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    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
    • Perfect. Thanks so much. I’ll get these printed and posted tomorrow 
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chrisplettuce v HSBC


chrisplettuce
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Ok, i'm a virgin here so please bare with me :) I'm about to claim back charges from HSBC (I just found out tonight the (edit) ******** charged me over £150 in charges this month alone) and wondered as my wife and I have both joint and single accounts, would the £10 charge cover them all or just for each single account? As we are with three banks I plan on hitting them all for the money they've (edit) off us over the years. Also, should I claim back further than 6 years or just for the 6 years?

 

Thanks in advance for any help you may give and also for this wonderful site :cool:

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Think the above post will be edited - please don't use potentially libelous terms. I know it is an emotive subject but you will get much better rfesults if you stay calm. You will also find that you get much better response if you post your thread in the HSBC forum

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As I understand it, the £10 charge would be per account although HSBC in a lot of cases have waived this.

 

If you read http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html#post712882 that should explain more about the 6 year limitations thing as it has recently changed.

 

Welcome to the forum :) We all get a bit emotional dealing with these...erm...whatevers...play an online game and blow stuff up, it helps believe me ;)

 

Any questions just feel free to ask, we're all here to help :D

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Hi Chris

 

If it was me I would send of a request for each of the individual account

£10.00 however They won't cash the £10. As they are obliged to send you the statements without charging you, I would say you will get a letter soon with the Original cheque. With a Copy of your statements as requested will be posted to you in the next few weeks after that.

 

 

in the mean time Just keep looking at the postings they will give you a feel for timescales etc just look at the dates of the individual threads.

 

 

It may fell a little slow to start waiting for statements, once you get them the pace pick us as you are in control not them

 

 

 

If it's any consolation the £450 in charges in 6 week that made my eyes water when I went through my statements.

 

 

 

If you do it step by step using the Guides then you do just fine..icon12.gif

 

 

 

Oyster

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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As I recall, they CAN charge for providing those statements under the DPA, they just choose, for whatever reason, not to in a lot of cases.

 

Oyster, that £450 would make my eyes water as well...well harsh tbh

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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TBH, I think a lot of peeps will be surprised when they got through the statements as to what they get charged if they are / were like me head in sand motiv - Not any more got it sorted now.:-)

 

Oyster

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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Yeah I was a bit like that as well until someone mentioned it on the school run one morning.

 

MS Excel is great for working stuff out as well as you go along through the statements, although I wish I'd used the one on here now.

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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we've all been at that stage of 'despair'!! then we get the idea placed in our heads from 'whatever' source to get even. and bwoy what a feeling when that cheque/credit in the a/c comes your way - we win... simple as that!!

 

key is... do your homework so you understand what you're doing, don't be impatient - after all, you are claiming for money that you thought you'd never see again, and ask as many dumb questions as you see fit!! better to have asked the question than to try and correct a mistake after the event.

 

good luck... we're here if you need us!

If i've been helpful in any way....then tip my scales over there!

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Appologies for getting emotional everyone, it just really :-x me off you know. I had a bad patch last April where I was diagnosed with chronic prostitus and had to give up a very well paid job (well, very well paid to me anyway) and I have been stung something terrible with charges on both my bank accounts and also my credit cards. Can I also get back the charges for my credit cards?

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