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    • 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.  
    • Americans are already keen on UK-made coins, and the Mint said it has seen a 118 per cent increase in sales to the US since 2022.View the full article
    • 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.
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ArgosLoan, July2003, ComplaintRejected


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Hi All and Dizzi if she reads this,

 

my wife got herself in all kinds of trouble back in 2003.

 

Briefly 10 Cards and 3 loans after she lost control of her spending.

Lots of these things had payment protection.

Managed to find most companies and to date

 

1) ARGOS LOANS Rejection letter,

 

loan for £7000 to pay off other loans,

Argos Loans sent my wife a letter with a photocopy of her acceptance of this loan,

highlighted in this "You have also decided to take advantage of our Repayment Insurance for which the premium is £1,050.00 "

She signed and dated this

 

but Argos Loans, Thynne Street, Bolton, BL11 1AS say that the policy was sold on a non-advised basis

and therefore our advisors were not required to assess whether you had existing cover in place.

 

She was full time with the local council and with a pension so had employee benefits.

 

This sale was prior to FSA and Argos Loans say the FOS does not have any jurisdiction over loans taken out prior to 14th January 2005,

 

therefore you may find it helpful to make use of the Finance and Leasing Associations (FLA) conciliation scheme of which they are a member and are "bound by their lending code"

 

A responsible lender would have checked her credit rating and seen all the cards she owned !

 

Would the original application form had a box to tick to not have PPI which she may have missed ?

 

Any advice of where to go with this would be great !

 

Thanks In Advance milocoon

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if loans were refinanced

add a '0' to any claims!!

 

have you the agreements?

 

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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I have covered personal details and scanned it as a 4 page PDF file for you to look at. Thanks for your help in this matter.

Heres page 4 the agreement rescanned as ArgosLoansAgreement as I messed it up in the original

Thanks

milocoon

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total pants reply!

 

usual silly speculation

 

you need to SAR them

 

specifically ask for a copy of the previous refinanced loan agreement too.

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 dx100uk

 

I may have given you the wrong idea !

 

My wife took out a completely new loan with Argos Loans it was taken out to pay off other loans/ credit cards and was not a refinanced argos loan, I,ve had a look at the agreement photocopy and was wondering what information a SAR might get us that would help us ?

On the rear of the Loan Agreement (page 4 of the pdf) it mentions our rights under the consumer credit act 1974 and as far as I know my wife didn§t speak to a rep from Argos Loans but just applied by post ?

 

 

Thanks for your help so far !

 

Milocoon

 

total pants reply!

 

usual silly speculation

 

you need to SAR them

 

specifically ask for a copy of the previous refinanced loan agreement too.

dx

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it wont hurt to get the sar details.

 

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

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