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    • 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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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?  
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Bankruptcy Petition from Connaught Collections


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Hello, I have been sent a bankruptcy petition by Connaught Collections for £6000, the date of the hearing is in 3 weeks time. This is purely because I missed several payments last year and was experiencing financial problems. I tired to contact me but did not get any responses from them. I am really worried, that I will lose my house and everything else. I tried to negotitate with these people directly and via their solicitors. When they originally sent me the statuory demand I respond back to Connaught with the correct allotted time. What I did not know was that I could have applied to have this aset aside (I think it is to late to do this via the courts). I thought set aside ment that I would negotiate with Connaught. How wrong I am. I really do not know what to do now.

 

The original hearing was supposed to be in April, I went along without any papers, when I got the court the receptionist told me that it had been ajourned. I was not happy at all, neither Connaught nor their so-called solicitors informed me of this. I sent a letter to the court, sharing me concerned about this. I got a reply back that I should wait until the hearing in June.

 

What do I do? I cannot afford to pay for a solictors or legal advice and I am not entailed to legal aid.

 

What do I do???

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The court does not like SD's being used to collect debts from ordinary consumers when there are alternatives available

 

There is case law where the Judge makes this comment where I think he was striking down a petition & I know it's been mentioned on this site but I can't for the life of me remember where perhaps one of the mods can help

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I have been trying to get hold my local CAB for weeks but to no avail.

 

This is really stressing me out.

 

I have to the National Debtline, CCCS and Community Legal Advice and they suggested when I do go to crt I should plead my case to the judge.

 

I really do hate the siutation that I am in. :(

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Hi, what is this debt for? credit card, loan etc?

there maybe still time to hit them with a CCA request or establish a defence if not, with the help of maybe PT or someone

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:)

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Firstly send off for a copy of your Consumer Credit Agreement IMMEDIATELY !!!

 

You can find the CCA request here.... it is letter 'N' - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

What you need to do is send this GUARANTEED DELIVERY, and send it with a £1 postal order !!! do not hand sign the letter......

 

Basically without this they CANNOT ENFORCE A DEBT LEGALLY....but they are hoping you will just lie down and not fight this.....

 

This is why you need to request it...

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133653-consumer-credit-agreements-letter.html?highlight=gareth

 

I was in exactly the same situation as you, but the first I heard was when the bankruptcy order had been made !!! Also if the hearing was adjourned do you know if there was presented an affadavit of continued service, which was sent to you and the courts ??? Connaught didn't do that in my case and it is an abuse of process.....

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The affadavit of continued service would be a document that should have been filled out by the opposing solicitor straight after the first hearing....you should have a copy of that. I haven't got all my notes with me at the moment, i'll try and find it....

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Have they provided any statements or defaults either ? were there any letters of assignment from the original creditor saying they had transferred the debt ? I presume all you have from them is a letter saying 'you owe us this' !!!!

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Hi, I sent a request to Connaught requesting a statement of payment and the credit agreement.

 

I was advised the CAB, National Debtline to continue to send them the money, which I started to do in April via the debt management company that I dealing with. I will take all the details with to the courts to prove that I am able to pay off my debt on a monthly basis. Connaught have not returned to funds.I really do wish that I have started to do this in January.

 

I will have to wait and see what Judge says.

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