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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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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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Moved to Canada Student Loan


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I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC.

 

I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay.

 

I get my citizenship next year and it's unlikely we will be returning to the UK. Ireland at some point possibly but not the UK.

 

Loans were taken 2005, 2009-2012. Totally £21,000. Outstanding is £15,000

 

Thanks in advance.

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Do SLC know you are resident in Canada ?

 

Debts are not often enforced outside of the UK. Ireland would be easier if you moved there, as there is more cooperation between Ireland and UK. In theory UK debts can be transfered to Canada as there is a Commonwealth agreement on debts, but i very much doubt it would happen.

 

If you stopped paying SLC, a default debt amount of arrears would be created and eventually the debt would be sold off and if you came back to UK or Ireland if might be subject to court claim. And the debt would always be capable of court action as they are not affected by limitations law.

 

It might be sensible to write to SLC just saying that you are resident in Canada and will have to stop repayments until further notice, as you have other debts which are currently causing you problems.

We could do with some help from you.

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id stop MBNA too.

 

 

nothing much any UK creditor can do to you...

 

 

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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Thanks for the replies guys.

 

A few questions regarding MBNA:

 

1. Is it better to get a CCJ or to tell them I'm in Canada so they can't?

 

2. I want the 6 year countdown to start ASAP, what's the best way to make that happen?

 

3. MBNA have a presence here in Canada, will they try and use their Canadian arm to reclaim a UK debt?

 

Last question is theoretical.

 

If I continue to make payments to MBNA for a few months but happen to build up debt on other cards

- would this be any worse than simply defaulting on the one?

 

I mean my credit record is going to be ruined in both cases.

Theoretical question of course...

Edited by dx100uk
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Thanks for the replies guys.

 

A few questions regarding MBNA:

 

1. Is it better to get a CCJ or to tell them I'm in Canada so they can't? they cant you're in Canada.

 

2. I want the 6 year countdown to start ASAP, what's the best way to make that happen? stop paying.

 

3. MBNA have a presence here in Canada, will they try and use their Canadian arm to reclaim a UK debt? - nope they wont even know

 

Last question is theoretical.

 

If I continue to make payments to MBNA for a few months but happen to build up debt on other cards

- would this be any worse than simply defaulting on the one?

 

I mean my credit record is going to be ruined in both cases.

Theoretical question of course...

what credit record uk or Canada?

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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only UK debts would show.

and they cant harm you in Canada

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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Share on other sites

Regarding the CCJ - they still think I'm in the UK - statements are going to my parents address. Should I tell them or keep shut?

 

 

you legally should have informed all your creditors you are resident in Canada the day you were.

 

 

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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Share on other sites

Regarding the CCJ - they still think I'm in the UK - statements are going to my parents address. Should I tell them or keep shut?

 

Worse thing you can do is hide abroad and not tell UK creditors you are not resident in the UK. That means it is very likely they would get a UK CCJ in your absence using your last known UK address. It is then much easier to transfer a UK CCJ to a court in Canada. Much more difficult to go straight to a Canadian court without a UK CCJ.

 

Suggest that you write to all UK creditors giving them your Canadian address and a copy of something proving you are a resident in Canada. If you need to stop payments, then do so and advise UK creditors. It is very unlikely any action would be taken against you in Canada. You will get debt collection letters, but that is probably all. No afffect on your Canadian records.

We could do with some help from you.

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  • 5 months later...

Quick update.

 

Let all my UK credit card companies know that I'd moved abroad - kept written confirmation from all of them of this.

 

Student loans company managed to track me down to a new rental apartment

(pretty sure my old landlord just gave them my forwarding address

- probably the new tenants panicking over the red letters).

 

So far they've sent about 4 letters with big scary red bars saying further action will be taken.

They also call from Scotland occasionally

- I know it's them because it's a withheld number.

The left a voicemail once but they don't bother anymore.

 

I'll be stopping the credit cards in Feb so I'll expect them to start hassling me at some point.

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  • 7 months later...

New update.

 

Student loans were transferred to Transcom who called about 20 times over 4 months. I ignored the calls.

 

 

New letter arrived about a month ago saying the debt had been transferred back to the SLC. They've been silent since.

 

 

 

I also stopped paying all my CCs about 4 months ago. Total debt is around 30,000GBP. Getting letters from these 3 creditors every 2/3 days.

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I lived in Canada, had UK debt companies chasing me. I can confirm they can't do anything to you, and it will have no effect on your Canadian credit file.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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I lived in Canada, had UK debt companies chasing me. I can confirm they can't do anything to you, and it will have no effect on your Canadian credit file.

 

 

Good to know.

 

 

My only regret is not doing this earlier. I'd be 3 years in to the 6 year credit report cutoff.

 

 

I don't plan on returning to the UK anytime soon though.

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Fair enough, but as they say, Man plans, God laughs.

 

But just on an even more reassuring note for you, just in case.

 

Not one of the UK debts who were chasing me in Canada, ever took anymore action than threatening letters even when I came back to the UK. I returned 9 years ago and they are all off my CRA files and long since statute barred by now.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 months later...
  • 5 months later...
  • 5 months later...

I had a letter saying the debt was transferred to a local collection agency but not heard anything since.

 

I am over a year in arrears. Just stop paying they aren’t going to do anything

.

 

 

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8 hours ago, gingertwist said:

Wondering if you have any updates on this? 

 

Been in Canada for 3 years - been paying back UK debt and SLC. 

 

Its crippling me with the currency conversion.  

create a new topic

tell us about the debts

 

hit create in the top red banner

 

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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please create your own topic gt.

dca's are not bailiffs

list your debts

 I bet most are unenforceable inc the slc loan

stop being cash cowed!!

 

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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Share on other sites

9 hours ago, gingertwist said:

Just a couple more questions.... 

 

A local one in Canada or UK? 

Has it effected your Canadian credit? 

Are your parents recieving letters at their address? 

 

I don't want to screw up both credit files and I don't particularly want my mum ringing up telling me some Goon has tried to take her stuff 😂

 

Not sure what you mean "local" in Canada or UK? All my debt is in the UK.

 

If you're here on a permanent visa, that is PR or something that even leads to PR then I would just stop paying them once you have told them that you are no longer in the UK. I left behind over 20 grand in credit card debt and 15 grand in SLC debt and they have not taken any action other than letters and phone calls in the last 5 years.

 

My only regret is making payments the first 2 years I was here. I should have stopped paying immediately as then I would have been able to buy a house sooner.

 

Parents received letters until I updated my address and now they no longer get anything.

 

It doesn't affect your Canadian credit record (I have good credit in Canada).

 

I'm a citizen here now and have no intention of returning to the UK.

Edited by poutine
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Transfered to local collection probably means absolutely nothing. Standard letter for debtors who have moved abroad, which might raise fears of some local agent contacting them in Canada or wherever.  There are some people who would panic and make contact with UK debt owner, which is what the letter may be designed to achieve.

 

Debt collection agencies in most countries have enough domestic debts to collect and would not get involved with foreign debts. Too complicated and unlikely to collect anything to even cover their costs.  

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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To clarify. The student loans company passed the debt to an Ontario based debt collection company who hasn’t contacted me and who I would ignore if they did as the debt isn’t recognized in Ontario.

 

Even if the debt was transferred to Canada it likely wouldn’t affect your Canadian rating. The system isn’t setup to log foreign debts. 

Edited by poutine
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Have moved Gingertwists posts to their own thread, as is the practice on CAG, as we don't want things to become confused.  No doubt Poutine will add replies to Gingertwists thread, if they can offer any help.

 

Gingertwists new threads link.  https://www.consumeractiongroup.co.uk/topic/418670-moved-to-canada-with-debts/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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