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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 81 replies
    • 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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mortgage - housing benefit????


clare77
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hi guys

wondered if you could help - i am a housewife and spend my whole time looking after my 3 children, my husband is self employed but not currently making a profit - there fore our actual earnings for benfit purposes is zero.

 

we currently own our home (mortgaged ) we are having to borrow the money off friends and family to pay our mortgage we have no money what so ever it has been like this for 6 months now - i have spoken to council and they have granted us full council tax benefit and full housing benefit but said we cannot claim housing benefit because we have a mortgage they have offered to pay £600 per month towards private rent - my current mortgage is £600

i asked if they could help towards interest on mortgage but they cant - i cant get out of mortgage as £8k redemption penalty. mortgage is for 90k house is worth about 105k - just dont know if i can do anything else.

my option is to sell my house and go in private rent but houses not selling at present.

 

spoke to mortgage place(birmingham midshire) and i cant pay interest only as only had mortgage 5 months and they cant help me further.

 

no one can help me ???? - not sure which way to go.

 

any advice much appreciated - sorry to drone on

x

clare

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Are you in receipt of any other state benefits other than council tax?

 

You may be able to apply for income support mortgage interest (ISMI). Normally this does not pay out until week 40 of the claim (the new rules whereby you only need to wait 13 weeks for this don't come in until 1st April 2009 unfortunately) but you may also be entitled to other state benefits which you are currently not in receipt of.

 

Information on how to contact the DWP to see what you are entitled to is here DWP - Contact us

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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dont think can get income support as my hubby self employed but income is zero - we get ctc & wtc totally £200 a week for a family of 5 to pay all our bills, debts, mortgage food everything - our mortgage is 600 a month????? - we would have £50 per week for everything else just cant do it.

- do they back date it as we been in this situation for 16 months

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They don't normally back date it but there's certainly no harm in asking them to do this.

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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have just checked about the income support mortgage interest - we have to be on income support or job seekers so cant claim that!! - any other suggestions

at the moment we get £200 if my husband shuts business up we would get £500 per week - doesn't seem right when he not getting no wages or nothin from business at moment. - no incentive for people to work.

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have just checked about the income support mortgage interest - we have to be on income support or job seekers so cant claim that!! - any other suggestions

at the moment we get £200 if my husband shuts business up we would get £500 per week - doesn't seem right when he not getting no wages or nothin from business at moment. - no incentive for people to work.

 

 

Have you checked you are getting the right amount of tax credits?

Start Calculation

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

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