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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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Tesco CCA - 2001...enforcable??


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  • 4 weeks later...

update:

response from Tesco:

"regarding your recent letter concerning the banks alleged breach of the cca I would advise you of the following:

Any request for a copy of an executed agreement under s78(1) states that the company must meet its statutory requirements by providing a true copy of the agreement relevant to the card product at the date the card agreement was made, plus a copy of the terms of the card product. These copies should be accompanied by the statement of the financial info relating to the account.

When responding to requests under S78 we are compliant if we provide a 'true copy' of the agreement in accordance with regulations 3(2) and 7(1) (B) of the consumer credit (cancellation notices and copies of documents) regulations 1983. This means that there is no obligation for us to provide a copy of the original agreement bearing signatures. Additionally, under regulation 3(2) a 'true copy' does not need to contain all personal information relating to the borrower, not does it need to include a signature box or dates of signatures.

we have supplied a copy of the credit card agreement that you agreed to after which you then received your credit card. we have also supplied a copy of the original and current terms and conditions of that card productwith the prescribed terms and a statement showing the outstanding balance. we have advised you who you need to contact to discuss amounts due and owing, and future payments that must be paid. we have therefore met our obligations under s78(1) to provide a copy of the executed agreement and again we are satisfied that what was provided complies with the regulations expressly made for controlling what is a 'true copy'

I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this responsse you may seek whatever legal redress you consider open to you.

We do not consider this account to be in dispute and your indebtedness on this account remains due and payable and we will continue to purue for repayments as they fall due. Any non payments of the account will be recorded on your credit file as will a default if non payment continues.

I suggest you take advise from CAB or similar blah blah blah..."

 

this was dated 11th Jan (only just had chance to get it on here) and on 22nd jan Triton sent me a letter - the account has been placed with them and I should forward a cheque for the full amount or ue a debit or credit card to pay...basically the same as mint have issued via triton to me.

 

im not sure what the next step is and need help please!

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I can't see that their letter changes anything that's been previously suggested. I think Huff&Puffs response is very fitting of their efforts and i'd say the same.

 

Cannot read the T&Cs as i'm on a small screen and the print is tiny in your pics. But having a quick read back then that's not the issue here anyway.

 

Bog off letter (if anything at all)

 

M

 

M

 

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The only way that you will be able to ascertain as to whether the terms supplied are actually the inception terms, is of you to check the interest rate on initial statements and see if they match.

 

In any event Tesco are only talking about compliance with s78 and not about issues relating to enforceability!

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Hi, i've got a tesco cca i'd like somebody to give me 2nd opinion on.

 

however, having trouble getting a copy onto this thread. i scanned the document then copied it to ms paint to black out the account details. i then copied it to back to ms word doc and cant seem to get any furtther than this. can someone give me advice, thanks

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Hi, i've got a tesco cca i'd like somebody to give me 2nd opinion on.

 

however, having trouble getting a copy onto this thread. i scanned the document then copied it to ms paint to black out the account details. i then copied it to back to ms word doc and cant seem to get any furtther than this. can someone give me advice, thanks

 

After you've scanned it upload it into PhotoBucket (google it) and make your changes there. Then you can upload it from PhotoBucket.

 

M

 

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making a mess of uploading from photobucket. am i trying to upload the actual copy from photobucket of a link to the file. thanks

 

Once you have it in PB you will see that a little box pops up when you view the picture. If you click in the IMG box it will flash up as 'copied'. If not, then copy that link. Then paste it into a post on here.

 

M

  • Haha 1

 

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