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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 apnea. 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 couldnt drive- but 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 apnea (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 comitting 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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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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GMAC/Wave lending- repossession **Tried twice we won both**


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i did question him at the time but didn't want to seem pushy.he said that they collect all the folders and he has clearly stated it is to be suspended.i guess they know what they are doing.he told me if they turn up then they have wasted there time lol

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Exactly. IF they turn up just tell them to call the court. The bailfiff will only knock on the door if there is somebody from the mortgage co to meet them. So really do not worry about that. Like Ell said just give the court a quick call if you do feel uneasy. Relax you won. There is nothing anybody can do. You get to keep your home What a feeling eh...

 

olives xx

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Well done!! Hope you have a happy christmas

xx

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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Thank you.

All i can say is if you are worried and are in the same or similar situation talk to someone on this forum.Ell-en is fabulous and provided me vital advice.It is hard to tell family members and friends what is happenening but people here can help and do support.

MERRY XMAS EVERYONE

XX

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So pleased for you, Ell is an angel from above, she also helped my daughter in the same position as you. Try and relax now, I know its not as easy as it seems but providing you stick to the agreement you will be fine. Totally agree that it's not something you openly discuss with family and friends, I only found out the extent of my daughters problems when it was evident she was practically having a breakdown due to the stress and pressure.

 

Have a lovely time with your family, Christmas and always

Love

LilyLou

xxxxx

Regards

 

LilyLou

 

 

 

 

 

If I have been helpful please tip my scales

 

Any advice/comments I give are based solely on personal experience, if in doubt please consult an expert.

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Wave Lending are really horible Lizzyjc, if you miss payment by two days they will be applying for another warrant, they done that to me twice for paying slightly late. GMAC are very understanding when compared to Wave, they have a specialist debt collection dept that does not think twice about sending u off to court for eviction when u are late.

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they weren't quite that bad with us,however despite letters when they took over from GMAC regarding us being contacted to help resolve arrears all they wanted was payment in full.No offer of help atall!!!!!

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lizzyjc, I have just finished reading your story, at the age of nearly 64 I'm sitting here with tears in my eyes. Well done, not least for the result but for having the strength not to give in and a very large Well Done to the CAG team especially Ell Enn. Since joining this forum it is amazing how much strength these great people give us. A Merry Christmas to you and your family and to All the Team on here.

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  • 3 months later...

Hi you helped me before back in december.Anyway to cut a long story short we fell behind,we had an eviction date for next tues,7th april.I went to court today and although the judge was annoyed we had defaulted as we can afford it he ruled in our favour and suspended on the agreement of 125 towards the arrears.He was in favour of the ruling that arrears can be paid over the rest of the term of the mortgage and not the 4 years these solictors etc seem to allow us to believe.Anyway this is where i need advise.The representative was asked to appeal if it was ruled in our favour and the judge said he wouldn't allow it as it wasn't in anyone's favour to do so.Then he said they will have to appeal to a circuit judge but said it was a waste of time and that it would never be granted.I asked what that meant and he said that they have 14 days to ask for permission to appeal and told me not to worry and just get on and pay the mortgage.Is this a common thing to happen and what can i expect as i should imagine the mortgage company are going to be angry about the ruling.The judge said the eviction will be cancelled and that we should just get on with our lives.Any advise greatly received

thank you

lizzy

xxx

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Hi there, solicitors for the other side can sometimes ask for leave to appeal of they are not pleased with the judge's decision (shame eh?). However, as your judge did not grant it, he will have entered that into the case notes - I think it's very unlikely the lender will appeal as it will cost them more in legal fees and there is not much chance of them winning.

 

As the judge said, just get on with paying the mortgage - if they do appeal we'll deal with that if and when it happens.

 

Try to relax now and enjoy your home :)

 

Ellx

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I am so on edge at the moment as i swore after last time i wouldn't let it happen again.They couldn't wait for us to miss lol

If they was to appeal then do we get a date of a hearing etc.They can't just get another warrant can they??

xxxx

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Hi, no they can't get another warrant just like that - they would need to get leave to appeal the order - even if it was granted you could defend again. Try not to worry - it's very unlikely to happen.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I think the judge would be angry with THEM if they ignored his decision.

 

Concentrate your energy on meeting the payments due, and not on a solicitor who is just trying to maximise their fees.

 

You really should not worry.

 

Good Luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi - Tony's right, just concentrate on the fact that you have your home safe.

 

Look at it this way - some cocky just-qualified solicitor doesn't fancy going back to his boss and saying he lost the case :rolleyes: soooo - he decided to get something out of it by asking for leave to appeal - probably just to see if you were scared by that - he was just pi**ed off with losing that's all !

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi - Tony's right, just concentrate on the fact that you have your home safe.

 

Look at it this way - some cocky just-qualified solicitor doesn't fancy going back to his boss and saying he lost the case :rolleyes: soooo - he decided to get something out of it by asking for leave to appeal - probably just to see if you were scared by that - he was just pi**ed off with losing that's all !

 

Ellx

Hi Lizzy.

 

Like Ell said this some silly solicitor trying to prove how efficient he/.she is. The times are hard for everybody so judges are not going to evict people on some solicitors say so. These days they have to have very good reasons. Carry on paying. IF this does go to court then you would have had time to prove that you are going to make a go of it.

 

As far as swearing you will never go through it again, well I said that and I eneded up in court 3 times in a year and I still have my house.

 

Take a deep breath and live for a bit. If they take it back to court then just go with the flow. the hardest part is done.

 

Well done for winning today

 

take care

 

olives xxx

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Hey Lizzy

 

dont worry yourself at all, ths is just a threat that lenders and their solicitors will use, my lender did that last time I went to court because the judge told them right off and told them not to put the charges onto my account,

they said they were appealing it and I just said well see you in court and now after 3 weeks I havent heard anything, I think they are just trying to intimidate you.

by the way I had a barrister from the city appear at my hearing and boy did he look silly. before the hearing he gave me all sorts of documents with case law that he was going to put forward to the judge.

Judge told them right off and said he was going to send a letter to the lender, after the hearing the barrister said well done for fighting for yourself and said that he didnt expect me to win at all, the hearing took over an hour.

 

and that hes never seen anyone so determined and well informed representing themself.

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