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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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credit card debt proposal to pay c50% in full and final settlement


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Can anyone help please? In receipt of IB but have some small savings, which I want to offer to credit card company in full and final settlement of my debt (means about 50% will be paid off) as soon cant afford the monthly repayments against my outgoings. Are they likely to accept this? (a friend of a friend has just had £3k wiped off her debt doing this I have been told).

Had card since 1970's and always paid at least minimum each month so not in default but need to get myself clear for sake of my health. Can anyone advise me please? Can I just send them a letter (as I have been told this friend of a friend did) with my proposal or do they want to know everything........I dont really want to draw up income/expenditure details etc just tell them how it is - that sooner or later I will not be in a position to make the monthly repayments, cant work, ill health. Is there a letter on the site anyone has used (have been looking but couldnt find anything). Thanks.

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Hi NANTOTWO Welcome to CAG You have come to the right place there are lots of people in this site that will point you in the right direction.

Try this link http://www.consumeractiongroup.co.uk/forum/letter-templates/146154-creditors-dcas-letter-templates.html

GoodLuck B4E

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Have a look at the above letters & use letter N for a copy of your CCA agreement, send £1 P/O and dont sign the request (as they may not have your signature).Post Recorded Delivery.

 

May not have your agreement either lol if it's that old but I wouldn't have thought they would accept a F&F while you are paying regularly every month.

 

Send for your CCA & post their reply back on here.

 

p.s. if you have a payment due only pay the minimum as with luck it could be the last one you need to make prior to negotiating.:wink:

 

Obv.check that the RD has been signed for & start counting the 12+2 days they have to supply your agreement.

Edited by TheChancellor
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Thanks for replying blue4ever and The Chancellor. I too wondered if they would accept the F&F if I wasnt in default. Its only because I have a direct debit now for them to take the minimum monthly repayment that they are getting the payments on time as this is what they suggested a couple of years back when I was always at least a week late with my payments and I was worried about the £20's late payment fees they were taking (did go down to £12 at some time). So now I make sure the money is in my account for the DD as my O/H doesnt know about this debt and if I got phone calls from them it would cause loads of bother for me with my O/H. My half pay from work now come to an end so money very very tight without even taking this payment into consideration, basically I dont have it now to pay them. Most of my payments are covering the interest so debt hardly moving, when I think of the interest they have had off me over the years I could cry. Will have a look at the letter templates and ask for the CCA. Does this mean that if they cant find this the debt is not enforceable and I dont have to pay them? As I said, had the card since late 70's and have had a few increases in the limit along the way - never applied for by myself, just something they have done and cant remember if this was just increased or something I had to sign for - but think its just something they have done when I got near my limit to give me extra spending .......and to get me further into debt. Worried then they will register the debt after harassing me if I say debt isnt enforceable, as I say cant do this in case my O/H finds out. Dont want a bad debt registered (missed payments are bad enough on my credit report!)

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  • 2 weeks later...

Hi

I owed over £8000 on 3 credit cards with MBNA however in the end i paid them about £2000 in total on the 3 accounts as partial settelments which they accepted and since have closed the accounts.

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Hi

I owed over £8000 on 3 credit cards with MBNA however in the end i paid them about £2000 in total on the 3 accounts as partial settelments which they accepted and since have closed the accounts.

 

Did you nail them down on a F&F otherwise they sometimes pass the remaining balance out to DCA's at a later date.

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I asked all my creditors to accept reduced payments last year as I was having a few problems, some accepted,, some never, I went back to all of them this year with F&F offers and none accepted, with the exception of Barclaycard and that was after months of wrangling.

 

I also doubt they will just take a F&F offer if you have been making regular minimum payments.

 

Good luck :)

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