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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.
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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  
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if we assume the rabate figure is correct it stll doesnt include any of the stat 8% interest (which they say the will re-calculate upon appceptance) as i wont be appcepting the payment off my mortgage can ywou work of the figure date and add interest that way ??

i will try to obtain the settlement figure but will have to wait till wednesday next week now

 

what do you think to the letter ?? too long maybe shorter and to the point or ok as it stands ?

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Your letter should just ask them how the figure of £1,700 is calculated (you want to see the calculations).

 

In addition yur letter should ask them what about the contractual interest you have paid on the PPI sum included in your mortgage AND what about the 8% on those payments as well.

 

The amount of £3,400 odd they have calculated up to the date the loan was settled is bang on.

 

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can you give a short letter i can adress to them for me please ?

then when i have spoken to them on wednesday if they wont give me the info over the fone i will fire the letter off

like i said putting things into writing as never been my strong point

thanks kev

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dear sir / guys name at bank who uphelp my complaint

i am writing in response to PPIlink3.gif claim number ******** which you upheld on **th may 2012

After a lenghty discussion with foslink3.gif i have decided that your offer of redress is unacceptable the figures upto loan settlement dates are fine and put me back in the position i would have been had you not mis sold me ppi .

I am advised that a redress into a joint mortgagelink3.gif account is totally unacceptable and that all ppi should be paid direct to me as set out by fos

in addition i would like for you to explain to me how upon settlement the figure of £1776.36 as been reached.

also added to that the contractual interest inccurred in my mortgage as a result . plus the standard 8% interest to be added

please be advised that if i dont recieve a reply within 14 days i will pass this onto fos with immediate effect

regards kevin ......

 

 

hows that sound ???

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Letter starts Dear Sirs

 

First paragraph says that they haven't given you enough information as to whether you can accept their offer or not. Tell them that you are willing to accept an offer when they provide the following further information.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPI given at that time.

 

2 Their calculations as to how the £1700 mortgage reduction figure is arrived at

 

3 Their proposals for refunding the extra interest charged on the mortgage account as a result of PPI a ppi balance being included in it from the start.

 

 

You then finish by saying that if they provide all of that data the likelihood is that agreement can be reached but if they fail to supply you with adequate calculations and evidence you will refer the matter to fos who will undoubtedly require them to provide it and it may cost the £850 for a case fee as well. They can avoid this by providing you with the information now.

 

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thats sweet and i think i can draw up a letter to suit.

only thing that you dont mention and i think should be mentioned is that i want the money and they have no right to pay it into the mortgage account

also no mention of any times scales i should give them to reply

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................................................................ name and address

..................... date letter sent

................... your ref ppi claim number

 

Dear sirs

 

I feel you haven't given me enough information as to whether i can accept your offer .I am willing to accept an offer when you provide the following further information.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPIlink3.gif given at that time

 

2 Your calculations as to how the £1776.36 mortgagelink3.gif reduction figure is arrived at

 

 

3 your proposals for refunding the extra interestlink3.gif charged on the mortgagelink3.gif account as a result of PPI a ppi balance being included in it from the start.

 

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest

 

 

If you provide all of that data the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

 

regards ... signature

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................................................................ name and address

..................... date letter sent

................... your ref ppi claim number

 

Dear sirs

 

I refer to our ongoing correspondence in respect of this upheld PPI claim.

 

I am please to agree the calculations you have provided in respect of the loan account up to the the date of its closure in the amount of £3,4xx.xx

 

However, I feel you haven't given me enough information to enable full agreement because you have not provided detail of the calculations in respect of the mortgage. I would be willing to accept an offer when you provide the following further information which I can verify and thus confirm your figures to be correct.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPIlink3.gif given at that time

 

2 Your calculations as to how the £1776.36 mortgagelink3.gif reduction figure is arrived at

 

 

3 your proposals for refunding the extra interestlink3.gif charged on the mortgagelink3.gif account as a result of PPI a ppi balance being included in it from the start.

 

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest

 

 

If you provide all of that data the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

 

Yours faithfully... signature

 

See my amendments in blue and when these are done you're good to go

 

ims

 

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last paragraph

 

If you provide all of that data within 14 days of recieving my letter the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

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all done and ready to roll on thursday

 

07.06.2012

Your reference PPIM/********

Dear Sirs

I refer to our ongoing correspondence in respect of this upheld PPI claim

I am pleased to agree the calculations you have provided in respect of the loan account up to the date of its closure in the amount of £3,453.86

However, I feel you have not given me enough information to enable full agreement because you have not provided detail of the calculations in respect of the mortgage .I would be willing to accept an offer when you provide the following further information which I can verify and thus confirm your figures to be correct.

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPI given at that time

2 Your calculations as to how the £1776.36 mortgage reduction figure is arrived at.

3 Your proposals for refunding the extra interest charged on the mortgage account as a result of PPI a ppi balance being included in it from the start.

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest.

If you provide all of that data within 14 days of receipt of this letter the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence I will refer the matter to FOS who will undoubtedly require you to provide it which may also incur £850.00 for a case fee as well as time related extra interest, You can avoid this action by providing me with the information now

Yours faithfully

kev *******

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