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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
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Alf v Barcalycard - RMA - 1st Credit - Connoughts - Now Mack Hall


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Here's the information for the local TS from RMA.

 

Steven Brimble,

>> Lead Officer,

>> Lancashire County Council,

>> 58-60 Guildhall Buildings,

>> Preston,

>> PR1 3NU

 

Now RMA/NCO have a tenancy of ignoring TS !!!

Be VERY careful whose advice you listen too

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Hi Ben,

 

yep but the complaint has to be made to your local TS and alf is in cornwall;)

 

maybe ive completly missed the point of your post, if i have then just tell me to shut up and illl go away:D

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I dealt with RMAI Resolve/Regain and NCO Europe for two years. They were vile, called me every day and sent lots of threatening letters, even when I was paying then £600 per month.

 

I then requested copies of my agreement, had no response so sent the same request to the credit card company, they failed to supply. I then stopped payment to RMA/NCO and they went crazy, called me up 10 times a day/ e-mailed numerous times and made threats to contact my employer (I mistakenly told them too much).

 

I then sent them a solicitors letter and referred them to the CCA 1974 request. They immediately replied within one day and transferred the debt back to the OC who are now making offers to settle. Still no CCA but we are close to the end game.

 

In summary, and as CurlyBen says, their letter to you is smoke and mirrors, if they had an enforceable agreement you would have it by now. They have jack all so make them a silly offer and sit tight. They will try every trick in the book and some, thankfully there are more than enough people here who are expert in suitable and closing responses.

 

Don't let them get to you!

 

Good luck and let us know how it goes....

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Hi Ben,

 

yep but the complaint has to be made to your local TS and alf is in cornwall;)

 

maybe ive completly missed the point of your post, if i have then just tell me to shut up and illl go away:D

It does no harm to alert the TS where the DCA is based. After all technically the breaches take place when they dispatch the threatomatics. Just being pedantic.;)

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Another copy of the letter as post #13 arrived this morning, this one dated 24/10/07.

 

Maybe they think I didn't get the first one because I didn't telephone them immediately upon opening it :p

 

Still no sign or mention of the requested documents though.

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Alf, do you mean this one:

 

Dear Sir/Madam,

 

Your Ref : xxxxx

 

Your Client : XXXX

 

I refer to your letter of xx/xx/2007, which was received today.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by XX DCA XX on xx/xx. I can only assume therefore that they failed to inform you.

 

Should your client now persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by XXX DCA XX under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

 

Now I hope this isn't in response to your latest RMA letter as that just needs filing and ignoring.

This one should go to "solicitors" that are threatening action, in RMA's case Leathem Locke ;)

Be VERY careful whose advice you listen too

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Alf, id wait for ben to clarify this, hes had a great amount of experience with these buffoons

 

however, my opinion would be to send it to them if they are claiming to be solicitors acting on behalf of RMA

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As with most DCA solicitors they seem to rent out their stationery to DCAs who churn out threatograms like confetti. In all likelyhood a solicitor never had sight of the letter before it was sent out. I got one from another DCA threatening all sorts. I smelt a rat when yhey used the same address as the DCA (a PO Box) I then asked them for their registered business address so as I could serve documents on them and also make a complaint ro the Law Society and the Society of Solicitors. Several days layer the so called solictor said the letter was sent out in error and without his knowledge

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Hi Alf and Curlyben,

I also have dealings with NCO/RMA and received a letter yesterday from... Westminsters Solicitors -acting on behalf of RMA. They use the same address in Kingston Upon Thames as Colemans -Ctts Solicitors, who had also sent me a letter - same guff as yesterday.

I had a letter from S. Brimble of lancashire trading standards, in relation to my complaint with RMA - and a phone call from my local TS department.

I have provided my local office with copy details of my dealings with RMA - and the fact that i had CCA'd them on 10 Oct 2007 and A SAR request the same day. Nothing back from them to date except 'text' messages to call RMA 'urgently'

In addition I have received a letter from FOS regarding my complaint to them, and I complained to the Information Commissioner for a breach of the Data protection Act - regarding their 'passing personal data' and incorrect account details to a third party (Colemans & Westminster)

Will update when I hear back from RMA/NCO

Regards

Mike8

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Curlyben,

Preston TS has only just taken on my complaint, but I will certainly keep you informed of any developments. NCO / RMA have totally blanked my complaint, so I took my case to FOS. FOS has now written to NCO / RMA instructing them to deal with my complaint. They will be charged the standard £450 fee for the privilege of ignoring me.

Regards

Mike8

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