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    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
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      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.

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Hi, I could do with a little help as new to this. I am working for a large car parts firm delivering parts, I suffer from sleep apnea which is a disability, one of my work mates which I thought was a mate told the manager how tired I looked and swerved the van, so immediately I was send home with no explaination and no proof of the allegation. I am off sick with stress due to all this, my disability is controlled by a CPAP machine and I am perfectly fine to drive and have never had an accident, I feel as though I am being discriminated against and that no one believes me which is awful. Any advice would be greatful, thanks in advance, also forgot to mention that I pointed out that other drivers have had accidents, quite badly some of them, my reply was "but they don't have sleep apnea" which means I am being treated differently to everyone else

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This is difficult, as your employer has a responsibility for you and the wider public. The only way you will move forward with this is a Doctors report saying that you are fit to perform your job as a delivery driver. If you had an accident after this had been reported to your employer, they would be in trouble., being potentially liable.

 

See your GP or the doctor who has treated your condition to see what they can do.

We could do with some help from you.

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Thanks for your reply, I am seeing the docs and hospital for my conditions but I went through the same thing 12 months ago so its not as though my company didn't know about my disability but because one person said I looked tired, but by the way was a lie, the thing that popped into there head was "you have got sleep apnea" and I know that I am fit to drive, I wouldn't risk my life or anyone elses if I thought I would a danger on the road. Going to see some one at the CAB as all this is really stressing me out as all I want to do is get back to work, they have no idea what they are causing me.

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Not sure CAB will be able to help. If your employer thinks you are not fit for work driving for them, then it is up to you to get a medical saying you are fit to drive.

 

The company you work for have a legal responsibility for ensuring that their drivers are fit to drive and any slight doubt must be taken seriously. Whether they should offer some occupational health assessment in this situation I am not sure. Depends on your contract, as to whether you are entitled to pay while you are absent as they sent you home.

We could do with some help from you.

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Must agree with the above. The employer is completely in the clear here since they are acting on an observation/concern expressed by a colleague (irrespective of whether this is true or not). The responsibility for health and safety is sufficient for them to act in the way that they have.

 

It is also true however that they have an obligation to act within the rights afforded under the Equality Act, and since they are aware of a disability (as defined by the EA) should be looking to obtain information from your medical records, possibly an independent assessment and report of your condition, maybe a driving assessment, and consideration of what reasonable adjustments can be made to allow you to work relatively normally.

 

If medical advice and any assessment carried out were to indicate a risk, then the employer could look at options including non-driving work or ultimately capability to remain in work. I say that not to worry you, and I sincerely hope it doesn't come to that, but it is a possibility.

 

So, you need to discuss this ASAP with the employer - of course once you are considered fit to do so. Emphasise that DVLA considers you fit to drive, based on medical opinion and assessment. You are perfectly willing to share your medical reports with the employer and to have an independent assessment of your condition and even a driving assessment if necessary. The employer would be wise to take aome or all of these options up before doing anything further.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Thanks for the advice but the person who is involved in all this has done the same to others in the workplace either to get extra feathers in her cap or not, I have been in touch with the DVLA and they have told me I am still able to drive, my employers now are looking at the fact that on my sick note the doc has put "stress" as even my doc thinks all this is detrimental to my health, I have told my firm they can look into my medical records as ive nothing to hide but it seems strange that they did exactly the same thing to me 12 months ago and I was found to be fit to drive and carry on as normal but because they are a big company they can treat ppl like something you scrape off ur shoe, thanks again for your advice forgot to say that I haven't got a contract asked for a copy as I remember signing one but they were adamant that I had one until I proved that no one in my branch had a copy

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If you can catalogue the previous instances where this person has acted mischievously then it may be worth lodging a grievance?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Thanks for that sidewinder I am getting on to that grievance as its not only me shes done this sort of thing to

What would she gain from this ? Extra work for her and her friends ? I don't think a grievance will go down well and it may not help your cause.

 

I think it would be better to address the health issue that has been raised and to make sure your employer is happy with you to drive for them,

We could do with some help from you.

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I woudl also be looking into joining a union who can represent you in the future.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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What would she gain from this ? Extra work for her and her friends ? I don't think a grievance will go down well and it may not help your cause.

 

I think it would be better to address the health issue that has been raised and to make sure your employer is happy with you to drive for them,

 

I agree up to a point. Whilst it would be far better to be able to convince the employer of fitness to drive (and on the available evidence this does not seem to be in doubt to those outside of the organisation), if this is the second such instance inside 12 months then it may well be that the employer is having doubts and this could all end up being rather uncomfortable anyway.

 

If the employer's doubts have stemmed solely from the word of on person only, and if there was no just cause for such comments to be made, then a grievance may be entirely in order - after all that is effectively what this person has done to the OP. For certain it is not the way to gain popularity, but if the OP genuinely feels aggrieved, and the alternative looks as though capability is being brought into question, then it may be appropriate.

 

Absolutely agree that the OP needs to know exactly where they stand first and foremost, and I restate that the employer should be given medical evidence, DVLA approval etc, but if it is looking like the employer is seeking to take the OP off the road despite medical advice, then start hitting back.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Also the advantage of union membership is that IF you end up being dismissed later on and it could be a breach of the single equality act, your union *might* take the case on for you and help with the tribunal, inc the fees.

They can also help represent in grievances etc as well

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Thanks for your reply, I am seeing the docs and hospital for my conditions but I went through the same thing 12 months ago so its not as though my company didn't know about my disability but because one person said I looked tired, but by the way was a lie, the thing that popped into there head was "you have got sleep apnea" and I know that I am fit to drive, I wouldn't risk my life or anyone elses if I thought I would a danger on the road. Going to see some one at the CAB as all this is really stressing me out as all I want to do is get back to work, they have no idea what they are causing me.

 

I suspect the relevant test you can ask the hospital for is a sleep study (polysomnography) performed with you on your CPAP machine, to demonstrate that (treated) you no longer suffer apneic episodes, contrasting this to your (diagnosis, untreated) study.

 

If you are at a centre that offers it, a functional Maintenance of Wakefullness test (such as the OSLER test) would show if you suffer from excessive daytime sleepiness - pretty definitive evidence to provide to your employer but very few centres offer this.

 

As an alternative approach : is your employer's fleet fitted with "black boxes", and if so : is it worth asking if your metrics show an increase in sudden breaking / swerving than the "normal" drivers - as if not on what basis do your employers base their concerns?

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They review the SD card on the machine at the yearly review. It gives lovely figures such as usage and episodes where it has to work on you.

 

They fact that you are compliant and are using the machine makes you fit to drive. If the treatment was failing the the hospital has a duty of care to inform dvla.

 

There would be no need for a sleep text now you are on treatment.

 

You could even obtain the resmed software and upload the SD card yourself on pc or laptop. Pm me if you need it. Assuming you are on the resmed box ofc.

 

On a lighter note, do try not to strangulate yourself on the pipe...

 

http://www.sleep-apnoea-trust.org

 

Are good.... Maybe get in touch too

 

http://www.sleep-apnoea-trust.org/detailed-guidance-to-drivers.htm

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They review the SD card on the machine at the yearly review. It gives lovely figures such as usage and episodes where it has to work on you.

 

They fact that you are compliant and are using the machine makes you fit to drive. If the treatment was failing the the hospital has a duty of care to inform dvla.

 

There would be no need for a sleep text now you are on treatment.

 

You could even obtain the resmed software and upload the SD card yourself on pc or laptop. Pm me if you need it. Assuming you are on the resmed box ofc.

 

On a lighter note, do try not to strangulate yourself on the pipe...

 

http://www.sleep-apnoea-trust.org

 

Are good.... Maybe get in touch too

 

http://www.sleep-apnoea-trust.org/detailed-guidance-to-drivers.htm

 

So, does the SD card show compliance with the set treatment parameters, or "effective treatment"?.

I suggest it shows the former, but doesn't prove the later, which makes a difference if someone claims "treatment not working"

 

"They fact that you are compliant and are using the machine makes you fit to drive" : wrong.

The fact that the compliance with effective treatment has removed the daytime / excessive sleepiness makes the OP fit to drive. If the OP needed a higher pressure set to resolve their symptoms then the current treatment wouldn't make them fit to drive.

 

The data on the SD card shows the OP to be compliant with using the machine & the pressure set / achieved.

This is enough data, but only IF:

a) the OP says "my symptoms have resolved" and

b) no one else (like the employer!) is suggesting the OP is still symptomatic.

 

If the suggestion (rightly or wrongly!) is the OP is still symptomatic from sleep apnoea then a repeat sleep study (on their current CPAP support) could be used to show their current setup treats their apnoeas : even then, that just shows their apnoeas have resolved.

 

If there is any suggestion of another sleep issue such as idiopathic hypersomnolence contributing, then overnight polysomnography won't help on its own. This is why sometimes the overnight study is followed by a MSLT (multiple sleep latency test) to rule out narcolepsy or idiopathic hypersomnolence, or, if the OP was forced to prove they have been effectively treated : a Maintenance of Wakefullness test could be used (to show that not only were they compliant with treatment / their apnoeas were prevented) but that the end result was that their symptoms of excessive sleepiness were EFFECTIVELY treated.

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"As an alternative approach : is your employer's fleet fitted with "black boxes", and if so : is it worth asking if your metrics show an increase in sudden breaking / swerving than the "normal" drivers - as if not on what basis do your employers base their concerns?"

 

I would never in a million years invite anyone to look through tracking generated data, i'd put my house on it everyone here who drives would see many bad readings on it and unless you remembered every occasion "oh that was where i car stopped suddenly, a car pulled out, i swerved as kids were messing etc." it will only make you look bad. The employer does not ever need to gauge this against how the rest drive, only the highway code and road traffic act.

 

The only way for me for the OP to prove he is fit to drive is through medical reports, lack of accidents is a factor but their concern is the accident waiting to happen, with the recent bin case in scotland where the driver killed the pedestrians after having a heart attack i know the transport department where i work is very nervy about any know risk for their drivers now and is undergoing a massive health surveillance excercise.

 

The employers position here is simple

 

Risk Assessment :-

Hazard - Road traffic accident due to sleep or tiredness caused by their staff member with a medical condition they were aware of.

Likelihood of it happening. -????????

 

I'm all for employee's rights but if i was a manager here the person would be off driving until i was positive that likelihood was 0% and that i could also prove this in court/coroners on behalf of the employer if one of my employees injured a member of the public where one or more fatalities is a definite possibility of the known hazard.

 

Unless the OP can prove he is as safe to drive as the normal employee i get the feeling this will turn into a medical redeployment case where the employer should be looking at alternative roles in the company.

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"As an alternative approach : is your employer's fleet fitted with "black boxes", and if so : is it worth asking if your metrics show an increase in sudden breaking / swerving than the "normal" drivers - as if not on what basis do your employers base their concerns?"

 

I would never in a million years invite anyone to look through tracking generated data, i'd put my house on it everyone here who drives would see many bad readings on it and unless you remembered every occasion "oh that was where i car stopped suddenly, a car pulled out, i swerved as kids were messing etc." it will only make you look bad. The employer does not ever need to gauge this against how the rest drive, only the highway code and road traffic act.

 

The only way for me for the OP to prove he is fit to drive is through medical reports, lack of accidents is a factor but their concern is the accident waiting to happen, with the recent bin case in scotland where the driver killed the pedestrians after having a heart attack i know the transport department where i work is very nervy about any know risk for their drivers now and is undergoing a massive health surveillance excercise.

 

The employers position here is simple

 

Risk Assessment :-

Hazard - Road traffic accident due to sleep or tiredness caused by their staff member with a medical condition they were aware of.

Likelihood of it happening. -????????

 

I'm all for employee's rights but if i was a manager here the person would be off driving until i was positive that likelihood was 0% and that i could also prove this in court/coroners on behalf of the employer if one of my employees injured a member of the public where one or more fatalities is a definite possibility of the known hazard.

 

Unless the OP can prove he is as safe to drive as the normal employee i get the feeling this will turn into a medical redeployment case where the employer should be looking at alternative roles in the company.

 

"i'd put my house on it everyone here who drives would see many bad readings on it" : the very reason my advice to the OP was to be compared to the "average" / "normal" driver.

Not "do I brake / suddenly steer" at all, but "do I do so more severely / more often" than usual.

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