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    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
    • So, why do DVLA (via that leaflet) say 1) that S.88 MAY allow a driver to be treated as if they have a valid licence (after an application that discloses a medical condition) AND   2) before DVLA have reached their licensing decision ? (Since S.88 ceases to apply once they have reached a decision to grant or refuse a licence)
    • Thanks for that, Bazza. It sheds some more light on things but I’m still by no means sure of the OP’s father’s likelihood of successfully defending the charge. This in particular from the guidance stands out me: He does not meet all the s88 criteria. S88 is clear and unambiguous: It makes no provision for either the driver or a medical professional to make a judgement on his fitness to drive under s88. S92(4) and the June 2013 guidance you mention defines in what circumstances the SoS must issue a licence. It does no modify s88 in any way. However, delving further I have noticed that the DVLA provides a service where the driver can enter a relevant medical condition to obtain the correct documentation to apply for a licence: https://www.gov.uk/health-conditions-and-driving/find-condition-online I haven’t followed this through because I don’ have the answers that the OP’s father would give to the questions they will ask and in any case it requires the input of personal information and I don’t want to cause complications with my driving licence. It is possible, however, that the end result (apart from providing the necessary forms) is a “Yes/No” answer to whether the driver can continue to drive (courtesy of s88). With that in mind, I should think at  the very least the OP’s father should have completed that process but there is no mention that he has. The Sleep Apnoea Trust gives some useful guidance on driving and SA: https://sleep-apnoea-trust.org/driving-and-sleep-apnoea/detailed-guidance-to-uk-drivers-with-sleep-apnoea/ I know nothing about SA at all and found It interesting to learn that there are various “grades” of the condition. But the significant thing which struck me is that it is only the least trivial version that does not require a driver to report his condition to the DVLA. But more significant than that is that the SA Trust makes no mention of continuing to drive once the condition has been reported. The danger here is that the court will simply deconstruct s88 and reach the same conclusion that I have. I accept, having looked at the DVLA guidance, that there may be (as far as they are concerned) scope for s88 to apply contrary to the conditions stated in the legislation. Firstly, we don’ know whether there is and secondly we don’t know whether the OP’s father would qualify to take advantage of it. Of course he could argue that he need no have reported his condition. The SA trust certainly emphasises that the condition should not be reported until a formal detailed diagnosis is obtained. But the fact is he did report it. As soon as he does that, as far as I can see,  s88 is no longer available to him. Certainly as it stands I maintain my opinion that he was not allowed to continue driving under s88. The only way I would change this is to see the end result of the DVLA exercise I mentioned above. If that said he could continue driving he would have a defence to the charge. Without it I am not confident.  
    • Americans are already keen on UK-made coins, and the Mint said it has seen a 118 per cent increase in sales to the US since 2022.View the full article
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    • 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.

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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.
      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
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New strategy for Allocation Questionnaires


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If you have used the new strategy, was it successful?  

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  1. 1. If you have used the new strategy, was it successful?

    • Yes - the draft was made into an order
    • No - standard/other directions were ordered


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Remember once a case has been allocated to the Small Claims Track CPR Part 18 ceases to apply and can no longer be used! Any CPR Part 18 must be issued and dealt with pre allocation; unless the claim is bound for another track.

 

true, but

 

27.2(3)The court of its own initiative may order a party to provide further information if it considers it appropriate to do so.

 

So even if the application isnt dealt with per AQ the court could, should it consdider appropriate order complaince in effect.

 

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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I haven't been using the court bundle!! I am at this stage with the AQ - am I just cool to carry on with things, or is there something I could have missed out on doing correctly?

 

Lee-Roy

 

Have another look at the FAQs and step-by-step guide: they will set your mind at rest. You don't need the bundle till you get a court date and order from the court for exchange of documents. It comes some time after AQ.

 

(The length of time varies)

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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If the bank hasnt sent statement copies (naughty naughty ) can I delete (b) in POST #2?

 

Or perhaps state bank has failed to deal with SAR correctly etc

 

Delboy

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Can anyone help out with the questions i posted on post #378 please?

Halifax: LBA sent 27/11/2006 £640 owed. N1 filed on 13/12/2006 they have untill 12/01/2007 to acknowledge. Settled 12/01/2007 £929.46

 

Barclaycard: Prelim sent 13/12/2006 £250 owed from May 2004. Remaining statements being sent 04/01/2007.

£120 part payment recieved 09/01/2007.

LBA sent 10/01/2007.

N1 filed 29/01/2007.

AQ filed 19/03/2007.

Letter for offer in full 8/05/2007.

Settled 05/06/2007 £433

 

Halifax C/C: S.A.R - (Subject Access Request) sent 17/11/2006.

Prelim sent 29/01/2007 £407 owed.

N1 filed 19/03/2007.

Judgment entered against Halifax 3/05/2007. Settled 25/05/2007 £500

 

Hubby:

HSBC: Prelim sent 27/11/2006,

LBA sent 12/12/2006 £3231 owed.

N1 filed.

Defence filed 14/2/2007.

AQ filed 5/3/2007. Settled 16/03/2007 £4238.15

Black Horse: Prelim sent 13/12/2006 £256 owed. LBA sent 10/01/2007. Settled 24/01/2007 £146.75

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If the bank hasnt sent statement copies (naughty naughty ) can I delete (b) in POST #2?

 

Or perhaps state bank has failed to deal with S.A.R - (Subject Access Request) correctly etc

 

Delboy

 

Why do you think they havent complied if they havent sent copy statements? have they sent you any data?

 

Whats b) in post #2?

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 ,i have just filled in my AQ and have attached the below and a copy of the draft order on seperate sheets with 'please see attached sheets' in G. Is this okay and when i send cobberts a copy do i need to send another copy of the schedule?

The Claimant proposes the attached draft order for directions, for the courts due consideration. If ordered, the Claimant believes these directions will allow the overriding objective's to be furthered in that they will fully identify the most fundamental issues in dispute (as detailed below), and allow them to be assessed so that this claim may proceed justly and expediously.

 

The crux upon which this claim rests is the true cost incurred by the Defendant as a result of the contractual breach from which its charges arise. If the Defendant cannot substantiate the cost of each charge as proportionate to its loss incurred, it has charged contractual penalties contrary to the UTCCR 1999 and common law principles established since the early 1900's.

 

In the event that the Defendants charges were accepted as being a fee for a service (which is denied), examination of its true costs is required to determine whether the price is reasonable as required by the Supply of Goods and Services Act 1982.

 

As the law relating to contractual penalties is long established, the Claimant believes the outstanding issues to be of fact. Accordingly, the Claimant respectfully requests that the claim be allocated to the small claims track, and estimates that the hearing of the claim should last no longer than one hour.

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Thats fine, although that was pre-edit - its got spelling mistakes in (thanks GuidoT for pointing it out). Sorry - need to be more careful in future! See #3 for the edited version. Yes, you can attach a schedule if you like.

  • Haha 1

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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I need help with a couple of questions for my AQ (N150):

'Amount of claim in dispute'- Do you include the court fee and the AQ fee you will pay when you file? Or just charges and interest to date? ie; £3356 charges + £653.23 interest (til 5th march when AQ is due) = £4009.23 + £120.00 (court fee) + £100.00 (AQ fee) = £4229.23. Need to know which figure to write in box.

'Witnesses'- The claim is for my hubby's account so was made in his name, however he has no clue whatsoever bout how any of this works and has done nothing bar sign the paperwork for me, so do i put myself down or him?

'Trial or final hearing'- This will only really matter if im named as a witness as im due to have a baby around the end of march/beginning of april, so cant really give specific dates that i cant attend, so shall i just tick no to the 'any days cant attend' box?

'Other information'- Do i send copies of the 'draft order of directions' and 'schedule of charges' that im enclosing with the AQ to DG and if i tick yes to that what do i write in the 'when did they recieve them' box?

 

I know these are simple questions but i really do NOT want to mess the caim up this far into it. Many thanks in advance

 

This thread should tell you - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/51535-darling-2-takes-tsb-4.html#post528741

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Why do you think they havent complied if they havent sent copy statements? have they sent you any data?

 

Whats b) in post #2?

 

Gary its because they have not sent Statements only a schedule of charges. also they have not sent any details of Man intervention, I need details of charges refunded.. .I have sent them 2 non compliance letters stating this.

 

Because of this I cant give the court copies of statements ( that is what is in (b) )

 

Ta

 

DELBOY

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Delboy

 

they are not obliged to send you statements and if you used the S.A.R - (Subject Access Request) template from the library i suggest you read what you asked for.

 

If they haven't supplied you with transactional data for the account history then they haven't complied.

 

If they have then they have complied, statements are not required and they are not obliged to provide them.

 

You don't need to give the court statements, you need to be able to prove the charges, if the bank has sent you a list then thats your evidence.

 

With regards to manual intervention, you simply write back and say for the avoidance of doubt you haven't said i take it to mean this there is not a record of any on my account?

 

Ask them to respond within 7 days.

 

When you file at court this letter, along with their response if any is part of your evidence also.

 

So all in all, you only need a list of charges from them and thats more or less what you asked for, it could be argued they should send a list of all transactions and i wouldn't disagree with that, but in truth you can manage without it.

 

You could try to make their life a bitch over it, but if you have the data you need them i would suggest thats all you need.

 

JMHO

 

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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Thats fine, although that was pre-edit - its got spelling mistakes in (thanks GuidoT for pointing it out). Sorry - need to be more careful in future! See #3 for the edited version. Yes, you can attach a schedule if you like.

 

Thanks Gary,got the edited version now but it looks exactly the same to me,cant see any spelling mistakes and it reads the same to me. And i being thick?

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Thanks Gary,got the edited version now but it looks exactly the same to me,cant see any spelling mistakes and it reads the same to me. And i being thick?

 

ITs okay found error ,it expediously,should have notice especially when Word is highlighting it for me.

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Send it to Cobbetts. They're acting on behalf of NW.

 

And make sure you send the original to the Court!!

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Glen

 

They only sent Schedule of charges, filed in courtbout 8 days ago so cant do anything re man intervention.

 

Basicly I shall delete statement (b) when it is AQ time, Meantime I shall report them to the Information Bloke. as I did request

 

"

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 22.12.2006 The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide a complete list of transactions and charges.

2) You have provided no details or documents relating specifically to any Charges made on my account by yourselves subsequently refunded by yourselves.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

in first non compliance

 

"

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request . The disclosure of personal data is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a complete list of Charges made to my account THAT YOU HAVE SUBSEQUENTLY REFUNDED

2) You have provided no notes, or documents relating to instances of manual intervention.

 

in second

 

Dont wanna clog this up

 

Back to my Thread

http://www.consumeractiongroup.co.uk/forum/woolwich/43450-delboy-against-woolwich-8.html

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Hi Gary,my AQ has been sent to the court now and i thought i should familiarise myself with the documents i may have to submit next.I'm fine with a and b but cant seem to get my head round c and d. I claiming from Nat west so is there any particular threads i could be looking at?:confused:

 

Maria

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Hi Maria,

 

If the judge has ordered the directions you proposed, you will then need to provide a), b), c) and d)

 

a) = schedule

b) = account statements

c) = statement of evidance

d) = cases and statutes - see the http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

For an idea of what to expect in the final stages, see this thread too -

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Does anyone know what to put in the witness to which facts as i have listed myself as the witness

cheers

On the N150? - "All facts and matters relevent to this claim"

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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