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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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    • 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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    • 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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bank Loan interest


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Hi to all, I borrowed just over 17000 from NatWest to repay it back over 28 months. As I was checking my Loan account I kept seeing interest charges to my loan account every month.

 

My repayment is £696 every month, but where did the £142 interest charge come from? Isn't the interest included in the £696 anyway?

 

Is this normal? I will be totally shocked if this normal because every month after I pay £696 back, they charge £142 straight away.

 

Can someone explain this to me?

 

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90313160dh6.50ca78cde3.jpg

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Hi Trajan,

 

Can you let us know what the APR rate is ?

 

I am having problems trying to work this out.

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I topped up my previous loan of £13.500 to £17.300 to repay it over 28 months. The APR is 10.5%. it was 9.1, but because of my credit rating it jumped to 10.5%.

 

My monthly repayment is £696.14 (it says 695.80 on the agreement) It is a personal loan account. Fixed rate.

 

It says on the loan agreement total interest £2182.40. Total amount payable £19482.

 

696*28=19488

 

Where is the £142 coming from?

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Ok, it sounds like risk band pricing. I still don't get the way they have done that. I will explain, normally what will happen on loans will be the old loan is closed and a brand new one set up with the old loan closed. The above statement is from the loan? It does not make sense to me.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thats whey did. I closed the old loan of 13500 and opened a new one worth 17.300. I paid the early redemption charge as well. I still don't understand this charge of 142. I wonder I could also claim the early redemption charge as well? It was around 300 quid i think.

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I have to be honest and say I don't know. I think you need to write to the bank for an explanation.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It's exactly as Rhinoagainstcharges says.

 

My loans with NatWest have all operated on exactly the same basis. The monthly repayment doesn't change but the part of it which equates to interest decreases month by month.

 

Move on, there's nothing to see here! :-(

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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