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    • 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.  
    • 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.
    • they are not FINES. you totally ignore all the silly fake civil restorative letters. they are totally powerless just the same as any DCA on any old debt. might be an idea to go have a chat with your GP in confidence as you recognise whats going on. dx  
    • pinging @Man in the middle looks to me you are on the correct track, you shouldn't need a sols. Programmable Search Engine (google.com) clickme^^ thread title updated dx  
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me & my mortgage with YBS


Preuss
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Hi Folk of CAG,

 

I've been following several threads for almost a week now and I am absolutely delighted that there are brave peopole out there who are fighting for their rights against finance mob.

 

Ell-en kindly suggested to start my own thread and to explain in what mess I managed to get into...

 

My husband lost his job in Feb this year and we fell in arrears with our mortgage payments - more than 6K at the moment. As you can already suspect account was passed to solicitors on the 7th June and we got already a court date 22 Jul 09.... Having in addition Welcome Finance and RCIFS, I can say this is the biggest nightmare I ever was in.

 

I was hoping that YBS being a high street lender will be more cooperative but seems they are no different from any sub-prime shark. Today I've received a letter stating that they are going for the straight 28 day order on the account... because I am unable to bring the arrears below 2 months outstanding balance... how I can if my husband was on JBS until the end of May... and he now got only a temporary job on as needed basis... and I am out of business... no income at all... and no help from anyone...

 

totaly devastated...:Cry:

Preuss

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OK, lets see what we can do.

 

Have you checked you are getting all the benefits you are entitled to?

 

Is your mortgage interest only or capital and interest?

 

Have you kept YBS advised of your situation and have they offered any help to you at all (they should have - in line with the government recommendations for mortgage arrears protocols).

 

Do you have any children?

 

Once we get more info we'll know the best advice to give you.

 

Ell-enn

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Hi Ell-en,

 

At the moment we are not entitled to any benefits, my husband is working more than 16 hours a week and I am a managing director of my almost sinking co. And we have no kids...

Mortgage is capital + interest. I've already asked YBS for a temporary relief from dec 08 to Feb 09, they accepted but in Feb my husband lost his job and everything went pear shaped... He was on JSA until May and we even got an application from Job Centre for mortgage interest relief, but because he suddenly started to earn more than £60 a week this opportunity has gone (looks like if you got yourself into trouble just sit back and relax - government is going to do everything for you, but if you are trying not to become a burden then you are allowed to drown... I still do not understand that kind of reasoning).

 

YBS knew everything but when arrears become 3 months they requested to lower arrears to min 2 month (to pay in one lump sum). Having an approx £600 income per month not much it is possible to pay. All communication was by phone. This means I do not have any substantial proof that they were informed... sooo stupid of me. They offered only one type of help - advised to contact PayPlan. These people reffered me back to YBS... citizens advise bureau did the same... enchanced circle...

 

We submitted a claim to Employment tribunal v ex employer for my husbands constructive dismissal. I've sent confirmation to YBS. they replay was "We are unable to hold action based on a tribunal against .... due to the time scale involved and there is no quarantee that the judgement will be in your favour". The case consists of many parts - racial discrimination, contract breach, non payment... I do not think that ET just going to say that everything is rubbish... sorry

 

Funny enough, my husband is going to sign a contract for a permantent job in two weeks and looks like my business is picking up, we definitely can start to pay monthly instalments + something in addition from August onwards. But YBS do not want to wait...

 

In addition my mortgage is complicated. It consists of three parts:

1. 75% From YBS - interest 6.9%

2. 12.5% From YBS, for five years no interest then 3%

3. 12.5% From Housing association, no interest at all, only when selling a house they will hit us with 12.5% on a price increase (of course not in the current market contitions).

 

That's the story... any ideas?

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Hi there, first thing you need to do is to write to the lender (copy to their solicitors), making your offer of payment (this will prove to the court that you have asked for their help). You need to quote the Civil Justice Council Mortgage Arrears Protocols whereby lenders are supposed to offer help to those in arrears i.e. capitalising the arrears, changing to interest only for a period etc etc.

 

If you need help with the letter, please let me know and I'll happily draft one for you.

 

Ell

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

 

 

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Hi there, OK I will draft a letter and put it on this thread later today.

 

In the meantime, you need to fill in a budget sheet to show how you are going to afford the payments (I have affixed one for you). Remember that the amount you are offering to pay towards the arrears (in addition to the normal monthly payment) is the amount left over after everything else has been paid. You need to show what your husband's salary will be in his new job.

 

How much are you able to pay each month?

 

 

Ell

Budget Sheet.xls

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How much will you be able to afford to pay towards the arrears when your husband is in his new job?

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 there, affixed is the letter. You will need to insert information where I have put XXX's for your names and amount you are offering to pay. (remove the XXX's)

 

When you print it out make sure it all stays on one page (set your printer for A4 paper not Letter size).

 

Don't forget to attach the budget sheet. Keep a copy for yourselves and send by recorded delivery so you can print off the signature receipt from Royalmail website as you may need to prove to the court they received the letter.

 

Any questions, just shout.

 

Ell

Preuss letter.doc

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

 

 

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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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Hi Ell,

 

I went over the budget sheet. The most that I can afford to pay as of mid August is £100 in addition. That's it.

If honestly, I don't feel very well when looking at all these numbers... not a repayment, but the total amount of debt...

 

thank you very much

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Ell,

 

Thanks for the letter, I am going to finish it today and send it tomorrow, not the first thing in the morning but as soon as I am back from London. The last couple of days was too bloody busy and tomorrow I am playing a courier - delivering a bid papers that I helped to prepare. Results will be known next week. I am praying that the contract will go through and I am going to have my first pay in a half year...

 

good night

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If you will really struggle to pay an extra £100 reduce it to £50 (just increase some of your outgoings on the budget sheet). You have to have something left each month as a contingency for emergency expenditure, and heating bills will increase again towards the end of the year.

 

How much are the arrears?

 

Ell

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

 

 

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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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Morning :)

 

Mortgage arrears on 16th July will be £6513. If to pay £50 each month then it will take 130 months to get back on track... YBS are not going to be happy, but I will try to persuade them based on the fact that my mortgage is for much longer than 10 years.

 

Have a great day!

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Ell,

 

I hope you are well and had a nice weekend ;)

 

Could you please help me to complete a defence form for house repo. From everything I've red so far looks like q.27 is the most important and I need to get it right. The rest are pretty straight forward yes/no qestions, with those I can deal...

And one more thing, as I've mentioned in one of my posts my mortgage consists of three parts - one standard mortgage and two equity loans. I am trying to understand how standard mortgage and equity loan should be documented. When the mortgage was arranged I've got from the lender one mortgage offer where both parts are described separately. Is this correct or there should be two different documents. In FSA Factsheet "Open market homebuy scheme" it is said that "if you borrow under the scheme, you will take out three different loans. Each works in a different way..." but from all documents I have it looks like there are only two loans - one from YBS and another from HomeBuy agent.

Any help on this would be greatly appreciated.

 

Preuss

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