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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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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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If you have a read of the insolvency service website it will tell you what happens to your debts when bankrupt The Insolvency Service Website

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hi geministar your landlrod will be informed if there are a BR caluse into your tenacny agreement and/or you have rental arrear.

 

if your ebt are into yoru only name then they will be dissolved, that it . nothing will happend to your partner as he/she i snot liable for it. however i advise that you do anot of dissociatin to credit reference agency to make sure it does not affect your partner credit scores

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If the rent is up to date and there are no other problems with your tenancy it is unlikely that the landlord will do anything.

Any joint debts your partner has with his ex will become her responsibility.

 

Mor einfo here http://www.consumeractiongroup.co.uk/forum/formal-solutions-bankruptcy-administration/56970-insolvency-dealing-debt.html

Consumer Health Forums - where you can discuss any health or relationship matters.

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Does it matter that he hasnt spoken in some time and doesn't know her exact whereabouts? just that she is in NZ somewhere?

 

 

Once he is Br it is not his problem anymore and is up to the creditors to find her.......he just needs to be honest with the Official Receiver.

Consumer Health Forums - where you can discuss any health or relationship matters.

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ok what level of income will allow me to have part of the BR fee waivered? I believe i have to include my partners income in this part? even though not his debt.

Also what tends to happy if you have spent some of the debt on gambling? And i mean a small amount £300-£400 over a period of time my debt is currently at around 15k.

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The laptop i have was bought in September 2007 via HFC finance, not under hire purchase but a loan agreement. I currently owe around £400 for it.

 

When i file my bankruptcy forms, what should i do about my laptop? Is it worth pretending it is broken or that i have sold it on, my mum said she would have it (in theory). My laptop is the only thing i own that is worth a small amount.

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personally I would say no - they have admitted they cannot prove the debt and have agreed to stop action. no need to include them .

 

flip side of that would be that if you DO include the paperwork - it is not likely to affect your bankruptcy much and would then ensure that you are forever protected from them coming after you with this again.

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I am a few months behind on Ctax, i live with my partner, we are not married, When i go bankrupt in Jan, how do i address the Ctax arrears can this be included with my BR? If so does this mean this is my partners responsibility even though i'll continue to live at my current address?

 

Bit confused

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ok if i dont have a tenancy agreement we literally just moved in... what is the likelihood of being evicted? We get on with our landlord and landlady very well (they live next door). Have never paid rent late in 8 months and myself and partner both work.

 

Also how would it work if i decided to state i was living back at my mums address? I have recently submitted our new working tax claim pack. But that will take time to sort, so i could leave out that i receive workin tax as at the moment we dont. And basically just be living back at home with my mum (her home is a housing association).

 

i hope that made sense???? So many questions all the time.

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Also what tends to happy if you have spent some of the debt on gambling? And i mean a small amount £300-£400 over a period of time my debt is currently at around 15k.

 

Nothing is likely to hapen for such a small proportion of the debt being gambling related.

 

ok if i dont have a tenancy agreement we literally just moved in... what is the likelihood of being evicted? We get on with our landlord and landlady very well (they live next door). Have never paid rent late in 8 months and myself and partner both work.

 

Also how would it work if i decided to state i was living back at my mums address? I have recently submitted our new working tax claim pack. But that will take time to sort, so i could leave out that i receive workin tax as at the moment we dont. And basically just be living back at home with my mum (her home is a housing association).

 

i hope that made sense???? So many questions all the time.

 

I strongly advise that you tell the OR the truth and nothing but the truth. If you get on well with your landlord why dont you ask him now what his reaction will be to you being BR? Most wont care as long as they get their rent, and you are honest with them.

Consumer Health Forums - where you can discuss any health or relationship matters.

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thanks again for your advice. Yes i think i may ask them this wknd as havin a festive drink with them b4 they go away for xmas. That is my main concern at the moment.... don't wanna end up losing my home as i can hardly afford to move about. That would actually put me off going BR and i'd carry on with my DMP throwing more money away.

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Hi Geministar2007:)

 

I went B/R in November and included my C/Tax arrears in my B/R, the Local Council then sent me a revised bill for Dec, Jan, and Feb2009!!!

So ALL my arrears were wiped, about 1,800 worth! If that helps.

Take care

Sugar x x :D

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Hi Geministar2007:)

 

I am B/R too. I was told by C.A.B. to list ALL debts on my B/R paperwork, and not leave anything off. I am led to believe that everything MUST be listed honestly, and the amount of some of my debts were estimates as I couldn't find all my paperwork from over 6 years ago!

Do seek advice from C.A.B. or National Debt Helpline else the Judge on the day may not grant you a B/R!

Hope this helps

Take Care

Sugar x x :D

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thanks again, however as i live with my partner how would he be effected? He would have to find the full arears (although he wouldnt i would help if that makes sense ;-).

 

I am due to pay a 300 odd DD 1st Jan, no chance, so may advise them i am filling for BR and to hold off for a short time. Sound like a good idea?

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