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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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MBNA/Reston threating court action


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CB suggested this on the last page and I think it'll do fine:-

 

Its is respectfully requested this case be allocated to the small claims track. It is a straight forward case and is easily resolved on production of the required documentation by the claimant, should the claimant not have the documentation required to progress this case I suggest that there will be no case to answer

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Please comment if the following is enforceable othet than legiblity issue:

 

The first page of the aplication form:

 

MBNA Application form-1st page picture by jason_mnm - Photobucket

 

The reverse side of the application form

 

MBNA Application form-reverse side picture by jason_mnm - Photobucket

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Credit Limit or manner in which it will be determind is there

 

Term stating how the debtor may discharge his obligations by making payments is there

 

term stating the rate of any interest is there

 

 

Therefore the prescribed terms are there and unless you can put forward a positive assertion that shows the front is not the same document as the back ( see Carey v HSBC) then you will not have a hope in hell of arguing this document is unenforceable

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They "should" bring the true copy to court with them but in my case they didn't & no matter what I said on the day to see the orig document it was down to the judge lottery (family one) & he favoured Restons even when there was a faulty DN in with it all too.

 

....if you havent got a copy of the orig yourself then have you not got your initial statements to see what interest was on them at the start of the acct opening (were these provided to you in your SAR request)

 

As I can't read the docs posted up due to them being quite faint if the T & C have £12.00 charges on them, then I dont think they were applicable until May 2006 so that in itself could prove the T & C could not have been on the reverse of your document. Just a thought??

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As expected Restons denied settlement and applied for summary judgement. What should I do now?How can I avoid summary judgement and get full hearing instead?

 

But fact is even if they get the judgement in their favour (which I hope not) they will not get nothing from judgement after looking at my income and expenditure summary prepared by CCCS. It also agreed by most of the lenders even by Tomlin order. In fact they might get nothing for ages or peanut from Judge compare to what I offered them.

 

The house is already under a Tomlin order who owns more than the euqity of the house.

 

Anyway plz tell me how can I avoid summary judgement hearing and get a full hearing instead?

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I assume you mean Restons turned down your settlement offer and have said they intend to seek SJ against you.

 

You should be able to avoid this because they have, so far, failed to to make a proper claim against you - ie it is not adequately particularised.

 

Have Restons shown no interest in reaching settlement outside of court and have they not suggested a figure they'd be willing to consider or accept.

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What is the difference between Tomlin order and Consent order.

 

What happens if the consent order is signed by Litigant in person?

A consent order is an agreement between both parties that is drawn up and signed by both parties, its then sent into court and if the judge agrees becomes binding on both parties...

Usually its confidential and yes sometimes its called a tomlin order. There is normally a caveat in the agreement that states either side can apply to court if the terms are not kept to.

Shadow done one with Crapone and found it fine. It needs to be read properly and you need to make sure you are both agreeing to the same thing, i.e. it has to be explicitly stated for it to be bound to. Could they alter the monthly amount without your consent No, not without your agreement, hence the consent bit.

 

A Consent Order if drafted in the form of a Tomlin Order acts as a stay on the proceedings and should contain words specifically stating that the action is STAYED on terms. If it is a Tomlin Order it should contain a provision giving liberty for either party to apply which means basically that any party can ask for the stay to be lifted and the matter to be brought back to court for determination at trial in the event of e.g default in making payment.

Had all this copied from the forum ages ago for knowledge which I hope helps explain it for you too.

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Could they alter the monthly amount without your consent No, not without your agreement, hence the consent bit.

Can u explain the above plz? U mean they can change the monthy amount without my consent?

 

Thanks to both of u. Also Can Litigant in person sign the Consent order? and also can consent order have schedules?

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You would consent to an order that you pay £xxx per month. The order cannot be changed without your agreement (consent).

 

:)

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A Consent Order if drafted in the form of a Tomlin Order acts as a stay on the proceedings and should contain words specifically stating that the action is STAYED on terms.

 

Now can u plz tell being Litigant in person can I sign the above kind of Consent order?

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A Consent Order if drafted in the form of a Tomlin Order acts as a stay on the proceedings and should contain words specifically stating that the action is STAYED on terms.

 

Now can u plz tell being Litigant in person can I sign the above kind of Consent order?

 

Hi Jason have you pm'd the shadow, as mentioned he'd done one so he may be able to advise you more on this?

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Hi Annabella,

 

Defending above or below £5K should not affect how complicated or difficult it is. Being well prepared and understanding what you are doing, regardless of the amount you are defending against, is the key to success.

 

However, the cost implications of losing a claim over £5K which is allocated to the Fast Track or Multi Track could be significant if you lose and costs are made against you.

 

The small claims track in civil courts (Leaflet EX306)

The fast track and the multi track (Leaflet EX305)

 

Sorry, Jason, for the hijack. :cool:

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Hi Westie whom should I Pm?

 

Jason, I have pm'd the_shadow to pop on by to assist you on your consent/tomlin queries in more detail. Maybe his experience of one will help you further on this. MDAW

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Just seen the PM, if the consent order is open ended then imvho a judge shouldnt allow it as it favours one side over the LiP too much.

 

I cant seem to find the order to look at but if its as described and states they can increase the amount "in the future" then basically you would be signing up to agree to pay whatever they tell you when they tell you otherwise they could bring you back to court for the case to continue.

 

I would suggest you write back and state that as the tomlin/consent order is open ended you cannot commit to anything that puts you in a worse state than you are at present. Again re-iterate any offer you have given previously but state that this is the only viable solution and you would urge them to re-draft the tomlin/consent order in line with your suggestion.

 

HTH

 

S.

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