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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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Re: Me vs MBNA court case looming help please / **DISCONTINUED**


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Hi, dont bother with the Subject Access Request for the moment, suggest you do the CCA request Do Not sign the letter just type your name, enclose £1 PO not a cheque, send by recorded keep the reciept (cost about £1.40).

 

Now to the court claim, a few questions,

 

what is the date of issue on it?

can you post up or type out the Particulars of Claim word for word (minus anything which might identify you)?

have you ever had a Default Notice for this account?

 

 

The claimant claims payment of overdue balance due from the defendant under a contract dated on or about 18/9/1997 in the sum of 21657.75 inclusive of interest to the date of this summons at 8% per annum from 04/11/08 to 13/11/08.

 

Particulars a/c no: XXXXXXXXXXXXXXXXXXXXX

 

Date Item Value

04/11/2008 Default balance 21657.75

Post Refrl Cr NIL

 

13/11/2008 Interest 42.64

Total 2.657.75

 

Together with Interest pursuant to s69 county courts Act 19 at the rate of 473.76 per day to the date of Judgement or sooner payment.

 

I have copied this from my previous post on this thread.

 

Date of Issue 14 Nov

 

CCA went 26th November

 

Do I need to do anything after acknowledgement of service, I have a receipt when I did it, will the courts contact me any other way or do I need to watch my time schedules closely?

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I don't think you should wait for your CCA request. I doubt they will respond in time since this is no longer an ofence to respond after 30 days. I think your best tool is to send a CPR 31.14 requesting the information you need( your contract is the most important)

http://www.consumeractiongroup.co.uk/forum/legal-issues/159445-getting-them-reveal-their.html

 

have a look at link above, they are obliged to suply this request within 7 days and is free, just the cost of a recorded letter £1.08

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I have already sent the letter mentioned at the end of that link, they sent it back saying.

 

Ref Blah Blah Blah

 

 

We hereby return your document dated 20 November 2008,

 

It is not our policy to respond to unsigned, draft documents

 

Yourrs faithfully

Big squiggle.

 

I will keep the original letter as proof of their help to bring this situation to a satisfactory conclusion, not sure if it will help my case or not, I will send another copy requesting the information and print my name in ink, I will mark the letter final release not draft, see if they understand that.

 

Does that sound fair? if not any better wording that may help?

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Ok, andy doesn't seem to be about at the mo, you say you have acknowledged service saying you intend to defend all of the claim.

 

In that case you have until 17th Dec to file your defence.

 

Without reading back thro the thread can you answer a few questions, then we can try to formulate a defence.

 

Who is the claimant at the top of the claim form, MBNA or someone else?

 

Have you ever had a Default Notice from them? if yes can you post it up(1st remove anything which could identify you).

 

Can you post up a copy of that letter you sent the solicitors (as sent) (again no personal details), and have you still got the postal receipt for it and the one for the CCA request?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Ok, andy doesn't seem to be about at the mo, you say you have acknowledged service saying you intend to defend all of the claim.

 

In that case you have until 17th Dec to file your defence.

 

Without reading back thro the thread can you answer a few questions, then we can try to formulate a defence.

 

Who is the claimant at the top of the claim form, MBNA or someone else?

 

Have you ever had a Default Notice from them? if yes can you post it up(1st remove anything which could identify you).

 

Can you post up a copy of that letter you sent the solicitors (as sent) (again no personal details), and have you still got the postal receipt for it and the one for the CCA request?

 

 

The claimant is MBNA Europe Bank Ltd

 

Unfortunately I am unable to post readable scans my limits are very restricted but I will try, I will try to attach a pdf see if that works.

 

I am sure I have a default but I will need to locate it, I will come back when I have it.

 

attachment.php?attachmentid=4818&stc=1&d=1228153626

 

I keep all postage receipts and copies of letters.

x20cgacopy.pdf

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Ok the pdf worked fine, seeing the DN is pretty crucial really, because most of them are flawed, and this would go in your defence.

 

The CPR letter you sent is good, and their reply will not look good to the court.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Very interesting that they have completely disregarded your 31.14 request & what the hell do they mean by a 'draft document'?. I would be interested to see what x20 has to say but I would be perhaps inclined to apply to the court for an order to force them to either comply or admit they don't have one. Perhaps a very to the point reminder of their obligations under CPR first with 5 days to respond before you make the application.

 

Juust a thought.

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Very interesting that they have completely disregarded your 31.14 request & what the hell do they mean by a 'draft document'?. I would be interested to see what x20 has to say but I would be perhaps inclined to apply to the court for an order to force them to either comply or admit they don't have one. Perhaps a very to the point reminder of their obligations under CPR first with 5 days to respond before you make the application.

 

Juust a thought.

 

Hi FF, yes i thought the same, however was reluctant to suggest it considering the OPs dire financial circumstances (see above posts), thanks for raising the idea of an application though.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I am unable to locate the default yet but I have piles of paperwork to search through.

 

I have a new 6 month job contract so finances will not be so bad shortly.

 

CCA request hasn't come through yet it was sent on the 26th Nov so they have a few days yet.

 

Any suggestions how to proceed so far or just wait for CCA or me to find the default.

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Yes try to find the DN, but remember the date for filing your defence, bump this thread at least 6 days before that...because you must not miss that deadline...if you really cant find it just let us know, in your defence you can put them to strict proof that they ever sent it.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hello Pi-Stoff!

 

I am unable to locate the default yet but I have piles of paperwork to search through.

 

Give it your best shot to find the Default Notice, becuase arguably the three Documents that matter are as follows:

 

The Agreement.

 

The Default Notice.

 

The Termination (via Letter or via their Action if asking for the Balance not otherwise due before Termination).

 

If either of the first two are flawed, this could win it for you if they have also Terminated.

 

Don't worry about the rest of the bumf, try to find the Default Notice if you can.

 

Why are you still reading this? You should be looking by now! ;)

 

Cheers,

BRW

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Here is one way of going about it...what are your thoughts on this one?

 

 

In the xxxxxxxx County Court

Claim number

 

 

 

 

 

Between

xxxxxxxxxxx- Claimant

 

and

 

 

xxxxxxxxxxxx- Defendant

 

 

 

Defence

 

1. I xxxxxxxxx of xxxxxxxxxxxxx am the defendant in this action and make the following statement as my defence to the claim made by xxxxxxxxxxxx

 

2. The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: -

 

3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters;

 

a) The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due,or any other matters necessary to substantiate the claimant's claim.

 

b) A copy of the purported written agreement that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought, has not been served attached to the claim form.

 

c) A copy of any evidence of both the scope and nature of any default, and proof of any amount outstanding on the alleged accounts, has not been served attached to the claim form.

 

4. Consequently, I deny all allegations on the particulars of claim and put the claimant to strict proof thereof

 

5. I respectfully request the courts permission to submit an amended defence should the claimant file a fully particularised Particulars of Claim

 

Statement of Truth

 

 

I xxxxxxxxxxx, believe the above statement to be true and factual

 

 

Signed .....................

 

Date

  • Haha 1

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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CCM I am not sure what it means in the eyes of the law but guess it is an acceptable defence, has anyone else any comments regarding this or other options, not doubting that is is good just after a bit more reassurance, after all it is a big step.

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Hello Pi-Stoff!

 

CCM I am not sure what it means in the eyes of the law but guess it is an acceptable defence, has anyone else any comments regarding this or other options, not doubting that is is good just after a bit more reassurance, after all it is a big step.

 

It looks OK, after all, they are the ones taking you to Court, so it seems only reasonable that they should've outlined clearly upon what basis they were doing it, including copies of the relevant Documents to support their Claim.

 

Try and get other opinions, as always, and preferably from those on CAG who have some Court experience and/or legal training (that ain't me by the way).

 

Cheers,

BRW

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Its a bit scary being given advice on what to do and there is a sudden absence of feedback when the day of reckoning is near.

 

Anyway CCM I have used your suggestion, wish me luck.

 

Should I do anything about the failure to supply a CCA within the time scale or just wait and see what happens at court.

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In the defence you have asked to be allowed to submit an amended defence should the claimant provide you with full details of the claim.

 

If the claimant goes ahead then this is when you can attack each and every point made.

 

I suspect the lack of further feedback has a lot to do with the fact that the POC is so vague, that there isnt much to comment on, until the case moves forward.

 

The CCA request, well they cant be bothered/dont have it?...something else to go into your amended defence..it wont look good on their part

 

Good luck, but with all the available help on here i dont think you will be needing too much of it.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 4 weeks later...
I have received a card priority request from MBNA today, the front page is clear and the reverse (Financial and related conditions) is smaller text and a little bit more difficult to read but looks equally valid.

 

Is this my trump card gone?

 

copy as a pdf

 

 

Hiya P-stoff, have sent you an urgent pm pls read quickly laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi thanks for the heads up.

 

I have removed the address and name, I can imagine all the debt counselling information going to that address, we moved out of there 8 years ago so I bet the current occupant wonders what hit him.

 

Did you receive this as a result of your CCA request?, they don't stand a chance if they are going to use that as an agreement in court.

 

What date did you file the defence?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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