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    • 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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dca/cca advice please


lucy113
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Hi, just looking for a bit of advice please.

 

I have a few credit cards and 1 store card debt from about 9-10 years ago.

 

 

I was paying £ 1 per month but stopped after being treated for cancer last year.

 

The debts have all been passed around to different dca's and now I've (hopefully) finished treatment I want to start tackling them.

 

Is there a thread on sending cca letters that explains the whole process as I know there have been changes

that may affect me as I took the cards out before 2007 s

 

 

o would like to know if it's worth me starting the cca process.

 

 

Would be grateful for any advice or if someone can point me in the right direction.

 

Thanks in advance

Lucy

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yes send a CCA request

to each one.

 

blank £1PO

don't sign anything.

 

are these debts on your credit 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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Hi dx and thanks for replying.

 

 

Yes, they are on my credit file.

 

 

We're originally

bcard,

Barclays bank,

bos,

cap 1,

Abbey and

debenhams.

 

 

Been through various dca's And now getting letters from Robinson way, Westcott and mkd.

 

Pretty sure they are all pre 2007.

 

Thanks for the link, will get them off today

Lucy

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post 2 tells you all

 

 

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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  • 4 weeks later...

Just a quick question.

 

 

I was being threatened by marlin on behalf of Cabot who they say are my current creditor

 

 

I sent my cca request to Cabot with a copy to marlin.

 

 

Also sent marlin a letter saying I wouldn't enter into any further correspondence until I get a true copy of the agreement from Cabot.

 

Just want to make sure I sent the right letters to the right people!

 

Thanks

Lucy

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ONE CCA request to whomever is currently chasing you

 

 

don't waste silly stamps on their minions.

simply invites letter tennis

 

 

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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  • 2 weeks later...

Hi, got a letter from marlin saying they will apply to original creditor for the cca.

 

 

Also received a letter from Westcott saying I have to apply to arrow as Westcott are working for them

and I have to arrange a payment plan in the next 28 days.

 

Wouldn't it mean the account is in dispute or doesn't that happen until I write to arrow for a cca request?

 

 

Will get that in the post for Monday anyway.

Lucy

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let it run.

 

 

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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As DX says let it run. They are all fully aware of the rules and as result are trying to get away with not following them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 weeks later...

well done

 

 

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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  • 3 months later...

Still not heard anything from my cc companies.

 

 

Did a cca request for my oh.

 

 

A santander credit card now being managed by robinson way.

 

All they have sent is a statement of transactions from 25th Jan 08 which is when I think the card must have been taken out

and a copy of a credit agreement which isn't signed.

 

 

The accompanying letter states 'pleased find enclosed relevant documents for your attention.

Please note if an original credit agreement was not available under the consumer credit act a reconstituted copy may be provided'

 

Just want to check this is correct and any advice on what to do next is greatly appreciated ��

 

Thanks, Lucy

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A recon can be sent yes, but if the agreement was taken out prior to 07 then they will need the original to take any legal action.

 

How did you take these out and when?

 

So robbersway is chasing for the satansbank card?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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best start a new thread for this one

 

 

check her credit file

it should tell you the date it was opened

 

 

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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