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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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    • 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.

      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.
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      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
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Can Lloyds Staff Claim Back Charges? **WON**


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I agree, certainly a very good point!

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Recieved a letter from Lloyds TSB recovery centre saying they were sorry I was still unhappy with them and that they couldn't do anymore. They also stated that The case was now being handled by their solicitors and I would hear from them shortly.

As I recieved no AQ I phoned the court for some info on this and they basically said that a new rule has been created regarding claims against banks whereby an AQ isnt issued and it is down to the county courts to decide if one is needed. At the minute Mine is being processed by the district judge and I should be hearingfrom them this week.

So today I sent in my request for draft directions using the new strategy and will wait for the response to that.

 

TezViper

 

PS Still no sign of my GOGW which was promised 43 days ago and counting.

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Hi tezviper, what an interesting time you have had, have no experience at all with Lloyds, funny how different Banks react differently. It does seem unbelieveable that your gogw was never paid into your bank, it just goes to show you really cannot trust them. I reckon now that you have filed court action they are going to make you wait for your money. As for AQs, I am currently also doing a claim for my brother with Abbey and this seem to be the case in that forum that the courts are fed up with the Banks, knowing full well that they are settling in full before stepping into a courtroom, finally they have cottoned on to the fact that the Banks are abusing the courts time. I would still pursue the gogw though, make life miserable for them with more paperwork.

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Haha, dont you worry mate, I dont give up easily. I will keep on at them. It just annoys me that they told me they were going to do it and then never did.

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

Just recieved letter from Lloyds stating that I am required NOT to show letter to anyone or reproduce it in anyway and cannot be produced in court!!!

Can They do this????

 

And also can I reveal the good news that the letter contains?

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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If you are not going to accept confidentiality, then tell :) :)

 

I take it they have offered you a settlement?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Maybe!!!! Think I am sworn to secrecy, LOL.

No timescale with letter though on when money will be paid upon accepting their terms.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Share on other sites

Don't accept those conditions....especially not the one about remaining within your limit.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Am closing the account anyway me dear so am not too fussed about these conditions. I just want the cash!!!

Got my sofa by the way, Just need the TV now.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Well then go for it - and enjoy it :)

 

I like my new TV, by the way - 37" LCD - £499 :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Yea thanks mate. I just know that they keep an eye on this site and as I dont fully understand the legality of this letter and wether or not I have to stay silent about it, I dont want to risk it unless someone can advise me. I am sure I am free to talk about it tho but will give details of letter from SC & M once I get advice from one our experts.

 

Dolly is that the one from WoolWorths????

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

 

Dolly is that the one from WoolWorths????

 

TezViper

 

Noooooooo...we had that and had so many problems we took it back...out of sync with Sky, picture jumping all over the place.

 

This is the one we got - love it but it is not compatible with sky remotes, so you have to use two.

 

Intekx

 

Next day delivery as well - and they do the 32" for cheaper.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Sent off acceptance form yesterday, Has anyone been in this position with LLoyds yet and if so how long do they take to pay this kind of thing??

 

Much appreciated.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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Congratulations!!!:-D :-D

I think it took about 3 days in my case to pay out.

Don't forget to let the Courts know when they have settled, there is a letter in this link if you need it:

http://www.consumeractiongroup.co.uk/forum/post-487345.html

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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So you recieved payout within 3 days of sending acceptance form mate??

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

Ok thanks for the info, will wait and see what hapens for now. I wont discontinue claim until payment is recieved.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

Now Im getting annoyed, phoned SC&M today to make sure they had recieved our acceptance of settlement form, only for them to tell us that there is no way of checking for this so we have to give it 3 weeks or so and if money hasnt been paid then give them another call????

How ridiculous is this if they cant find out now then what exactly will they be able to do differently in the next few weeks??????????

 

Good job I havent discontinued the claim, got letter from court stating that there will be a pre hearing on May 21st at my local court to decide wether or not will be used as a test case ETC!!

 

What I would like to know is wether or not I can withdraw my letter of acceptance as I am now at the point where I want them to stand in court and defend this???

 

Any views, can I do this or is it a case of them offering full settlement and me therefore having to accept it when they offer??

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

I have a feeling as they have offered full settlement you will have to go along with it but someone else I am sure will know for sure. Have you tried ringing the court for some advice.

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No mate, to be honest Im not sure the will be any help given my recent conversations with them during my Cap One claim.

Am hoping someone can advise. Maybe Im just being hotheaded right now but its just such a joke.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

If they have offered the full sum in settlement unconditionally then you must accept and there is nothing to go to trial.

 

Of course if they have not paid you then by the time of hearing then you must turn up.

 

As you have done, do not discontinue until such time as you receive payment in your bank account.

 

SCM are deliberately obstructive, just stay cool you will get your money soon.

If I have been helpful please click on my star and add a comment.

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Cheers for the advice.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

Well, still nothing recieved and being constantly fobbed off, gonna write them a letter in the morning. Will be sure topost this on here when its done.

 

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
Share on other sites

Result!!!!

 

Money deposited into account today, 10 days after they recieved my acceptance form. I wonder if my letter had any effect on this???

 

I guess that means.

 

 

I WON !!!!!!!

TezViper

TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

Link to post
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