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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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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.

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      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.
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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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fivelaws v RBS Credit Card


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Prelim dated 29/Dec claiming £970 which included CI at 16.95%

 

Offer of £177 dated 11-Jan.

 

LBA dated 12-Jan.

 

Final 'I am sorry...' letter dated 18-Jan.

 

N1 printed & ready to file on Monday morning for the full amount of £891+fees (this being lower, because I had inadvertently included a couple of charges older than 6 years and didn't fancy the complications).

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Hi fivelaws,

 

If you only have a couple of pre-6 year charges, I'd be inclined to leave them in the claim. Pre-6 year claims tend to be problematic when they're comprised mainly/wholly of pre-6 year charges, but if you only have a couple, you should be fine.

 

Best of luck ;)

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21-Jan. N1 Filed @ Aldershot & Farnham County Court.

 

----------

 

Monsieur Crusher. Nice new avatar. I 'spose the pinkness is a bit passe now?

 

The cause of all my financial problems was a small business I started up 7 years ago which basically drained me of money. I finally bit the bullet (3 or 4 years late) and walked away just over 12 months ago and went freelance. Things couldn't have worked out better and I'm very nearly back to "ground zero" with almost no non-mortgage debt.

 

These last 3 claims pretty much cancel what I've got left. Which is quite sweet!

 

Ironically, considering your name, my lifeline in the early days were HSBC, who were brilliant. The new work has sent me to Hong Kong a few times, so I've got a wallet full of HSBC branded banknotes (they print their own!) and I've walked past their global HQ!

 

How's yourself?

 

just noticed... your modness. Yay!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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yay indeed :-D

 

as for HSBC... dont swear at me!

 

HSBC banknotes... you mean they actually print their OWN money... :eek:

 

(actually, they are not that bad.. well the staff anyway. My branch was brilliant, it was the "others" further up the chain... you know, those who you cant get to talk to)

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Coincraft: Uncirculated Hong Kong 5 dollars

 

I think they've recently stopped printing their own, but about 50% of the notes in Hong Kong are HSBC ones.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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steady on hun, you'll give poor crusher a heart attack!!! ;):D

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

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Lol...........................

 

You can almost see the steam coming out of poor Crusher's plunger!! :D

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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  • 3 weeks later...

Acknowledgement of service dated 6-Feb.

 

The CC must be busy - it's taken them more than a week to get the notice out to me.

 

Interestingly, the MINT claim has been handed to Cobbetts, whilst this one is being dealt with by 'Group Litigation' in London.

 

Why the difference when they are both RBS?

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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  • 2 weeks later...

AQ returned.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Nothing to see here... move along.

 

 

(Edit : Posted comment on wrong thread - sorry).

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Offer!

 

Private courier firm delivered a letter this morning from RBS Group Litigation.

 

a) The letter had the wrong address, but fortunately they managed to work this out...

 

b) The offer was for about 2/3rds of the claim.

 

c) Cheque enclosed.

 

d) Usual restrictions.

 

 

Was tempted. Was *very* tempted... Sent a No.5 rejection letter along with the cancelled cheque.

 

Getting closer....

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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  • 2 weeks later...

*** WON ***

 

I made a counter-offer that was mutually acceptable to both parties.

 

Cheque in bank.

 

 

*waves* Goodbye RBS. It was fun whilst it lasted....

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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