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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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    • 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.
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Irresponsible Lending by Provident ???


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I need some advice about provident.

 

I discovered a family member with mental health problems, who is under a psychiatrist and on anti psychotic medication has been having loans with this company.

 

Basically he had a few small loans. When a loan came close to being paid off he was given another, with the balance of the previous loan deducted from the cash he was given.

 

Two weeks after he was the victim of an armed robbery, and could not even be interviewed by the police without an appropriate adult being present, Prov gave him a £1000 loan. He asked them for it after he got a letter from them telling him he was eligible for a larger loan.

 

He gets £230 a fortnight and is paying them £70 a fortnight. he cannot afford these payments and is missing payments on his priority bills.

 

You can clearly see he has problems, so can I write to Prov and tell them that their actions in giving this loan were unacceptable, and that it is irresponsible lending on their part? Should he continue to pay this loan? Should I inform his psychiatrist because the worry is affecting him? they are due to call tomorrow for payment and he is stressed and worried sick about what will happen if he does not pay.

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Does he have a community psychiatric nurse ?

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I do not know if he told them. But, it is impossible to sit with him and talk to him and not be aware there is a problem. Even the police saw this when they picked him up, and they classed him as a vulnerable adult. hence, he had to have me present before they could interview him about the attack on him.

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  • 1 month later...

Hi Gia,

 

Self employed agents have a mandate to lend up to a certain amount and, unfortunately, there is not a lot the company can do to stop them issuing so long as the loan is within the agents mandate. The company can do plenty about it AFTER the loan has been issued but this is a bad flaw in the way the agency agreement is worded. I'd be willing to bet that the agent hasn't even made the company aware of the situation!

 

Whilst the normal way to do things would be to get in touch with the HO you'll get a faster resolution talking directly to the branch for reasons I'd rather not explain here. Write to his local office, addressing the letter to the area manager; the complaint will still reach the right people but going through the branch will expediate the process. State that you will take the matter to the FOS should you not receive a satisfactory resolution. From personal experience I think the debt will be written off fairly rapidly after that.

 

Best

 

SP

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  • 2 weeks later...

Well I wrote to his local office told them of his problems and that the agent could not possibly have been unaware of this. I informed them I was reporting the matter to the OFT and the FOS if not resolved to my satisfaction, and that the account is in dispute and no payments will be made. They replied with a slip for him to sign that allows them to address all communication about the account to me; which has been signed and returned.

 

In the meantime a manager visited his home (my letter stated no home visits allowed, but at this point they had not received my letter. Cough.. Cough...) The manager appeared very nervous and said he does not have to pay if he does not want to, but if he wanted to pay something now or in the future they would not refuse. I told him its in dispute, subject to complaint and no payments will ever be made, and showed him the door. He receives the odd arrears letter which gets ignored. However, I am still awaiting a response to the complaint from them, if not received within 8 weeks its off to the authorities above.

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Well I wrote to his local office told them of his problems and that the agent could not possibly have been unaware of this. I informed them I was reporting the matter to the OFT and the FOS if not resolved to my satisfaction, and that the account is in dispute and no payments will be made. They replied with a slip for him to sign that allows them to address all communication about the account to me; which has been signed and returned.

 

In the meantime a manager visited his home (my letter stated no home visits allowed, but at this point they had not received my letter. Cough.. Cough...) The manager appeared very nervous and said he does not have to pay if he does not want to, but if he wanted to pay something now or in the future they would not refuse. I told him its in dispute, subject to complaint and no payments will ever be made, and showed him the door. He receives the odd arrears letter which gets ignored. However, I am still awaiting a response to the complaint from them, if not received within 8 weeks its off to the authorities above.

 

 

Hello Gia,

 

 

I would suggest that you write to this nervous manager and insist that all that he said is put in writing, it has already been seen how provident conveniently forget, lose, and deny conversations and correspondence. (Don't ask Demand).

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Gia, just to let you know - the OFT are no longer in existence. You would make your Complaints to - Financial Ombudsman and the Financial Conduct Authority.

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Hello Gia,

 

 

I would suggest that you write to this nervous manager and insist that all that he said is put in writing, it has already been seen how provident conveniently forget, lose, and deny conversations and correspondence. (Don't ask Demand).

 

Excellent idea, I will do this today :)

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Gia, just to let you know - the OFT are no longer in existence. You would make your Complaints to - Financial Ombudsman and the Financial Conduct Authority.

 

Yes, I keep forgetting I have the OFT firmly stuck in my mind lol.

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he does not have to pay if he does not want to, but if he wanted to pay something now or in the future they would not refuse.

 

Perfect. Just sit on it now, this is a standard last-ditch line that is taught in the training when they're up the proverbial creek without a paddle.

 

SP

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