lenders ! **

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The Reason They Dont Put Them In The Sar Is Most Of The Time, There Are None

 

They Were Just After The Commision

 

No Statement Of Means, As It Forms Part Of The Agreement,

Result

 

No Agreement

 

As Ive Said Before

 

You Could Be A 100 A Day Smoker And A Sky Diver

 

Would You Give That Person Life Insurance

 

No Statement Of Means

 

Ppi Is Crap

 

Period

 

Then Dont Get Me Going On Undisclosed Commission Payments Between Welcom/direc/ And Norwich Union

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may i ask for what reason did welcome offer a secured loan after only 9 months to pay the car off

strange

 

as a rule a second agreement will cancel out the first so you will not get the protection of the cca 1974 but you have a decent argument with what you have posted above to get the agreement questioned.

 

if welcome have not followed the corect procedure and only have there best interests at hand.

 

contact the fos

 

it will prob need a judge to sort this out

 

 

Thanks, here is my link

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/206899-taking-welcome-court.html#post2257013

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