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    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving. The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but  does it does not provide a defence. But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did. As I explained, after his birthday he did not hold a licence that could be revoked. In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive. The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
    • I'd recommend getting a new thread started about this. Let us help!
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      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.
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MCOL filed today!!


Don1
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Cheers Kazzy, ill be waiting for the postman!!!!! It seems to have gone on for ages now, hope its straight forward from now on!!!

 

Well Done by the way...Enjoy spending!!!

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try to refrain from rugby tackling your postie to the ground for your letters lol.

 

As for spending, aside from the donation to this site and a cheap get-away deal for my 30th birthday in january. taking hubby and kids to disney paris for 5 days(only £400 - even with the cold weather Im thinking "BARGAIN!!".

 

other than that though, Im sticking the rest in my savings account. Maybe boring I know but approaching the big 3 0 makes me think i should be acting a little more responsible with my dosh and never again letting snowball charges make me feel miserable about opening my statements lol. This money can prehaps make sure I never end up in this state again (i sincerely hope!)

 

dont quote me on it or anything tho....:D

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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DG have until saturday 28/10/06 to enter a defence or make a full offer. Do i win be default if they dont reply by then??:p

3rd August 2006 - Sent request for 6yrs statements

24th August 2006 - Received about 30 envelopes with last 6yr statements!!!

25th August 2006 - Sent Prelimary letter requesting refund - No Reply!

11th September 2006 - Sent LBA letter - No reply!!

25th September - Filed MCOL for £3521.03 plus £120 court fees

18th October 2006 - Letter from DG Solicitors asking for breakdown of costs

20th October 2006 - Sent breakdown

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yes you do.

:D

but the battle doesn't stop there.

They will ask for a stay, which they are likely to get.

The best course of action is not to shout a lot after you get judgement, let it lie for a couple of days and them ask for the payment via the court.

They will still try to get a stay, but now having a baliff on them things will be a lot better in your favour.

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:D Cheers for that

 

Just hoping that it doesnt go that far, feels like this has gone on for ages now..Not giving up though..They would have received the breakdown on monday 23/10/06..so hoping i get a reply by saturday........

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I'm finished.

I received an offer 3 days before the MCOL 28 days expired, offering full payment plus court costs.

It didn't include interest but as the amounts involved are relatively small I'm happy with the offer.

Interestingly I got the court AQ a day or two later telling me HSBC had entered a defence.

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Allocation Questionnaire received yesterday...Any suggestions as to whether i should hang out a little longer as it doesnt have to be returned until the 13th november?? Or if i should just send it back..I really dont want it to drag out much longer:confused:

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Hi Don1

 

Did you ever manage to get a email address for Julie Kyle or did you just post your breakdown as I have too had a request for the breakdown of charges and want to email them as don't have access to a fax machine.

Data Protection letter sent 15/08/06

 

All statments received 29/08/06 total £3950.50 2 accounts

 

Prelim approach sent 30/08/06 - for both accounts

 

LBA sent for both accounts 15/09/06

 

MCOL Filed for both accounts 05/10/06

 

MCOL Acknowledged 12/10/06

 

Letter Received req breakdown of charges 28/10/06

 

Letter Sent with breakdown of charges 28/10/06

 

Letter received with full offer on the 01/11/06

 

Sent letter back accepting offer and crossing confidential agreement out 01/11/06

:razz: :razz: :razz:

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  • 2 weeks later...

Just to keep you updated i now have until the 13th November to file AQ....No offer has been sent.. It seems this whole process is taking longer and longer.....

3rd August 2006 - Sent request for 6yrs statements

24th August 2006 - Received about 30 envelopes with last 6yr statements!!!

25th August 2006 - Sent Prelimary letter requesting refund - No Reply!

11th September 2006 - Sent LBA letter - No reply!!

25th September - Filed MCOL for £3521.03 plus £120 court fees

18th October 2006 - Letter from DG Solicitors asking for breakdown of costs

19th October 2006 - Sent breakdown

26th October 2006 - DG Filed defence

28th October 2006 - AQ received - have until 13th November to send back

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Left a message for Julie Kyle yesterday...Had a voice message this morning from somebody else at DG to say that a settlement offer should be with me by tomorrow..fingers crossed...will keep updated...3rd August 2006 - Sent request for 6yrs statements

24th August 2006 - Received about 30 envelopes with last 6yr statements!!!

25th August 2006 - Sent Prelimary letter requesting refund - No Reply!

11th September 2006 - Sent LBA letter - No reply!!

25th September - Filed MCOL for £3521.03 plus £120 court fees

18th October 2006 - Letter from DG Solicitors asking for breakdown of costs

19th October 2006 - Sent breakdown

26th October 2006 - DG Filed defence

28th October 2006 - AQ received - have until 13th November to send back

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*********WON**********WON**********

Just to let everyone know i finally got there!!!Received an offer this morning.. Cant say how much cause of confidentiality clause in it, but well worth pushing all the way..........Good luck everyone...

 

PS Plonker! All i said when i phoned was that i had had no confirmation that they had received breakdown of charges and could they con firm it had been received as over 2 weeks ago. Then had a phonecall back to say offer in the post

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:D Congratulations! I've been following your progress, hope mine works out too, again, well done.

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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