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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.  
    • 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
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Uproar over student loan debt collector


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Hundreds of thousands of people with student loans outstanding from the 1990s have been sent shock letters from the company that bought the debt from the Government.

 

Erudio Student Loans was set up last year by the debt-recovery specialist Arrow Global. Credit industry insiders say the firm is renowned for “carpet bombing” potential debtors and, since taking over the loan book last November, it has been busy.

 

Several readers with deferred loans have contacted The Independent with fears that they could end up with a credit black mark or be forced to repay their loans, even though they remain on benefits.

 

They suggest that Erudio is trying to get ex-students to sign a note changing the conditions of the loan, allowing the deferral status and account to be reported on credit reports.

 

http://www.independent.co.uk/money/loans-credit/former-students-in-uproar-over-debt-collector-9240014.html

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Aha, I see Arrow Global are behind this ! We have seen one or two caggers posting regarding Erudio.

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one or two!!

 

there are loads of them in the running threads.

 

in this forum.

 

they cant change the T&C whatever people sign

 

and they certainly cannot use benefits as income

when calculating the total income.

 

its all in the org SLC T&C's.

 

Arrows are trying to pull a fast one.

 

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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as this thread is likely to get lots of viewers

let just recap a few things:

 

YOU DONT have to fill out the ultra intrusive Erudio Deferment form!

 

you can write just a simple letter outlining you circumstances.

 

you COULD use the old style SLC form questions only

 

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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This is just pathetic... AG once again trying to throw their weight around,

A simple letter should suffice.

 

Honestly, id like to see one of these letters that they have sent out...

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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One for the FCA for sure.

 

Arrow really are the pits.

 

Agree fully.

 

Until we start seeing the results of this change, we are a bit in the dark.

 

On CAGger was saying that Erudio classed her child care allowance as income which took her over the limit.

 

Nobody should sign any new agreement as then erudio are bound by the original terms and conditions. I suspect it is similar to when credit cards up the rates and you disagree, you can stop using the account and pay off the debt at the old rate.

 

As for marking credit files. If someone 'forgets' to defer by a couple of days, will this mean their credit file gets marked as in arrears?

 

Nothing like what Erudio said in their statement.

 

“This should be good news for people's credit ratings. A well-managed loan should strengthen someone's credit history.”

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I have just learned that they can 't put any mark on credit records ........only the original creditor can and since slc have now sold these loans/debts then they no longer will have any interest in doing so.

 

As for enforceablility of these debts, many have not received reply for their CCA's in the 12+2 working day limit too.

 

So! are these lemon debts?

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Arrow really are the pits.

 

also blame the govt. they gave these out under one premise, and now they've sold it without due regard to who!

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just like they did by selling earlier ones to THESIS [AKA LINK DCA}

 

this is where the money went....

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

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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  • 4 weeks later...

Arrow Global are an unusually aggressive and parasitical debt spiv, even for debt spivs. If they sniff a way they can get round the law without actually breaking the letter of it then they will do it without any consideration for their victims and regardless of how vulnerable their victims are.

 

The FCA should now build on their early promise and swat Arrow Global from the face of the earth. Arrow Global's presence does nothing to contribute to anyone except their owners. Their registered office is in Guernsey so they don't even make a contribution to the UK exchequer.

 

So, please FCA, check out those mountebanks and make the world a better place.

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