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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,

 

Sadly I am no expert on these things but I have found this thread to be really good.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html

 

I think a lot depends on whether the prescribed terms are on the same document as the signature...

 

Anyway, If this doesn't help, hit the triangle and ask a mod to take a peek.

 

Good luck,

 

Spam. :)

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Hi

While I am no expert, it seems all the prescribed terms are there therefore in my opinion, enforceable.

hold fire for others to comment before making any decisions though.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Spam and Fox. I have taken a look at the thread Spam but I'm feeling a bit dim today and can't seem to take the info. in, so I'm hopeing that an expert will take a look for me!:DPleeease

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Hiya,

 

The only thing I can suggest is if you post up the document with the amount of loan , repayments ,apr etc With the figures showing and just remove personal details so that it can be checked if its properly executed.

 

Most companies give an APR etc but sometimes they under or overquote on the exact figures and you could actually end up paying more than you should.

 

If the figures aren't accurate then it could be 'improperly executed' so it's worth a look.

 

Spam.:)

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Sorry hit wrong button - DER!!!!

 

Amount of credit = 3,500

Duration of the agreement = 62 months

Total amount you pay = 4,845

Amount of monthly payments = 80.75

APR = 13.4%

Total charge for credit = 1,345

Annual interest rate = 13.45%

 

The annual interest rate stated above is the annual equivalent of our monthly interest rate of 1.057% calculated on a compound basis.

 

Thanks

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Loan Calculation, Thu, 09 Jul 2009

 

 

 

Number of Monthly Repayments:62 Monthly Loan Repayment (£):£77.17 Total amount to repay (£):£4,784.29 Total Interest charged (£):£1,284.29

 

The figures you have quoted gives the above result. It depends now whether there was an arrangement fee etc. which would have increased the monthly payments etc. If not, there seems to be a bit of a problem in their calculations. 8-)

 

You may want to play around with the calculater yourself and see what you come up with.

 

Spam. :-)

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Hi Spam, No there was no arrangement fee. Sorry to sound thick but what are the implications of these figures being wrong? Do you have any advice on what I should do about it? and I will put the figures in the calculator again myself.

 

Thanks again

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Loan Calculation, Thu, 09 Jul 2009

 

 

 

 

Number of Monthly Repayments:62 Monthly Loan Repayment (£):£80.53 Total amount to repay (£):£4,993.03 Total Interest charged (£):£1,493.03

 

 

Yes, It is very strange.. in order to come close to the monthly payments quoted you would have to have an APR of around 15.5%

 

Your monthly payment of £80.75 x 62 (months) actually works out to £5006.50..

 

They have quoted total credit to be £4845 therefore they are charging you an extra £161.50 i.e an extra 2 months payments spread over the 62 months... am I making sense? :???:

 

Spam.:)

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I think the closest APR they have used is about 14%. that almost matches the figures.. but they've definitely been creative with the repayment figures :eek:

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Looks like they just rounded the APR up to suit themselves. I know the difference isn't that much but surely they shouldn't have done it?:confused:

 

I really am not 100% sure, but there is the possibilty that the agreement could be 'Improperly executed' as for those repayment figures the APR would be incorrect by more than 1% and the credit charges don't match the APR, and falls short by more than 0.1 (at least as far as I can make out) but you really do need an expert on that one.

 

I have a similar situation with my Halifax loan

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/204302-spam-getting-grips-halifax.html#post2225533

 

Spam.:)

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Hiya,

I think a SAR is always a good idea. I've recently received the statements from my loan and discovered they've added some nasty charges on it when I defaulted.. I've just got to get round to looking at that.. so IMHO it wouldn't do any harm if you can spare the tenner.

 

Just make sure... if you send them a postal order make sure you make it out to HBOS Plc as if you leave it blank they will send it back to you, as I found to my great cost and annoyance!!

 

Spam.:)

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Hi sent off the SAR today. I have made 20/30 payments on this loan never missing or making a late payment but moved so did'nt use the account much and some t!!t at HBOS contacted me and stated that THEY have noticed:mad: that I have not been making all my repayments(with other companies and in dispute).That I can not afford to live and as a (what for it ) !!! Responsible lender they have reduced my overdraft. Can they just look at my credit file without my permission and for no reason

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if u have an o/draft with them, id suggest they do have a reason really. i think most financial institutions will be doing the same on a regular basis in this economic environment in all honesty

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Hi sent off the SAR today. I have made 20/30 payments on this loan never missing or making a late payment but moved so did'nt use the account much and some t!!t at HBOS contacted me and stated that THEY have noticed:mad: that I have not been making all my repayments(with other companies and in dispute).That I can not afford to live and as a (what for it ) !!! Responsible lender they have reduced my overdraft. Can they just look at my credit file without my permission and for no reason

 

Agreeing with R&B here, if you have a bank account/loan etc. then these companies regularly update your credit file with the information as to whether you are conducting your account(s) satisfactorily or whether you are in default or late with payments and they can check to see how you are behaving with other companies. I have been checking my credit file recently and all but one bad marker on my file is from the Halifax... they're right b**gers and can destroy your credit rating at the drop of a hat.

 

Still, they're part of LLoyds now so what can you expect!

 

Spam. :)

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Thanks Spam r&b got a letter saying they are going to do a home visit this sunday!! Not really sure where to go with this figures slightly wrong, should I just start paying again or is there anything else I can do:confused:

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