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    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
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Loz and MBNA


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I just had a message left from a Sue Jones at MBNA, wanting me to call her back regarding my letter(s). I wonder if this is about the PPI or getting my payment date put back a few days... and more charges :rolleyes:

 

Hi Loz

 

I hope they aren't still charging you when they haven't provided an agreement to prove you agreed to charges :o I would be writing to complain if they are.

 

If you're ringing, be cautious, unless of course you can record calls ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Hopeful1

Their response to my CCA request is here: http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-398.html#post989064

 

The only definite thing I could pick up on from it was the lack of reference to PPI... I have complained about that (now with the FOS) and also made repeated complaints about their late fees. In my most recent complaint I pointed out (again) that some time ago they brought forward my payment date so that it fell before pay day, and requested that they put it back so that I can pay my bill and not have to keep requesting refunds of late fees.

FWIW I'm not ringing her back, I hate phones and like a good CAGger want everything in writing :p

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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I have a letter from MBNA this morning - they have had another think after the FOS wrote to them about the PPI.

Following a further review, I would like to confirm that we will be refunding all Payment Protection Cover charges to the above account. This will cover the period from 12 February 2005 to 3 August 2006, and will include any associated interest charges. The refunds will show as credits on your April 2008 statement.

This should be about £220 and while it would be good to reduce the £2k balance on this card, could I ask them for a cheque so I can get another creditor off my back?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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I have a letter from MBNA this morning - they have had another think after the FOS wrote to them about the PPI.

 

This should be about £220 and while it would be good to reduce the £2k balance on this card, could I ask them for a cheque so I can get another creditor off my back?

 

Loz

 

 

When FOS won my Egg claim, i signed the acceptance form and added a note to say i wished the money to be refunded in the form of a cheque made payable to me - they did!

 

There's never any harm in asking ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I haven't yet heard back from the FOS, does this matter? And you're right, I should ask for a cheque. As I just said on another thread of mine, shy bairns get nowt :p

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

I wrote to MBNA saying that I was willing to accept their offer but stating that I wanted a cheque so that I could distibute the money between creditors. They have credited the ~£250 to my account regardless, and I can guarantee that it will not count towards my monthly payment. Is there anything I can do?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

I wrote again last week to ask for this refund by cheque, and just received an email from Sue Jones - apologising for not having received my previous letter and agreeing to send me a cheque. Result on the PPI! :D

 

As for the charges (again!) and my request to change my payment date, they are on their last chance before I escalate that particular complaint...

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Received and banked my cheque at last! :D

 

Before I close this with the FOS however, I think I need to ask for an explanation why MBNA have just told me my new APR is 36% :eek:

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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About 29 I think, hard to say since they only give a monthly rate on statements...

 

It was 15/16% when I first got the card :(

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Just to round up one more matter on this thread, they have agreed to refund me another £60 of charges and at long last have put my payment date back so that it falls after pay day. I hope this is the last time I will have to complain about their "late fee"...

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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No reply yet, took me a little while to get the letter written...

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Quel surprise...

A letter from the "customer retention department" regretting that they are unable to review the rate of interest on my account, and that it is a "fair price for the product and service". Yeah right.

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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Quel surprise...

A letter from the "customer retention department" regretting that they are unable to review the rate of interest on my account, and that it is a "fair price for the product and service". Yeah right.

 

Well, if nothing else they're consistent - i do think they actually believe their propaganda.

 

Well done, by the way Loz, for sticking with it. Regaining your charges and changing the payment date? Good work ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Thanks hopeful :)

This letter about the rate rise basically says that their decision is based on things like the way an account is managed, number of late payments, etc. In other words, if it looks like you have been struggling with your finances, they decide to make things worse. Would the FSA or OFT be interested in this behaviour I wonder..?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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