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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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Please help regarding charging orders? Apologies if in wrong place.


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Hi SV,

The previous poster is correct in saying they may try to secure a debt on your property but in perspective this is the situation.

Whether you take secured or unsecured money from a lender the option is open to them to secure on your property anyway. They have to follow procedures which if they have not they cannot obtain a charging order. They have to have an enforceable agreement or they cannot obtain a charging order.

So although the poster is correct you have to remain cool headed to deal with these people. In my opinion you should deal with the creditors who have the ability to suceed in obtaining a charging order first. This is why I suggested earlier to split all your debts into different threads in order to ascertain the situation.

Keep your chin up

Exasp

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Ok, so let me know if I have missed anything....

 

I send a N244 form to the courts asking for an ajournment, I SAR HSBC (done), I send a CPR 31.14. (Do I send this to the court or the solicitor?) or both? Could you let me know if I have missed anything?

 

Also, if you are very kind any wording needed for each document. I need to wait until tomorrow in work where I have access to a printer.

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Hi BD,

Yes in a word, my situation was that I borrowed a debt for home improvement on a house I had purchased solely and the debt was in my name solely. They however succesfully obtained a charging order on a joint property I owned with my wife some years later. As Snoops said in the other thread they justify it by attaching it to equity in your 50% of the ownership

Exasp

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Ok, so let me know if I have missed anything....

 

I send a N244 form to the courts asking for an ajournment, I SAR HSBC (done), I send a CPR 31.14. (Do I send this to the court or the solicitor?) or both? Could you let me know if I have missed anything?

 

Also, if you are very kind any wording needed for each document. I need to wait until tomorrow in work where I have access to a printer.

:|

 

Any suggestions?

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  • 2 months later...

Please help, I SAR'd HSBC and all they sent to me were statements and a letter about the current state of the bank charges case....

 

I have now received a warrant of execution to advise that if I don't pay the court the full amount by 23 Feb they will be sending a bailiff out to seize goods to the value......

 

I am in the process of sorting out my debts slowly but surely and am about to contact payplan for assistance. I cannot afford the full outstanding amount but will do anything to prevent baliffs calling round.

 

Does this mean they won't accept payments now???

 

Please help I am at my wits end!!

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  • 4 weeks later...
They have to follow procedures which if they have not they cannot obtain a charging order. They have to have an enforceable agreement or they cannot obtain a charging order.

So although the poster is correct you have to remain cool headed to deal with these people. In my opinion you should deal with the creditors who have the ability to suceed in obtaining a charging order first.

 

Exasp

 

I was interested in what you said about the Charging Order needing a valid agreement. What about Statutory Demands? I got one from 1st Cr*d (Goldfish) in 2008- and then came to an arrangement with them to pay a nominal monthly amount. I have since cca'd them and they seem to have gone away - no CCA but I got a letter promising " no enforcement action" until CCA found - closely followed by an arrears letter!

 

It looks as if they have no CCA - I also have established they issued a dodgy DN and the TN was actually issued the very next day - so they will get no more from me without going to Court.

 

BD

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