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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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CREDIT AGREEMENTs


Hayley1210
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Good evening, well I am spending my Saturday evening really scrutinising a SAR received from barclaycard and wonder if anyone can offer any advice on what should be included in a credit agreement. The one i have received looks more like a standard application form to me (it gives my maiden name in name and address box, my salary and bank details that's it nothing else). No payments details, no interest rate or payment dates, nothing. There is a small box that's unreadable that talks about consumer credit act. Oddly, it's signed in my married name, I was three months into my marriage at the time, but I don't understand why name wasnt changed. There is no signature from barclaycard. I'm not convinced it's an actual agreement, its more like one of those that you sometimes receive through the post with a big "offer ends October" written across top. My account was opened in 2002 but as a way forward could anyone let me know what specifics are required in a credit agreement?

 

Many thanks, this site has been wonderful in helping me toughen up and get my financial life back on track

 

Hayley

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Sadly, I am spending my Saturday evening going through MSE and CAG and trying to help out other people who have had similar problems to me.

 

While both of us are being productive, I wish we both had better things to be doing on a Saturday night...

 

Good luck with yours...

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Yes, absolutely Bandit!! Bless you though, it's pretty decent of you and the many others on here giving their time and doing their best to help others, I can't stress how much this site has helped me in so many ways:-)

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Hi Hayley,

 

If, as you say above, BC have responded to an SAR, you are lucky to have anything regarding the credit agreement itself. This document (whether a credit agreement or an application form) is normally only supplied in response to a CCA request.

 

Perhaps they sent you an invitation to apply in your maiden name and you applied in your married name.

 

In any event, this is clearly an application and not a credit agreement which, theoretically, they require to enforce the debt in court.

 

Are you looking to reclaim PPI and/or penalty charges on the a/c or were you hoping to question the enforceability of the a/c.

 

Is the a/c open or closed and are there any arrears. A little more info will help us, if you want advice.

 

:-)

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Hi Slick, thanks for responding. Perhaps I should submit a CCA too do you think? I've trawled through 6 years of statements although there never have been many charges added to the account except for last five month which I will try to claim back. the account remains open, I'm in dealings with mercers at present but b/c refusing to stop charges/interest so I'm just trying to delve a bit further. Paying £1 a month at present :-)

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Hi Hayley and thanks for the info.

 

As you've already been supplied with the application form, I see no point in sending a CCA request - they'll just send you the same documents again.

 

If you are experiencing Financial Difficulty, the bank has a duty to recognise this and assist. Please read here and write to the bank asking for charges and interest to be stopped - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

Any penalty charges added to the a/c can and should be reclaimed in full. BC will argue and you may be forced to take court action. However, as the amounts involved are relatively small, they may agree to refund if you persist. We'll help you with this.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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