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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.
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80k in debt reduced to 51k with F&F payments? Need some advice?


Yorkgirl74
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Thanks

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I am completely new to this site, so please move it if it is in the wrong place.

 

I am really hoping to get some personal advice.

 

I have used this forum over the last year taking advice from other peoples similar situations

and managed to start getting my debts reduced with F&F payments.

 

Ok this is what I still have: ( well between us).

 

All these debts are pre 2007!

Currently managed through a DMP

 

Wescott Credit; OC MBNA with CCJ on file since 2012(as struggled keeping up with arrangements in 2011) debt £7988

Wescot offered an F&F payment to me of £4055- I refused

 

Lewis Bradford; Aka CL Finance GE Capital ( Santander) debt £1075

F&F payment offered £900 - I refused

 

Apex credit ; littlewoods catalogue debt £2600

Wants I&E - which I have sent awaiting response

 

Apex credit; RBS loan; debt £9800

As above

 

Triton credit services; RBS loan debt £19,508

F&F offered as in offers of 16k - I didn't respond as I had offered them originally 3k

 

RBS credit card still with OC debt £5805

RBS refused my offer of £800 so offered £1800 max awaiting feedback

 

RBS credit card still with OC debt £ 5200

Same as above

 

Total debt £51,976. Have 23k to offer! And would like some change. Is this possible? Need to pay these off by 2014.

 

It appears I am getting no where at the moment?

Any advice??

 

I am currently at Uni for a year studying so have no income, but this lump sum to clear my debts!!

 

Do I need to get any SAR's on them?

 

Would that push them along??

 

Not sure where to turn now.

 

I need all your great advice.

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If they offer you F&F (If DCA --> You) then 95% of the time there is something wrong with the debt.

That sounds interesting... with Wescot & Lewis....

 

SAR are used for collecting information held by a company on you...

This could be interesting to say the least so I would SAR them all to the OC

 

Also Triton are RBS's Inhouse collection team

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi fkofilee,

thanks for your reply,

wow very speedy thanks.

 

Sorry I forgot to say I did use the forum letter on F&F offers.

So I initiated the start of F&F payments, ( they didn't just contact me out of the blue).

 

My offers to them started back in January this year by offering originally 20% of the debt

and they were the offers back to me.

 

I have held back from contacting them again in the hope they will say ok we will accept it!

( this strategy worked for one debt and managed to get that settled in full on 30% of the original debt).

 

So you think I should SAR them all.

 

Also I have done all PPI on them and kept the money towards paying the said debts off.

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The best way to deal with multiple accounts such as these is a separate thread for each Original Creditor listing the 'story so far' on each one, this will get clearer and more specific advice for each one.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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or use the named bank forum for the name of the original creditor

 

who is the DMP with please.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi the DMP is with B&E,

I know I hear you say why?

I realise it's a fee paying company.

 

Soon to be changed to a free DMP.

 

Ps can you answer me this question?

 

Can't find the answer anywhere?

 

All of the said debts apart from the CCJ in 2012, have fallen off my credit report.

 

Once my F&F settlements have been agreed and paid.

 

Does this update go back in the report as a settled marker this year or won't it show as the debt fell off the report 9 years ago?.

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Once a defaulted account has been removed from CRA files after 6 years no further reporting to CRAs can take place.

 

If defaulted account is paid in part or in full the CRA entry remains for the balance of the 6 year default life.

A defaulted debt paid by F&F will be marked partially satisfied and remains on file the balance of the 6 years.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if a debt has fallen off due to the default hitting 6yrs

then it CANNOT return.

 

one wonders why you are considering or have

F&F'd any debt that does not show

 

its not harming you

 

your F&F money is being wasted if you are doing that.

 

all very well to 'pay ones debts'

but the money could be put to better use

by clearing debts that are on the file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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