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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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hoist sold 2 santander debts


mystirio
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just found a letter which I knew was somewhere regarding amount due to Santander

 

Thank you for recent contact.

Please be adviced Robbinsons way is servicing the above account on behalf of hoist p holdings 2 ltd who purchased this account from Santander .

 

Notice of assigment sent dec 2014 account defaulted 25 may 2011

 

second account same as above diffrent account

notice of assigment sent out on nov 2014

defaulted 17 march 2011

 

I have sent them a cca for both the reply was as follows

 

the accounts were put on hold temp pending recipt of this document we will contact you in due course

 

question if the default was as state then one is statue barred the other will be am i right in this

 

thanks

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Hi,

 

I've moved this thread to the debt collectors forum.

Any advice I give is honest and in good faith.:)

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should have left them alone unless they weren't aware of your new address if you'd moved.

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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what type of credit is each one

 

 

tell us more of their history...

 

 

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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I think these are both overdraft

according to my present bank i have been with them for 7 yrs

so they could be 7 yrs old

 

both are my wifes and as far as she can remember one was for 2 p overdraft and the other was 19p

 

so it is obvious they have added charges to these

 

I did send santy a letter requesting the information about these but they did not reply

 

robbin have even said the following when i asked them for explanation and stated as follows in feb 17

 

please note we have yet to receive a response from the original creditor

 

this note is to let you know we are continuing to seek an update and we will let you know the response as soon as poss.

action on your account has temp stopped whilst we await an response

thank you for your patience.

 

served them both with cca on 4 april

reply came back awaiting a response from the original creditor and your account is on hold

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why have you sent a CCA request for bank overdrafts??? :fear::fear:

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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to be honest i didnt know that you could not request for overdrafts as it didnt say overdraft

i read if it was 14 numbers that means overdraft got it all wrong again:sad:

but if it was defaulted in 2011 then they might be statue b

 

just looked again on papers there is an account number would this be diffrent to the actual account

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if its not 16 digits its not a credit card

could be a loan ?

did you have any with satans bank?

 

 

is your credit file clean of them?

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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no loan only ordinary bank account

 

will look at file when wifes home

 

this is bringing bad feelings between me and the missis

as most of her things are prior to beginning of marriage and i am the one who will end paying

 

thanks dx will look upp later

 

just googled the code first 6 are santandare branch the last 8 no clue

 

looked at noodle nought for santa account????:?::???:

 

the first 6 are sort code last 8 account code

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right so def bank accounts then..

were they taken out whilst resident at the present address?

 

 

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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then let em run.

 

hoist will probably return with some willy waving.

 

might be an idea to sar satans bank.

then you know what cards they might hold and can be prepared?

 

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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becomes SB end of next week by the look of it from default date you supplied. If the amount owed is as stated it wouldnt be the smallest amount ever sued for but with all of these claims it is the enormous but unlwful added extras that make it worth their time and they hope that you dont know this and take it all at face value..

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so:noidea::noidea::noidea:

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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40 (+2) days is for a sar

 

If you are referring to the cca request then if it would have been applicable to a bank account, which it is not, they are required to supply within 12(+2) days else they are in default of the request.

 

For these 2 accounts though, the cca requests were not applicable and i doubt you will ever get a response with an agreement.

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tough 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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