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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • 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? 
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My claim Gettin'evil -v- Natwest


gettin'evil
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Thanks. I know about the spreadsheets but can't get any of them to work! I just need someone who's done it so I can pick their brains!

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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What are you opening the spreadsheet in? Excel?

 

The sheet that you need is on worksheet 2 (on the tabs at the bottom) and you enter the dates and charges etc in the blue part. The figures will appear at the top.

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still can't do it ... have done this now in excel. Is it ok?

 

CALCULATION OF PENALTY CHARGES UNLAWFULLY DEDUCTEDDATE PENALTY APPLIEDDETAIL OF PENALTYPENALTY CHARGED15/11/2002 Charges - unpaid item60.0025/11/2002Charges - unpaid item30.0031/12/2002Charges to 29/11/200214.0010/02/2003Charges - referral charge for January 0375.0028/02/2003Charges 31/01/0314.0010/03/2003Charges - referral charge for February75.0031/03/2003Charges 28 Feb 0314.0008/04/2003Referral charge for March 0375.0030/04/2003Charges 4 Apr 0314.0009/05/2003Referral Charge for April 0375.0030/05/2003Charges 02 May 0314.0009/06/2003Referral charge for May 0375.0030/06/2003Charges 30 May 0314.0031/07/2003Charges 4 Jul 0314.0029/08/2003Charges 29 Aug 0320.0008/04/2004Referral charge for March 200425.0030/04/2004Charges 02/04/200420.0008/08/2005Referral charge for July 0560.0031/08/2005Charges 29/07/200528.0028/09/2005Charges unpaid items35.0030/09/2005Charges 2 Sep 0528.0010/10/2005Referral charge for Sep 0590.0031/10/2005Charges 30/09/0528.0031/05/2006Charges 28 Apr 061.0705/06/2006Charge unpaid items38.0005/06/2006Charge unpaid items38.0007/06/2006Charge unpaid items38.0019/06/2006S/C refund-38.0030/06/2006Charges 02/June A/c12.0025/07/2006Charge unpaid items38.00Total1024.07

 

Statement of claim:

 

1. The Claimant has an account ("the

Account") numbered 02705214 with the

Defendant which was opened on or around 2002.

2. During the period in which the Account

has been operating the Defendant debited

charges to the Account in respect of

purported breaches of contract on the part

of the Claimant and also charged interest on

the charges once applied. The Claimant

understands that the Defendant contends that

the charges were debited in accordance with

the terms of the contract between itself and

the Claimant.

3. A list of the charges applied is attached

to these particulars of claim.

4. The Claimant contends that:

a) The charges debited to the Account are

punitive in nature and not a genuine pre-

estimate of cost incurred by the Defendant;

exceed any alleged actual loss to the

Defendant in respect of any breaches of

contract on the part of the Claimant; and

are not intended to represent or related to

any alleged actual loss, but instead unduly

enrich the Defendant which exercises the

contractual term in respect of such charges

with a view to profit.

b) The contractual provision that permits

the Defendant to levy such charges is

unenforceable by virtue of the Unfair

Contract Terms in Consumer Contracts

Regulations (1999), the Unfair Contract

Terms Act 1977 and the common law.

5. Accordingly the Claimant claims:

a) the return of the amounts debited in

respect of charges in the sum of £1024.07;

b) Court costs;

c) Interest pursuant to section 69 County

Courts Act as set out on the attached list

of charges or at such rate and for such

periods as the court deems just.

I believe that the contents of these

particulars of claim are true

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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  • 3 weeks later...

sent mcol last night so guess served today?

 

14 days and counting.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

  • 2 weeks later...

claim acknowledged so 28 days from 6 September.

 

Thankyou for listening!

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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can anyone tell me if I should have heard something from MCOL by now. I only know that an acknowledgement of service of my claims has been filed by logging onto the MCOL website.

 

Thanks.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

ok thanks !!! keep in touch!

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

can you tell me when you receive something. If you're at about the same stage as me? and yes 3/4 October 28 days is up.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

  • 2 weeks later...

I now assume that 28 days from issue of claim does not include weekends/bank holidays? If so I am expecting a defence to be filed on Friday 13 October.:o

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

28 days from issue of claim does include weekends, not sure about bank holidays though. So its easiest to think of it as 4 weeks. I would expect the bank to file a defence on the very last day they can, or even a day or two later and still get away with it.

My original 2006 claim - Victorious!

13/06/2006 - Sent Data Protection Act Request (NatWest), recorded delivery.

19/06/2006 - Sent preliminary letter, requesting £3483

17/07/2006 - Sent LBA for revised figure of £3601 (after finally managing to open a parachute account with Lloyds TSB!)

07/08/2006 - Filed Moneyclaim for £4401

11/09/2006 - Defence received from Cobbetts

25/09/2006 - Sent AQ to court and CPR18 response to Cobbetts

30/09/2006 - AQ due at court

25/10/2006 - *WON* Cheque for full amount received from Cobbetts

 

"Things are made of littler things that jiggle"

- Richard Feynman

 

 

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thanks - defence and request for further info received today.

 

Am going to send the usual let saying this is intimidatory and I don't have to do it anyway with a note of my account no etc and schedule of charges. Do I now wait for allocation questionnaire from the court??

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

same here (acknowledgement only showing on MCOL). from reading other threads, they tend to wait til almost the last day possible - in your case, what, 3-4 OctobeR?

 

Received a defence and request today. Have you received yours yet?

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

Received a defence and request today. Have you received yours yet?

 

yup, Defence filed and AQ received - now been transferred to the local court. same as you - gonna produce the standard responses, sit back and wait for 'em to settle!

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ok - my claim is for £1318 or something like that - under £1500 anyway . do you know how much I have to send the court as a fee pls? I've have a search around as well

 

Good luck. omig its getting really exciting now! can't wait to pay off my overdraftwith the money.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

  • 2 weeks later...

have just sent off AQ to Shoreditch and Clerkenwell court with £100 cheque together with copies of schedule of charges and copy letters receive so far from bank together with a covering letter saying look forward to receiving date for hearing copied to Cobbetts

 

Cobbetts wrote this week protesting at my reply accusing them of intimidation by requestion Part 18 particulars (using the template provided here). I ignored them. Keeping fingers crossed that all will be ok and cheque will arrive in my account v soon.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

Filed my AQ with the County Court yesterday, complete with the schedule of charges and all correspondence. Also sent reprimand letter to Cobblers re their CPQ 18 request complete with all the documentation again.

 

Was then amused this morning when I got a lettre from Cobblers enclosing NatWest's AQ which said nothing at all except a two-line thing that I hadnt provided enough info and they would apply to strike out my claim! Ha!

 

Hopefully down the home straight now....

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Have received offer for £750 and accepted as part payment only.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

  • 3 weeks later...

Hey

 

Sat morning cheque for £1138. Am just about to email mods as not sure what to do as it doesn't include court costs of £200 approx. What about you?

 

J.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
Share on other sites

Cheque for £1138 received Sat morning. However this doesn't include court costs. Any ideas?

 

J.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

Link to post
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