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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 apnoea. 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 couldn't drive 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 apnoea (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 committing 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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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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just got a letter from 1st cred saying i could settle early they will take a chunk off the price still i have not received copy of the agreement from tsb... what can be going on? What will happen if i stop payment till they produce the agreement HELP Steve

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Steven tsb have said the loan finished June 2008 and that they OUT-SOURCED the loan to give me better interest rate! Another word for selling debt on? Now i am just off the phone and been put through to their debt recovery i was told by them that the debt had been passed on to 1st credit so i am not the wiser because the debt recovery is a part of tsb but 1st credit are not! i told her if i do not see the requested document agreement then i shall stop paying till i do! Help what should and can i do steven?

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right i have just phoned 1st credit and told them i am stopping any standing order going into my tsb account till i receive a copy of my agreement for which i have paid £10 to tsb on the 10/07/09! It is now 26/08/09 they have had sufficient time i think?

 

also received stalling letters from both rbs and tsb regarding ppi on cards as of today i am going to put max effort to get my money back from late fees FIRST NATIONAL/SANTANDER aswell as STYLE FINANCE/rbs and LLOYDS TSB/1ST CREDIT(LOAN?)and CREDIT CARD/TSB and all ppi/charges including late fees

 

Steven no doubt i will need your help and advice am i taking the right step to stop payments?

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Tis amazing-but at least you should now be a little closer to who actually owns the account.

I would request a copy of their complaints procedure too-they are obliged to send it to you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just off the phone to lloyds tsb in london who said that the loan has been passed over to 1st credit as they have a too many accounts to deal with (can they do this?). Also that after my threat to stop paying 1st credit have requested my agreement YESTERDAY yet i sent £10 postal order last month and was told in a letter from 1st credit dated 16/07/09 that it was passed on to the appropriate department which i have now discovered this was not the case and that it was confirmed by lloyds tsb that yesterday was the only time they have been contacted on this matter!

Steven do i continue to pay or stop till they have produced the documents in another 3 weeks or so and secondly do i ask for my postal order back which seems to have disappeared?

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part two

 

would also like to ask advice about the jd sports card that was with rbs who made an offer of about £7 for only two out of the twelve or so ranged 12 to £15 late charges do i pursue all the charges they took?

They quoted oft mentioned about £12 which is still well over the top what do i do

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this is a letter dated 4th aug 09

 

1st cred ref

 

thank you for your letter dated 10/07/09

 

pursuant to your request i can confirm we have contacted lloyds tsb for a copy of your agreement. on receipt of said document a copy shall be forwarded to you.

 

i note you have recently had a conversation with our offices with regards to ppi. i would advise that 1st credit purchases the debt only and none of the accompanying polocies. should you require this information we would refer you to the relevant insurance company. we shall contact you further once additional information is available

 

yours sincerely

 

..........

 

as said earlier i sent a tenner and 1st credit responded with this letter.... now i also said i contacted tsb who claimed 1st credit had not contacted them as this letter sugested.. however when i threatened to stop paying into the account 1st cred contacted tsb for a copy...

why did they lie?

where did postal order go?

how do i get tsb and 1st cred to clarify who owns the alleged debt?

Do i stop paying as threatened till i see agreement?

Does this letter suggest 1st cred have bought the debt?

Can debt be wiped off as adverts are saying?

what do i do?

please help!

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  • 2 weeks later...

With reference to your postal order. You can telephone 01246 542091. They will tell you when the po was cashed. If it was made out to a company and crossed then it can only have been paid through the named recipients bank account.

 

Ask to have a letter of confirmation that the postal order was cashed and on what date. They wont of course provide you with bank details.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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can you confirm?

 

did you send a cca request or sar?

 

ida x

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I sent for a copy of agreement here is their reply got today

 

Dear Mr Mcgill

Re: copy agreement/contract

Ref

We attatch anedited copy of the signed agreement in respect of the above account and would ask for your comments

 

a) if you confirm that this is your signature we will of course send you a complete copy of the relevant doument. We would also invite your proposals for settling this outstanding debt.

 

b) if this is not your signature we would ask you to provide our office with a copy of your signature from an official document, (such as a driving license/passport), to substantiate your claim. Please be assured that the matter will be investigated immediately, this is not required but of course will assist us in resolving this matter

 

c) where an address is detailed that you do not reside in we would ask you to comment on whether you ever resided at the address and, so, the period of your occupation.

 

d) if we beleive that a fraud has taken place against you we will advise you. In these circumstances we would recommend that the matter is reported to the local police and 1st credit ltd will of course co-operate fully to ensure the matter is thoroughly investigated.

 

thank you for your assistance in this matter

yours sincerely

1st credit

 

----------------------------------

 

I HAVE BEEN SENT AN EDITED COPY OF AN AGREEMENT ALSO

a pay by direct debit form dated 4/4/05 (not in my writing) with account number/sort code and bank building society acc no. blacked out

 

why an edited version even after i sent £10 fee and why blacked out? Why is date squeezed in not in my handwriting lastly why all these a,b,c and d questions?

 

URGENT HELP REQUIRED NOW! PLEASE !

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