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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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jmsterious vs Abbey


jmsterious1952
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Firstly, thank you to Reka and Deedee1310 for their warm welcomes to CAG in Reka's thread! I am sure before long I will need help with my claim and know where to come! :-)

 

I have followed the CAG guide to reclaiming bank charges of £3641.50 plus £850.09 interest, totalling £4491.59 (as at 24th May 2007) from Abbey.

 

I have today received a letter dated 13th July 2007 from Susan Anderson (Senior Customer Resolution Manager) saying she is HAPPY (really???) to refund £693, which includes cancellation of charges yet to be debited from my account, as a gesture of goodwill. The account will be updated within the next 10 working days.

 

I incurred additional charges in June which I intend to add to my claim as they fall within the 6 year time frame. Abbey were going to deduct another £80 in July which I assume are the charges they are cancelling.

 

I am going to use one of the template letters on the site to accept the goodwill gesture as a part payment but informing them that I am still going to pursue the balance of my claim.

 

My question now is do I go through the FOS which I know is now an alternative to the court action or will I get a better response from Abbey if I start the court action? I can use £120 of their goodwill gesture for the fees!

 

Any help/advice very welcome to collect the rest of MY money from Abbey!

 

Many thanks

 

June

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Hi June, it is really up to you, read up on a few threads and see how it all happens, when you compile your spreadsheet , when (if) they credit your account with the money that they say will be refunded then take them off the bottom of your spreadsheet in the form of a minus so that it takes it off and gives you a total figure

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hi Lula

 

Many thanks for your speedy reply - you are much quicker than Abbey :lol:

 

I used a spreadsheet from another site for my original figures but I note that there is a better one on this site so I am about to transfer the information over to that.

 

I feel as though I am over the first hurdle in that Abbey have actually acknowledged my "complaint" now and their part payment will make life a little easier this month.

 

I have also received a new cheque book after ringing to see if there was a problem. I normally receive a new one before the old one runs out, but not this time!

 

Thanks again and take care

 

June

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June, its not a problem, we seem to do alot of repair work from other sites, whilst they are very good up to a certain point, we can take it further, and as regards cheque books, Mr Lula has been waiting for a new multifunction card since the end of June and he is what they would term as a model customer

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Just a quick update!

 

I went online today to check my Abbey balance and they have refunded 13 x £30 charges and 5 x £35 charges totalling £565 of the goodwill gesture they wrote to me about on 13th July.

 

I am going to pursue the balance of the charges via the FO. I've updated my spreadsheet to include further charges incurred in June and will deduct their goodwill gesture from the total.

 

I'll keep you informed of any further progress.

 

Good luck all.

 

June

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