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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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Lots of debt


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Hi all! first time poster and now a frazzled brain from trying find and read what I am looking for, excellent site btw!

 

Just like a lot of others on here I have struggled to meet the monthly minimum payments on my credit cards,

I have used the templates from this site to write to the Credit Card companies asking if they will accept a pro rata payment

(still waiting to hear back from them)

 

 

do I also need to write to them asking for a credit agreement?

I thought yes to enable me to check if the debt was enforceable or not as

 

 

the cards I have were obtained 12,11,8 and 7 years ago,

obviously new cards were activated but no credit agreement was issued with the replacement cards.

 

Reading some of the threads on here would I be correct in saying the first response from the cc companies will be informing me

to expect a default notice and if they will accept my payment offer or not?.

 

In laymen terms what can or can't I do if the agreements are not enforceable in respect of them not accepting my pro rata offer?

 

Thanks in advance

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Yes still send the CCA requests. Depending on what they send back and whether they are legally enforceable will depend on what advice is given.

 

They have 12 working days from receipt of your request to provide the CCA, if they fail to do so or the agreement is unenforceable you can withold any future payments.

 

Send this recorded delivery http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter and enclose a £1 postal order.... do not sign the letter.

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Many thanks for your reply, does it have to be a £1 p.o? (will a cheque suffice?)

 

If unenforcebale you say I can withold future payments, is this until a compromise on reduced payments has been reached for me to clear the outstanding balance or leading to them writing off the debt?

 

Thanks

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If unenforcebale you say I can withold future payments, is this until a compromise on reduced payments has been reached for me to clear the outstanding balance or leading to them writing off the debt?

 

If they fail to send a CCA you can withold payment until they do. If they send an unenforceable agreement you can withold payment indefinitely, but if you wish you can negotiate repayment on your own terms if you feel morally obliged to repay any alleged debt. But remember, the words moral and finance together is something of a misnomer. ;)

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One point to bear in mind is, that if you with hold payments they will frazzle your credit rating for a minimum of six years whether or not the debt is enforcable.

 

The CCA 1974 is not a magic wand that wishes debt away.

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Thanks for the replies, I'm not wanting to make the debts vanish just to come to an agreement with them to enable me to repay an amount I can afford at present and for interest and charges to be frozen on the account to prevent the smaller repayments being eaten up making the debt bigger.

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Have heard back from one of the CC companies confirming they have received my offer letter and to inform me a default notice will follow (actually arrived in seperate envelope at same time), having read the DN I'm guessing I have a standard DN asking me to correct the breach of contract within 17 days, if I don't they will terminate the agreement, may demand immediate repayment of monies due plus any interest and admin charges and they may also assign my account to a debt collection agency or take court action to recover the debt.?

I guess I now wait for the 17 days to pass for them to contact me again to enable a repayment plan to be sorted.

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Have heard back from one of the CC companies confirming they have received my offer letter and to inform me a default notice will follow (actually arrived in seperate envelope at same time), having read the DN I'm guessing I have a standard DN asking me to correct the breach of contract within 17 days, if I don't they will terminate the agreement, may demand immediate repayment of monies due plus any interest and admin charges and they may also assign my account to a debt collection agency or take court action to recover the debt.?

I guess I now wait for the 17 days to pass for them to contact me again to enable a repayment plan to be sorted.

 

Issue a default before they will accept reduced payments?

Sounds like MINT or RBS to me. Correct?

Told you they would have to terminate the account before they could accept your plan did they?

 

Do post the DN up on here as it may be invalid

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Attached is page 1 and 2 of the notice I received at the same time but in a seperate envelope from their letter thanking me for my financial statement, that letter reads..

Before your offer of payment is considered a DN will be issued, followed by a termination letter 21 days later, formally cancelling the facility, as you are unable to make payments in accordance with your t&c's.

Our debt recovery office will contact you shortly with regard o your repayment proposals and the suspension of interest charges.Please note interest will continue to be added to your account until payment proposals are accepted.

 

defnopage1.jpg

defnop2.jpg

Edited by Americanmuscle
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Right, the DN is dated the 6th Feb which was a Saturday, so the letter could not have got into the postal system before Mon 8th, the legal system assumes that it was posted second class unless the creditor can prove differently. In that case you have to allow four days for postal service + 14 days for you to remedy the default, which brings it to the 26th Feb. They have stated you have 17 days from the date of the letter which would bring it to the 23rd, so you are three days short. The DN is defective on this count also it is defective because it should be date specific for the remedy date, saying 17 days from the date of the letter is incorrect. All you have to do now is for them to terminate the a/c & then they will have unlawfully rescinded the contract.

 

Do not let them know about the defective DN until they terminate the agreement.

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It's still defective because even if it was posted on the fri it could not get into the postal system before the following mon. Even tho' it was posted 1st class which is two days service it still makes the DN one day short + the fact that it's not date specific. ;)

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With luck you'll get the hat trick, they'll send you a termination letter dated 22nd Feb & the CCA will turn out unenforceable too.

 

 

Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983, states that a failure of a Default Notice or Termination Notice to be accurate not only invalidates such notice (Woodchester Lease Management Services Ltd V Swain & Co NLD 14 July 1998 but it is an unlawful rescission of contract which would not only prevent the court enforcing any alleged debt (Wilson V First County Trust Ltd [2003] UKHL 40, Wilson V Robertsons (London) Ltd [2006] EWCA Civ 1088, Wilson V Pawnbrokers [2005] EWCA Civ 147) - but would also give the claimant a claim for damages in the sum of £1000 (Kpophraror V Woolwich Building Society [1996] 4 All ER 119).

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