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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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Natwest 2 cards, 1 loan, **HELP**


amh01
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Hi all,

 

This is my first post and am looking for a bit of advice.

 

I have 2 Natwest credit cards and a natwest loan, The two cards are approx £1300 each on them and the loan is approx £9.5k remaining, I have not been able to make the last few payments to natwest on all 3 of these due to a downgrade in job/pay at work.

 

I spoke to natwest about this BEFORE i missed any payments to let them know that in the coming months i would probably be having difficulty meeting payments, I have now missed serveral payments (approx 4) on both the cards and the loan.

 

Today have recieved letters headed from a company called "resolvecall" basically saying that the bank have lost touch with me and that i need to contact them in the next 3 days or they will send someone to my house,

 

Now up until now i have (propably quite wrongly) been ignoring them but want to start to contact them but still cant afford to make the payments.

 

How should i go about this, should i call natwest so that i dont get some guy turning up on my doorstep or is there another way?

 

Im just really wanting a bit of advice on this as i probably could ignore it but then who knows what may happen.

 

Any advice ASAP would be really appreciated and thanks in advance for any replys posted.

 

:)

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Hi amh

 

It would be wise to write to Natwest and state your current financial position; Nationaldebt line are quite helpful.

 

Resolvecall are cheap doorsteppers but are nothing to worry about; I've had a visit and just told them to leave. Once you've had one visit the fear and the threat goes away.

 

love

 

vic

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Firstly thanks for your replies.

 

I have spoken to CCCS today and also written to Natwest advising that i am speaking to CCCS and to place my accounts on hold from any further action for the next 28days whilst i get advice.

 

I sent the letters recored delivery so they cant say they never got them.

 

I will report back on what happens on the back of this.

 

Thanks

 

Adam

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