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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 
    • Looks good to me. We generally start letters to BW Legal "Dear Rachael and Sean" referring to their two directors.  It shows you've done your homework on their rubbish company.  Plus they must have traced the origin of these letters to CAG by now so they know you have back-up and will just cause them big trouble if they're daft enough to do court. Add the PCN reference at the top, at the bottom write COPIED TO G24 LTD, and over the next few days invest in two 2nd class stamps and get two free Certificates of Posting from the post office.
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Citizens Advice exposes payday lenders’ failings as OFT closes in on unscrupulous lenders


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I find the fact that they actively champion the fact that 8 out of 10 customers pay back loans in full and on time. I find this shocking. 1/5 of their customers don't. What's the situation with them? How are they treated? How much are they stung in fees and charges?

 

If, and I quote 'Responsible lenders don’t lend to those unable to pay back' and 'Our members don’t target vulnerable people or lend to the unbanked' Just what sort of individual is within this 20% that don't pay back in full and on time.

 

It beggars belief.

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Have you seen their website?

 

Read some of the text on the front page.

 

http://www.cfa-uk.co.uk/

 

Unreal!

 

Hi sequenci

 

Just had a browse through.

 

Wonder what goes on at the team meetings......and now onto the afternoon session.....the subject is commission and timeshares

 

Yes, its a joke

 

This and a few other practices in debt and finance cant go on much longer its getting beyond rational thought now and is galloping out of control.

 

Code red has been spotted on the radar in the distance, but affirmative, it is definitely there

 

My opinions

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Government wont do ANYTHING about them. They belive the 'industry' should be self regulated. Why? Perhaps we should ask Mr Beescroft why.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

It has long gone past joke proportions.

 

The OFT pass it onto others after 12 weeks plus the rest

 

They then sit and talk about it along with their 'concerns' and an agency that takes over in April 2014

 

In the meantime, yes, you have guessed it......NOTHING REALLY HAPPENS AND THE MISERY & COST JUST GOES ON

 

My Take:)

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

 

Hi

 

I saw and listened to the chap from the CFA on the TV, the minister Jo Swinson was also briefly interviewed.

 

It was that bad we ended up having to purchase a new TV set today.

 

I have got to stop drinking in the house at night and maybe get out a bit more

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and didn't they also recently say that they were not interested in any interest rate caps?

 

also, http://www.consumeractiongroup.co.uk/forum/showthread.php?395822-Payday-lenders-could-face-advertising-ban&p=4276328#post4276328

 

Like i said, i blame a certain person already mentioned in this thread. it may just be a coincidence, but all the things he has done, it's just TOO much of a coincidence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:) see that now #14. they the minister reiterated it a couple of days ago as well, live on s news. Edited by Ford
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Consumer Minister Jo Swinson described the get-together, which was also attended by trade bodies, as “productive and lively”. She said one of the big issues raised was the ease with which people were able to take out more than one loan – often without lenders carrying out proper checks.

 

 

One borrower was able to take out 36 at the same time which was, Ms Swinson admitted, “pretty shocking”.

 

 

 

 

 

Interesting to see that Stella Creasey was not invited to the meeting !

 

 

Labour MP Stella Creasy was not invited to yesterday’s event, despite being a leading campaigner on the issue.

 

She said: “If you are a legal loan shark I think you would walk away very happy from the meeting. It wasn’t even a slap on the wrist for them.”

 

 

 

 

 

 

 

http://www.mirror.co.uk/news/uk-news/watchdogs-branded-too-soft-payday-2017363

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Yes, strange that.

 

They cannot handle her maybe

 

She gets it spot on and will be proved right on everything she says in the end.

 

Top lady, no fear, tells it how it is.

 

In contrast I have Just seen this press release

 

http://www.dailymail.co.uk/tvshowbiz/article-2354147/Kerry-Katona-dropped-face-payday-lender-Cash-Lady-declaring-bankrupt-second-time-years.html?ico=tvshowbiz%5Eheadlines

 

Now, even if you tried your hardest you could not make some of this up.

 

Seriously, even for the Payday Loan industry it cannot get any dafter, can it?

 

My opinions and views

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

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Yes, I saw that Kerry Katona is bankrupt again. You would have thought she would have learned her lesson from the first time round !

 

It is quite ironic that she was advertising such a shoddy product whilst working her way towards a further bankruptcy !

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Brilliant PR for the payday loan firm though - NOT! hahaha.

 

Well yes, there is that. See what happens when you get involved with us.. even if you are working :lol:

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

 

Hi

 

I am not sure how much involvement she has with her local CAB.

 

She is active in general nationally on the payday loan issue and has been for sometime

 

If you google her name in with payday loans and citizens advice there is plenty of stuff on there.

 

I have heard and seen her on TV & radio numerous times and read her articles etc

 

In my opinion she gets it right and trounces the opposition every time she is on by simply base lining the questions and points of view which is all you have to do in any debate when the issues are obvious and attempts to bullxxxx and smoke screen are made - just keep bringing the other side back to the base line with the simple facts and figures.

 

It is easy with the Payday loan industry as we increasingly keep seeing - so much so that is quite frankly just a blot of an embarrassment the likes of I am struggling to remember ever seeing before, it really is getting that ridiculous.

 

Listening to the minister and the payday loan spokesmen the other night was simply a pathetic inexcusable joke in my opinion.

 

The CAB have been campaigning on this for some while and are ratcheting up the pressure along with other organisations, people, forums and so on.

 

It is headline stuff as we can all see - it is absolutely wide open for all to see and getting worse, but nothing is happening - WHY?

 

The misery goes on in the communities and for others caught up in this menace.

 

I can remember years ago when there was outcry against the doorstep lenders but this is on another planet compared to those days - dare I say it, but the doorstep lenders actually look inviting compared to this lot - best regards guys, come back, all is forgiven, we never meant what we said back then:)

 

Crack down on welfare, but turn a blind eye to this type of thing

 

At least give people and families a chance.

 

The Local Authorities, CABs, GP Surgeries, other agencies and support groups are right at the front line with all this, as I have said before debt advice is not just about debt management plans, bankruptcy, IVAs & Debt Relief Orders - it is also all about the other huge percentage including the most vulnerable who don't always fit that criteria who can very often find themselves left on their own in dealing with crisis & priority situations.

 

Flashy client testimonials and clever marketing box ticking mean nothing in this sphere of benefit, debt & housing advice, you can trust my word on that one

 

With regard to the Mail article, it speaks for itself -

 

Yes, a BRU is likely but not sure if that matters too much in the world of showbiz

 

My opinions

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