Jump to content


  • Tweets

  • Posts

    • 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? 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Willowb v rbs /erc*SETTLED *


Guest willowb
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6313 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest willowb
general interpretation of CPR & PP is that for allocation purposes, the value of your claim - minus interest - is used.

 

However, for the purposes of assessing the court fee, the full value - including interest - is taken.

 

Bill, you absolute star! what a priceless bit of information...thankyou!:D I love this site!!!

 

You are probably right about the 6 year thing going back a lot further than that 'cause I can't find a reference anywhere!!!:mad: ........it's probably from the Jurassic period hey!

 

I need to be sure so I'll pm Zoot........sorry Zoot, I've tried to work this out myself...really I have!:oops:

 

Wxxx

Link to post
Share on other sites

  • Replies 135
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

........it's probably from the Jurassic period hey!

I may be a silverback, but I ain't THAT old !!! :mad::D

I need to be sure so I'll pm Zoot........sorry Zoot, I've tried to work this out myself...really I have!:oops:

.....or Bookie ? - Dare we ? :o

Wxxx

:)

Link to post
Share on other sites

Guest willowb

Hi Bill:) You ain't old, it's silver not grey! remember?:rolleyes:

 

Bookie doesn't take PMs does she? I dare not!:eek: I pmed Zoot earlier but she's now gone off line so I don't want to be a nuisance:(

 

Found this though, care to have a look (it may be 7 not 6 years for banks?? although what about mortgages, they're regulated differently aren't they? i.e not CCA)

 

 

Telecommunications data retention - Wikipedia, the free encyclopedia

 

 

Wxxx

Link to post
Share on other sites

Guest willowb

Thanks Zoot, at least I know I'm not 'going mad' lol.....

 

Who's nattie? would he/she mind a pm from me?

 

Wxxx

Link to post
Share on other sites

Nattie formally known as Natweststaffmember!

 

Generally happy to oblige

Now masquerading as a piggie in a bowtie & DJ - popped in to "Messing about" a coupla times !! :D

 

That Wikipedia stuff all looks too recent, though, dunnit ?

Link to post
Share on other sites

Guest willowb

I think that the general opinion on this site, from what I've dug up is that there is no law that tells an organisation to hold data for a specific amount of time BUT it is expected of them to retain info for 6 years....

 

Glenn UK :p In previouse conversations with the Information Commissioners Office they have told me informally that their expectation is that a financial organisation would hold all your records until 6 years post account closure. This of course is not law, but it does give you an idea of why I think that abbey and others are playing games with words/facts.

 

So, the new ending to my letter........

 

We also refer to the concerns your client has regarding the deeds. We understand that it is current banking practice to hold financial data for a period of 6 years, though we will make the said documents available to your client should they require them. We have forwarded copies of the origional deed, the amended contract, a schedule of the charge and a copy of this letter to the Court.

 

 

what d'ya think?:-|

 

Wxxx

Link to post
Share on other sites

Just me being suspicious, Willow, but can they obtain a copy of the deeds which you sent the court ? That would enable them to avoid having to admit to you that they haven't got a copy. Can you be a little less specific as to what you are sending the court ? - and then maybe it won't dawn on them to ask the court !!

Or am I just being horrid ? !! :D

 

PS well done with your research - I shoulda known that bloke Glenn would have the answer !!! Pity it's not a law, but even breaching accepted protocol must still be an embarrassment for them !!

Link to post
Share on other sites

Guest willowb

Yes you are right aren't you, they can ask the Court can't they?

 

Right, I've got my head around it now (I go round in circles don't I but I get there in the end LOL:D ).

 

So, the end of the letter now reads.....

 

We also refer to the concerns your client has and I refer to the expressed 'embarrassment' :mad: regarding the deeds. We understand that it is current banking practice to hold financial data for a period of 6 years, therefore we expected your client to have retained a copy. If it is the case that your client does not hold a copy of the contract/deed then to put the claim on an 'equal footing' we will make the said documents available at your request.

 

Is that worded ok Bill?

 

Wxxx

Link to post
Share on other sites

Guest willowb

tried to click you, seems I need to spread it about a bit AGAIN!:p I'm too exhausted though........hot chocci and an early night for me!:cool:

Link to post
Share on other sites

Is that worded ok Bill?

Wxxx

One satisfied simian here (lights cigarette & visits loo) ;)

Sorry it exhausted you -

 

But was it OK for you, though, Willow ?

That's the important thing.

 

Ain't it just a pain when they won't let us click each other ?

Thank you anyway, dear heart, for the lovely intention !!

 

Maybe later, eh - when no-one's about :cool:

 

:)

Link to post
Share on other sites

Willow, I just spotted this thread. The Bank would not have made copies of the deeds to the house.They would have been stored is safe custody but released when the mortgage was over.

Link to post
Share on other sites

Guest willowb

Hi Nattie, in their defence they refer to a 'written agreement between the claimant and the defendant' (mortgage deed). I know that I've pmed you about this but can you clarify for me what it is they are after? I have copies of the contract and amendment to the contract but that's it as far as I can see. I remember at the time that we signed one copy and kept it and sent another copy away which was never returned!

 

I'm a little confused:confused: and very bothered about this now.....as I thought that I had it sewn up:( . Does this mean I should send them copies afterall?

 

Wxxx

Link to post
Share on other sites

Guest willowb

Definition of mortgage deed....

 

Mortgage Deed - this is the legal document that creates a charge over property. All borrowers must sign a mortgage deed and it is then submitted to the Land Registry who can then register a charge over the property in favour of the lender.

 

Firstly, why would they want that? and secondly if it's not in our records then what?

 

It's surely a copy of the contract that they're after isn't it?

 

Do you think that they themselves have it confused by stating...

'written agreement between the claimant and the defendant'

and then referring to the above as...

 

Mortgage deed

 

:|

 

Wxxx

Link to post
Share on other sites

Guest willowb

I wish I did hold the deeds wouldn't that mean that I owned the whole f**** house?

 

You can catch my show....... losingit.com.........followed by.....don'tevengothere.com.......you know you want to!...lol I bet you clicked!:p

 

I'm sure they have made an error in their wording of the defence, what do you think? I could milk this if I were certain!

 

A very frazzled Wxxx

Link to post
Share on other sites

I wish I did hold the deeds wouldn't that mean that I owned the whole f**** house?

Yeah, but keep dreamin' gal - AlanFromDerby got his !! :D

 

You can catch my show....... losingit.com

I got this. Are you really not the slender little wisp that we all thought you were, then, our Willow ? :p

Losing It

 

.........followed by.....don'tevengothere.com

I got this - it's a swipe card with a difference !!:eek:

dontevengothere

 

.......you know you want to!...lol I bet you clicked!:p

I did - and I bet you wish you hadn't suggested it, now !!:D

 

I'm sure they have made an error in their wording of the defence, what do you think? I could milk this if I were certain!

I think it's worth a polite request for clarification, and let's see if they embarrass themselves further !!

A very frazzled Wxxx

 

:)

Link to post
Share on other sites

Guest willowb

Thanks for that Bill, you cheered me up hun!:D .....which is usually near impossible to do at this time of the month:x :-x:|:( arrrrrrg.

 

Right so, I do believe that Cobbetts have indeed worded their defence wrongly so this is the final end to my letter..........

 

We also refer to the concerns your client has and we also refer to the expressed 'embarrassment' :evil: regarding the mortgage 'deeds'.

 

We would like clarification as to what your client is referring to as the mortgage 'deeds', as the 'deeds' to the property are now with our current mortgage lender and therefore are unobtainable.

 

.Mortgage Deed - this is the legal document that creates a charge over property. All borrowers must sign a mortgage deed and it is then submitted to the Land Registry who can then register a charge over the property in favour of the lender.[end quote] .

 

If what your client is referring to is the original 'mortgage contract' then we understand that it is current banking practice to hold financial data for a period of 6 years, therefore we expected your client to have retained a copy. If it is the case that your client does not hold a copy of the contracts then to put the claim on an 'equal footing' we will make the said documents available at your request.

 

wxxx

Link to post
Share on other sites

Yes, well done, Willow - that ought to do it. Well done, too, for sorting out all the why's & wherefore's as regards deeds/contracts/etc.

 

Particularly so, also, considering your lunar cycle !! Thank you for tolerating my presence during the past few days !! :)

 

I'll try and keep out of your way for a bit !!!

 

Bill.

 

XXX

Link to post
Share on other sites

Guest willowb
Thank you for tolerating my presence during the past few days !! :-)

Thanks for helping me be assertive and 'steering' me straight for the juggular!;)

 

Well, that's me for now....AQ and letter sent:o .....cup of tea and 2 co-codamol later, I'm a little less stressed :-| ..thanks for all your help.

 

Wxxx

Link to post
Share on other sites

Guest willowb

I've been doing alot of reading today and I have a question, well, a couple really....

Quote Bona (didn't want to hijack MFs thread with this so I hope you don't mind me quoting you here...)

Most Mortgage deeds include a clause that you have to pay any reasonable cost in connection with your mortgage the word reasonable is the key you need to look at what your terms and conditions say.

So, this is the indemnity clause right? and it basically gives the mortgage companies the right to claim for costs even if the claim is small-claim and not fast or multi-track? Well, I can't see anything to do with this in my mortgage contract but I can't think that I'm that lucky! Could someone look at the contracts for me?

 

Indemnity aside, if the claim remains in 'small track' although I don't know why they haven't pushed for fast-track, it is pushing the £5k mark. They can still counter-claim for costs can't they? at what stage is this not allowed? can they counter-claim at any time they want? Or does it have to be before AQ etc.

 

 

Wxxx

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...