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    • 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 apnea. 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 couldnt drive- but 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 apnea (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 comitting 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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
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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.
      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Rob14973 V Mbna **WON**


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Hi rob

 

Can you start a thread in the MBNA forum and use this for updates and questions as this is the welcome forum and for first post.

 

Good luck with the SAR and let us know how you get on :)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

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  • 2 weeks later...

Hi

 

Quick update

 

Response from Mbna this morning saying my complaint is been looked into and should recieve a full response by November the 1st.

 

Thnks Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Hi

 

Received last six years statements this morning plus a letter offering me £500 as a goodwill payment and a final settlement of the complaint.

 

Ok im going to do my prelim letter now accepting the payment as a partial payment only.

 

Can someone tell me what the compund rate of interest would be so i can send this on top of my charges.

 

Thanks

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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hI

 

Sorry for sounding thick but i have been offered a partial payment by mbna. I am now going to send a prelim request for my charges and contractual interest and also compound interest.

 

Questions

 

Will the contractual interest on my card be 16.9%. If not how do i find this out.(i have a list of charges for six years but only statements for last two years)

 

Once i know the contractual rate do i just add the percent onto the total charges?

 

When i working out the percentage for my compound interest do i multiply my monthly cash rate of 1,7366 by 12 = 20.8%

 

If this is correct

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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HI

 

Sorry for sounding thick but i have been offered a partial payment by MBNA. I am now going to send a prelim request for my charges and contractual interest and also compound interest.

 

Questions

 

Will the contractual interest on my card be 16.9%. If not how do i find this out.(i have a list of charges for six years but only statements for last two years) Go to MBNA website and look for the kind of card you have. There is a facility to look at the rates for each account, so you can compare them.

You will probably find the normal rate is 16.9% or thereabouts.

 

Once i know the contractual rate do i just add the percent onto the total charges?

 

No, see comments below.

 

When i working out the percentage for my compound interest do i multiply my monthly cash rate of 1,7366 by 12 = 20.8%

 

No, see comments below.

 

If this is correct

 

When you know the charges then you need to work out the interest you paid on each charge from the date they imposed it until now.

 

This is pretty difficult to work out, although i believe if you have the time then the spreadsheets provided by Vampiress specifically for CC will estimate this for you.

 

Alternatively to can apply the using compound interest using one of the spreadsheets provided by MINDZAI or VAMPIRESs ()both can be found via links in the providers signature).

 

Once you have these two values this essentially tells you what you have paid out as a result of charges (the interest part is approximated and will probably underestimate it) you can then calculate the interest you want to charge them.

 

i based my calculations for interest to charge MBNA on their cash advance rate as being the most logical when compared with their unlawful removal of money from my account.

 

With respect to compounding interest you take the initial amount or stake and calculate interest on it which gives you a new stake.

 

In the next period you take the new stake and calculate the interest on it again to give a third stake, and so on.

 

The frequency you apply the interest varies but I understand is typically daily.

 

The spreadsheets provided for this propose work it all out for you and give the daily interest rate.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Cheers glen

 

On vampiress spreadsheet it says not for credit cards?

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Hi

 

Im just filling mainzai speadsheet do i add the retail and cash advance interest together?

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Cheers glen

 

On vampiress spreadsheet it says not for credit cards?

 

Rob

 

I know, iv asked her about that and I am awaiting a repsonse.

 

I used MINDZAIS spreadsheet which says something similar.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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HI

 

Glen do i add both cash intrest and retail intrest together for interest charged?

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Rob

 

I doubt you shold add the cash advance interest since you are trying to claim back the interest you paid on the charges which would probably be invcluded in the retail rates as they dont charge a higher rate for that imposed on charges.

 

The cash advance interest is that paid when you took moeny out in cash and so is a seperate item.

 

vampiress is looking at this issue so perhaps it might be owrthwhile holding off for a bit until she comments or MINDZAI comes back to us.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi

 

Well i have used mainzai spreadsheet to calculate the monthly interest on my charges and its double the claim does this sound right?.

 

I phones up Mbna to find out what my APR was on my card 24.9% so used this for the spreadsheet.

 

Also is this ok for my calculations paragraph in my prelim? Or do i have to explain where the intrest came from like add compounded into wording.

 

I calculate between dates and dates you have taken xxxx plus xxxx which I have charged you in interest for the sum which u have taken. Total xxxxx

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Rob

 

If you look in my thread for Glenn vs Abbey i think i have posted pretty much everything i have sent to them.

 

I cant remember the wording but you will probably find something useful there.

 

I don't think you need to explain it beyond saying you are applying the contractual rate.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Quick update

 

Mbna have responded to my prelim letter by sending me out all 6 years worth of statements again :lol: (think they have lost the plot) I phoned them up today and they have apologised for the mistake and would be sending me a second settlement figure in the next few days.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Ok as promised by mbna have made a second offer, another £400 on top of the first offer of £410 which has been accepted as partial payment.

 

After reading some of the posts on mnba threads this is quite unusual as they normally settle at this stage. So i gave them a phone call this morning to be told they have made a mistake and should have settled rather than send me a second offer.

 

I have been told to send out my lba so i can claim for the rest plus contractual interest at the highest rate of the card.(which i included in the prelim stage anyway).

 

Should i be claiming for anything else before i send of my lba? Im sure i have missed some more interest on top this mmmm

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Hi Rob

 

Have read your thread with interest as we are at the exact same stage. Have sent out LBA letters and just received letter from Rachel Claridge making us a further offer but not the full amount or any interest. Just wondering what you are going to do next becase we are in the same position - any ideas.

 

Bunnykins321

Laura Ashley - Prelim Letter Settled in Full £100

Tesco (RBS) - LBA - offered £64 - still owe me £136.19 - second LBA letter sent 12 Nov 2006

Mint (RBS) - LBA - offered £54.23 - still owe me £70 second LBA letter sent 14 Nov 2006

LLoyds Gold - Moneyclaimol 12 Nov 2006

LLoyds Plat - Moneyclaimol 12 Nov 2006

Lloyds Classic - LBA letter sent 12 Nov 2006 for £2,593

Lloyds Classic - LBA letter sent 12 Nov 2006 for £508.65

MBNA (2 accounts) - Two goodwill payments received so far totalling approx £700 - just going in for the final kill!

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Well im sending my Lba on Monday claiming back the remaining charges still owed and the contractual interest on the whole amount.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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