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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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Hugo07 v Abbey


hugo07
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Hi, i sent a email to Abbey yesterday like the one Jules and kev (hope you dont mind) sent to let them know i would be handing in my N1 form shortly and received and reply from the Mena address.

 

It said:

 

Hello *********

Thank you for your recent communication to Mena Gill, who has referred your correspondence to our Complaints team to arrange a response on her behalf.

 

So that we are able to fully investigate and respond to your complaint, please could you supply us with further contact information, including your full postal address. Once we receive this information we will provide you with a full response within fifteen working days.

If you need to speak to an advisor about this issue in the meantime, please call.

 

We look forward to hearing from you again soon.

 

Regards

 

Fiona Merchant

Abbey Customer Services

Did anyone else recieve an email like this?

Hugo

 

 

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Hi all, i have been trying to decide what route to go down as to recovering my bank charges...courts...financial ombudsman...etc

 

I am considering the financial ombudsman as i am rather scared of losing the court fee if i loss via the courts which i cant afford to really loss and was wondering what you guys think of the financial ombudsman route?

 

Any advice would be much appreciated.

 

Hugo

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Well i have heard that it does work, but i have no experience of it, you wont loose, if they are legitimate charges you will get them back plus 8% plus all court fees, I am not sure that you will get the 8% with the ombusdman

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Well you wont loose and you wont loose the court fee either, also, if you are on benefits or paying the fee with cause hardship you can file for free or have it commuted, take a look at the mcol website for more details

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thanks, im not on benefits or anything just not feeling to confident with my claim. I keep reading up on the process and instructions etc but knowing my luck the judge would take Shabbey's side!!!

 

Thanks again!!

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LOL Hugo, we all feel like that at some point, well they havnt so far so why should they start with you, look above, right at the top

Total Bank Charges Returned : £15102130 to 8906 people.
and these are only the ones that have bothered to complete the survey lol

 

You have a fine back up service here and as long as you are not completely stupid, then you will be fine, and you found us didnt you, so you aint stupid ;)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hi Hugo,

It is entirely your choice. If you did decide to go down the N1 route, then you are extremely unlikely to lose your court fee. I haven’t heard from this website or the news of one person losing against Abbey. (otherwise they would be gloating about any wins in their letters).

Good luck with whatever route you take. People have gone down the Ombudsman route and won all their money back, and I have heard that if you do not get your money back via that route, you still have the option of the Court route.

You will be fine Hugo, you will gain so much more confidence at each step ( I have gone from a gibbering wreck to someone who can now put together a letter to them) and you will be the same.

Keep us posted with your developments.

Julie xxx

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Hi Julie, thanks for the advice! Just to keep you all up to date I have decided to go down the N1 form route so I just wanted to confirm a few questions are correctly filled in please so i can send th form of asap.

Notes – amount claim £303.50

Interest TODAY £ 67.15

Daily rate of interest – 303.50 x 0.00022 = 0.67p

On the value part:

Charges £303.50

Interest under s.69 county court Act 1984 £ (total interest amount on day of claim)

Court fees £ 50.00

Total £ DEPENDING ON INTEREST ON DAY OF CLAIM

Plus interest pursuant to s.69 county court Act 1984 from date of issue to dare of judgement / settlement at £0.67 per day or at such rate and for such periods as the court deems just.

Many thanks

Hugo

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On the N1 form it asks for defendant and then at the bottom of the page it asks for defendants name and address so am just wondering should I put in the defendant(s) Abbey and their registered address and then at the bottom were it says defendants name and address should I put my local branch address or not or vice versa?

 

Any help much appreciated.

 

Hugo

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Hi Hugo

 

You need to put the Triton Square address in both parts - seems stupid, I know, but there you go!

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Please please please could somebody advice as I am really struggling with including interest – out of all my charges Abbey only gave me full dates (day/month/year) for only two of all the charges.

The full dates were given on the microfiche style papers and that’s how I know to of the full dates. So am really struggling to work out what day to put in the interest calculator. As I had no charges in the past year there are no charges on the duplicate style papers so I can’t even look up them dates to see what period of the month they tend to fall on.

On the Microfiche style papers the two dates I do have are 29/12/00 and 03/11/03. Im sure my charges used to come out the beginning of the month should I am assume maybe all the charges prior to that would fall on around the 3rd of each month also and the 29th date was just amended early maybe due to cover the new year period as it would have fell during the xmas / new year?

 

many thanks

Hugo

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Hi there, I wonder if someone could give me a bit of advice. Last year I went through the process, and sent the LBA. In September 2006, Abbey refunded approx £750 directly into my bank account (my full claim was for approx £4000). However, due to a lengthy spell of ill health, I still haven't filled in the Small Claims Form. My question is this, because of the length of time that has passed since I sent my original LBA, do I need to send another, or do I just fill in the Small Claims Form and take to the Court.

:confused: Chrisdol

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Thank you! Should i state in the claim how i came to these dates or not? I did write a letter to Abbey months ago questing why they failed to provide full dates and gave them the opportunity to send me them all and they didnt! so i did try!!

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Should i state in the claim how i came to these dates or not?

I wouldn't bother. Without any info at all it would be reasonable to use 1st ,last, or middle day of the month ( well, actually any day as long as it was consistent). The difference in interest will be too tiny to worry about.
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Great thank you very much! Thats cleared that up for me!!!

 

Does anybody have a tel number for putting on the N1 form that i can put alongside their registered address for the defendants section please?

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