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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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Hi,

 

My main first post.

 

What would be consider a break of data protection???

 

I have just rung Fredickson Inter and pretended to be my husband, gave all the relevant security info that they requested'

 

And been told that I have broken the data protection act by verifying all the relevant info.

 

I told them, that I got the info re address and dob from his bin. They asked how I could verify info and I said from his bin, I told them that I would be making a complaint to the Information com, as they had no idea as to who I could be, with info from his bin, the fact that I gave in and told them I was his wife by releasing how much he owed to said company after I did sec, but before telling them I was his wife, would this constute, a break of data protection, even though I released the info after, he told me how much owed. Would this be a break????

 

They told me that I had broken data protection

 

 

I would like to know:)

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No, me too??/ I tried to put on a husky a voice, well as husky as possible and they asked twice are you Mr ***** and I said yes and verified all the relvant details and then got them by saying thanks very much you have just broken data protection, they then told me how much he owes(we already know) and then I got put htrough to a sup, after being told by a monkey and sup, that I had broken the rules.

 

I can also claim that I was in the middle of a hypo, when they were called back, as I am a type 1 diabetic, if they say I did anything wrong.

Edited by JAN1471

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I'm waiting for the next time when Fredrickson's ring Gaz as it will be fun, to see if they complain that I have rung them. As I also had fun as I kept ringing one of their 01 numbers as we don't pay for calls to 01 numbers for the first hour, I had the phone on secrecy, while listening to the monkeys going "hello Fredrickson,hello Fredrickson". so they know how it feels to be harrassed on the phone.;-)

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I did:D. Fredickson's also said that they had not broken OFT rules last night by not going to our appointed representatives and that came from a sup.

Edited by JAN1471

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So...this explains it!! DCA's thinking DPA is there to govern us and not them!! DOH...how thick am I!!!! :D

 

Now lets see what the law says about DPA...

 

An Act to make new provision for the regulation of the processing of information relating to individuals, including the obtaining, holding, use or disclosure of such information

 

Interesting....perhaps you should ask them next time which specific section and clause you are breaching exactly as I can only find obligations for THEM to do things correctly and not us!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Am I missing something here ? I dont see how fredricksons have broke data protection rules. They asked they security questions and you answered them.

As for the voice you could have been a really camp bloke for all they knew.

 

I hate freds and other DCA's as much as the next guy but I fail to see how freds have done wrong. They asked all the correct questions and got correct answers.

 

If anything the op is in the wrong and not freds.

 

Mabey im missing something.

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Am I missing something here ? I dont see how fredricksons have broke data protection rules. They asked they security questions and you answered them.

As for the voice you could have been a really camp bloke for all they knew.

 

I hate freds and other DCA's as much as the next guy but I fail to see how freds have done wrong. They asked all the correct questions and got correct answers.

 

If anything the op is in the wrong and not freds.

 

Mabey im missing something.

 

Ok, tell which part of the DPA the OP was contravening??

 

Fred's were wrong in so far as they threatened the caller by stating that she had contravened DPA.

 

As regards the initial post, then I don't actually believe that Freds disclosing info to someone, whom they reasonably believed to be the debtor, was in breach of DPA as they appear to have a resonable system in place to verify the callers identity.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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As regards the initial post, then I don't actually believe that Freds disclosing info to someone, whom they reasonably believed to be the debtor, was in breach of Data Protection Act as they appear to have a resonable system in place to verify the callers identity.

 

Thats all i was refering to.

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Surely this proves a point, with Dca's, they can not prove who the hell they are talking to when anyone phones them, as I said to their sup last night I could have got all the relevant info, from his bin and then I would have passed their security checks and yet again they would have broken the rules once again, by divulging how much and to whom, I could have given the info to my dad and asked him to call. Which once again calls into question that their security checks aren't strong enough as I proved last night. Because they thought that they were talking to Mr *******, because I verified all relevant info, they had no idea that they weren't talking to him, untill I told them.

 

And it also goes the other way, how can we prove that when a Dca calls, that we are actually talking to the said Dca and not Joe Bloggs down the road who has got hold of all the relevant info on us.

 

The sup I spoke to last night, went on to tell me that they would now put everything in writing to us, from now, which I said was what we had wanted all along, as he told me that gary had given this number for him to be called on and I said that this was my home as well and that they were harrassing me in my own home.

 

Well surprise,surprise, the sup lied, Gaz has just had them on the phone, he picked it up and answered it, they said Fredrickson Inter and he replied "You've got to be F***ing kidding me, bye "and put the phone down

Edited by JAN1471

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  • 1 month later...

Jan....can you update your thread please....if you have received a court claim, you have to acknowledge the claim within 14 days of the date on the claim form, stating that you want to defend ALL (if that is what you want to do), then you get a further 14+3 days in which to submit a defence....and yes sending a CPR31.14 is the first stage....what are the Particulars Of The Claim - there is another thread here if you need help, but if you aren't sure please shout.... - http://www.consumeractiongroup.co.uk/forum/legal-issues/199271-county-court-claim-please.html

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