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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 apnoea. 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 couldn't drive 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 apnoea (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 committing 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  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive.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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    • 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.

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      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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Has anyone WON by default recently???!!


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Hello, just received a letter from the court saying that my judgement by default has been accepted and they have ordered lloyds to pay up.

The problem is, I don't really know when Il get my money back?!

Can anyone help me out?

I started a new thread because no one has answered so far:o

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Hi. You need to write to Lloyds asking for the money. Send a copy of the judgement with the letter. I gave them 10 days to pay. If they don't pay you need to get a warrant of execution. You should have got a leaflet with your judgement telling you how to go about this. The bank can still apply for a set aside though and this can drag the process out. HAve a read of MrTbone and aircushionbaloon's threads. they're very useful guides as to what you can expect.

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Iv'e been trying to lol! It took me ages to find, would you advise me to ring the courts and find out what is going on, or likely to happen? I didn't receive any additional paperwork, just a copy of what they issed to lloyds.

caroline

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Like I said, I would write to Llloyds first and see if you get a response.

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I did it as soon as I recieved judgement. I'm fully expecting them to apply for a aside though. Have you seen the link HagenUK posted for you? Its in ACB's thread

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Most definitely. Lloyds stupidly sent me a letter the same day I recieved judgement stating that they were aware I had filed a claim so they can't claim they didn't know. Wish I hadn't got judgement now though!!! Still, I've never been a one for doing things by the book ;)

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It's frustrating isn't it!!!!!! Are you going to keep using this thread from now on, would like to keep an eye on how your doing (not in a hanging about in the garden sense obviously :D )

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Don't think that would be very fair really. I'm just going to stick to my own thread and try to keep finding people in a similar position. I have noticed it's becoming more common. They must be snowed under bless em. They have till Friday then I get a warrant and become £55 lighter.

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JSHTR3 v LloydsTSB. If you click on my username and click find threads started by me its in there. Good luck

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Cheers nick, my mouse has suddenly developed a right click tempremant.

 

Sparkle, I've just posted on ACBalloon's thread re subgroups. I think our situation just feels difficult because not too many people have been down this route so the answers don't come as fast. I'm sure it's still just a process and if we follow it through to the end we'll get our money.

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Hi everybody,lloyds have untill tomorrow to put up a defence and it looks unlikley that they will, i have been reading this thread and others and im not sure if i should enter a default judgement anyone help

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Herbs, Give it some time, read this link http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13 and have a good long think about it before you start asking for judgement. It's not all it's cracked up to be!

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Will do. But i think i have made a blunder, i have just realised that i was supposed to send a copy of my schedules to northampton after filing my claim with mcol what should i do.

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