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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.
    • Perfect. Thanks so much. I’ll get these printed and posted tomorrow 
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ajs444 v Cap. one ** WON - They Cave In Just Before The Hearing **


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I take it that in the original POC that you do not mention that your claim is "Interest in Restitution" @ 24.4% and "S32.1980 Limitation Act".

 

Is this used as an argument when Crap One try to blow your claim out of the water? i.e. when they launch a defence.

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Now allocated to an Ombudsman, Crap One still refusing to supply info, say they don't have data that old, although they supplied me with statements (not showing interest rates) and the original application form.

 

The suggestion by our friendly FOS was the CCA was issued some 14 years ago, why start pursuing them now? My reply was that they are all crooks and recent revelations confirm that e.g. PPI.

 

Silence from the FOS puppet.

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Hi

 

Your POC should include references to both i.e. on what grounds you claim interest in restitution and if you are going back further than six years on what basis.

 

When you have drafted your full POC you can post it up here for review.

 

You probably already know that Cap1 can be difficult so good preparation is necessary.

 

You should be doing a lot of reading in the Cap1 forum and in other bank forums about charges reclaims.

 

ims

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Using POC maroondevo mentions above, with slight adjustments in wording, still slightly confused with Compound Interest calculator.

 

Have run it at 24.4%..... Charges £1014. Compound Interest £1948.14. this is going back to January 2002, gives total claim of £2962.14.

 

Is this right seems high?

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Cheers ims, the POC on Scottish procedure thread looks pretty basic, whilst the one on English court POC is more like War & Peace and seems to cover all bases.

 

Would it be OK to use the latter?

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Used MCOL some years ago and was very easy to use, going through Sherriff Court this time Small Claims, I take it I should refer to Statute of Limitations and Interest in Restitution in the main body of the Claim, giving reference to the relevant cases?

 

Or should they be mentioned in Section 4 of the Claim?

Don\'t let the B**tards grind you down

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As the small claims limit is £3,000 how do you intend trying to claim in excess of £6,000.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If it's under £3,000 that's sound.

 

Gave up my season ticket a few years ago, toiled to get a ticket !!! No on the telly :(

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yes, superb might have a fight for a ticket, hopefully you'll get a good result also :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hopefully it'll be a long summer for the Hibbies with them looking forward to the First Division, but then again there is only one club heading for liquidation.

Don\'t let the B**tards grind you down

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