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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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HSBC and CardGuard


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We have written to HSBC regarding a CardGuard policy that we believe was missold. The policy started in 1999 and was cancelled in 2009.

 

HSBC have written back and said they are "unable to provide you with any info. in relation to this product" and that we need to write to "Card Protection Plan Limited".

 

The letter then offers info. regarding our account if we complete an attached form and enclose the appropriate fee. No form was attached!

 

Have any other CAG'ers had experience of this regarding CardGuard and HSBC?

 

At the moment our next course of action is SAR.

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I have heard about a similar product and believe that you can reclaim I will flag your query for others who might know more about this.

 

Yes, a Subject Access Request is always a good move - the bank has 40 calendar days to comply and it will cost you £10.00.

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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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Thanks guys, HSBC have given CPP's address as Holgate Park, Holgate Road, YORK, YO26 4GA, but it appears they are claiming that they have nothing to do with the policy, despite the very obvious point that they sold it to the cardholder!

 

Is there any reason not to continue with the SAR to HSBC and instead focus on CPP?

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yes i think CPP is your target.

 

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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  • 3 weeks later...

Hi,

 

I'm in a pretty similar situation; I was told in 2001 that if I wanted a credit card then I must take out cardguard, and i had the policy until 2009.

 

HSBC have just rebuffed my complaint saying that 'as i understand it you were unaware you had the policy.

We can't support your complaint due the fact you had a 14 day cooling off period, have had annual renewal notices' etc.

 

I had said in my original correspondence that I was fully aware I had the policy as it was forced upon me.

 

I'll be writing my reply saying this and will also be completing a SAR as well as probably going to the ombudsman

as they clearly haven't taken the time to correctly read my original complaint.

 

If it helps, I originally completed the PPI forms on their website and sent it off to the PPI complaints team

who have forwarded it to another department.

 

You could try doing that if you havent already done so?

 

HTH

 

chuck

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under FSA rules that is not correct

they cant just buff you off on 'mere speculation'

 

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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