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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.  
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    • 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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Marlin/Mortimer claimform - Shortfall of Credit acceptance Corp uk car finance, **Claim Discontinued***


LorryMan
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Take a look shortly LM.

 

 

Regards

 

 

Andy

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Apologies LM I got sidetracked.

 

 

Ok the defence you propose is rather dated and screams debt avoidance apart from your own input that you have added.An initial defence should be short.... accept..or agree or refute...don't expand.Put the claimant on notice that you will challenge and request proof of their claim.

 

 

Have a look at the slymon thread I have posted him an example and he has edited it to suit his claim.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?413578-MKDP-court-claim-on-2001-HSBC-loan-please-help/page3

 

 

Regards

 

 

Andy

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Apologies LM I got sidetracked.

 

 

Ok the defence you propose is rather dated and screams debt avoidance apart from your own input that you have added.An initial defence should be short.... accept..or agree or refute...don't expand.Put the claimant on notice that you will challenge and request proof of their claim.

 

 

Have a look at the slymon thread I have posted him an example and he has edited it to suit his claim.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?413578-MKDP-court-claim-on-2001-HSBC-loan-please-help/page3

 

 

Regards

 

 

Andy

 

 

 

 

Hi Andy Thanks for your advice, Can you take a look at my revised defence and let me know if it's ok.

 

 

All the best,

LM

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Far better ...I personally wouldn't add the last paragraph...if they do disclose you simply make application to amend your defence.

 

 

Regards

 

 

Andy

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Far better ...I personally wouldn't add the last paragraph...if they do disclose you simply make application to amend your defence.

 

 

Regards

 

 

Andy

 

 

 

 

Cheers Andy, I will delete the last paragraph as you suggest.

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Defence is filed. Checked with Northampton CC who confirmed everything is ok and filed on time. Not sure what to do next, do I just wait until I hear from court with a date. Is there something I can do in the meantime to prepare for the court appearance.

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They now have 28 days to respond so until you know if they wish to there is little to be done...if they don't respond the matter is stayed.

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Cheers Andy,

Sorry for all the questions but does stayed mean, just put on hold until they respond.

 

 

Yes.

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Just a quick update, received an email from Mortimer Clarke agreeing to allow extra 28 days for filing a defence. The problem is I received it a day after my defence deadline. Do you think this was intentional hoping I wouldn't make the deadline and they could get a judgement by default, or am I just thinking too much. Either way the defence was filed on time so all is fine.

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Hi all,

Hope everyone had a god new year.

I've just received a letter from MK sols stating they have received my defence, and have sent me copies of docs that they have sent me before, Stating that There is no default notice as CAC(uk) issued a notice pursuant to s(98)(1) cca1974 which is the duty to give notice of termination on non default cases.

They also claim that their client has complied with my s79 request and sent me another copy of the agg. However this is the same copy posted at the beginning, still with no t&c's attached, even though the agg makes reference on two occasions to the t&c's overleaf.

Am I correct in assuming that with no t&c's their client is still in breach of my s79 request.

They conclude by saying that "their client does not consider that I have a valid defence and if I wish to continue with my defence please explain the precise legal basis for this". Otherwise I should withdraw my claim and invite me to put forward payment proposals to their client.

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If it does not contain the T&Cs from inception a copy of the current statement balance and a copy of the Ombudsman handbook then they are still in default.

 

 

"They conclude by saying that "their client does not consider that I have a valid defence and if I wish to continue with my defence please explain the precise legal basis for this". Otherwise I should withdraw my claim and invite me to put forward payment proposals to their client."

 

Its not for them to judge the defence a Court will preside over that and you do not have to justify its legal basis pre trial...of course they want you to withdraw the defence it costs them further expense to proceed with allocation.

 

You can respond to them in your Witness Statement ...if it gets to that stage and they pay the fee....that their attempt of complying with your CPR request failed miserably.

 

Regards

 

Andy

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  • 1 month later...

Hi all,

I have now received notice of proposed allocation to the fast track, and N181 to complete from Northampton CC.

I have also received a letter from MC sols with draught proposed directions for me to agree to or propose alternative suggested directions.

 

 

They also remind me that their client does not think I have a valid defence and invite me to complete a statement of means and put forward proposals.

 

 

They conclude by saying that if they do not receive the signed draught/suggested directions or a completed statement of means form within 7 days they have been instructed to make an application on notice for summary judgement.

 

 

The proposed directions seem pretty standard, I have to go out now but will post them up when I get back for any advice.

 

 

Thanks LM.

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Hi

 

Yes it is pretty standard stuff but beware of the threat of Summary Judgment (CPR 24)...keep an eye open if they do make application...they should confirm if they have on their completed DQ?

 

Regards

 

Andy

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Hi I have just attached the proposed directions for me to sign and return if I agree with them. as I said earlier it all seems pretty standard but would be greatful if someone could take a quick look and give me their opinion.

Just one thing i'm not to sure about. In paragraph 2 they say about serving all docs relied upon 14 days before. I'm not sure what they refer to when they say (These should include the letter making the claim and the reply.)

 

 

Thanks LM.

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Its just a duplicate of the Directions in your Notice of Allocation...set by the DJ... not the Claimant.

 

Andy

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Responding to your PM

 

That fact they remain in default of your section 77/78 has no bearing on mediation...all parties are expected to participate...unless of course you have either payed it since the claim issued or its a case of mistaken identity.

 

Your defence I assume requested proof and disclosure of the agreement and as the claim proceeds they will have to disclose said agreement at Standard Disclosure (as per your Directions you have just posted) or at the conclusion (trial).

 

Dont chase or remind they are aware of your request and of your defence.

 

Regards

 

Andy

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  • 3 weeks later...

Just a quick question. on the DQ question J other information asks if I intend to make any application in the future. not sure what to put. if I put no, will it prejudice me later if I ask for the case to be struck out because they still haven't or can't supply the T&C's from my S79 request. I notice on Mortimer clarkes DQ which they have served me with, they have left the question blank.

 

 

Thanks for your advice

 

 

Regards

LM

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Then you leave it blank.

 

Regards

 

Andy

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On the Solicitor representing

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