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    • So, why do DVLA (via that leaflet) say 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) ?
    • 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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      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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Requests for financial summary budget sheets from credeitors.


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I have sent off my CSSS letter with token £1.00 payments to my creditors.

 

Creditors have responded.

 

They are asking for a finacial summary of my personal budget and a list of my creditors names and amounts owed.

 

Can they request this?

 

Starting from the premise that creditors will use any information you offer them in their favour, are they:

 

1. Legally allowed to request this information to this extent?

 

1a. How much detail and breakdown of finacial summary are they allowed to request?

 

2. If and how can they use it against me?

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Far as I am aware the only people that can legally request this are the courts. If you trust a creditor then you could supply them but as stated they have no right to this knowledge, my own feeling is they use the knowledge of your financial situation to decide how hard to push for payment for themselves bugger every other creditor.

 

dpick

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Subbing as this will be very relevant for me also :(

 

I understood it to be possible that CCCS might share this level of info with the creditors (although to be honest would hope that would not be the case) but we were not obliged to go there ourselves??

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi

I had the same request yesterday so this is what I'm posting today:

 

I note that you have requested proof of my income & expenditure by means of benefits letters, bank statement, and wage slips but I will not provide these for your inspection as I consider such documents to be totally personal & private.

 

I enclosed a Personal Budget sheet in my previous letter which showed my total income from all sources, and my outgoings. This made it very clear that I only have a total of £xxx per month left for my creditors.

 

The offers I have made to my creditors have been worked out on a pro-rata basis, and I have written to all my creditors asking them to accept reduced payments.

 

In view of my circumstances, I am only able to make payments of £xxxx per month. If interest or other charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you. If you refuse to stop the interest & charges, it will take much longer to clear the amount I owe you.

 

I also requested a statement of the account but you failed to send this with your letter so I am requesting this again. I would also be grateful for a breakdown of the charges levied against my account.

 

I would be grateful if you would send a paying-in book to make it easier to pay you.

 

Please note that I will not discuss my account by telephone & request that you make any further comment in writing.

 

I had already sent them a copy of my income/expenditure (before I realised that I wasn't obliged to :()

I suspect this account is enforceable as it was opened in June 2007 so thats why I didn't CCA them however I may still do that :D

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I note that you have requested proof of my income & expenditure by means of benefits letters, bank statement, and wage slips but I will not provide these for your inspection as I consider such documents to be totally personal & privat

 

Do we have any piece of legislation to back this up with? It might be worth being able to quote this in the letter.

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Yes it's called 'The Right To Privacy under the Human Rights Act 1998' Your rights - The Right to Privacy

 

 

Excellent! Thank you very much - they all want a piece of the I&E info at the moment! :eek:

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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  • 10 months later...

I am in the process of requesting prorata payemnts for 6 months, but my income does go up some months if I am able to get extra hours.

 

What do I need to do to prove my income and would I be committing an offence if my money was higher?

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What do I need to do to prove my income and would I be committing an offence if my money was higher?
You don't have to prove anything, they have no legal right to any information. You decide what you can afford to pay pro rata from your disposable income.
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thanks for the advice, it really helps to know there are very clever people and also people in the same boat on the same website, a huge boost.

 

the one I am worried about is the northern rock together loan - only one way to find out what will happen though.

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