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    • I have just checked and unusually, Brent Council have a website that advises on whther their streets are adopted or not. Atlip Road is a private street on their site. Brent Council - Road adoption checker form WWW.BRENT.GOV.UK Form to check whether a road has been adopted  
    • Why international criminal networks are behind a jump in the theft of catalytic converters. View the full article
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............      
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    • Bolmsgr    if it was me I would put it first as if the contract is invalid and if the Judge agrees, then you win the case.    Indeed, it may be that VCS would not even turn up in at the Hearing or withdraw which would be the ideal situation. However this is your case and FTMDave has worked hard with you to help on your WS.   Whatever you decide to put it I have modified what I said in my previous post so that you can copy it.   Definition of "Relevant contract”  from PoFA 2  [1] means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—   (a)the owner or occupier of the land; or  (b) authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land.   According to https://www.legislation.gov.uk/ukpga/2006/46/section/44    a contract to be valid requires a director from each company to sign and then two independent witnesses must confirm those signatures. The fact that no witness signatures are present means the deed has not been validly executed. Therefore there can be no contract established between VCS and the motorist. And even if "no stopping" could form a contract [which it cannot], it is immaterial. There is no valid contract end of.   Surely VCS a company that signs innumerable contracts must be aware that no contract exists at the East Midlands Airport. Two points arise from that.   The first is that by issuing many PCNs at EMA with knowingly not having a valid contract is bordering on fraudulent.   Second, VCS in order  to gain access to DVLA data VCS have averred that they have complied in their CoP that they have complied with all the legal necessities, which appears patently untrue.   As Lord Neuberger said in the famous Parking Eye v Beavis  at the Supreme Court [2015] UKSC 67-"And, while the Code of Practice is not a contractual document, it is in practice binding on the operator since its existence and observance is a condition of his ability to obtain details of the registered keeper from the DVLA.   In assessing the fairness of a term, it cannot be right to ignore the regulatory framework which determines how and in what circumstances it may be enforced". The Noble Lord is correct and should call into question the right of VCS to obtain information from the DVLA.   You may have noticed that in the second paragraph of this post the words "relevant land" cropped up which would be a good follow on for bringing up the Bye Laws and streets covered by the Road Traffic Act in case the Judge did not accept the contract argument.  
  • Our picks

Campaign? Teach Personal Finances in SCHOOL!!!!


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Let's face it, times do change.

 

Please don't throw the baby out with the bath water. Isn't this a community where everybody looks after each other?

 

The answer, my friend is blowing, in the wwwinnd

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Guest louis wu
Let's face it, times do change.

 

Please don't throw the baby out with the bath water. Isn't this a community where everybody looks after each other?

 

The answer, my friend is blowing, in the wwwinnd

 

 

Sorry Simon, I have no idea what point you are trying to make:confused:

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All well and good saying parents should do it, but plenty of parents don't have a clue themselves.

 

E-ngage Live

 

The resources are out there, and I am sure most schools do bring it in as part of the Citizenship curriculum in one way or another. Talkingshop works well, unfortunately it's sometimes difficult to get schools on board because the teachers are under a lot of pressure and have all sorts thrown at them to wade through.

Please note I'm not insured in this capacity, so if you need to, do get official legal advice.

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I was thinking just this the last few weeks. I was woefully equipped to turn up at University with my lack of financial expertise. Some kids have good folks to help them, some don't. I'm not judging any parents here! Schools should definitely play a role. I don't think I got a jot of advice about my finances in school. They should also extend lessons to promoting good citizenship, which i've been saying for years and years, and I think there was supposed to be some movement on that front. Finally, and I don't mean to be morbid, I didn't really hear much about my mortality in secondary school. Why is death such a taboo subject? You can't change it. It should be hammered home in schools that you only get one shot at life. Don't stagnate or wither away, live with death in mind, but live with great spirit. If you think in that sort of context you would make better decisions in life. That's my opinion anyway.

What sort of world do you want your kids to grow up in?

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Do you not feel that this is one of those things that parents should have the responsibility of teaching their kids about?

 

Hello Louis.

What can kids learn from parents that can't keep their own finances in order?

 

I learnt some of it in the ( Utlity ) Modern Secondary that I went to in the war.

 

I think it would be a good idea to have a GCSE in Personal Finance. What do others think?

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Hello Louis.

What can kids learn from parents that can't keep their own finances in order?

 

I learnt some of it in the ( Utlity ) Modern Secondary that I went to in the war.

 

I think it would be a good idea to have a GCSE in Personal Finance. What do others think?

 

At least something approaching that or as a core module in another subject for sure.

What sort of world do you want your kids to grow up in?

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It occurs to me that to expect parents who can't manage their own finances to teach their kids is like expecting the illiterate to read to their kids at bed time. I suppose they could pretend to read.

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Guest louis wu
Hello Louis.

What can kids learn from parents that can't keep their own finances in order?

 

I suppose if the parents are that inept, they could learn how NOT to do it from them.

 

Personal finance is on the taught at school, years 3 and 4 I believe. As to a GCSE, I wouldn't know, I supose you would have to lose something else and I wouldn't know what.

 

Parent, though, unless they have no interest in participating in their childrens upbringing, must be able to pass on personal experiences, and with the internet, can look anything up. There will always be those that don't, but the majority , IMO, do.

 

louis

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Maybe we should start to teach students how to operate a barter system.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I am at teacher in Scotland and the RBS has been coming into schools for years to talk about finance. However very biased. I know some schools have trialed finance in PSE and it is definatley something that should be taught. BUt will it make much difference when these companies are irresponsible! I agree with previous comment about educating companies.

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as an ex-teacher I agree it should be taught and has been through PSE, but I dont think that teenagers have any idea of what and does happen, they live in a consumer run society where they have to have the latest gadgets by yesterday, the amount of kids now in school who do not own the latest mobile phone, mp3, laptop, internet, you could probably count on one hand,if they havent got it, they soon become targets of the ones who have, everything is geared to get it today, worry about paying for it tommorrow

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This is where the parents blame the kids.

 

How can a 9 year old afford a mobile phone?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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a 9 year old cant its the parents who supply them with these things, how the hell did they manage b4 the mobile revolution? now its 'my child has to have a phone in school in case of an emergency' Ive had kids phoning during lesson time its gone beyond a bloody joke now

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So why are we giving the kids a lesson?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I really could have used some lessons like this at school. I did well in general at the usual academic stuff but to this day I am utterly useless at managing money (not that the banks etc have helped!). Thoroughly support this idea even if it is 16 years too late for me.

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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It's the parents buying these things.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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yep u is dead rite it certainly is but how we gonna stop em they say their little darlings must have the latest gadget otherwise their life will be incomplete

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i'm not

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Guest louis wu
Maybe we should start to teach students how to operate a barter system.

 

This is where the parents blame the kids.

How can a 9 year old afford a mobile phone?

 

So why are we giving the kids a lesson?

 

It's the parents buying these things.

 

 

As usual Josh, you appear to be having a conversation with yourself which has no bearing with this thread, and frankly doesn't make any sense at all.

 

The point is, do children need personal finance lessons, not who buys the mobile phones. Perhaps rather than posting (multiple as per usual) irrelevant posts, you actually contribute to the discussion in hand.

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Guest louis wu
the amount of kids now in school who do not own the latest mobile phone, mp3, laptop, internet, you could probably count on one hand,if they havent got it, they soon become targets of the ones who have, everything is geared to get it today, worry about paying for it tommorrow

 

yep u is dead rite it certainly is but how we gonna stop em they say their little darlings must have the latest gadget otherwise their life will be incomplete

 

 

Perhaps finance lessons need to be backed up with a strict 'technology' policy in schools. If children (especially primary school age) are carrying and using mobile equipment inapropriately, then it should be confiscated and returned after school hours.

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I take it loius you havent worked in the state schools in the 21st century you aint allowed to remove anything from them, for fear of litigation, anyway this is now definitely straying off the original point which was should kids be taught about managing money

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Yes schools should teach personal finance, I see the practical problem being will young people listen? Specifially will the people who will lose out the most due to lack of knowledge pay attention?

 

I don't think there are any easy answers but anything that makes things harder for the sort of con tricks we see so many companies pulling is a welcome development.

 

Is that on topic enough? :p

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I absolutely agree, what a fantastic idea! I'm 23 and I didnt learn anything I needed at school, I still dont know all that much about money and entitlements. It definately pays to have kids educated about these things, so at least they have a chance to not be walked over by money grabbing companies, and a chance at life in the black! I think we should petition governmen!

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