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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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    • We have finally managed to obtain the transcript of this case.

      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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Txtloan - Debt Collectors


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Thanks Kayleigh for your judgemental views. As noted by a couple of posters you don't know my circumstances so I would keep your outrageous and unreasonable thoughts to yourself. I've got an GCSE, A-level and 2:1 honours in business studies so I guess I poo poo your business studies acumen I am afraid. If you think that a couple of people defaulting their loans creates a market force to increase their interest rates your gravely mistaken. I think you need to go back and study a bit more about market forces and economics my love.

 

6 months is quite a long time I agree - such a shame they have refused to give bank details to resolve this issue and it would have been more like a month. I refuse to.

 

The forum is for advice and positive comments - keep your self-righteousness to yourself for future reference you troll.

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Thanks for the support Glo.

 

They are ubelievable for communication. Can't you believe I have been waiting for nearly 4 weeks for a response on my offer of £160.

 

Txtloan have told me via e-mail they will accept this figure but have demanded that this has to come from Fredricksons. When I speak to Fredricksons they say the offer is too low for the settlement fee on their system.

 

They have now gone back to txtloan with the offer - but they are still awaiting a response from them and its nearly 4 weeks!

 

Crazy, crazy antics. To think they could have the money wired to their account in a day but there incompetence is delaying matters.

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I know how you feel willo53 I'm having problems with one of mine at the mo. Firstly they accepted my offer and when I offered to pay via paypal they decided to retract! Anyway as long as we keep communicating (frustrating as it may be) then if it ever does get to Court (which I doubt!) then at least we will have a defence of sorts. Keep us posted!

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  • 4 months later...

hi there,

need to contact the debt collection company i was sent to by text loan but i haven't received any response to my email for days. do they have any other companies dealing with their depts. i have trid to call friedrikson but they don't seem to find my account with them. though i received an email that i'm defaulted.

need to solve this quickly! any help?

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