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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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    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi.Thank you for accepting me on this forum.

A major problem has occurred following my bankruptcy on 14/01/2011, which followed a failed IVA whichstarted in 2009.

I used the same insolvency practice (Freeman Jones of Manchester) for both IVA and bankruptcy. The IVA was officially registered as failed during the bankruptcy court appearance at Manchester Court.

The bankruptcy was discharged without problem one year later and is now removed from the records on my credit file.

A few weeks ago I received a rather ambiguous letter from Dryden Fairfax asking for my current whereabouts regarding a "personal business matter". This is when I googled their name and came across your forum. I did not respond to that letter as recommended in your forum advice.

Last Friday I received another letter from the same company advising me that since my IVA had recently????? failed, I now owe 7218.85 to their client Pco Holdco Sari. Panic set in!!!

 

I have been in touch with the official receiver involved in the bankruptcy with all the details I have and they are going to get back to me. I have always found them to be very helpful, but of course this occurred 6 years ago, so investigations are needed.

 

Would you advise that I reply to this last letter from dryden fairfax? I feel that some sort of response is needed but of course I don't want to prejudice anything by saying something stupid!

 

Do you think I should take legal advice?

 

I would add that I have been completely "clean" in my financial affairs since the bankruptcy and am steadily rebuilding my credit score. This all seems so very unfair.

 

Any other suggestions will be gratefully received.

 

Many thanks, Simon

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You had included your name as part of the subject title of the thread.

 

I have removed it.

 

I don't have any particular expertise in bankruptcy, but if you have been in contact with the official receiver about this then I would suggest that you wait till you get a response before making any kind of reply to Dryden.

 

If you don't hear back from them in a week or so, and I would get back to them politely say that you badly need an answer

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They are a debt purchasing company based in Luxembourg

 

PCO HOLDCO S.a.r.l

68-70 boulevard de la Petrusse

L-2320

Luxembourg

 

but they have a UK representative who deals with all their business in the UK

 

PCO HOLDCO S.a.r.l

c/o Grant Thornton UK LLP

Watch Portfolio Management

Lagan house

1 Sackville street

Lisburn

Northern Ireland

BT27 4AB

 

Thread moved to the appropriate forum.

 

Regards

 

Andy

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If the records are no longer immediately available because it has been more than 6 years, is it also the case that you haven't made any payment towards (or acknowledgement of) any alleged debt in 6 years?

 

If so, not only will you have a defence of "it was included in the bankruptcy and is thus extinguished" but also "even if it wasn't in the bankruptcy it is statute barred".

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You had included your name as part of the subject title of the thread.

 

I have removed it.

 

I don't have any particular expertise in bankruptcy, but if you have been in contact with the official receiver about this then I would suggest that you wait till you get a response before making any kind of reply to Dryden.

 

If you don't hear back from them in a week or so, and I would get back to them politely say that you badly need an answer

 

 

Sorry. I'm new to this and not great with computer technology.

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Ah, that sounds interesting. The first communication I had was the letter addressed to me dated 24 May this year asking me to get in touch. I have not acknowledged or replied to that one or the second dated 14 June. I assume that it would be best not to reply but would like to bring the matter to a close

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