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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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Capone response to CCA


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Hi Exchange

 

Im confused if they have terminated the account does that not mean they pass it on to DCA. Why are they now not allowed to collect through DCA outstanding amount.

 

 

Ang

 

Because they have issued a 'defective' default notice & then terminated the a/c they can only claim the amount of arrears due. The remaining balance has to be written off. See;

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/199543-quick-default-notice-question.html

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I just wondered how long it took for you to reach this stage, and if I took a similar route, bearing in mind I am in the UK how long I could expect the battle to go on for.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Capricorn1601, I started my battle at the start of March 2009 and now have threats of doorstep callers, 2 accounts terminated properly and one not properly and then there is MBNA who seem to do things differently to everyone else! If you have looked at other threads on here as I am sure you have you must know this is a lengthy process.

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Latest threat-o-gram attached, and they are going to call me next. Shaking in my boots (not!). Have I imagined it or are they supposed to offer contact on telephone lines which don't cost me a fortune?

At least the letter is further confirmation that the account is terminated as the amount has not changed since the last letter.

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  • 2 weeks later...
  • 3 weeks later...

Threat o gram 280709.pdf

 

Latest threat o gram from this lot. At least they managed to put an account number on it this time.

 

Threatening doorstep callers and I would love to send the template letter to show I know my rights in the UK, problem is I'm not in the UK so not sure where I stand in the unlikely event that someone would show up.

 

What's better is the so called agreement which arrived in my SAR. I will put it on the next post.

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Thanks cerberusalert, always nice to get confirmation of what I think.

 

As this account is terminated by Crapone and they are threatening doorstep callers I am tempted to ignore, but also tempted to write accepting the termination and telling them to (politely!) go away!

 

Not sure if I should waste printer ink!

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Removed! Thanks for noticing that AA99. As you know, they put the reference in the letter so many times it makes you wonder if it is to try and catch you out!

 

Would you respond in my situation?

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I'm amazed you have been singled out!!! Very few people have actually received a CCA from Crap one

 

I CCA'd these bas***ds and all I have received is some recycled paper with you will have to make do with this as you CCA letter.

 

My case is on hold, i'M sstill paying them currently, as I dont have the strength to fight.

Edited by Capricorn1601

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I'm amazed you have been singled out!!! Very few people have actually received a CCA from Crap one

 

I CCA'd these bas***ds and all I have received is some recycled paper with you will have to make do with this as you CCA letter.

 

My case is on hold, i'M sstill paying them currently, as I dont have the strength to fight.

 

Hi Capricorn1601, I only got the copy of the 'agreement' by sending an SAR.

 

At least I have a better idea of where I stand with them. Funny that they stated that the rubbish they sent me back in March was a copy of my original agreement!

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I have now written to all 4 of my disputed creditors pointing out non-compliance with my SAR as three of them only provided the last 6 years statements and to Crapone as they sent the unenforceable application form already posted in my SAR.

It is really quiet at the moment, not much in the way of contact from any of them by letter, phone or text. It must be Summer!!

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I have now written to all 4 of my disputed creditors pointing out non-compliance with my SAR as three of them only provided the last 6 years statements and to Crapone as they sent the unenforceable application form already posted in my SAR.

It is really quiet at the moment, not much in the way of contact from any of them by letter, phone or text. It must be Summer!!

 

 

Me too, but have had some disappointing results from eager solicitors to say they're not really interested in anything under £5k. One of our Capone accounts is credit limit of £800 with that much now in charges, the other £200 credit limit with that much in charges:eek: Am about to send them a final final final final letter soon, btw I am unemployed with no house and 3 dependents :cool:

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