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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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itrends (Dave) vs Nationwide


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Ah well, will see about account closures. Looks like they will both go as just got amystery deposit of £100 into the second account which I was NOT claiming on. lol

 

Ho hum, will wait for the rest in the other account :)

 

Dave

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Ok, it wasnt 100... but so far

 

yesterday .. correction of £90

today... cash deposit of £140

 

This is still some way off the £700 plus that is being claimed.

 

You think it will arrive later today? Tomorrow, or is it time to fight more?

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Came home to find a letter from Nationwide.

 

"we have refunded £90 and credited £80 and dont think we should give you any more etc"

 

What step do I take now? Just let the court claim proceed with MCOL? DO I go and ask for judgement of some form? Send a letter?

 

Any advice much appreciated.

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Just checked money claim online, says that nationwide have filed a defence and i will be told which court this is at shortly.

 

What do i do now? They have paid only a small part of what they owe and now filed a defence. Getting a little worried :(

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Just wait... Nationwide will have now have 28 days to reply to the court. Send them a letter thanking them for the partial payment but let them know you will be pursuing them for the rest of the money. Point them in them in the direction of your particulars of claim as to how you have arrived at the money the owe you.

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Got a letter today from northampton county court. Nationwide say they have paid £170 and that is all they should pay.

 

This is not the case as they owe well over £600 still.

 

Anyone happen to have some advice or a link to advice on how to use the form? What parts do I send back and how do I reply to say that they are essentially fibbing?

 

I find the form to be quite confusing and it says it has a time period so any help asap is far more than welcomed :)

 

Dave

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I'm not at all qualified to help you at this stage - maybe PM a mod - or start a new thread in the general section with a link to this thread you maybe able to gain more advice

In the meantime however - take a look at

The defendant disputes all or part of my claim

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Is this a tactic that they Nationwide have started to employ? I believe they are substantially short on my claim, requested info on where they believe I have had previous refunds and they have put a penny into my account by correction! I think it is nearer £1000 I'm due! Just wonder if this is something they are doing consciously as another hoop for us to jump through.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I received a copy of their defence yesterday with an allocation questionnaire I'll post all the details in my thread when I get a minute

They have paid all the charges, plus the court fee plus 8% S.69 interest - they dispute paying my costs of £10 SAR fee plus £4 in postage and they dispute paying any contractual interest - right NW - let battle commence!!!

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Well I posted back the form the other week saying that I will proceed with the claim as they are being stupid! :)

 

I assume I will get an allocation questionaire some time this week. sigh. And there I was hoping I would have the cash for xmas. They have already said they are going to close my accounts in about 2 weeks. Time to move bank.

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Dont have the paper work with me at the moment. Essentially they paid back the MCOL fees and 2 direct debit fees and said that was all they felt they owed. What they actually owe is around £700 so i sent the form back and a copy to Charles saying that I will proceed with the claim for the full amount.

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If they are defending the claim they should have filed a defence - ring the court and ask them for a copy of this. Alternatively, you could ring NW anhd ask them to send you a copy in the post. You are entitled to see this. If your defence is the same as mine, relax its full of holes and actually contradict itself.

Get hold of a copy of the defence and post it up - or pm me with it

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Ok, been several days now. I have the form filled in but do not have any clue what to put in the "other information" box.

 

I have search these forums daily and can only find something that isnt quite related.

 

I have a few days left to get it back to them.

 

Is anyone able to help? I really don't want to fall down at the last hurdle over such a stupid thing :(

 

Dave

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  • 2 weeks later...

Ok. Allocation Questionnaire was sent back to the court a week or two ago. Not heard anything yet.

 

Emptied my accounts weeks ago.

 

Got a letter yesterday from Nationwide saying they have no closed the account and attached a cheque for 11p! I guess this must be outstanding interest?

 

Anywho, they have only closed one of my flex accounts, not the other one I am claiming on. Also, they have left my savings account open.

 

I am a little worried that although i have been claiming for both accounts, they have been ignoring one and will then play dumb in the coming weeks?

 

I have sent repeated copies of the charges sheet and letters to court and nationwide that clearly state both account numbers in bold together so there is no missing it. Thus far I have had no offer of settlement, no part payments on this remaining account etc though i got my lesser charges back from the second account which is now closed.

 

Any advice from anyone in the know or with similar experience would be very much appreciated.

 

Dave

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  • 1 month later...

Just had my court order through the post...

 

Estimated the hearing will take 10 mins

Parties encourages to settle by negotiation etc etc

 

Following Directions for Claim:

Disclousure of documents as follows..

 

Both parties shall give to each other standard disclousure by list

Any request for a copy shall be complied with

 

The original documents must be brought to the hearing

 

The judge may refuse documents etc

 

The documents to be sent to the parties and the court must include the statements of all witnesses

 

Witness statements must start with the name of the case and claim number, state the full name and address of witness, set out the witnesses evidence clearly in numbered paragraphs, end with the paragraph "I believe that the facts stated in this witness statement are true" and must be signed by the witness.

 

Because this order has been made by the court without considering representations from the parties, the parties have the right to apply to have the order set aside, caried, or stayed. A party wishing to make an application must send or deliver the application to the court (together with any fees) to arrive within seven days of service of this order.

 

----

 

The rest is pages of info on the small claims track.

 

Hope someone can help me with what to do next :)

 

Dave

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