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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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RLP replied to my One Liner of No Debt owed - help


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  • 2 months later...
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Well hello folks I haven,t been on here for a while.

 

After a long, long letter from RLP accusing me of using certain sites and making posts on them and threatening me with possible court action

 

I have just received a letter telling me to pay the full amount within 21 days or the case will be passed onto a debt recovery.

 

What letter do I need to send to the debt agency once I have received a letter from them.

 

Many thanks Paws.

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pers I wouldn't bother

 

no debt recovery agent has any real legal powers

 

they just send even sillier letters

threatening to kill your nans budgie.

 

ignore them.

 

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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Youre almost at the end of their harassment campaign. They failed to extort money from you so are trying to get a DCA into trouble. If a DCA comes calling, send the deniability letter and tell them there is no debt, and if they continue to send you letters, you will be informing the OFT.

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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Where can I find a copy of the deniability letter to send to the DCA when they start there harassment campaign. Thanx paws

 

You have already sent the letter to RLP - see your post of 03 Jul 13. This means that if you are contacted by a DCA, the debt is already in dispute.

 

If you get a DCA letter, send something like this:

I refer to your letter dated (date).

 

Take notice that your client is aware that I deny any liability to them or any company they claim to represent. Furthermore, a speculative invoice, which is the basis of your client's claim, does not constitute a substantive debt.

 

I can only conclude that your involvement amounts to an attempt to apply psychological pressure on me to pay money I do not owe, which is a clear breach of your obligations under the Office of Fair Trading's Guidance on Debt Collection.

 

No further correspondence will be entered into.

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  • 4 months later...

Good to know. Thanks for the update which should give a useful timeline to other people in a similar position.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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  • 1 month later...

there no such thing as dca's in Scotland ...so........ignore

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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Its scotcall DX. Jackies DCA of choice.

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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Snotcall are the steam on the manure pile of the bottom feeding DCAs. They have no powers whatsoever and are merely a business offering threatograms for hire. Most of their staff haven't progressed beyond using crayons but the real highflyers are allowed to use paper and scary red ink. They may even be allowed to play with the text message machine if they are very good.

 

Easily dealt with. Either ignore them or write and state that there is no liability to them or any company that they claim to represent.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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Hi this is a copy of the letter that I got from bpo solutions

 

 

Re shop owner

Outstanding liability £xxx.xx

BPO reference number xxxxxxxxxx

 

 

We are instructed to recover the outstanding liability against you, which we understand is not disputed

 

 

Could you please contact us within 7 days of receipt of this letter, failing which you are at risk of our client issuing proceedings against you, which will incur further liability by way of the additional court fees, interest and legal costs.

 

 

A county court judgement, which remains unsatisfied after 30 days, may also effect your credit rating.

 

 

We therefore require your immediate proposals to settle this matter. If you are now in a position to settle the claim, you may pay £xxx.xx to BPO collections limited.

 

 

Please see below the various repayment methods we offer

 

 

Payment may be made by

 

 

Choice 1

Choice 2

Choice 3

Choice 4

 

 

We await hearing from you within the next 7 days to avoid any further action

 

 

Yours Sincerely

 

 

Graham surname not readable

 

 

Managing Director

 

 

Can anyone point me in the right direction for a template letter or the correct wording to send to this company. There is no mention of RLP anywhere on the letter it is being dealt with on behalf of the shop owners

 

 

Many Thanks Paws

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Is there a template letter for this ?

 

There isn't a template.

 

Just send something simple like this:

 

Dear Sirs

 

I refer to your letter dated xxxxx. Any liability to your client or any company they claim to represent is denied.

 

No further correspondence will be entered into.

 

Yours etc.

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Hi HB

Yes I have had letters from RLP in the past and we have pm each other I thought it was all over as I had nothing from RLP for a long time now I have had this letter from bpo collections as anyone else had anything from bpo and if so what is there usual course of action.

Thanks

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Are you sure the shop is getting the DCA involved, as that would be very VERY unusual. Its more likely RLP has gotten them involved.

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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They are not collecting for the shop.

 

RLP issued the "invoice" and it is that invoice which BPO are trying to collect.

 

They have used the wording on the letter (i.e. RE: The Shop) to scare you into thinking it is the retailer having a pop. It isn't.

 

Send the letter as advised previously.

 

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