I was summoned by the dvla to attend our magistrates court last month Oct 2011 !they asked the dvla official to present his "EVIDENCE" ! the dvla said they hadn't recieved the V5 so i couldn't have possibly sent it !! WTF ! I told the court that the law states that you are innocent until PROVEN guilty beyond any reasonable doubt ! & that the dvla only had "in their opinion" i had not sent it in & that wasn't & couldn't be classed as PROOF in a court of law ! I also stated that "my contract with the secretary of state began & ended " when i correctly addressed my envelope, placed my V5 document in that envelope & sent it with a first class stamp ! I further stated that having discharged my "LEGAL OBLIGATION" to the secretary of state it in no way meant that A: my letter reached them via Royal Mail & B: that it wasn't lost in their internal mail system & once again asked for actual proof & not just the dvla's opinion i hadn't sent it ! it was found in my favour & the dvla official looked great with the amount of egg on his face !!! :o)) Forgot to mention that the court i was in had no less than 59 cases as mine & only 4 people turned up to dispute the charge ! a very easy revenue [problem] by the dvla as i think most people would rather pay a fine than loose a days pay by turning up to court whilst not being sure if they had a chance of winning against the government ?

Hi all firstly thanks for looking and I apologise in advance if this is in the wrong place. I am new and only usually look at these forums rather than write in them. I am trying to sort out my finances after a messy divorse. I had all the debt in my name and am now unable to keep up with the repayments. I have had several debts written off due to lack of credit agrements and other issues. The main one I am having a problem with is HFC . In September 2003 I purchased a TV set in Currys , I was encouraged to take out a trade loan to cover the amount and at the time it seemed like a good idea so thats what I did. I am trying to see if the credit agreement used is enforsable. It has most of the information needed under the prescribed terms : -total cash price of goods/services .. - Amount of credit ...Number of repayments ,,,amount payable.. Interest rate of 29.5%..signiture of myself and bank,... The only things I am not sure about is whether it complys to the Credit Limit part. It states amount of credit £578.98. Does that comply or would it need to actually state 'credit limit.' Many Thanks in advance