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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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Default notice advice opinions please


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Hi all

 

I have a default notice where i have several reasons for it being invalid, some of which are:

 

There are NO dates, details or ANYTHING ELSE which relate to my loan. It has no details about me whatsoever.

 

It was attached to a letter from the lender with some details, but only the outstanding loan amount not the arrears amount.

 

It has 14 days from the default notice, not date of service.

 

The date on the letter was 21/03/07.

 

Received a letter from them dated 04/04/07 part of which says 'We have been approached by the debt management company (which was the CAB) you have enlisted to help with your financial affairs with an offer of repayment. This offer has been accepted subject to regular reviews, however the payments are insufficient for us to keep the account open.'

 

This, together with the fact that they give the full remaining balance, not the amount of the arrears, makes me believe that I had been given a letter of termination. Am I right? I believe I only owe the arrears not the full amount due to unlawful cessation of contract.

 

I am not taking this to court but it is being looked at by the Ombudsman service. Would I get the same result as with court?

 

Also, does the fact that the default notice has no details about me or my loan at all mean that the bank could deny that it is their default notice at all? I have CCA'd and Subject Access Request'd the bank but only in the last few days, obviously no replies yet.

 

Would appreciate some opinions. Don't have a scanner to post up and tried to upload via photobucket but unreadable .

Edited by stereophonicsfan
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Does is state that it is a Default Notice as a heading? It may be a Statement of Default which they are obliged to give you before they actually send you a Defaulot Notice. If it has none of your details on it then it is not a lawful DN.

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It does actually say that under the heading but nothing about me or the debt at all.

 

DN002.jpg

 

Trying to upload it again but always comes out to small to see. Any ideas?

 

Also could you confirm that the wording on the letter sent on 04/04/07 'however the payments are insufficient to keep the account open' means it has been terminated?

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