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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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      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.
      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.

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

M&S Chargecard/credit card PLEASE HELP *** SUCCESS ***


emmtay
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Hi ims

I have had another offer from them, still no where near what my figures are though! I have the spreadsheets ehich I would like you to look at, both theirs and mine...how do I upload them onto here? I know I have to blank out personal details but don't know how to do that either?!

Hope you can help again

cheers Emmtay

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Posted Images

You can use this method to upload your files

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

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Hi, ok so I take a photo on my mobile and then save it as a picture file etc.? Will give it a go but have a feeling the print might be too blurred to read!

Could be a while....will do as quick as poss!

Cheers

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hi

ive taken the picture on my phone, emailed it to myself, saved it as a picture, tried to open adobe reader and it says it can't read it as something to do with email?!

Tried to save it as a pfd and there isn't an option for that? Please help?! I really am not any good at theses kind of things:oops:

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Their letter -

 

Dear Miss .....

 

Please find attached a revised spreadsheet calculating your PPI refund.

 

The refund has been calculated in line with the guidance issued by the

Financial Services Authority (FSA).

 

The contractual rate of interest used is 18.9% and statutory interest has

been calculated at a simple rate of 8%.

 

The password to open the spreadsheet is insurance1 (case sensitive).

 

I acknowledge that we have made errors in our previous calculations which

has caused you inconvenience.

 

Therefore, I propose to offer you a compensatory payment of £200.

 

If the settlement is acceptable, please sign the attached acceptance form

and email this back to me.

 

On receipt of the acceptance, I'll arrange for the payment to be

transferred to your bank.

 

As you will be aware the Financial Ombudsman Service requested our case

papers in 2010. If you remain unhappy with our calculations and

compensatory payment you should refer our offer back to the ombudsman

quoting reference 9294985, so they can adjudicate impartially on our

proposed settlement.

 

Once again, I am sorry for any inconvenience that has been caused regarding

the assessment of your refund

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Acceptance form.pdf

 

Thats all their revised figures, I will put my figures on next.

I know you said to use the date the account was closed as the claim to date but I am trying to use the claim to date as the date they finally pay me. The reason I am trying to do this is because my argument is...I started this claim in 2009, when the card had a continual balance of around 9.5k, only paying the monthly D/D for the history of the card basically, and last year I borrowed money from a relative to pay the card off and stop paying them anymore interest. Had I not been able to do that, the card would still be running and in around the same figure. My point to them is that when I inititated the claim, and had it not been dragged on for so long, going through FOS, the account would have been still open. I am also asking for compensation due to them rejecting my claim which

they knew the FOS would eventually uphold, as they had offered me over 2k about 18 months ago as a settlement amount, therefore in my eyes admitting mis- selling of PPI way back then! Plus nearly 4 years of paperwork, distress, worry, recorded delivery costs, phone calls, letters, ink, paper.....etc.!

Feel better after that phew!

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StatIntSheet%20v101(1) 2nd sheet.pdf

 

Ok, thats everything!

So, I don't have a clue what their figures mean or how they have got to them? Why are they using FSA guidlines and NOT FOS? Are they right? If they are, then what date are they calculating to, as its not clear to me:oops: If they are wrong, and I am right, please can you tell me how to explain to them that they are wrong?

I really need to get this sorted out, its starting to make me ill now:x

Thanks

Emmtay

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