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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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Difficulty in paying CC, now default notice served, go for CCA?


mickthespur
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Hi All

 

My wife and I are now unable to pay her credit card and informed HSBC a few months ago.

 

Due to disc removal back operation and recent heart attack I am unable to now work and am surviving on benefits, namley DLA.

 

I outlined our circumstances and asked them to consider writing the debt off which they did not (suprise)

 

They asked us to pay the minimum payment, we could not afford that and settled to pay £1 a month.

 

They have now served a default notice under Section 87 (1) of the Consumer Credit Act 1974

 

We have always in the past met the card payments and we accept we are responsible for our debt but due to circumstances it is not possible to now meet these payments

 

Would going along the CCA route be advisable so that HSBC could not enforce the Default Notice and then allow us to come to an amicable agreement with them?

 

I would be most gratful any advice

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Hi Mickthespur ,

 

There is no court in the land which will make you pay more than you can reasonably afford . Providing you work out and tell HSBC what you reckon you can afford to pay , and offer them these terms .... then you will ave shown willingness to settle and they can't get blood out of a stone .......

 

Just one point , if you haven't already done so , ... make sure your benefits etc are being paid into an account which has no connection with HSBC (called a Parachute Account ) .... so that they can't grab any credits that come in for your day to day living ...... which they're legally allowed to do under what's called 'Right of Set-off ....

 

Of course to give yourself a bit of breathing space you could send a CCA request , just to see if they've got the agreement .....

 

Also , if they pass the debt to one of their In-house DCAs (like MCS) ask them for copies of the agreement to prove their authority to collect ........... but at the end of the day , if there is a valid agreement and you pay what you can afford you can't go far wrong .....

 

and you know to come back and ask if you're in any doubt ....... :)

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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