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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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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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      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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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dissecting the Manchester Test Case....


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Hi Oilyrag, Saddler & Andrew1

 

I hope you don't stop posting Oily because its people like you that are giving hope to people like me.

 

After advice from people on CAG I recently wrote to a number of creditors (that I had received dodgy agreements for) offering them a full & final settlement of 15% of the amount outstanding. Not had any written replies yet except one has just contacted me to confirm they will accept my offer and mark my credit file as 'account satisfied'. He says they'll confirm it all in writing and give me 28 days to pay.

 

 

I was getting a bit down with the whole job (especially after so much misplaced negativity following the Waksman judgment) but this has really pepped me up - the whole unenforceable credit palava - its not a myth!

 

 

 

The other thing is that this company did provide me with a microfiche copy of an agreement which on its own wasn't enforceable but did contain a line of text that said something like 't & c on the reverse'. They provided a typed copy of these t & c which did appear to make the agreement enforceable.

 

 

 

The relevance to this thread is they have provided a signed copy of an agreement and the alleged t & c. But they obviously don't have the original and presumably know that without it the court couldn't enforce. Back to the old 'better to be defendant than claimant'. And they settled for only 15%.

 

 

Some might post that I should have offered nothing - but the thing that drives us all nuts is the 'uncertainty'. Provided they are as good as their word I now have 'certainty' and in my view at a small price

 

 

Thanks to everyone who posts and please keep posting. 1 down only 8 more to go!

 

 

 

Hi brooooooooooooce

 

That's very truth, it seems that this could be another way out, especially for some they do not want to endure the ongoing pressure and not knowing the end result. Do you mind me asking which creditor has accpted your offer?

Good luck.

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Sick to death of some people who appear to enjoy making sarcastic brain dead comments;

comments that are intended to annoy and annoy they certainly do!

 

We are supposed to welcome new members, not take the wee-wee out of them!

 

DD, you have done it to me re DN's; even though I was giviing sound legal advice.

 

This site desperately needs people with lateral thinking;

don't drive them away!

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Sick to death of some people who appear to enjoy making sarcastic brain dead comments;

comments that are intended to annoy and annoy they certainly do!

 

We are supposed to welcome new members, not take the wee-wee out of them!

 

DD, you have done it to me re DN's; even though I was giviing sound legal advice.

 

This site desperately needs people with lateral thinking;

don't drive them away!

 

and you didnt throw your toys out of the pram!!

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DD, I am apalled...

 

STOP prodding oilyrag!

 

Your behaviour is akin to the school playground...

 

IMHO, oilyrag has made some excellent posts;

he/she clearly thinks out of the box, pity some others are not the same.

 

I am not "prodding" and you will note that in his reasons for leaving the forum the ONLY person he unfairly cited was myself - i therefore have a right to reply

 

I don't want him to leave- i don't want anyone to leave.

 

Clearly from his job he is probably far better educated than myself or some other caggers - but that doesn't mean we have to put up with his arrogance

 

the guy clearly has a problem if people don't accept or accede to his point of view

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This is my Swansong to CAG.

 

 

 

From what I have been able to glean about the original case management conferences setting up Manchester in the first place a number of LEAD cases were to be heard in the Mercantile Court, note LEAD not TEST to establish a set of rules that could be applied and used by other courts in the light of SECTION 78 claims by claims management companies. Certain solicitors were also involved directly who also wished to establish some ground rules improving the advice to clients and providing a settled course of action to be taken on behalf of clients. The numbers of cases being heard was also settled I believe and have that in writing.

 

That is correct they are only lead cases not test cases.

 

Carey v HSBC therefore was a number of cases to be heard subsequently by HHJ David Waksman Qc,

 

In the cold light of day MBNA lost one case and settled two others. No dissection of these on here to any extent. Why? Their details are more than relevant to your/our troubles.

 

Because MBNA provided documentation that complied with s.78 after proceedings had been issued.

 

 

The other serious thing is that, unless my arithmetic is wrong there is still a case "missing" from the Manchester hearings which was within the numbers issued from the case management conferences. Nothing has been published about this case, if the numbers are to be believed then it wasn't heard by HHJ Waksman. Why was it "pulled"? Why no mention on here? You can all do the sums. What was or is the significance of this case and the implications it might have had for the people here? Does anyone know?

 

The case is Jemitus v Bank of Scotland. It was being handled by the same solicitors instructed in the actual case Carey v HSBC. It was discontinued becuase the Bank of Scotland provided compliant documentation after the proceedings had been issued. However an alternative case was put in in its place so numbers should have remained the same.

 

 

Goodbye I won't be drawn down further to the level of some supposed caggers on this debate

 

oilyrag.:)

 

 

Don't let the ill manners of some Caggers who think a lot of themselves get you down. Their philosophy seems to be that if you don't agree with them you are wrong. They then use the bully boy tactics of he who shouts loudest..............................

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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It has been made clear now to Oilyrag that he has lots of support and that even those who disagree with him (or the way he expresses his views) also dont want him to leave.

 

so lets leave him to his decision and get on with the business in hand before this boils up any further ( i suggest)

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i think they are- that's why i posted them!!

 

it's called "a sense of humour" although as we have established in the past- yours is not the same as mine!!

 

Just stop jibing at members, it is not funny;

there is no humour to be found in taking the wee-wee out of other members.

 

Stop it and allow other members to have their say, without adding your little quips.

 

AC

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Just stop jibing at members, it is not funny;

there is no humour to be found in taking the wee-wee out of other members.

 

Stop it and allow other members to have their say, without adding your little quips.

 

AC

 

 

Hear Hear - it gets very boring..............

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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I am not "prodding" and you will note that in his reasons for leaving the forum the ONLY person he unfairly cited was myself - i therefore have a right to reply

 

I don't want him to leave- i don't want anyone to leave.

 

Clearly from his job he is probably far better educated than myself or some other caggers - but that doesn't mean we have to put up with his arrogance

 

the guy clearly has a problem if people don't accept or accede to his point of view

 

You are doing it again;

the guy is not arrogant;

he was just putting forward very sound lateral thinking logic and quite frankly, I agree with his wider view.

 

Lets be nice and treat this member with some common decency.

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You are doing it again;

the guy is not arrogant;

he was just putting forward very sound lateral thinking logic and quite frankly, I agree with his wider view.

 

Lets be nice and treat this member with some common decency.

 

I will indeed treat this member with common decency - as i did from the outset, and only responded when he suggested that i have only "half a brain cell" if i disagree with his views.

 

subject closed from my point of view

 

kindly do not re kindle it!

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Hi Oilyrag, Saddler & Andrew1

 

I hope you don't stop posting Oily because its people like you that are giving hope to people like me.

 

After advice from people on CAG I recently wrote to a number of creditors (that I had received dodgy agreements for) offering them a full & final settlement of 15% of the amount outstanding. Not had any written replies yet except one has just contacted me to confirm they will accept my offer and mark my credit file as 'account satisfied'. He says they'll confirm it all in writing and give me 28 days to pay.

 

 

I was getting a bit down with the whole job (especially after so much misplaced negativity following the Waksman judgment) but this has really pepped me up - the whole unenforceable credit palava - its not a myth!

 

 

 

The other thing is that this company did provide me with a microfiche copy of an agreement which on its own wasn't enforceable but did contain a line of text that said something like 't & c on the reverse'. They provided a typed copy of these t & c which did appear to make the agreement enforceable.

 

 

 

The relevance to this thread is they have provided a signed copy of an agreement and the alleged t & c. But they obviously don't have the original and presumably know that without it the court couldn't enforce. Back to the old 'better to be defendant than claimant'. And they settled for only 15%.

 

 

Some might post that I should have offered nothing - but the thing that drives us all nuts is the 'uncertainty'. Provided they are as good as their word I now have 'certainty' and in my view at a small price

 

 

Thanks to everyone who posts and please keep posting. 1 down only 8 more to go!

 

Great but you must make it clear that your payment is in 'CONSIDERATION' (use the term consideration) of your early settlement of an unenforceable debt

 

Fail to do this & they'll be within their rights to come back for more:eek:

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