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    • (See the link to DVLA’s INF188/6 document I posted above, page 4 as cited) “I have a new medical condition that I have told the DVLA about on my recent application. Can I drive? As soon as the DVLA receives your correct and complete application for a new licence and as long as you meet all the Section 88 criteria, you may drive. It is important that you are satisfied that the medical condition you have declared on your application does not stop you from driving. If you are unsure, check with your doctor or healthcare professional before you make a decision. You can also look up your condition in the ‘Assessing fitness to drive’ guide, which you can find at www.gov.uk/dvla/fitnesstodrive to see whether you meet the medical standards for driving. As this guide is intended for healthcare professionals, it can be complicated. Your doctor or healthcare professional should be able to help you if necessary." It seems that DVLA think that S.88 does apply for applications disclosing a new medical condition after all. Why might this be so, and what of “qualifying application" and "relevant disability"? S. 92(1) imposes on the driver a requirement to disclose a relevant disability. S.92(3) requires the Secretary of State to refuse such an application disclosing a relevant disability ….. EXCEPT S.92(4) requires the Secretary of State to grant such an application if the relevant disability is “adequately controlled”. Hence my belief S.88 can apply for medical conditions (if the driver meets the medical standard of fitness to drive) as the application remains a qualifying application IF the driver meets the medical standard of fitness to drive, until DVLA (on behalf of the Secretary of State) say it doesn’t, provided the driver believes they meet the (medical) standard. Additionally, at (or before) June 2013 (as noted in my previous post) the medical standard for fitness to drive for conditions involving excessive daytime sleepiness was changed from “completely controlled” to "adequately controlled".  
    • Anyway, I've asked my Booking.com flat-rent-out-bloke what needs to be done on the Booking.com portal to cancel a reservation. I got a late message "I'll let you know tomorrow".
    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
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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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I had an accident at the end of January.

After sending all my documents in as requested, the underwriters have voided my policy.

 

They say that I didn't tell them about 2 SP30 convictions.

 

My position is this:

 

I believe that I declared all accidents and convictions when applying originally online.

I never received any documents at all, which I only realised at the time of the accident. I always keep the insurance certificate in my car. It wasn't there. The attending police officer at the accident informed me who I was insured with, as no contact of any kind had been received from Hastings since buying the policy.

If I had received the documents I would have checked them, as I always do. I would have noticed the missing information and contacted Hastings.

Their underwriters are saying that because I didn't contact them about the missing documents they are concluding that I did receive them and they have voided the policy AND cancelled my policy on the car I've had to buy in the meantime.

 

They have informed me that there is a third party claim, and said I must complete and return a "Form of Consent and Indemnity" so that Hastings can deal with the third party claim on my behalf and then bill me for it.

 

Is this last part a joke?

 

I withdrew my original claim a few weeks ago, having had to contact them again after my initial request apparently was ignored.

 

Hastings Direct are the worst insurance company I have EVER dealt with. EVER. I have told all my contacts and business associates the same to save them form the miserable experience I have had since the accident.

 

Any advice on this would be great.

I'm hanging fire at the moment, but I'm thinking that I need some legal advice.

 

By the way, the person named by the third party (motability) as being involved in the accident is NOT the person that was driving the car. I don't know if this is relevant.

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Not my area of expertise, however, if it was a motability car only two people can be insured to drive it. Both have to be named on the policy. If any one else was driving it then it would not be covered. Even if the person has insurance on their own car.

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Hi Watchman2, Thanks for your post, I am sorry to hear that this issue is still ongoing. I did respond to your post on another thread on the 16th Feb this year. If you could get in contact with me directly it would be greatly appreciated. Thanks, Jamie. [email protected] or 01424 738262

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