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    • 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? 
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Bank demanding to know who I owe money to


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I have initiated a payment paln with my creditors but one of them is refusing to agree until I say who my creditors are and the amounts owing. Do I have to tell them? I have told them the pro rata payments I am making and how much I will be paying them when they agree (going to pay even if they don't agree).

 

It's not that I have a problem telling them but I'm always interested in what these people can and can't demand and don't like giving them any more info than I need to.

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In the interest of fairness and reciprocity, I think you should send

them those details -when they send you an accurate breakdown of how they

arrive at the charges they apply to your account.

 

 

 

:lol: :lol: :lol: :lol: :lol:

 

And thats the day the devil will be ice skating to work! :D

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I told them my debt level. Just not too. Let;s face it I could make it up or they could just look at my credit report. Just miffed slightly that they ignored my detailed list and sent me another form to fill in with exactly the same boxes to fill. Plus they want me to phone which I think is what is most important to them....

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I was advised to detail this in my financial statement, really I wasn't that bothered although I don't ever give unnecessary information (someone from Co-Op wanted my mobile number yesterday, yeah right). At least then they can see where any spare cash is going and where they are on the pecking order plus if pushed for more cash you can use it to your advantage in pointing out the other mouths to feed by proportion of amounts owed.

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True. Will post it on Monday then. Think they will be quite disappointed they aren't the biggest creditor. Going to be quite disappointed when they get the LBA too.....On the box where it asks what caused this situation I might mention the unlawful charges that mounted up and their complete ignorance when I asked for help.

 

Then again that might just rile them. ;)

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blackrain do not send them anything as once they know who your other creditors are they might decide to join them a make you bankrupt or at least seize any valuable assets you have...

 

I'm not quite sure why this is a consideration. The OP has not indicated (at least in this thread) that their level of debt would make this a probability and the bank debt, which I can only presume from the info, could just be an overdraft owing etc.

 

If it is a mortgage then it might be more serious but, even then, a serious offer to reduce the debt would suffice for now.

 

Perhaps I'm missing something, but this seems slightly scare-mongering.

 

To the OP, if you have produced your own I&E forms and supplied them already, then that will suffice - there's no need to repeat the info on forms they supply. If you would like more info on completing these forms and what you can / cannot claim for etc then let us know.

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Guest The Terminator

I would tend to agree with JC here. Why give them the information as it seems to me that the banks want to have their cake and eat it too.When doe's a bank not give an answer when pressed on how they justify their "unlawful charges"

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If you are reclaiming charges from he Bank who wants the info then, the debt is in dispute and surely they are not entitled to any info?

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Hi thanks for all the advice. The level of debt is high enough to consider bankruptcy although if that's what they wish to do then I'm not overly bothered as I spent a fair amount of time last year looking into all the ins and outs of that.

 

I have no assets, property, savings or even a car so I can't see what they would gain by making me bankrupt. I'm offering the payment plan as one last try to reduce the debt as much as possible over a couple of years and then see if I am in a position to do something else later.

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It is not scaremongering. The other creditors joined might make it worthwhile to institute proceedings in bankrupcy

 

At the very least you should not name your other creditors only your indebtedness

 

yes they *could* do that but in reality I can't remember when that last happened (I work as an adviser within the money advice industry). If these details are not supplied then the creditor is more likely to use other action such as going down the county court route. the reason they ask for this info is so that they can see that a pro-rata offer is being made and that the expenditure figures for things such as food etc are reasonable.

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Going to fill it in and post it tomorrow. They want me to ring the details in which is a bit odd asking me to fill a form out and phone the details through but I want everything in writing so I will comply with their request for info but by post.

 

Thanks sequenci and everyone else.

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It certainly is...

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Is it ok to put down family members as creditors if you genuinely owe them money? If the banks do end up trying to make me bankrupt I'd want my parents to get their share too as they helped my wife and I out a few years back.

 

debts to family + friends are usually view as priority debts, certainly put them down!

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Hi, They won't get together and make you bankrupt do not worry about that. If they did then they will all get nothing. Just make your arrangements and stick to them. When I did mine I put it all on a spread sheet, some will may file in th e CC.

 

A friend of mine recently did an arrangement, I made a spreadie for them, most of the money was owed to Nat West in loans and C/cards, they were paying over £200 per month on arrangement then Nat West took them to court, now paying £49 per month on £40K. The decision to take them to court came from those moorons in Telford..:)

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Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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