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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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marksteps v Halifax - SETTLED IN FULL


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Today is the letter before action letter for the bankers, oops i mean bank :) Now the LBA has at the bottom the following right?

"

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department."

 

I did take out a wee wording about my credit as i dont think it has been affected. So does the last part of the statement i have shown come out? Oh this is soo hard :(

 

Their is only one LBA letter yeah? Just everyone edits differently??

 

Oh dear i am dosey, sorry!

 

PS In the Letter Before Action, do i put in the interest seeked? Not that i mind not having it, and how do i work it out?

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Ok i am now at the stage where i need to send the letter before action. Needs to be sent tomorrow morning, so is there just one template for this and does it need edited? Im due £750 back. Do i ask for interest yet? If so how do i work it out? Can someone please help?

 

Im not so sure aboput what to put in the LBA letter.

 

Many thanks

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Hi marksteps -

 

It seems from your questions that maybe you have not yet read through the Frequently Asked Questions (FAQs) which is an absolute must.

 

You are either about to start, or have already started, a legal process to recover funds from a large financial institution - do not do so lightly - even if the evidence suggests that it is an easy process.

 

Spend a day or two going through it, as this also contains the "Case Guidance Notes" and "Step-by-step" guides etc. You will find them invaluable, and you need to do this in order to grasp the implications of the task that lies ahead of you......

 

Once you have done this, if you still have any unanswered questions, then post them here and they will be resolved in no time....

 

Many people here could easily answer those questions, but it really is vital to do some of the groundwork yourself. On the plus side, the benefits of a little hard work will hopefully result in a nice refund of those charges in the months ahead.

 

Good luck..!!!

..

.

 

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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Rang the bank again today and the chap who initially was sending the statements out, done something wrong and they have never been ordered! Spoke to a lady today who will have them ordered and sent out first class tomorrow...I dont hold my breathe tho!

:(

 

Coincidence?

 

It took 3 weeks for me to find out my request was Not logged!!

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Ok so i sent my LBA off today at the PO recorded delivery. The thought of still having to put a fight up against these monsters scares me to be honest and the thought i could end up in court....I dont need the hassle, i do need the money however!!

 

:)

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I sent my LBA off at the start of the week. Ok so i have not waited 14 days but should i call and ask whats happening or just leave it alone? I have read that some people here have called etc but to date i have not went into a verbal communication with them.

 

:)

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I sent my LBA off at the start of the week. Ok so i have not waited 14 days but should i call and ask whats happening or just leave it alone? I have read that some people here have called etc but to date i have not went into a verbal communication with them.

 

:)

 

TBH I would just let it run its course and then file with Money Claim if you don't hear anything.

 

I wouldn't get into any conversations with them.

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Just received a letter from the bank saying the usual, "we beleive our charges are reasonable, but as a gesture of goodwill, we will pay £70" Bearing in mind im owed £750!!

 

How awful is that. I am to reply within 6 weeks to say if im accepting and if i dont they will take that as acceptance. I will write a letter to say i dont accept so any wording would be helpful. I am also hoing to call so i can say i made a telephone call to the same effect.

 

:)

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Guest Lueeze

Well you dont need any further correspondance now, just file the claim and then they will be forced to pay up.

 

They are just trying to use stalling tactics, ignore it and file once this 14 days are up!

 

Lou x

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Don't call/write, just start a claim as the lovely Lueeeeeeze has said..

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Hi

 

Allow them the full 14 days from date of LBA as this will show that you have given them ample time to respond/pay.This will look good for you and not for them.

 

Once the 14 days are up then it is on to MCOL.

 

Good luck,hope all goes well.

 

Sean

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

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I'm awaiting a letter, seems everyone else has had one so far.

LBA email sent 26/04/2006 - Claiming £1073

Offer of £201 on 13/05/06

Offer refused on 15/05/06

Offer of £692 offered on 15/05/06

Offer refused on 18/05/06

Offer of £850 on 18/05/06

Offer accepted.

 

Case closed

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Im worried however, that, they said in the letter, if i do not reply within 6 weeks (i think) that they would take this as an agreement to settle this at a cost of £70.

 

My mind is saying leave it and do as you say so long as i dont sign anything because that is the only thing that will bind me to an agreement right??

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What is an LBA as I have only signed up to this website today. I too have incurred charges that I would love to reclaim fact is that I do not have copies of 6 years worth of statements to hand. Do you know how I can go about getting this info or where to start. Thanks. Also in response I would wait and not call just yet.

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. Do you know how I can go about getting this info or where to start. Thanks. Also in response I would wait and not call just yet.

 

This is where the letter templates are

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

When i first joined the site i was drowned by all the jargon and posts, Its worth reading through the sites advice section and the Q&A, the knowledge is amazing, and it helps build confidence in your actions.

 

Bl

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I wouldn`t worry about the 6 weeks they gave you because the 14 days will run out before that and by that time they will be in court.

 

It may just be a scare tactic of theirs.

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

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I wouldn`t worry about the 6 weeks they gave you because the 14 days will run out before that and by that time they will be in court.

 

It may just be a scare tactic of theirs.

 

Cheers! Was looking for an answer like that

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Mark,

 

the 6 weeks is simply their requirement to comply with FSAregulations as per servicing complaints. They have 8 weeks from receiving your complaint to showing it as resolved. Clearly, what they have done, is taken the prelimletter you sent as the start of the complaints process.. now 2 weeks down the line they are attempting to resolve the complaint (offering you £70 - as if you'd be such a mug), and thus giving you the remaining 6 weeks to respond to their offer.. after which time they would consider the complaint "resolved" in the eyes of the FSA..

 

All random rubbish.. it's not a complaint.. this will be resolved to your satisfaction way before then..

 

If they want to waste postage and time behaving like FSA automatons then just let them.

 

I might be minded to hang on to that letter, then when you have settled in court.. post them a copy of the settlement, saying "thanks very much, you may now consider this complaint resolved"..

 

Just stick with your timetable. Good luck.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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They did send a letter saying they would offer £70 but as im expecting £750 they can whistle!!

 

I beleive its now time to start a claim, so its off to what site for this? Bearing in mind im in Scotland and looking for £750 whats the best route to take with these guys. Also how much is it to file a claim? Read in the FAQ unless i missed it :(

 

Thanks in Advance

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But i cant get to the courts until Next Monday morning at the earliest, which would give the bank an extra 7 days on top of what they have had.

 

To be honest i dont understand the forms im to fill out and hand in to the Court, even when i have read over and over. :(

 

I just rang the banks, customer relations dept, and spoke to Cheryl re a letter asking me to accept £70 in full and as a final matter. I told her i would not accept this, and she will get the person who dealt with my letter to reconsider and would send a letter out.

 

Have i scuppered my chances by not sticking to my timescale? ie giving them extra time of 7 days? Im hoping they offer me on the scale of £350 so i can accept it and be done with it as i am completely clueless!! I dont see it happening from £70 however lol

 

Oh god i need hepl! ....

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