Jump to content


  • Tweets

  • Posts

    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
    • So, why do DVLA (via that leaflet) say 1) that S.88 MAY allow a driver to be treated as if they have a valid licence (after an application that discloses a medical condition) AND   2) before DVLA have reached their licensing decision ? (Since S.88 ceases to apply once they have reached a decision to grant or refuse a licence)
    • 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.  
    • Americans are already keen on UK-made coins, and the Mint said it has seen a 118 per cent increase in sales to the US since 2022.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

glav v northern bank


glav
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6152 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

  • 2 weeks later...

Update folks, received SAR information on Thursday, that was quick, they only received request on 7 May. Now i am horrified to discover that my charges amount to almost £6K, I knew it would be a significant amount but didn't think it would be that much. Now as I live in Northern Ireland and the small claims limit is £2k, I need advice big time. Do I ask for the whole amount initially and then if I have to lodge court claim split it, or do I split it from the start? Help!!!

 

glav:confused:

Link to post
Share on other sites

In answer to your question, you could split the claim into handy £2000 chunks, but you must see each £2000 claim through to completion and settlement before starting the next one.

 

Dont start three £2000 claims all at the same time or the second and third will be chucked out as an abuse of process.

 

**IGNORE THIS INFO-NI COURTS VIEW THIS AS AN ABUSE OF PROCESS- ANOTHER EXAMPLE OF HOW WE ARE DISADVANTAGED BY THE NI SYSTEM**

Link to post
Share on other sites

thanks noomill, haven't included interest at all at this stage, would be happy enough just to add 8% statutory interest at claim time. Will have to spend some time doing spreadsheets to divide the years up into tidy chunks.

 

glav:)

Link to post
Share on other sites

I live in Northern Ireland and the small claims limit is £2k

 

Does NI have the equivalent of Fast Track and Multi Track? If they do, you might want to consider going that route with one claim.

 

Steven

 

If this post is helpful, please click the scales

 

 

Link to post
Share on other sites

Steven

 

For a claim over £2k, you must issue a civil bill, dont' know a lot about this, have some reading to do, but do know that you can't do it yourself and need legal representation.

 

glav:)

Link to post
Share on other sites

  • 2 weeks later...

Hi all

 

Quick update, sent prelim letter to northern bank on 1 June recorded delivery. Having read around this site and threads from others who have also claimed from NB, their typical response is to write back saying they will reply within 20 working days. This is within timescales for prelim and LBA so I have asked for full amount initially (£6k) and will consider legal route depending on what response I get.

 

glav:)

Link to post
Share on other sites

Nishields, thanks for the words of encouragement. I suppose I hope that they will settle quickly and I can avoid the dilemma of whether to slpit claim or consider other options.

 

glav:)

Link to post
Share on other sites

Hi John

 

I am becoming aware of this as I have been doing a lot of reading. Given the amount of money at stake, I will seriously consider filing a civil bill, I am aware of people who have successfully done this themselves without using legal representation.

 

glav:)

Link to post
Share on other sites

Well, as predicted, letter back from Northern Bank today saying my "complaint" is being investigated and I will have a response within 20 working days.

 

glav:)

Link to post
Share on other sites

Hi all

 

Received response from NB today so that was pretty quick. They have made me an offer of £3200, this is just short of 50% of my claim. I am now going to send LBA and combine rejection of their offer, any thoughts on how I could word this? I would be prepared to settle for no less than 95%, but do I show my hand just yet? Any advice greatly appreciated. I have just won with hubby's MBNA account and got letter of full settlement today from Capital 1 so am on a roll and will go the whole way with this one if I have to, too much money at stake.

 

glav

Link to post
Share on other sites

Hi Glav,

 

Sounds all too familiar..... If you're willing to accept 95% for a quick and easy settlement, my only advice would be to ask for it! They'll save 5% of £6k or £300 plus the fees and interest so any savings are a plus to the bank against a full payout. letter i used to get settlement for work colleague was doctored a bit from money saving expert and readings on here but went as follows:

 

Dear Sir or Madam,

Re. Account number: **********

We refer to default charges applied to our account amounting to £2305.63, which we have requested you pay back.

We wrote to you on 01.05.07, making the original request for a payment in settlement of our claim. As we do not consider your offer of £950 in settlement of our claim satisfactory, we are writing to inform you we intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as we believe these default charges are unfair and not proportionate to your costs, and therefore the NI Small claims court will rule in our favour.

We have attached a full schedule of the charges and interest with this document.

 

Without prejudice

The charges and interest we have claimed above total £2305.63 However, if you are prepared to pay to us £1750.00 within 14 days of the date of this letter (and, for such purpose, time shall be of the essence), we are prepared to accept this lower figure in full and final settlement of our claim and interest.

We look forward for a full response to this letter within 14 days, otherwise we will commence court proceedings to reclaim our money.

This letter got a result, good luck whatever you choose!:)

Link to post
Share on other sites

Well, LBA hand delivered to NB post box this morning, clearly rejecting settlement offer and giving Mrs Manager another14 days and then it's off to court I go. I did say that I was not prepared to meet with her as our relationship had broken down to a point where she closed account at the end of April, but did say that in an effort to negotiate and avoid wasting court's valuable time!!, I was prepared to accept 95% of claim. Also pointed out that if I filed in court I would then be entitled to claim stat interest and court fees, will be interesting to hear what she comes back with.

 

glav:-)

Link to post
Share on other sites

I have had a offer from the Northern of half my claim I am sending the next letter asking for the full amount or court action will be taken. The bank would not be offering this money if it thought it was in the right would it?

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...