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

      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 
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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.
      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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Claiming on a Business account? Lets join forces?


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Section 11 applies to Ltds, sole traders, personal etc.

 

Just for the sake of clarity here.

 

When Guido refers to section 11, he is refering to section 11 of the POC portion as I posted it, NOT section 11 of the Statute of Limitations act.

 

The section of the Limitations act is section 32 (1) parts b and c, as explained in the earlier post.

 

When/if you slip this into your own POC, it may no longer be section 11.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just noticed that I've recieved 5 clicks all from just today alone (and gained a blob from it) :D

 

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Does anyone have t and cs for lloyds tsb buss acc from 1993? or point me somewhere that does. skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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I have a business account and they have been charging £50 to set up an overdraft facility surely this is excessive to??

 

Anyone know if this is illegal

this happened to us from lloyds called an arrangement fee and was around 100 a time. I didnt claim it back as had some advice to say they could do it with a business account.skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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think the advice came from my business account thread, skeggsy and nailard v lloyds buss account (dont know how to copy a thread0 take a look skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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So photoman should we be going for more then 6 years back then.?

 

 

I originally saw your post on an email, and before logging onsite, in my head, I started to formulate some witty, long winded response...... but then figured it was unneccessary..... short answer will do...

 

 

Yes

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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The whole original purpose and objective of the Statute of Limitations act was designed to help to protect people from the consequences of "stale" claims.

 

It was meant to protect people from situations such as, someone (either through apathy or deliberation) sitting upon a claim before deciding to claim. Perhaps in a hope to gain more interest for example.

 

It was not designed to protect wrongdoers from "getting away" with an act, just because 6 years had elapsed.

 

This is why section 32 was included.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Does anyone have t and cs for lloyds tsb buss acc from 1993? or point me somewhere that does. skeggsy

 

skeggsy...

 

These are from Jan 1998 (the earliest business t&c's on site so far)...

 

 

RapidShare: 1-Click Webhosting

 

I opened my account a year or two earlier. I'm not certain if they are exactly the same as my original ones, but the cover is definately the same... I remember, because I only threw them away 18 months ago, because I thought I was being a hoarder!!!!

 

Lesson learnt... I'm back to my hoarding ways again!!! :grin:

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Hi can anyone help. Is there a maximum amount you claim for throught a business account in one go. I am trying to claim for a total of £8,000 which includes interest. Or shall I split it into two claims. Although I have all the data, I have not made claim yet. Coz I was thinking about the final outcome at the court.

So to summarise.

1. IS there a maximum amount you can take throught the small claims for a business account. Is it the same as a personal account i.e. £5,000.

2. The claim is with HSBC and I have not included any overdraft arrangment fees,overdraft interest, or stopped cheque charges.and I know that I wont be including the 8% interest charges at this stage, as I believe this comes within the court claim amount - like the costs & interest must be a maximum of £5,000 with a personal account. Please can someone help am I right here please?:confused: I'll donate to site when it comes throught. Thanks

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Hi can anyone help. Is there a maximum amount you claim for throught a business account in one go. I am trying to claim for a total of £8,000 which includes interest. Or shall I split it into two claims. Although I have all the data, I have not made claim yet. Coz I was thinking about the final outcome at the court.

So to summarise.

1. IS there a maximum amount you can take throught the small claims for a business account. Is it the same as a personal account i.e. £5,000.

2. The claim is with HSBC and I have not included any overdraft arrangment fees,overdraft interest, or stopped cheque charges.and I know that I wont be including the 8% interest charges at this stage, as I believe this comes within the court claim amount - like the costs & interest must be a maximum of £5,000 with a personal account. Please can someone help am I right here please?:confused: I'll donate to site when it comes throught. Thanks

 

 

Why no stopped cheque charges or overdraft interest? Are you using the calculation spreadsheets? Fees for arrangements or anything related to a service are non claimable. An arrangement fee I do not believe to be something one can class as a penalty despite the fact they seem inexcusably high at times.

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skeggsy

To find the T&C's go to the sticky for new poc's pick your bank and scroll down they are all there

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Hi can anyone help. Is there a maximum amount you claim for throught a business account in one go. I am trying to claim for a total of £8,000 which includes interest. Or shall I split it into two claims. Although I have all the data, I have not made claim yet. Coz I was thinking about the final outcome at the court. There is no maximum level per se to claim on Business account, however, there is a possability your claim could get allocated to a higher track. You can request in your allocation questionaire that it is heard in SCT, and there is a good chance the court would grant it. Splitting claims is strictly NOT advisable. The courts do not look favourably upon people who do this in order to steer allocation into another track.

If you did get allocated into a higher track, although in theory there is a chance that if you lost you could face costs, as an LIP, it is unlikely the court would enforce it. But, then.... your not going to lose anyhow !!

The advantage on the other hand of a higher track, is that the defendant bank is obliged to provide disclosure.... which is something they really don't want, and have done all they can to avoid so far. If allocated to such a track, it is likely you would then quickly get an out of court settlement.

So to summarise.

1. IS there a maximum amount you can take throught the small claims for a business account. Is it the same as a personal account i.e. £5,000.

2. The claim is with HSBC and I have not included any overdraft arrangment fees,overdraft interest, or stopped cheque charges.and I know that I wont be including the 8% interest charges at this stage, as I believe this comes within the court claim amount - like the costs & interest must be a maximum of £5,000 with a personal account. Please can someone help am I right here please?:confused: I'll donate to site when it comes throught. Thanks

 

Andrews comments are corect with regards what you can and can't claim.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Why no stopped cheque charges or overdraft interest? Are you using the calculation spreadsheets? Fees for arrangements or anything related to a service are non claimable. An arrangement fee I do not believe to be something one can class as a penalty despite the fact they seem inexcusably high at times.

 

Depends if it is the official arrangement fee for setting up or upping OD limit where you do actually ask to arrange it, however HSBC now seem to use the term 'arrangement fee' for allowing you to go over your limit and not returning item, then you get a nice little letter saying we are pleased to confirm your application for an informal overdraft..........:confused: must stop those pixies filling in those application forms, costing me a fortune LOL

You can claim these ones back.

 

Anybody else notice HSBC are still charging £25 a pop for these and other penalties, completely ignoring OFT report that they would only investigate complaints for charges over £12,,,,,,,, Just shows total disregard for what they say

 

Celicaman

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Yep still charging me whilst I'm waiting for there offer cheque to clear!! I had to ask them to increase there full offer to the new amount which they did bar £2. So just put the money in the account and stop charging me the £25.00 a pop. I will claim all further charges until they get the message.

 

BJ

 

:lol::lol:

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You and i wil be old and grey before they get the message :)

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi can anyone help. Is there a maximum amount you claim for throught a business account in one go. I am trying to claim for a total of £8,000 which includes interest. Or shall I split it into two claims. Although I have all the data, I have not made claim yet. Coz I was thinking about the final outcome at the court.

So to summarise.

1. IS there a maximum amount you can take throught the small claims for a business account. Is it the same as a personal account i.e. £5,000.

2. The claim is with HSBC and I have not included any overdraft arrangment fees,overdraft interest, or stopped cheque charges.and I know that I wont be including the 8% interest charges at this stage, as I believe this comes within the court claim amount - like the costs & interest must be a maximum of £5,000 with a personal account. Please can someone help am I right here please?:confused: I'll donate to site when it comes throught. Thanks

 

 

Hi i reclaimed £36,000 successfully from nat west this year..........so if anything u will probably be put on the fast track court system which is a benefit 2 u...........

 

My claim was 1 claim and not split in any way........the downside is if you loose the case you are liable to the defendants costs very unlikely u will lose...........if you follow the cag way

 

Scott

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hi all i got charged around £450.00 for my overdraught! daylight robbery it cant cost any more to process an overdraught of say 10k or one of 40k they only hit a few buttons,is this a case of unjust enrichment? all advice appreciated jezzy

R.B.S Mastercard £7,189.00 written off default removed

NatWest Goldcard

Natwest business account

Natwest joint personal

B&Q Trade account

Debenhams store card

leeds mortgage

Nationwide

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IF YOU HAVE FOUND MY ADVICE HELPFULL PLEASE CLICK ON MY SCALES, ALL ADVICE IS GIVEN IN GOOD FAITH AND IS MY OPINION ONLY

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