Jump to content


  • Tweets

  • Posts

    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cheekiness towards a DCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5007 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

4th floor, St Katharine's House,

21-27 St Katharine's Street,

Northampton

Northamptonshire

England

NN1 2LH

 

DX 702885 Northampton 7

 

Her Majesty's Courts Service - Home

 

this is were u can find out court info.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • Replies 8.2k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

aint it bout time some one lost their tea towel again, or perhaps brought a new gingerbread "person"

  • Haha 1

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

Link to post
Share on other sites

well we would do Mr M but i dont think the DCAs are calling anyone.

 

I know all we seem to be getting is calls asking to speak to XX person @XX prison.

 

I no there is a over crowding issue but when was a 2 bed house turned in to a prison and how much are they paying us.

 

All tho they also dont seem to get the message that the owner of the phone is my OH and not a prson person. Keep calling at all times a day ranging from 3am to about 7pm.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

I am a recent member to this site and have been feeling very depresssed and anxious about my debts

I have luckily received sound advice from some wonderful people on here

 

I have spent most of tonight reading this thread (look at the time) and I have not laughed to much in ages...... Thanks to all posters on this thread for cheering my other-wise gloomy day. Reps awarded to all when system will allow me

 

Well I thought at least some-one would reply to me

Not to be OK - No Problem

**Hides back in the dark corner awaiting for the next DCA to ring

Link to post
Share on other sites

Well I thought at least some-one would reply to me

Not to be OK - No Problem

**Hides back in the dark corner awaiting for the next DCA to ring

 

Hi Vincent!!

Did you have a question that has gone unanswered? Cant find it.

By the wat if the rep was from you thanks very much and take one back!!

Link to post
Share on other sites

well we would do Mr M but i dont think the DCAs are calling anyone.

 

.

Cabot are calling me daily despite me serving them with a S10 Data Protection Letter.

Link to post
Share on other sites

well is that not harassement?

 

just give them one of your tea towel convos that should help them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

I like to confuse them.....

When they ask me my surname

I ask them which one do they want

Maiden, Married, Divorced, Bigamist,

Or living in sin (Do you want his surname)

 

It only works for females I think

But Im sure one of you blokes can come up with something better

Link to post
Share on other sites

I like to confuse them.....

When they ask me my surname

I ask them which one do they want

Maiden, Married, Divorced, Bigamist,

Or living in sin (Do you want his surname)

 

Bet it wears out their crayons writing all that lot down!:-)

Link to post
Share on other sites

Cabot are calling me daily despite me serving them with a S10 Data Protection Letter.

 

 

My s.10 notice had the same effect on Cabot i.e. none whatever. I suspect that all you can do is start proceedings to force them to comply or respond. They have an office not far from you and I, incidentally - it may be worth finding out if a complaint can be submitted to them.

Link to post
Share on other sites

ODC, why not send them an invoice for all your time etc and then get a DCA to chase up the nonpayment!!

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

Link to post
Share on other sites

Excel that is a good one.

 

Dont think it will work as ODC wont get what money ODC wants for the debt as they buy them at a reduced rate and that would mean ODC losing moneyand i dont think ODC likes lossing money.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Hi, are there any good ways to be cheeky to DCAs in writing? Or cause them the maximum hassle possible?

 

Yes, use the law and when they don't comply, invoke their complaints procedure - when you are not satisfied with that, get the FOS involved (who will charge them for the privilege of investigating) and report them to TS.

 

That usually gives them a little headache.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

I checked the FOS website and they say that in 2008-2009, the first 3 (or 4?) complaints each company has will be handled for free, thereafter each complaint will be 450 quid. I wonder how many complaints MC will have had so far this year...

Link to post
Share on other sites

Yes, use the law and when they don't comply, invoke their complaints procedure - when you are not satisfied with that, get the FOS involved (who will charge them for the privilege of investigating) and report them to TS.

 

That usually gives them a little headache.

Using the law against DCAs usually gives them a BIG headache because they dont know their Acts from their elbows:lol:

Link to post
Share on other sites

If not, i find the tea-towel query will always give them pause for thought.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

were back on to the tea towel querys again are we?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Please remember when referring a complaint to FOS you must have submitted a formal complaint to the DCA/Creditor/relevant party and had it proceed through their internal complaints procdure first. Basically, this is because FOS is designed to be a FINAL arbiter for complaints, not the first port of call. Alternatively, should they not resolve your complaintt within 8 weeks (this includes refusals to respond) you can also register with FOS. The £450.00 charged by the way is payable whether the complaint is upheld or not.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5007 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...