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    • 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.  
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Muffintop N Nailard V Lloyds Bus Acc


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Going for the business account but its not as clear as the personal account. can someone advise me whether one can claim for the service charges and the interest incurred along with the penalty charges? know that I cant claim back the arrangement fees as they were agreed. tnx skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi

Sorry I don't know, see if this helps:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

 

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi

Sorry I don't know, see if this helps:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

 

Good luck, let us know how you get on.

Barty:)

tnx Barty for taking trouble to link this to me. skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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  • 1 month later...

this thread has been quiet as I was doing my financees personal account with Lloyds and its drawing to conclusion. I didnt want to do two claims at the same time until I knew what to do with Lloyds. Im now ready to rock, this is a business account so thought it would be harder but its a sole trader business account and I read that its the same principle as a personal account.

Going to do the LBA and post it off tomorrow and get those 14 days out of the way will update when get to court stage.

skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Going to do the LBA and post it off tomorrow and get those 14 days out of the way will update when get to court stage.

skeggsy

 

 

Hi skeggsy...

 

I will be watching your thread as I too have a bus a/c with LTSB which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!). :)

 

I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets.html

 

Best of luck, keep us informed. :)

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Lba went off today 14 days countdown

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi skeggsy...

 

I will be watching your thread as I too have a bus a/c with LTSB which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!). :)

 

I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets.html

 

Best of luck, keep us informed. :)

 

thankyou for the link, the bus account is a sole trader acc and not a limited company, did read that this is pretty much the same as a personal account.When you say about the CCA I guess this would affect the POC when I do it? and worse case any bundles for court if it got that far? skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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thankyou for the link, the bus account is a sole trader acc and not a limited company, did read that this is pretty much the same as a personal account.When you say about the CCA I guess this would affect the POC when I do it? and worse case any bundles for court if it got that far? skeggsy

 

skeggsy...

 

Whilst the whole procedure is "pretty much the same"... I believe that a business a/c, whether sole trader or limited company, is outside the "comfort" of the CCA. As far as the pre-lim and LBA are concerned, it's avisable to leave out any refs to the CCA, but it won't destroy your case if you do.

 

Certainly at the POC stage, it becomes important. As I said before, photoman and the others on the above thread will help with any queries!!

 

Any help I can give, just shout!!

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  • 2 weeks later...
Hi skeggsy...

 

I will be watching your thread as I too have a bus a/c with LTSB which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!). :)

 

I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets.html

 

Best of luck, keep us informed. :)

 

just won on his personal account by the way so full steam ahead with the business one now.skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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skeggsy...

 

Whilst the whole procedure is "pretty much the same"... I believe that a business a/c, whether sole trader or limited company, is outside the "comfort" of the CCA. As far as the pre-lim and LBA are concerned, it's avisable to leave out any refs to the CCA, but it won't destroy your case if you do.

 

Certainly at the POC stage, it becomes important. As I said before, photoman and the others on the above thread will help with any queries!!

 

Any help I can give, just shout!!

passiveno more. I want to get the full poc done so can be ready to file in cc. Did you do a full poc via N1 and is there any differences other than above I should add or take out of the standard extended Poc?

skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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passiveno more. I want to get the full poc done so can be ready to file in cc. Did you do a full poc via N1 and is there any differences other than above I should add or take out of the standard extended Poc?

skeggsy

 

Hi skeggsy...

 

I haven't actually filed the business a/c yet, as I was waiting for personal a/c to be settled. However, in light of the OFT case, I'm now thinking of filing very soon. I know that people have posted their POC's on the link I posted above, so I was planning to use these and the new LTSB POC's that have just been posted (have you seen them?) to draft my own.

 

Photoman has just posted on your other thread and he would be a great asset to have, so try and get his attention again!!!

 

By the way, as your other thread shows why, I will certainly be filing N1 as opposed to MCOL!!! :)

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great keep in touch... dont understand what you mean by the latest OFT case? is there something Im missing, is time running out to claim back? skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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great keep in touch... dont understand what you mean by the latest OFT case? is there something Im missing, is time running out to claim back? skeggsy

 

skeggsy... where have you been the last couple of days... in the harlequin spending OH's winnings?!!!! :D

 

There seems to be a bit of confusion with the test case, as it is supposedly only concentating on personal a/c's, but other threads are saying ALL claims are likely to be stayed. Still unsure, but not doubt things will become clearer in the coming days.

 

As the outcome will probrably effect the limitatons argument and my business a/c claim will go way beyond 6 years, this has been the reason behind me wanting to get my claim into the court system ASAP.

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thanks Passive, do you know if there is somewhere I can download the recent activity with oft?? yes been off the planet for around a week, working during day and reading up during eve and trying to get the extended pocs done for next week (obviously dont need it now this time), did hear a rumble of something but wasnt really sure what it was about. So what is the long and short of it? not claiming pre six years on the bus account with Lloyds but was going to have a go pre six years on my nationwide personal acc. Is it something that is going to affect everyone claiming then or a way for the banks to settle up without all the wasting time? thanks for flagging up to me. skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Right...

 

There are threads on site covering the OFT case, but are full up with speculation, rumour and occaisional helpful comment!!! I think the only worthwhile link at this moment in time is the one nic posted. That said, here's another!!

 

http://www.consumeractiongroup.co.uk/forum/general/107548-office-fair-trading-test-18.html#post1038206

 

Basically, the OFT, FSA and the main banks have agreed to start a test case (as of last friday). The OFT have agreed to the banks request to APPLY for stays in any current claim. It is up to the court to grant the stay or not. These stays will then be in place until the end of the test case, when the outcome will be applied to any pending cases.

 

This does not stop anyone from starting a claim in the meantime and if stays aren't granted, I think the claims will continue as before. Banks who are not participating directly in the case have agreed to be bound by the outcome.

 

The case is to be centred around the UTCCR, which forms a big part in all claims, apart from business accounts, which couldn't rely on these anyway. This being the case, it would seem that business claims could carry on, but it has been reported that all claims will be affected... this will hopefully become clearer in the next few days.

 

In the long term, it will hopefully be good news for all ptential claimants, as it will undoubtably settle some issues relating to penalty charges. However, many will have their claims on hold for quite a while (anything up to 2 years depending on who you talk to!!!).

 

I hope this makes sense to you skeggsy... I've tried to give you the facts, but there's so much going on, I am still a little confused myself!!!! :confused:

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thanks so much watch this space then.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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I'm also claiming on my business account (sole trader) and just had some advice from GaryH; see this link:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/105794-broke-dave-ltsb-business.html

 

post #12

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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thanks broke dave, can you tell me are you filing via mcol. or full n1 via court. I have learnt from the problems encountered with my personal lloyds account filed via mcol, going to do it properly from the start this time and that means it wont go to st albans cc. I am looking for a full poc for a buss sole trader accaount. have you done yours and can you assist me.skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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I think I've answered some of this on my thread. I, like you, went MCOL first time. This time I will go N1 route. Got to get through LBA first. 14 days and counting.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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ok thanks going to print off your thread so can read it properly and digest. counting down together then did my lba on 16th july! getting ready for the full poc to file on N1. skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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thanks passive, i have printed it off to takea look at and compare to the poc which was earlier in that thread, been reading that thread all night and printing off info for my buss claim so will have to read it 2moz but I am not an expert with pocs at all. thanks for linking me in. skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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does anyone have the t and c s for lloyds tsb buss account from 1993? skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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