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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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Alliance & Leicester 8/3/06


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I sent my letter to request refund of 260 on 8/3/06, had the standard letter back a day later and have been charged 102 in the last week alone and am now overdrawn again because of their charges!

 

Do I acknowledge their letter or just send the letter before action after 14 working days? I haven't found any details of anyone who's been successful against the A&L yet, are there any of you out there?

 

Carol

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I am so angry, just checked my accounts and there is another 75 due to go out at the beginning of April in overdraft fees. That's 177 in one month - 20 more than the DD's they refused in the first place.

 

I really hope they will have to pay it back, they can't be allowed to keep doing this.

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I was at a training session with Mike Dailly from the Govan Law Centre in Glasgow who advised me about what the A & L were doing was illegal.

 

I phoned them yesterday as i was due £50 in charges on the 28/3 and the lady refunded the £50 straight away as she claimed that she was unable to stop charges being taken. I then asked for a refund of the rest of the charges and she advised i would have to write to them. I posted letter from Mike Daillys website to A & L and am awaiting a response.

 

I am prepared to take this to small claims court if necessary as although the charges amount to £300 it is better in my pocket than theirs!!

 

I hope we we both get the result we want

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  • 2 weeks later...

Had a letter through the post yesterday saying that their charges are in line with their T&C's, have gone over my initial 14 days as I had to wait for some more charges to be applied to my account but have sent my letter before action today stating the new amount.

 

It's very encouraging to see the success that other people have been having.

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You may not have noticed but Miss T's claim was settled in full.

 

Keep on claiming.

It is scarcely imaginable that any Bank is not going to settle since the OFT's ruling.

 

I think that it is a home run for everyone - at least for the moment.

Now we have to deal with defaults for unlawful debts and claims older than 6years.

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Thanks for the encouragement, I'm definitely going to press on with the claim. It is now over a week since I hand delivered the Letter before Action and I haven't heard anything so it doesn't look like they're giving me a choice.

 

Out of interest, does the 14 day limit have to be extended to account for bank holidays?

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I know, it's just the way I've been brought up - to respect bank managers, doctors etc - not that they deserve it.

 

Best of luck with your claim - not that you'll need it!

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I know what you are saying - it is scary to take a bank to task - and you've cracked it, you’ve been brave, especially as they’ve have been treated with deference in the past. Pour a big glass of wine for yourself!

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Having issued my claim on 24/4 received the following letter on 26/4:

 

Dear carollawton88,

 

Thank you for your recent enquiry regarding charges that have recently been debited to your account, which I am sorry to lean have been the cause of dissatisfaction.

 

On reviewing our records it would appear that you have previously received a goodwill payment to your account and that were advised at the time that any further charges raised correctly in future would stand. I can confirm that the charges in this instance have been applied to your account correctly and therefore, I am unable to consider your request on this occasion.

 

Having noted your comments, I must advise that our charges are clearly shown within our literature, they reflect the market and are in line with our competitors. We make no secret of our charges which are detailed on the reverse of your statement or our website as well as the terms and conditions of your account.

 

I am very sorry that you have been disappointed with our service on this occasion and trust that we will meet your expectations in future. In accordance with regulatory requirements, I must advise that if I do not hear from you within the next eight weeks our file on this issue will be closed and I am enclosing our leaflet explaining how to progress this matter, either through our internal procedures or, if necessary, via the Financial Ombudsman Service, should you remain dissatisfied.

 

I do hope, however, that we have now resolved this situation and if you require any further assistance please do not hesitate to contact me.

 

Yours sincerely

 

Miss H Monaghan

Senior Customer Advisor

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carollawton88

I received an identical [word for word] letter from Miss H Monaghan today; how they can reasonably claim that their charges are lawful simply because they're in line with their competitors and advertised is beyond me. However, I will be submitting my MoneyClaim claim on Monday on expiry of the notice of action I issued.

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It sounds like Miss Monaghan is a very busy lady. It gives me a warm feeling inside to know that we're keeping her in a job!

 

I met Miss Monaghan a couple of years ago at an A&L training course. She is a lovely liverpool lady :)

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Received acknowledgement of claim on Saturday. A&L have ticked the box to defend the claim in full. I know they are in the wrong but it still makes me nervous. Have had a look through other people experiences though and notice that this is the norm, maybe they need to buy the extra time to get the cheque signed by the right person!

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Have just been on my account to cheque my wages are on and have another charge of 25 due to be applied to my account from when they took me overdrawn last month - any ideas what to do about this?

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Guest Lueeze

Im afraid you have to start all over again,

 

1st call them and remind them that you are currently claiming and therefore will expect this to be refunded or you will claim this back too!

 

If they dont refund, then im afraid you will have to start again, writing to them Prelim,LBA and court!

 

Its not an ideal solution but whilest the banks are still charging you dont have much choice!

 

Good Luck!

 

Lou xx

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I've been thinking about the above (no it didn't hurt ! ).

 

Maybe it would be an idea in the future to include something in your claim along the lines of " Plus any further unlawful charges that may be applied to the account up to and including the date of the court hearing"

 

Would this be allowed I wonder ?

Nil Illigitimus Carborundum

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Guest Lueeze

Nope it wouldnt, as you have to set the amount you are claiming on the form at the court!

 

Its not variable! So that would make no difference im afraid!

 

Lou x

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I think I'll wait and see what the outcome of the current claim is before I chase this one down. They must know that I'm not scared of claiming and my account is being run a lot better now I seem to have got out of the cycle of having over 100 pounds charges every month. Maybe it will only require a phonecall.

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I'm starting to sweat a little now as people who have had their claim acknowledged at the same time as mine have been paid. I know it's a bit late to be worrying about this but the account I'm claiming for is a joint account. I was advised that because I am able to be a sole signatory that also means I can make the claim in just my name which is what I've done. Does anyone know any different?

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