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    • Thanks for that, Bazza. It sheds some more light on things but I’m still by no means sure of the OP’s father’s likelihood of successfully defending the charge. This in particular from the guidance stands out me: He does not meet all the s88 criteria. S88 is clear and unambiguous: It makes no provision for either the driver or a medical professional to make a judgement on his fitness to drive under s88. S92(4) and the June 2013 guidance you mention defines in what circumstances the SoS must issue a licence. It does no modify s88 in any way. However, delving further I have noticed that the DVLA provides a service where the driver can enter a relevant medical condition to obtain the correct documentation to apply for a licence: https://www.gov.uk/health-conditions-and-driving/find-condition-online I haven’t followed this through because I don’ have the answers that the OP’s father would give to the questions they will ask and in any case it requires the input of personal information and I don’t want to cause complications with my driving licence. It is possible, however, that the end result (apart from providing the necessary forms) is a “Yes/No” answer to whether the driver can continue to drive (courtesy of s88). With that in mind, I should think at  the very least the OP’s father should have completed that process but there is no mention that he has. The Sleep Apnoea Trust gives some useful guidance on driving and SA: https://sleep-apnoea-trust.org/driving-and-sleep-apnoea/detailed-guidance-to-uk-drivers-with-sleep-apnoea/ I know nothing about SA at all and found It interesting to learn that there are various “grades” of the condition. But the significant thing which struck me is that it is only the least trivial version that does not require a driver to report his condition to the DVLA. But more significant than that is that the SA Trust makes no mention of continuing to drive once the condition has been reported. The danger here is that the court will simply deconstruct s88 and reach the same conclusion that I have. I accept, having looked at the DVLA guidance, that there may be (as far as they are concerned) scope for s88 to apply contrary to the conditions stated in the legislation. Firstly, we don’ know whether there is and secondly we don’t know whether the OP’s father would qualify to take advantage of it. Of course he could argue that he need no have reported his condition. The SA trust certainly emphasises that the condition should not be reported until a formal detailed diagnosis is obtained. But the fact is he did report it. As soon as he does that, as far as I can see,  s88 is no longer available to him. Certainly as it stands I maintain my opinion that he was not allowed to continue driving under s88. The only way I would change this is to see the end result of the DVLA exercise I mentioned above. If that said he could continue driving he would have a defence to the charge. Without it I am not confident.  
    • Right, my friend has just called me. He has indeed had to cancel bookings in the past from his end. There is a specific number for Booking.com that he calls.   After that Booking.com jump into action and contact you re refund and/or alternative accommodation. I suppose it's all logical - the party cancelling the booking has to inform Booking.com. So the gite owner needs to contact Booking.com on the cancellation number.
    • they are not FINES. you totally ignore all the silly fake civil restorative letters. they are totally powerless just the same as any DCA on any old debt. might be an idea to go have a chat with your GP in confidence as you recognise whats going on. dx  
    • pinging @Man in the middle looks to me you are on the correct track, you shouldn't need a sols. Programmable Search Engine (google.com) clickme^^ thread title updated dx  
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HSBCrusher v HSBC - The Battle continues.. claim 4 ready to go!


HSBCrusher
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Half.... Blimey, they offered me over 80% already. Back peddling now are they?

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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People all over are being offered the full amount, 80%, huh, see if I care.

 

 

Anyhow, this is the letter I will be sending

What do you guys recon on this???

 

Dear XXXXX,

 

ACCOUNT NUMBER: XXXXXXXX

I thank you for your letter dated 13th June 2006.

I wish to accept your offer of £XXXX as an installment towards the full amount owing, £XXXX, which if paid in full will cause me to cease my court action against HSBC

I am entirely confident that the charges imposed by HSBC are completely unreasonable, and that a court would agree with this statement.

 

 

 

 

 

 

Yours faithfully,

 

 

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50% / 80% - it still sounds like you're making progress. Any chance of a quick look at my 1st letter before I need to print it off (for posting tomorrow) and close down for the night?

 

Cheers :)

 

BTW - I can see why some 'newer' forum members post new threads (and get forcibly merged) - unless you good longer term members check every thread, you can't tell when we beginners are looking for a confidence boost, so POT LUCK comes into play. [Not a criticism by any means - just an observation]

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We don't need luck, just patience and perseverence.

 

Good luck!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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The only thing to be wary of by making a second claim is that if they don't close your account after the first, they almost certainly will after the second.

 

Perhaps you could just grin and bear the recent charge for now and then maybe take action in another four years or so (that way, if it reaches court you get the benefit of 8% interest anyway for four years).

 

OC

 

I have re-written my letter thinking about this issue, I am now sending this.

The additional money will now become a "goodwill" type leaver.

 

Dear XXX,

 

ACCOUNT NUMBER: XXX

 

I thank you for your letter dated 13th June 2006.

I wish to accept your offer of £XXXX as an installment towards the full amount owing, £XXXX.

If paid in full I will cease my court action against HSBC, and as an act of goodwill, not pursue the additional charges added to my account and accrued interest since 06/06/06, amounting to £XXX.

I am entirely confident that the charges imposed by HSBC are completely unreasonable, and that a court would agree with this statement.

 

 

 

 

 

 

Yours faithfully,

CRUSHER:mad:

 

 

 

 

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Changed it slightly, I don't think the last one was watertight.

 

I thank you for your letter dated 13th June 2006.

I wish to accept your offer of £XXXX as an installment towards the full amount owing, XXXX.

Only when the £XXXX is paid in full will I cease my court action against HSBC.

If paid in full I will not pursue the additional charges added to my account and accrued interest since 06/06/06, amounting to £XXX, as an act of goodwill.

I am entirely confident that the charges imposed by HSBC are completely unreasonable, and that a court would agree with this statement.

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Kicking a bit of ass there!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Hi again

 

so I do need to acknowledge and accept but only as a down payment ??

sorry if I seem pedantic but I really dont want to make any mistakes, I was unsure whether I could claim back my charges as I closed the account a year ago,but having got this far I would really love to stick it out and screw em !!! x x

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send a reply letter saying that you accept their offer , however you will continue to pursue the outstanding amout of charges as per your original timetable

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Hi again

 

I was unsure whether I could claim back my charges as I closed the account a year ago,but having got this far I would really love to stick it out and screw em !!! x x

 

The account closure makes no difference whatsoever, they were illegal charges, it matters not if they were incurred 6 years ago or yesterday.

Go for it, get every penny back!

 

Crusher:-D

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still nothing???

 

Just think - every day that goes past more interest added - 36p per day in my case!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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11th july for me

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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MY WIFE HAS JUST RUNG ME!!!!

PAID IN FULL!!!

WHO'S THE DADDY????

As soon as the money hits my account, I will be sure to make a donation!!!!

A big thank you to the website, and all the moral support I have got from all my new found freinds!!!

 

:D :D :D :D :D

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Thanks OC, I hope yours comes very soon.

there are loads of people I know who were waiting for me to complete my journey, and now hopefully they will also get back all the money they have had removed from accounts.

If you are reading this and have not claimed yet, I hope this encourages you to do so! :D

If your claim has just started, take heart, it will be ok in the end. :D

If your claim seems to be dragging, be patient, you WILL get back your money. :-D

 

Now, here we come captial 1, GE capital, etc etc...

no stopping me now!!!!!

 

:-D

 

moderated whilst we understand your annoyance we have to remove any comments that could be seen as libelous

 

THANKS! SORRY ABOUT THAT, JUSY GETTING VERY EXCITED! CRUSHER ;-)

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Well Done HSBCrusher

 

I have been reading through your fight this morning and its made me type and post my letter today, Ive also started with capital one, and then there is the long list to go through from the past 6 years.

 

Again well done for getting your money back and also for the inspiration.

 

Paul

Paul

 

HSBC - Letter requesting repayment of charges sent

Capital One - Letter requesting charges sent

Halifax - Pending

Virign - Pending

Egg - Pending

LIttlewoods - Pending

Amex - Pending

Abbey National - Pending

Barclaycard - Pending

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Yep mine came in today as well!!!

 

However, I'm refusing to sign the confidentiality that they are requesting!

 

Well done crusher!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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style="text-align: center;">  

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Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

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