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    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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CF1958 - v -Yorkshire Bank ***WON***


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Hi I am new to this site i am claiming charges back for my son, wrote to Yorkshire 12 Feb 2007 to request 6 years statements, £10 cheque cashed 15 Feb 2007, acknowledment letter around 18 feb 2007 saying they have 40 days, 22 Mar 2007 another standard letter from them saying as they are experiencing a high volume they would not be able to supply them within 40 days, 26 Mar 2007 wrote to ICO to complain had no response yet from ICO, 27 Mar 2007 18 months statements arrived saying others would follow shortly, wrote to Yorkshire again 2 Apr 2007 reminding them that outstanding statements were required without delay as they had already not complied and the ICo had been contacted to seek remedy, what do I do next as i am unable to calculate his charges until information is availabe. My son also had a Yorkshire bank visa card a few years ago and i had to take a bank loan out to clear it as he was constantly being charged foe a late payment he has no details now of his account number how would I chase the charges from this without any details, any advice would be very much appreciated.

 

 

Hi I am new to this site

 

i am claiming charges back for my son,

wrote to Yorkshire 12 Feb 2007 to request 6 years statements, £10 cheque cashed 15 Feb 2007, acknowledment letter around 18 feb 2007 saying they have 40 days,

 

22 Mar 2007 another standard letter from them saying as they are experiencing a high volume they would not be able to supply them within 40 days,

 

26 Mar 2007 wrote to ICO to complain had no response yet from ICO,

 

27 Mar 2007 18 months statements arrived saying others would follow shortly,

 

wrote to Yorkshire again 2 Apr 2007 reminding them that outstanding statements were required without delay as they had already not complied and the ICo had been contacted to seek remedy,

 

what do I do next as i am unable to calculate his charges until information is availabe.

 

My son also had a Yorkshire bank visa card a few years ago and i had to take a bank loan out to clear it as he was constantly being charged foe a late payment

he has no details now of his account number

how would I chase the charges from this without any details,

any advice would be very much appreciated.

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My first advice is that you should discover the paragraph return key on your keyboard and also try using some punctuation and new sentences.

It's not a joke.

We work very hard here and your question as posted was nearly impossible to read, took a long time to do so and discourages any effort or goodwill on the part of others.

 

Secondly if you take the trouble to read some of the other posts on this YB forum, you will find that exactly your scenario has been played out several time before and that the suggested course of action has already been explained.

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  • 1 month later...

I see from another thread that you are asking about Oldham Court. This should be of interest to you.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/87398-just-got-directions-i-2.html#post792262

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro, very interesting I am hoping that the recent judgement by Judge Cooke will not influence any other Judges.

 

I am also doing my sons partner's reclaim of charges, still waiting for 12 months statements, the 40 days is up on 26th May, so far the charges come to around £3000 excluding interest and i am sure there will be about another £1000 on top of that, as they really struggled when the children were born she banks with TSB.

Her's will also be at Oldham County Court as I am sure TSB will not pay out, they are filled with false confidence at the moment

 

I am going to look on the site about claiming PPI back, as I recently found out that she had been paying the Select account fee for the past 6 years, currently £7 per month, she was unaware of this and had never requested the account (trying at the moment to get back the 6 years from TSB).

A recent letter from TSB said that she agreed to this when she was granted a loan in April 2001, she cannot recall being told about the select account and is pretty sure she did not sign for it, she said she was forced to take out a PPI wich was over £700 on a £5000 loan.

 

I would just like to thank everyone who works on this site, you really have given people inspiration and confidence, i could not have got this far without this site, there is still along way to go but all the information is here and I will see the cases through to the end win or lose.

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You'll win. You are forgetting the Lloyds case was the first they have won, and I understand is to be appealed as there were some questionable issues with the case. There have been thousands of others that have been settled and there is no reason that yours won't be a winner.

 

I too am starting a claim for my husband against Lloyds TSB, and have a thread in that forum, where I'm sure you would find more specific advice and support on that claim if you start a thread there. There is also a PPI forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just updating the position so far.

 

Finally received the rest of the statements on 27th April, I had the N1 completed about to take it to court for non compliance when they dropped through the letterbox.

 

Sent prelim requesting charges of £527 back on 27th April (delivered by hand) had the usual bog off letter.

Hand delivered LBA 13th May they have until Tuesday taking into account the bank holiday. if no refund I will be filing at court on the Tuesday on behalf of my son of course.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Has any one else had any problems trying to access MCOL once you have lodged a claim.

 

I have been trying for nearly 2 hours to get back in to see any progress and it is very slow on log in then it says page not found, I have now been locked out for 2 hours, I am entering the right details but can' seem to access the claim.

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  • 2 weeks later...

Managed to get back into MCOL it must be a very busy site, the claim was issued 31st May & Acknowledged 5th June, they have 28 days now.

 

Today received a gesture of goodwill offer from Solicitor in Leeds for £200, going to reject the offer as charges are £527 plus interest and £80 court costs so far which equates to over £700.

 

Just another big thank you for all the people who run this site.

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  • 2 weeks later...

What's going on today with Yorkshire Bank, so many wins are showing.

 

Just posting to ask a moderator if they could change my title to

 

CF1958 -V -Yorkshire Bank

 

As the case has progressed to Court stage now to reclaim the charges.

 

Thank you

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Just seeking clarification on how long YB have to file their defence, the MCOL claim was issued 31st May (deemed served 5th June) YB acknowledged 5th June, is the 28 days from the 31st May or 5th June.

 

Thank you

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28 days from date of service I believe.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Getting there thanks cf, although moving out of the house for 3 months tomorrow. Still lots of much needed nice new furniture etc to look forward to at the expense of the insurance company, so can't all be bad. Trouble is no phone, so no internet for about 5 days!!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

*****WON******

Just got back from holiday to find a reply from Legal Department, it contained the 11 point defence and an offer of the full charges (no interest) and the Court Costs, My son has signed the agreement and posted it today.

 

Could you move this post to success forum, thanks a million to every one who runs this site,i would not have done it without you. I will get him to make a donation when he gets his money.

 

Brief run down filed on MCOL 31-05-07 offer of £200 received 7-06-07, rejected offer, full offer dated 29-06-07 for £527 plus Court Costs.

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Congratulations.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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My son contacted bank today to ask when he will be getting the money, he was told they have got 40 working days to pay, is this correct, he has not yet cancelled his court case until the money is in the account.

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That's a new one on me. I suggest that your son writes and reminds them that the case is still on going pending settlement, and that if they don't pay up within 7 days, he will continue with his claim, including interest to the date of settlement. Thank goodness he didn't sign the discontinuance notice.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just an update, my son received his cheque on friday,they may have been prompted by the order the judge had made, it was ordered that by 10th August YB should provide a full breakdown of thier costs by a responsible employee, or thier defence would be struck out and the claimant could apply for judgement

 

I have made a donation today, it is from my own money as my son needs every penny. I would like to urge everbody else to donate and ask yourself would you have had the confidence to take on your Bank without the support of this site, I know that I would not have, even though I have had no financial gain, It has give me great satisfaction to know that I have taken them on and won.(with the help from this site)

 

So please please please donate to keep this excellent site going.

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Thanks very much cf. If it weren't for such generosity it would be harder to keep going. I don't know how many know these days, that to begin with, BankFodder and Dave paid for this site out of their own pockets, and the size it is now, that just wouldn't be possible.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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