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    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
    • So, why do DVLA (via that leaflet) say 1) 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) AND   2) before DVLA have reached their licensing decision ? (Since S.88 ceases to apply once they have reached a decision to grant or refuse a licence)
    • 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.  
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Ex Gratia offers to Creditors - how likely to accept


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Before I send out letters with offers of full and final amounts, I want to canvas opinion on what you guys and gals think.

 

I have inherited a lump sum which will cover 64% of my debts across the board.

 

Creditors include:

Santander

Creation (cretin) finance

SYGMA Card

Lloyds TSB

 

Any experience on the membership that thinks they would accept?

 

I've been paying token pro-rata amounts for two months now. Cretin finance have declined my prorata offer, the others have gone with me.

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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Hi

Before going the f&f route, have you reclaimed any charges or PPI that may be on thee agreements?

 

With your F&F, I would suggest having a maximum figure in mind then offering a quarter of that as a starting point. Some creditors will accept the lower amount.

 

Be aware that even though a creditor has accepted a F&F, this does not mean the rest is written off. There is nothing stopping the creditor selling the remainder UNLESS you get it in writing that they accept your money as a F&F and they will not sell any remainder on to any other party.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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and never ever F&F unless they will remove ALL negative data

mark the debt 'settled' [NOT partial settlement]

 

and ensure they hold the legal paperwork too

 

i'd also check all of those debts SHOW on your CRA file too

 

if they don't then question WHY you are even paying it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks;

 

They all do appear on my CRF

There's no PPI, but there are charges....

 

I've taken the charges off the amount owing anyway as I don't see why I should pay them.

I will ensure that everything is in writing and reported correctly, just wanted to canvas opinion on likelyhood of acceptance from the creditors.

 

Think I will offer lower amounts and see where it gets me...:wink:

Edited by stevesj
spelling

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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dont forget the charges will be + their comp int rate

 

ci spreadsheet

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi ifu

 

I don't think that you are being stupid; I have wondered the same thing.

 

The CRA has considerable status when considering formal routes like a DRO/IVA/Bankruptcy.

 

Perhaps more relevantly, accounts are sold on merry-go-round within the evil empire as spreadsheets and balances; I should certainly like to check thouroughly that said account actually existed before paying some random bandit and that random bandit had an audit trail.

 

x

 

 

v

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there can only really be two reasons why debts dont show..

 

they ahave became statute barred and fallen off after 6yrs of no activity

 

or

 

a default at some point was registered

after 6yrs, paid or not, they will go off too in some circumstances.

 

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default, whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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https://www.noddle.co.uk/signup?source=mgm

too

more than one helps

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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