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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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    • Hello,

      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mortgage, CreditAgricole ,BirminghamMidshires, Halifa x, HBOS, CurtisSolicitors


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Ah, thanks, I see now.

 

Well, I regard the CML like the BBA, just a club for its members.

 

I have made an S.A.R - (Subject Access Request) to the Council of Mortgage Lenders in the past and received nothing, and they don't appear to have any watchdog or ombudsman except the Information Commissioners Office??

 

This is from their website

 

Who can join

 

Full membership of the CML is open to lender organisations that are authorised and regulated by the Financial Services Authority.The CML also welcomes applications for associate membership, which is open to organisations that have an interest in the mortgage market but who do not actually lend money themselves. Our associates come from a variety of industries - lawyers, conveyancing firms, management consultants, technology companies, etc. Associates receive to all intents and purposes the same information, services and benefits as our members.

 

So, whilst the CML appears not to be regulated, its members are.

 

Els

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Who can join ... The CML also welcomes applications for associate membership, which is open to organisations that have an interest in the mortgage market but who do not actually lend money themselves.
Perhaps CAG should join on this basis ;)

 

 

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  • 1 month later...

Tide have just found this thread and got upto speed with it. The money lending "elite" are not going to like this one, guess that why they have 10 lawyers against you. Better for them to spend money on lawyers to stop you than this one become in the public domain if you win. ;) Good luck, & take em down a peg

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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Hi Tide,

 

Did you ever get the proof of underselling that you were looking for....I can point you in the direction of a couple of property price index sites - also - take a look on your Borrowers account report and see what they have listed on the last report prior to reposession with regard to the "Current indexed value" of your property....this is the basis that I am starting from with my mates house that was reposessed and undersold....

 

In my mates case there was also a mig, but I don't believe that it was a mig for the mortgage payments as according to the solicitors the mig paid out exactly what the additional fees were over and above the capital...

 

I also have a couple of other links to MIG stuff and statute of limitation amendments - pm me if you would like me to send you the links.

 

Cheers and keep your chin up....if its worth having its worth fighting for....

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Hi MTT

 

I didn't post on here because they are already posted on my own thread, and I know how the moderators hate cross posting...

 

Regards,

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Hi jody (and MTM)

 

You are both right - it would be good to have the info readily available to interested readers of this thread but not necessarily a good idea to post the same stuff in more than one place. All you need is a link - http://www.consumeractiongroup.co.uk/forum/mortgage-companies/126932-mortgage-indemnity-guarantee-statue.html

 

 

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Tide Turner,

 

To you and others on this thread who have given inspiration to the rest of us - thank you. This thread is like a really good book once I started reading I could not stop, but all the way through I could not wait to get to the conclusion to see if the good guys won! But it seems the pentultimate chapter has not been written yet - so I will be a very intrested observer of your thread. I really like the way you get stronger in each post you put up.

 

Wee question have you ever S.A.R - (Subject Access Request) all the solicitors involved in the sale of the property?

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  • 2 months later...

Tide,

 

Any chance on an update to your thread?

 

Regards,

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Tide,

 

Any chance on an update to your thread?

 

Regards,

 

Jody

 

I think there's been a few of us waiting and chewing our nails wondering the same, especially as our Tide has been wandering about the threads of late..Tide? ;)

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Apologies Guys,

 

Without giving my position away, the Judge ordered that he would not allow me to continue unless I appointed a Solicitor and Counsel. I've done so at great expense, and the Points of Law have been clarified.

 

With respect to the MIG, Halifax claimed on this and off-set it against the mortgage balance. The Judge has ruled that I have had the benefit of this and dismissed that part of my claim. He stated this could be appealed, and I may do so following the outcome of the other parts of my claim.

 

Originally, my claim was in 8 parts. The Loss on Sale has been completely seperated from the rest, and I have been granted leave to bring a completely seperate action.

 

Counsel has confirmed two points.

 

1. There was no monetary judgement obtained at the time of possession, and therefor I cannot be pursued for any shortfall unless they bring a seperate action. The o/s have given up the ghost on this and have told the Court that they will not pursue any shortfall. Part of the deal was that I could not pursue the charges made against the mortgage account. I have been granted leave to appeal this if I want to. I will do so following a seperate action for the shortfall on sale.

 

2. Halifax did not obtain TITLE to any of my goods or chattels following possession and must therefore return them, or compensate me for the loss. Don't know how they're going to return my family photos and other personal effects though, unless they've put them in storage!!!! As I was resident for 11 years and was unable to remove them in the 1 hour allowed, the costs of the items taken are considerable. I have been forced to detail every single item in the house and place a cost on it. We are now negotiating for settlement. They are arguing whether a kitchen / bathroom suite / fitted wardrobes are possessions or fixtures.

 

Yes, they did send a gang of Lawyers to Court (3 plus Counsel, plus some plankton from the Bank) and are attempting to claim a massive bill to off-set my claim. When questioned, it was pointed out that when Counsel is appointed, there is no reason for additional Solicitors to be present in Court. The cost of those Lawyers will not be met, the bill is subject to detailed assessment, and the o/s have stated that their bill was only a draft and I expect it to be reduced considerably.

 

I'm now pushing my Legal team to get it back into Court, but they are dragging their heels.

 

Feeling positive, but have concerns about their falling share price. Will I have anybody to sue next week??

 

Anxious to get into Court for round 3 asap.

 

I've kept a couple of Aces up my sleeve, which I'll post when it's over.

 

Defence exhausted, Tide on the attack.

 

Tide

 

BTW - I haven't even started with you yet S******

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Hi tide thanks for the update

 

I have still been watching with interest.

 

jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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