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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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Daughter's Black Horse loan


1bill32
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Hi Bill,

 

Get them to confirm the acceptance in writing.

 

I don't think they should be adding any interest or fees to the account, now that it's in default.

 

That's just MY opinion - anyone else care to comment.

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i think u r correct...should i ask them to set aside the court charges as we would have offered them the 40 if they had have asked....i am sure a judge would uphold the 40 - (no interest and no coutrt fees/sol fees..what do u think

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Wait until you have confirmation of their acceptance of your offer, so you can see the precise terms.

 

If they haven't written within 7 days, write to them setting out your offer and confirm you want their written acceptance with no interest or charges being added to the debt.

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the item back from the court is as follow

Judgement for Cliamant(acceptance)the the defendant

you have made a offer of payment which the cliamant has accepted.

it is therefore ordered that you must pay the cliamant 9,071.77 for debt(and interest to dat of judgement) and £345-00 for costs

you must pay the claimant a total of 9.416.77 by instalments of £40-00 a month the first payment to reach the claimant by 10/09/10 and on or before this date each month untill the debt has been paid

DATED 11/08/10

 

do i take it that this meens the interest is frozen or should i call and ask?

 

bill

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Hi Bill,

 

From what you say the court has written, you can assume the interest will be frozen as the debt is confirmed in the figures shown above.

 

This confirms the claimant has been successful in getting the CCJ against YD and she is responsible for their costs of £345, which is included in the total owed.

 

Keep up the repayments and this should cause you all no further problems for now.

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  • 2 weeks later...

Hi Bill,

 

With the pressure removed from your situation, you can wait now for prices to pick up again hopefully.

 

:)

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as a side note

 

most BH loans have some for of GAP/or PPI

have you checked this?

also

don't forget if they have levied any unlawful charges [last payment/missed payment/phone call/letter

you can claim all those back too!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

removed?

 

they can all be reclaimed to your pocket!!

 

if in doubt post the name of what they are calling it.

 

have a quick search for black horse in our advance search

you'll soon get the idea

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so let me try and get this correct in my mind, if the court have made a judgement against us and we are paying the loan back at a reduced rate we can still claim back the charges they have put on the agreement??

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you said you had no ccj????

 

 

anyhow

makes no diff WHAT state the loan is in

 

CCJ, Sb'ed, paid-off , forgotten

 

you can ALWAYS claim back charges [levied eithin the last 6 years]

 

any ANY insurance you paid [that has NO time limit]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as it says in this thread it is my daughters loan and she has had to make a offer of 40 a month and this was acepted....the ppi and gap insurance that was taken out i have reclaimed all that for her and the dealership that set it up admited she was miss sold.

blackhorse had taken out the court thing against her and she had already sent off the offer b4 i knew so i couldent stop it..the court has wrote back to her saying the judgement is against her and that blackhorse have accepted this 40 a month offer,,,,where will this leave her regarding claiming about charges?

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concerntrate dx concerntrate

 

makes no diff

she can still reclaim the charges.

 

now this PPI/gap.

 

BH are renound for short changing people.

did you get everything back and the 8% stat int for what she has paid on the PPI till now

and the rest of the 'total cash sum for PPI' [not yey paid] taken off the outstanding balance?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry for all the questions

i'm just making sure you got your just dues.

 

were you charged interest on the PPI/GAP?

if so you got that back too?

you should have done.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and just one more thing.....

 

you say you had unlawful charges levied on the loan

was a DN issued before it went to court & did this inc charges to that point in its stated arrears figure?

 

if so, that makes it invalid and you can get this CCJ set aside.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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for it to go to court

it must have gone through a set process

 

warnings

default notice

termination

court

CCJ

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

as post 43?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the reason i only chased the ppi and gap is that stratstones who sold the car admited that they had set it uo and paid out within 1 week,

should we g back to them for the insurance and other things.

with blackhorse there was no ppi or gap on there loans,,how do i get there charges back?

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charges and ppi are the same process

hit them with 8% stat int from the date they charged it or the [each] monthly ppi paid date to the date of your claim

 

this DN

did the arrears figure inc charges?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so although stratstones have paid us back in full would u ask them for the 8%. also u mention DN what is this, and how can i get the charges black horse have put on the loan(do in need to find out all the charges and write and ask them, and even if they did pay them back would they not just say that they would knock it of the loan? how do i get the cash back in my hand?

 

thanks

bill

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