I think there is some confusion between private use and commercial use. if it's for private use you don't need an HGV licence is my understanding providing you have the right type of car licence.
the reference to speed limiters above only appllies to vehicles younger than a certain age (1987 for HGVs I think, more recent for over 3.5tons)
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1990 Landcruiser H60. Full rebuild completed 2014
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