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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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Citizens Advice exposes payday lenders’ failings as OFT closes in on unscrupulous lenders


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I find the fact that they actively champion the fact that 8 out of 10 customers pay back loans in full and on time. I find this shocking. 1/5 of their customers don't. What's the situation with them? How are they treated? How much are they stung in fees and charges?

 

If, and I quote 'Responsible lenders don’t lend to those unable to pay back' and 'Our members don’t target vulnerable people or lend to the unbanked' Just what sort of individual is within this 20% that don't pay back in full and on time.

 

It beggars belief.

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Have you seen their website?

 

Read some of the text on the front page.

 

http://www.cfa-uk.co.uk/

 

Unreal!

 

Hi sequenci

 

Just had a browse through.

 

Wonder what goes on at the team meetings......and now onto the afternoon session.....the subject is commission and timeshares

 

Yes, its a joke

 

This and a few other practices in debt and finance cant go on much longer its getting beyond rational thought now and is galloping out of control.

 

Code red has been spotted on the radar in the distance, but affirmative, it is definitely there

 

My opinions

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Government wont do ANYTHING about them. They belive the 'industry' should be self regulated. Why? Perhaps we should ask Mr Beescroft why.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

It has long gone past joke proportions.

 

The OFT pass it onto others after 12 weeks plus the rest

 

They then sit and talk about it along with their 'concerns' and an agency that takes over in April 2014

 

In the meantime, yes, you have guessed it......NOTHING REALLY HAPPENS AND THE MISERY & COST JUST GOES ON

 

My Take:)

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

 

Hi

 

I saw and listened to the chap from the CFA on the TV, the minister Jo Swinson was also briefly interviewed.

 

It was that bad we ended up having to purchase a new TV set today.

 

I have got to stop drinking in the house at night and maybe get out a bit more

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and didn't they also recently say that they were not interested in any interest rate caps?

 

also, http://www.consumeractiongroup.co.uk/forum/showthread.php?395822-Payday-lenders-could-face-advertising-ban&p=4276328#post4276328

 

Like i said, i blame a certain person already mentioned in this thread. it may just be a coincidence, but all the things he has done, it's just TOO much of a coincidence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:) see that now #14. they the minister reiterated it a couple of days ago as well, live on s news. Edited by Ford
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Consumer Minister Jo Swinson described the get-together, which was also attended by trade bodies, as “productive and lively”. She said one of the big issues raised was the ease with which people were able to take out more than one loan – often without lenders carrying out proper checks.

 

 

One borrower was able to take out 36 at the same time which was, Ms Swinson admitted, “pretty shocking”.

 

 

 

 

 

Interesting to see that Stella Creasey was not invited to the meeting !

 

 

Labour MP Stella Creasy was not invited to yesterday’s event, despite being a leading campaigner on the issue.

 

She said: “If you are a legal loan shark I think you would walk away very happy from the meeting. It wasn’t even a slap on the wrist for them.”

 

 

 

 

 

 

 

http://www.mirror.co.uk/news/uk-news/watchdogs-branded-too-soft-payday-2017363

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Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Yes, strange that.

 

They cannot handle her maybe

 

She gets it spot on and will be proved right on everything she says in the end.

 

Top lady, no fear, tells it how it is.

 

In contrast I have Just seen this press release

 

http://www.dailymail.co.uk/tvshowbiz/article-2354147/Kerry-Katona-dropped-face-payday-lender-Cash-Lady-declaring-bankrupt-second-time-years.html?ico=tvshowbiz%5Eheadlines

 

Now, even if you tried your hardest you could not make some of this up.

 

Seriously, even for the Payday Loan industry it cannot get any dafter, can it?

 

My opinions and views

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

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Yes, I saw that Kerry Katona is bankrupt again. You would have thought she would have learned her lesson from the first time round !

 

It is quite ironic that she was advertising such a shoddy product whilst working her way towards a further bankruptcy !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Brilliant PR for the payday loan firm though - NOT! hahaha.

 

Well yes, there is that. See what happens when you get involved with us.. even if you are working :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

 

Hi

 

I am not sure how much involvement she has with her local CAB.

 

She is active in general nationally on the payday loan issue and has been for sometime

 

If you google her name in with payday loans and citizens advice there is plenty of stuff on there.

 

I have heard and seen her on TV & radio numerous times and read her articles etc

 

In my opinion she gets it right and trounces the opposition every time she is on by simply base lining the questions and points of view which is all you have to do in any debate when the issues are obvious and attempts to bullxxxx and smoke screen are made - just keep bringing the other side back to the base line with the simple facts and figures.

 

It is easy with the Payday loan industry as we increasingly keep seeing - so much so that is quite frankly just a blot of an embarrassment the likes of I am struggling to remember ever seeing before, it really is getting that ridiculous.

 

Listening to the minister and the payday loan spokesmen the other night was simply a pathetic inexcusable joke in my opinion.

 

The CAB have been campaigning on this for some while and are ratcheting up the pressure along with other organisations, people, forums and so on.

 

It is headline stuff as we can all see - it is absolutely wide open for all to see and getting worse, but nothing is happening - WHY?

 

The misery goes on in the communities and for others caught up in this menace.

 

I can remember years ago when there was outcry against the doorstep lenders but this is on another planet compared to those days - dare I say it, but the doorstep lenders actually look inviting compared to this lot - best regards guys, come back, all is forgiven, we never meant what we said back then:)

 

Crack down on welfare, but turn a blind eye to this type of thing

 

At least give people and families a chance.

 

The Local Authorities, CABs, GP Surgeries, other agencies and support groups are right at the front line with all this, as I have said before debt advice is not just about debt management plans, bankruptcy, IVAs & Debt Relief Orders - it is also all about the other huge percentage including the most vulnerable who don't always fit that criteria who can very often find themselves left on their own in dealing with crisis & priority situations.

 

Flashy client testimonials and clever marketing box ticking mean nothing in this sphere of benefit, debt & housing advice, you can trust my word on that one

 

With regard to the Mail article, it speaks for itself -

 

Yes, a BRU is likely but not sure if that matters too much in the world of showbiz

 

My opinions

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