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    • 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
    • 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.
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Chris v MINT (New Case)


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Hi

 

I claimed a repayment of charges which came to £220 and have been offered £80. I have rejected this and sent the Letter Before Action which produced the same offer of £80. I am now about to start the Money Claim Online process. Can any of you tell me how they have got on at this stage and beyond? I would be very surprised if RBS would contest the case given the small amount.

 

Thanks

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my claim is for considerably more but i recently filed MCOL - RBS acknowledged and asked for 28 days and have just submitted a defence (27th june ) - through their solicitors Cobbetts who are now asking for more info - on searching the site this is not uncommon but it is a bit scary!

 

good luck

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I used the Customer Services Dept which is:

 

Cards Customer Services

PO Box 6050

Southend on Sea

SS99 1WL

 

They replied reasonably quickly but from my experience so far (and that of others looking through this site) is that they initially offer to repay the difference between their old charges and the new £12.00 charge, so this will equate to an offer to pay back about one third of your claim. I rejected this offer and then sent the Letter Before Action which came back with the same offer. I am now about to submit a claim through MCOL. It would guess that you will automatically get the same first offer that I and others have had, but I have not seen any how MINT (RBoS) have reacted once a claim to the coursts has been submitted; any links would be appreciated!

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I'm a bit confused about what interest to add to my court claim. Could some one please advise??

 

-Initially I simply asked MINT for the charges to be repaid without any interest.

-Can I at this stage now add contractual interest and compound it (I was going to use 16.9% which others seem to have used)?

-The account was closed a couple of years ago so do I calculate up to the closure date or up to today?

-After calculating this, can I then also add the 8% statutory interest?

 

Your words of wisdom would be appreciated!

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Hi Chris

 

I've just sent off my prelim letter to Mint today.

 

Like you I'm going to add contractual interest (16.9%) but you don't do this until you go to court. I would say you claim up until today as they still haven't paid you the money back so it's only fair they are charged the interest until they finally refund you.

 

No you cannot charge the statutory 8% on top of that. It's either contractual or statutory.

 

Good luck!

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Im at the same stage, had one offer of about a third, sent LBA and then got the same offer, so doing MCOL next week as soon as im paid.

Abbey - Claiming £4,044.82:lol: offered £4,170 - accepted:) :) :) :)

 

Mint - Claiming £769.71:lol: offered £217 - declined

 

NatWest - Claiming £272

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Good Luck with it Chris, i know this point has passed, but as far as i was aware, regarding the interest, it was only bank accounts that you had to wait for Court before adding interest, you can ask for contractual interest from the beginning of a credit card claim :)

 

I might be wrong but i dont think i am and have claimed contractual interest from day one on all credit cards ive done :)

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I added contractual interest and with the court fee it has nearly doubled the amount of the claim. The claim has been acknowledged by RBoS and they have said that they intend to defend the claim. I can't imagine that they are going to send a solicitor out into the sticks to defend a claim for a couple of hundred quid.

 

What I have struggled to find on this site is examples of what MINT (RBoS) have done previously with smaller claims like this. Has anyone found any examples??

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Best place to look is the RBS successes forum, once there, click SEARCH THIS FORUM and search for MINT. Should be plenty of other claims in there ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Just to follow on from Wed's point, I wasn't aware you had to wait until court to claim contractual on a bank account?

 

It's statutory interest that can only be applied at court stage - the 8%.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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To be honest I am not 100% sure either way. From what I have read, I understand that you can only claim Statutory Interest (8%) at the court stage but that you can claim contractual interest when making the initial claim from the bank or credit provider but that you cannot claim both. With my claim against MINT I added intrerest at the prevailing rate which was 16.9% and compounded it from the date the charge was applied up until the month of the claim.

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Yes that's correct, the point I was making was that you can do this with bank accounts too.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Nearly there, received a cheque which was meant to be in full settlement of charges plus interest and the court fee. Unfortunatley somebody at RBoS can't add up and it is £20 short so I will be asking for that as well before withdrawing the claim from the court.

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  • 3 weeks later...

RBS responded straight away to the MCOL by indicating that they would defend the claim. I would imagine that this is an automatic response as it gives them more time to assess each case. A coupe of weeks later, RBS's offer letter to me (and also confirmaed during a conversation that I then had with the person handling the claim) stated that it was not economically viable to do anything other than pay it in full. The person handling the claim said that he would not even be checking my interest calculations because it was just easier and quicker to pay up than spend any more time over it (the whole claim was for less than £300).

 

They almost certainly have a monetary threshold or certain criteria where they will defend, make life difficult, use a solicitor or indeed go to court but my claim clearly fell below these levels.

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