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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  
    • 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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printing error on original credit card agreement


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Hi,

 

I am having a lot of financial problems at the moment and have been looking through this site. I got a letter from Capital one stating that the original credit card agreement had a printing error. When I phoned to ask what the error was in relation to they said that it was to do with the terms and interest rates.

They have given me an address to write to but wondered if I should go down the route of requesting the original CCA to find out if it is unenforceable or whether I should state that as there was an error on the original agreement that I feel that it is invalid and therefore any debts under the card should be written off.

Can anyone give mw some advice as I do not really know where to start.

 

Thanks

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When was the card taken out?

 

Cap One's credit agreements are usually a copy of the application form which contains none of the prescribed terms required in an enforceable credit agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Seems cap one are getting wind off the fact there cca's are mostly unenforceable and using this taktic to try and get around it.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Got home today and there is another letter from Cap1. This one says that they are making some changes to my credit card agreement which will become effective from 1st April 2009. The have enclosed 2 leaflets which they said that I will have to read and stated the paragraphs that I need to look at. When I look at the paragraphs all the interest rates state % p.a. (variable).

Can they do this??

Thanks

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Hi does anyone have anyone have any advice that they can give on my 2 replies above?

 

Much appreciated

 

Hi Pudsey, are you questioning whether they can increase APR or the fact it doesnt state a % rate just ??

 

If its just % then its a printing fault and you should let them know if they plan to increase the apr which I suspect then they need to advise you prior to this and that the leaflet supplied was incorrect therefore they cant change it for another month (to allow the 30days notice which I think is stated in their t&cs somewhere)

 

If its an actual number on the leaflet then yes they can provided they give you notice up your apr and unfortunately they can double, possibly treble it:cry: banks make up their own rules now:(

 

PmW

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Thanks. Can you please give some on advise on the fact that they have sent a letter saying that there was printing errors on the original agreement. Does this mean it would be invalid?

 

Thanks

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Thanks. Can you please give some on advise on the fact that they have sent a letter saying that there was printing errors on the original agreement. Does this mean it would be invalid?

 

Thanks

 

Fraid I've no idea... probably best if you could actually qualify whats different.. can you see the change they've made.. yes I know that means reading some real small rubbish print:cry:

 

Then people can judge how important the lapse was and whether it gives ground for anything in the future.. Because the card was taken out recently a lot of avenues for unenforceable docs have been closed by new regulations.

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Hi there,

 

My cicumstances are very simular I also recieved a letter from Cap1 and have noticed some discrepencies between my original CCA and the new one sent out last month with the cover letter stating "there was printing errors on the original CCA".

 

So far I have notices:

Min Monthly repayment info to be different (£5 on the original and now changed to £5.00 on the new one)

Right to cancel box is a lot bigger with more specific info on the new agreement comparred to a one liner saying "we will send you exact details of how and when you can cancel" on theold one.

 

Anyone know where I stand on this as I have nearly £5000 on my card and am really struggling to make the payments. Finally my card was taken out Sept 2008.

 

Really appreciate any input guys in advance!

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I have also received a "printing error" letter. In mine they are changing the original 0% interest free period from Nov 09 to May 09 - effectively cutting the period down by 6 months. I have all the original papework letter and agreement clearly stating Nov 09. In a telephone call last year they tried to tell me it was May not Nov - and I told them they were wrong.

 

Printing error or not, they made an agreement. The must be a hel f a lot of people affected by this underhand action.

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