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    • while politicians trough at subsidised bars and canteens, claim thousaands in expenses while letting out their properties and tories vote to leave UK children hungry That ALL needs to stop
    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All, I'm new here!!

 

I have already sent my preliminary letter following the examples I found on the BBC's website and now am starting to receive responses from the banks.

 

However, I am a little confused as to how I should be responding and if there is a standardised template letter that I can use to follow the next step of the process.

 

To summarise, I have received one part offer from Barclaycard of £91 (£156 less than the owed amount) and a total rejection from Lloyds TSB (charges totalling £1,346)

 

My preliminary letter did not include interest charges as I wasn't aware that I could claim for these, so where do I now stand?

 

Is there any template letters I can use to send my responses and what are the next steps I should be taking?

 

I would appreciate any help as this is all quite overwhelming and the legal terminology and "threats" from the banks are fairly intimidating :confused:

 

Thanks in advance :)

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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Hi Michael,

 

WOW what a quick response!! Thanks for those links, I am slowly reading through these now :)

 

Am a little confused as to what Barclaycard's offer means. This is what they said:

 

I am sorry you feel the charges you have incurred are unfair. We beleive that our charges are both fair and transparent, and we make them clear in our terms and condidtions, and the reverse of every monthly statement.

 

In your correspondence you have outlined a legal argument which you say supports your view. As i am sure you will appreciate Barclaycard is aware of all the information you have drawn to our attention. I must inform you however, that we disagree with your legal analysis.

 

Putting the above to one side, as a goodwill and without any admission of liability, I am prepared to credit your account with the difference between the charges that you have incurred and the £12 fee. Please be advised that from 1st August 2006, Barclaycard reduced its fee to £12 following the publication of the statemnet by the OFT. This would amount to £136.00. The crdeit will be reflected on your nect statement. However, if your account is already closed, it will be neccessary for you to contact us to confirm your bank sort code and account number, this will enable us to process a refund to you.

 

Blah blah... it goes on.

 

Does this mean that I now need to send Rejection of settlement offer letter (letter 1)

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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Great, thank you :)

 

Sorry for sounding dumb! greatly appreciate the help :)

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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Ok, sorry to be a pain but i have a slight problem (I think)

 

My 1st letter was dated 31/05/07, but I sent it by recorded delivery on 02/06/07.

 

I then received a response dated 06/06/07 but this would have taken a couple of days in the post (and I was away on holiday from 07/06 - 12/06.

 

Today is 15/06/07, so in technicalities, where does the 14 day period end?!

 

And do I give them 14 days from the day I date my letter or from the date it was posted?

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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LOL!

 

All printed and ready to be sent tommorrow morning. They won't receive until 18th, so YAY!!!

 

Thanks so much all :)

 

Gonna sit back and wait on that one now :)

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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Share on other sites

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