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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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*mango* v Lloyds


*mango*
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helo every1....i was recomended by someone to visit this forum...it looks very helpful...:)

 

I want to claim my bank charges back from LL tsb....right now it stand for about £1000, ive asked for my charge statements...& there here..

 

BUT now what do i do?

 

can someone briefly care to explain how the procedure may be? just a short one?:oops: ...i dnt know much about law & policies....& i have tried to find guides on this forum....but was unable to find strict guides from the begining....:oops:

 

Some1 pls help me out.....what do i do with the statements now?.....& whats the procedure?..whats the next step for me?

 

PLEASE :)

 

*i am waiting for your help*:)

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helo every1....i was recomended by someone to visit this forum...it looks very helpful...:)

 

I want to claim my bank charges back from LL tsb....right now it stand for about £1000, ive asked for my charge statements...& there here..

 

BUT now what do i do?

 

can someone briefly care to explain how the procedure may be? just a short one?:oops: ...i dnt know much about law & policies....& i have tried to find guides on this forum....but was unable to find strict guides from the begining....:oops:

 

Some1 pls help me out.....what do i do with the statements now?.....& whats the procedure?..whats the next step for me?

 

PLEASE :)

 

*i am waiting for your help*:)

 

Hello and welcome :D

 

What you need to do is read the FAQs and the step by step instructions linked in my signature. These will guide you through the process.

 

You need to complete a schedule of charges using the link here the send the prelim letter here

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thank you so much for replying

 

so the next step is sending a prelim letter? with a schedule of charge?

 

pls somebody...

 

Yep thats your next step send the prelim letter with a schedule of charge from that they have 14days tp reply.

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Yep thats your next step send the prelim letter with a schedule of charge from that they have 14days tp reply.

 

ok....just so i dnt make a mistake....

1) the letter template & schedule templates on this forum....DO i use them in exact word-for-word with blanck 'bits' filled in?

2) i really dnt know how to work out the 'APR' 8 % interest bit on the scedule of charge bit.......can some1 show me a example pls or tell me how? :-|

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1.the letter template on this forum & schedule of charges lloyds sent u with all your charges on.

2. U cant claim the 'APR' 8 % interest just yet untill u start a court claim thats after u have sent them your LBA letter.

 

This link should help u out: Step by Step Guide

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

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Try this as well

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

I would advise you to read through the other posts as well as the guides that are available to get an idea of the process and what you need to do.

Redfaze Vs Lloyds TSB ***WON!!*** Settled out of court for full amount including interest and court costs:)

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Try this as well

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

I would advise you to read through the other posts as well as the guides that are available to get an idea of the process and what you need to do.

 

thanks....

 

i do a lot of telephone banking.....& ive noticed...ever since i asked for my bank charges....they NOW have this 'option' before they put me through to the operator saying 'if you want to discuss regarding your bank charges...pls press 1 to speak to someone'......LOL....

 

they probably know im on my way......

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OMG.....i also have a credit card with LLoyds......would that do any damage to my claim for the standard bank account charges? i sometimes have late payments for the credit card.....what if they say.....if they pay up....that i have to pay their credit card in ONE LUMP ? will they?

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as some of you may have read my other thread...ive got my statements from them now......im just wondering...does it matter HOW you got your statement?

 

BECAUSE....i just phoned them & they sent it within 40 days.....i DIDNT use they template from this forum to recieve it.....

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If you got your statements on yther back of phone call then well done you.

 

The problem comes if they had not been received-you would then have had to prove that the was made and they may well deny it.

 

So at least if the request is done by letter(sent recorded) then at least you will have documentary proof of the request along with the receipt of posting.

PPMAN159

 

If this comment has helped please click on the scales.

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Im pretty sure that the CC agreement will not be affected by any settlement you may receive. These two parts tend to be run seperately and you will not have to pay off the credit card, unless you are outside of your terms and they may ask you to go for a review.

 

Go ahead, delete the 8% and off you go!

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ok..along with my past 3-4 months of charges ...i can start the process?

 

also...would you also reply in my other thread.....i have several questions there....thanks

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As you have the statements you can start the process.

 

Send them the preliminary letter requesting repayment and give them 14 days to respond.

 

If not reply is received to that,then send the Letter before Action, again give them 14 days and if no joy then issue the court claim.

 

Good luck

 

PPMAN

 

PS.

 

I think that I have replied to your other post already.

PPMAN159

 

If this comment has helped please click on the scales.

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ok guys...ive been very nervous about this, but now ive decided that within this weekend i will send my prelim letter with the charges. :cool:

 

i need a little help though......:smile:

 

1) do i keep the red bits in the prelim letter red...when i print it? (sorry im a little slow in these fields):rolleyes:

 

2) im actually not sure if lloyds ever put a 'default' in my account......SO do i still keep that 'default' paragraph in the prelim letter?

 

3) i dnt understand the difference between the 8% APR & the cont'''' one....can some1 explain pls in laimans language..:-) pls

4) how do i save the excel format in order for me to fill it in & print? ? ? im so confused

 

please & thank you again.....i am trying to write the letter now....i mean fill it in..

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found it, dont worry. only question, where do i send it? what address.

 

(i dnt know because when i asked for mine, i asked for it over the phone THEN i came accross this forum)

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ok guys, its probably annoying that i have created a few threads now, & im sorry. :(

 

but the problem is firstly i cannot find my 'old' thread.

 

secondly, a few of them are question - nothing got to do with my 'case'

 

and thirdly, ive been searching & serching for some info's & i cannot find it. therefore i tend to ask you guys, by opening a thread.:(

 

i find, ppl read my thread, & dnt respond. (is it becos of my user name?:confused::Cry: )

 

ok,,, i cannot find the excel sheet where you write your charges in. & the address of where you send the s.a.r & the prelim letter.

 

PLEASE reply.......

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