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    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
    • Perfect. Thanks so much. I’ll get these printed and posted tomorrow 
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Evo02 V Lloyds TSB


Evo02
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I have sent off the DPA letter along with the £10 fee.

 

I recieved a summarised version of statments today. Just listing all charges that have been imposed on the account.

 

They said they will provide me with a full set of statments if I want which will take up to 40days.

 

Is what they have provided good enough?

 

Also it says that I have recieved for example a Charge with description "Unpaid D/D" for £280.00DR. This was long ago so I can not remember it. Is this a £280 fee which I can claim back or is this the amount that bounced?

 

Regards Evo02

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Well its says:

 

DATE ______TYPE __DESCRIPTION ______CR/DR___ SHEET NO.

01/11/2005 _CHG ___UNPAID D/D _______280.00DR ____55

01/11/2005 _FEE ___ACCOUNT CHARGE __10.00DR _____55

 

Surely they aint put a £280 bank charge on. Surely thats the amount the Direct Debit was and the bank charge is the £10. But then £10 does not seem like enough?

 

Regards Evo02

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Hi Evo...

 

Are you sure it's a £280.00 charge for an unpaid d/d... or is this the unpaid d/d amount and the charge is followed later???

 

If it is... it's worth claiming for that by itself!!! :D

 

Also, try and push for the actual copy statements. If you read through this thread, it will enlighten you as to why!!!....

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/92638-mciavelli-lloyds-tsb.html

 

Best of luck. :)

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Hi

 

I had the same thing; I am fairly certain this will be several DD's returned on the same day; the best way to find out is take a single returned DD to find out what they were charging at the time and then divide the £280

 

Best of luck

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Oooo.... crossed threads!!

 

I think to clarify this Evo, you need to look at the whole list and see if there is a pattern... ie: charge/fee, charge/fee, etc.

 

I know that LTSB did charge a £10 penalty, as I had plenty myself!!! However, mine were dated 1999-2001. I had a good year in 2005 and avoided any penalties at all!!! :)

 

Also, as I already had all my statements, I didn't get a list of charges, so I can't refer back to them!!!

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Hi,

 

I had pages of charges sent to me instead of full statements, but they were fine. Anything that says CHG is definitely the charge for the missed direct debits, when they return more than one they tend to lump it together in the same month. It's funny as they say they don't charge more than £90 in a month I think? (correct me if I'm wrong guys). Just one of my charges was detailed at £370 in one month, about 10 returned direct debits (oops), but they only sent me one letter as well!

Fzrkitten

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So are you saying that that the figures I have got for £280, £190, £90 and the rest are the lumped together bank charges?

 

But they have all got a fee below each of these charges around £10???????????????

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any has anyone got a definative answer as to wheter I should ask for the full statements or are the list charges provided good enough?

 

They have taken my £10 so it will not cost me any more, but they have said it will take some time?

 

Cheers Evo

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The account charge - have you got a platinum / select account something like that? That will be the monthly fee they charge you for having a specific account and is NOT claimable.

 

The charges, yes, are lumped together so the £280 will be for numerous failed DD's in that month.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Evo...

 

Did you read through the thread I linked to above??

 

This chap got his charges through as a list (like you) and only realised that he needs the original statements now. He has a court date and is panicking to get hold of copy statements before the hearing.

 

Also, they will have the definative answer to your "is it or is it not a charge" problem!!!! Two birds with one SAR!!!!!! :)

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