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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
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Mat V HSBC


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Here we go. I have the template and have read the forums. I am now confident and very determind. First problem is where do i send the letter asking for a list of my charges? Is there 1 national address or do i put my local branch into http://www.esd.informationcommissioner.gov.uk/esd/search.asp ?

 

This is going to be fun :)

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Hello!

 

You can hand in your letter into the branch, as you can all the letters (untill you have to deal with the solicitor of course) as they all end up in the same place.

Be sure to obtain some sort of receipt.

 

Crusher :-D

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I took the ''preliminary approach for repayment'' letter to the bank on 27th June and handed it in to a very nice lady. I got to her to sign a reciept too.

 

I am just checking that i now just have to wait? Within 14 days i should recieve a letter back and then we go from there, correct?

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HAVE I MADE A MISTAKE !!!!!

 

I took my letter to the branch yesterday but inmy haste did not check my other accounts or add on the interest. Since doing this i am now owed an extra £1000. Can i just sent the letter again with the increased amonut or do i need to do something else. Help Help Help :o

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If they are different accounts start the same process with them. If they are the same I would try to increase the amount but explain it with a full break down. We did change our amount at one point. Coz they ignore the letters I think we got away with it.

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HAVE I MADE A MISTAKE !!!!!

 

I took my letter to the branch yesterday but inmy haste did not check my other accounts or add on the interest. Since doing this i am now owed an extra £1000. Can i just sent the letter again with the increased amonut or do i need to do something else. Help Help Help :o

 

you can claim for as many accounts at the same time as you like as long as the total claim is below £5000, the interest that you refer to , is that the 8% interest, or the o/d interest?

 

as regards your possible mistake DO NOT PANIC, all you have to do is send them a revised preliminary letter and restart your 14 days again, and ofcourse make double sure that its right this time (i.e. interest)

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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Good luck with it.

 

We got our money as you know on Tuesday. The last two weeks we have been on holiday, we only got back on Sunday. Yesterday we got a letter from Halifax (our new bank) saying they were charging us 30 quid as we had gone over our limit by 8.28 for two days. Ealier that day we had been into the branch to pay in 3300 (the money from our hsbc claim). They didn't tell us about these charges at that point!!!!

 

When we got home this letter was waiting for us. We called them up and asked them if they would cancel the charge as it was a slight oversight, they said no. We got put through to customer services who would "explain why the charge cost that much", they started telling us how they had to decide manually if they would allow us the 8 pound or not. I interrupted him saying "Can you see whatamount of money I have paid in today? Well I got that by suing HSBC for excessive bank charges." The man asked me to hold on and two mins later came back on the line and told me that they would drop the charge!!!!!!!!

 

At least I dont have to pay the charge. All this after telling me they would allow me 10 pound grace on my limit.

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Well yesterday i recieved a letter replying to my first prelim letter (before interest and only one account) saying the standard answer of could you please send us a breakdown of charges blah blah blah. I decided to ignore this because i have subsiquently sent my second prelim (Including all accounts and interst) with a full breakdown of charges.

 

Now its gets interesting! This morning i received the following letter.

 

Dear Mr Hancock

Thank you for your request with regard to information about charges and fees on your accounts for the last 6 years and please accept my apologies for the delay in our response.

We note you do not want copy statements, however, this is the only format in which the bank holds the information you require. For this reason duplicate statements have been ordered on all your accounts, including your credit card.

Yours Sincerely

 

 

Ian Shepherd

Centre Manager

______________

 

I dont want my statements! i have used there online facility to calculate what they owe me!

 

Any ideas please?? Should i just carry on with the deadline (7 days left) or is this letter classed as a response.

 

I would love to here your ideas in what they are doing.

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Having thought for the afternoon i have decided to send a letter in reply. The contents of this will be something like.

 

Thanks for your response but i do not consider it to be positive as requested in my letter dated 28/06/2006. I am still awaiting for that and should it not reach me by Wed 12th (14 days from that date of my original letter) you will be hearing from me again.

 

What do you think? Any opinions are more than welcome.

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  • 2 weeks later...

RESPONSE LETTER TO LBA

 

After sending my LBA i have recieved a reply which is below. Do you think this is a standard response and they are trying to scare me off? Should i continue with my timetable? Has anyone else recieved this letter? I would appreciate your help please.

 

Dear MR Hancock

 

Thank you for your letter dated 11 July 2006 requesting a refund of bank charges of £2584 going back 6 years.

 

The bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us, lead to your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service.

 

Our fees and charges are clearly stated in our published price list and there circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account.

 

Whilst i accept this letter will not provide the response that you hoped for, I trust i have been able to clarify the banks position. If you are not satisfied with the banks response you should now refer your complaint to the Financial Ombundsman Service, as this represents our final response on this matter.

 

Yours sincerley

 

Mr Colin Langdale

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