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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application  around 6 weeks before expiry and with it the disclosure of his sleep apnea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldnt drive- but i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially comitting an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all    
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
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David Lloyd/major Law claimform - £900 'couples' gym membership arrears from 2018


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3. I emailed DL to state ' can I speak to someone regarding my membership'. With DL you have to email any request or put a request through the DL app. Then they contact you within 3 days and provide a case reference number. Then a person from DL membership team called me and I verbally advised them I was in financial hardship. 

4. When I tried to cancel my membership they stated I could not cancel if it was frozen so I reactivated it. I gave formal notice to cancel my membership May 22 and paid £345 on 31st May. Then advised I need to pay a further three months as a notice period. 

5 and 6. My communications were mostly by phone. I did send an email to DL around May 22 disputing the membership period and that I felt misled about cancellation process. I do not have a copy of this email. 

I made two payments to ARC on 1.11. 22 and 1.12.22 of £100 on both occasions. 

ARC contacted me June 23 to ask why payment arrangement had failed. I advised ARC that I was in financial hardship due to changes in my employment. ARC agreed a payment plan of £38 per fortnight June 23. I failed this plan due to emergency car repairs.

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Answer Q 7 please 😎

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DL has added £116 for late payment fee back in 2022. The original debt was for three months membership which equals £780. 

I completed SAR and DL came back to me with correspondence. I have pasted correspondence re membership in attached word doc and record of payments. Hope this helps. 

SAR - DL.pdf

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those terms are really not fair.

they cant do that. 

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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made sure we have everything in one mass pdf please

might be better to read our upload guide and the websites listed there too.

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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Hi Blossom,

In their email of 15/11/21 DL say "as you are in your initial term period, we would not be able to cancel the membership at this
moment in time, your earliest leave date is 01/04/22" .

You started your thread saying the m/ship began in 2018 so please confirm the m/ship start date and the initial minimum term you signed up for.

They invited you then to confirm about possible illness, relocation or job loss yet I can see no  mention from you of hardship (it didn't have to be a complete job loss). Did you tell them about hardship you were experiencing  ?

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Sorry my initial thread stating 2018 was an error. My membership started 21.08.2020. DL have sent me all correspondence via excel spreadsheet so I will try to  redact and convert to PDF at some point tomorrow. 

I have done another quick scan and these are the only communications where I have mentioned finances. 

2.6.21

Comment: I have been unable to pay my direct debit on time this month due to emergency outgoings. I will make payment on 13th June

4.11.21

RCB1= Incoming call - member wanted to advise she will make the outstanding payment on the 15th of November due to an work error not receiving full salary.

Member has been advised as long as the payment is made on the 15th there shouldn't be any issues getting in the cllub

8.1.22 Optimus added a note:

08 Jan 2022, 9:03 PM GMT

Member Telephone:

Comment: Membership  i will be paying this months installment on 20th January. I've been off work due to covid and therefore not been paid. Ive reinstated the direct debit.

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Sorry my initial thread stating 2018 was an error. My membership started 21.08.2020. DL have sent me all correspondence via excel spreadsheet so I will try to  redact and convert to PDF at some point tomorrow. 

I have done another quick scan and these are the only communications where I have mentioned finances. 

2.6.21

Comment: I have been unable to pay my direct debit on time this month due to emergency outgoings. I will make payment on 13th June

4.11.21

RCB1= Incoming call - member wanted to advise she will make the outstanding payment on the 15th of November due to an work error not receiving full salary.

Member has been advised as long as the payment is made on the 15th there shouldn't be any issues getting in the cllub

8.1.22 Optimus added a note:

08 Jan 2022, 9:03 PM GMT

Member Telephone:

Comment: Membership  i will be paying this months installment on 20th January. I've been off work due to covid and therefore not been paid. Ive reinstated the direct debit.

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From what I understand, you've not specifically told them you want to cancel due to hardship and you agreed to catch up with missed payments and freeze the m/ship(s). If I've missed something, tell me.

The other angle here you may be able to use is DL's greedy requirement for 3 month's notice even though you signed for a full 12 month period, not a shorter or "Rolling monthly, cancel anytime" contract.

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Looking at this objectively, DL mentioned 3 times they could consider immediate cancellation on certain grounds (illness, relaocation or job loss) on 16/3/21; 15/11/21; 25/4/22, but you never took the chance to cancel on grounds of financial hardship.

So as per my my last post, I think your defence needs to focus on DL's greedy need for 3 months notice to cancel.

Q. Have they tried to charge you any months they were closed due to Covid ?

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Excellent, so even if a judge rules against you, you can avoid a CCJ damaging your CRA data.

We'll help with the defence but shout please if we get to within 5 days of the defence due date.

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  • 2 weeks later...

So ML are going to send you the membership agreement when they get it and are willing to agree to an extension of 14 days, to file your defence, from when they supply this.

I'm not sure if you need to delay filing the defence but I'll come back in the next 24 hours .......

We could do with some help from you

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it changes nothing

you do nothing

was it an email ?

exactly the same letter sent to the other of these claims too  here today.

 

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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 The following defence is what I have drafted for Pdiidy on a similar claim .

Proposed defence Pdiddy David LLoyd.pdf

You will have to edit adapt points of cancellation within the intro as I believe you asked for the membership to be frozen  rather than cancelled.

 

Regards

Andy

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  • 1 month later...

have you heard anything?

mcol claim history last entry still your defence filing?

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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Letter received 18th September from HM Courts. 

"I acknowledge receipt of your defence. A copy has been served on the claimant ( or claimants solicitor). The claimant may contact you.... If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. 

Where he wishes to proceed, the claimant must contact the court within 28 days of receiving a copy of your defence. After that period has elapsed the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order of lifting the stay."

 

I have not heard anything since. 

 

 

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mcol?

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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