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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.
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • 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  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
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Joanne versus Halifax


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Hi All

 

Let me start by saying great site.

 

So far I have just completed the spreadsheet and the request for payment letter. I will be posting them recorded delivery first thing in the morning hope all goes well.

 

Will keep you all updated on my progress.

 

Good luck to me and everyone else who claims of them EDITED banks.

 

Cheers

 

Jo

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GoodLucklkjbhgcgnfc.jpg

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi J-W

 

Completed payment letter AND the spreadsheet!

 

Wow! You don't need this forum, it needs you!

 

Suggest you repost on the Halifax site as you'll probably get more response there.

 

Me? I'm still struggling with spreadsheets.

 

Good luck, keep us posted and remember my mantra "one for all and all for one"

 

Regards.

 

Vandermerwe

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Seams like I should repost this in the Halifax forum do I start a new one or is there a way to move this thread.

 

Thanks for all the messages already. Gives me confidence.

 

When doing the spreadsheet it reminded me of when the bank took all my money that I was gonna spend on my girl for here birthday, as you can imagine I was crying my heart out.

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Thread moved. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Ok . .i will get that done. Can you Private message me your new one?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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yes thankyou again for the advice will keep you all up to date. I sent my letter off today 1st class recorded delivery, so gonna check royal mail website tomorrow. Then sit back an wait to see if they reply.

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Hiya Jessi,

 

Glad to see you made it in here. :p

 

Dont forget to keep us updated on how your claim progresses.

 

And if you need anything, just shout, some one will always be around with some advice. :D

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Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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UPDATE received letter from Halifax this morning as can be read below

 

 

Thanks you for your communication, we acknowledge receipt of your complaint about bank charges. We believe that your complaint concerns the level, fairness or lawfulness of the charges. If it concerns something else, such as an administrative error, please let us know.

We believe the charges are fair, transparent and lawful. Please be advised the banks has not become involved in legal proceedings with the office of fair trading (OFT) in relation to bank charges which we believe will resolve the legal issues regarding the fairness and legality of your bank charges.

It would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible. However, until the determination of the legal issues in the above proceedings. We have asked the financial services authority (FSA) to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that project your rights.

We can assure you we have registered and stored your complaint. Please retain your bank records, as this will make it easier for you to support your complaint on resolution of the test case.

Once the legal proceedings between the OFT and the banks finish, we will resolve your complaint as quickly as possible.

We are sorry that we have not been able to respond in full to your complaint now, but we (together with the FSA and the OFT) think that it is necessary to resolve the key legal issues before we decide how we should respond to you complaint.

Obviously exactly what will happen next will depend on the courts. We do not know how long the case will take – we have promised to proceed as quickly as possible but inevitably given the importance of the issues being considered this may take many months to finally resolve. But we can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible. If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Financial Ombudsman Service (FOS) (or the courts).

Given this court case we have asked the FOS not to proceed with any other case they are hearing until the test case is resolved. FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the legal issues being considered in the test case.

Similarly, you should be aware that if you choose to issue a claim in the courts, the bank will immediately apply to the courts for an order to stay your action until resolution of the bank’s proceedings with the OFT.

 

Does anyone know what I should do next.

when I sent the prelim letter I included the bottom paragraphe

 

In considering this request for repayment, your attention is drawn to the Press Release issued by the FSA on 27th July, which states:

 

"Consumers who are in very difficult financial circumstances - 'hardship cases'

 

Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS."

 

I believe that my personal circumstances fall within this category because during the time off charges levied against me I was in receipt of hardship benefits from the department of work pensions, proof can be seen on my bank account records

So does this mean that they still need to act on my request or are to in the right.

Please help I think that I have left it too long.

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Hi there hardship would need to be proved, behind with mortgage, being chased for debts you have failed to maintain etc, if you still feel you fall into this category then you have 2 choices start legal action or contact the FOS and you will need to prove you are indeed in Hardship.

Failing that you wait like others are until the OFT testcase is over.

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Yes am still recieving Income Support as am a single mother. So should I contact the FOS. If so could someone please give me thier contact details. And let me know what I should write to them.

 

Many Thanks

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Thanks tilly i will get intouch with them just hope it works its hard with 4 kids being on my own an partly disabled so the money would help out loads just keep fingers crossed for me

thanks again

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