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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • 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.

      Frankly I don't think that is any accident.

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MBNA Credit Card Account SOLD!


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Hi fellow caggers

Just an update on the MBNA account sale ....had a letter today from Moorgate Servicing complete with a statement printed on the reverse and I am still a very happy bunny as the balance is the exact amount that it should be and still indicates that interest is frozen as was the arrangement with MBNA :lol:

Hope it stays this way otherwise :wink: you know what will happen !

 

Hope yours say the same Brokebutnotbeatn !

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Hi Vic, they will probably start reporting the same default; as long as the dates etc don't change they are within their rights to do that. Having said that, sometimes they just report it as an Arrangement to Pay and not a default...

Hi Spots; I will see what's in the post when I get home tonight!

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Hi bnb

 

I follow your train of thought but I disagree with you and should hope that you would be disappointed in me were it to be otherwise.

 

A default relates to an account between creditor (who may change its name) and a debtor (who may not); there may, of course, be administrative errors but one would expect the duplicates to be connected in some manner, eg by the use of a common account number. I should expect a judge to understand that posting duplicate default entries by unknown entities might be prejudicial and vexatious (for example, Idem; have 29 trading styles and could register 29 defaults against me at the press of a buton). I agree that the law is fuzzy and that, in practice, I have little redress for the minute, however EU law is useful and currents within ICO are helpful.

 

Your second comment is also pertinent; for example, Bob Diamond (the 12 mill a year casino banker) has issued a DN of sorts via Mercers but refuses to post this on my CRA file. My Lord, don’t these ‘people’ ever want me to be free of usury?

 

Dim the lights; you can guess the rest.

 

x

 

As always

 

v

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Hi spots

 

I'll wager that there are 2 defaults showing your file for the same account though?

 

x

 

v

 

Err...yes there are and I am already in contact with MBNA on the subject.

 

The view of the ICO is that you cannot have 2 defaults showing for the same account and have already ruled in my favour in the case of B/card & Cap1 who both pulled the same trick.

 

David

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Hi all

Checked credit report and just MBNA showing atm ...as this was only sold on to come into force on the 12th March will wait and check again next month ...anyone know how often the reports are updated ?

 

broknbutnotbeatn...did you get a letter from Moorgate ?

 

spots1

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Thanks will do that. Am also going to CCA them as I was paying PPI so want to see the original agreement as I can't find it. Do you think I should do that before or after contesting the second default? Many thanks for your help.

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  • 10 months later...

When I had a Virgin credit card it was taken over from MBNA and during that time I was in dispute with them due to APR... when I first took out a credit card with them the APR was around 18% I spent £2000 on the credit card and without me realising over time the APR crept up to 30% and the £90 I was paying monthly ended up only covering the interest,,, and without even spending on the card the amount I owed them ended up going up to £4000..... during the dispute it turned out that MBNA couldnt find any notes from Virgn and now Brittanica cant either and have now sent me a County Court Judgement, and I am in turmoil... Can anyone offer any advice,or has anyone else had problems with these credit card people.. I for one will never have a credit card again, they are nasty theives.

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