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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.
    • 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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Logbook Loans Bill of sale advice


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Hi everyone, if anyone can help please do.

 

Just a few questions about my bill of sale

 

1) my copy is not dated or signed by a witness.

 

2) if other copy has been signed by same person from lbl company that signed my credit agreement does this make the bill of sale void?

 

3) after looking at my credit report the lbl company has stated i have an unsecured loan and not a secured loan..does this make a difference?

 

4) bill of sale has a witness address on it being media factory in preston which is a university address...is this allowed?

 

Have requested a copy which was registered with the high court but had no reply from lbl company so i will send off for it myself.

 

Any help will be appreciated

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1. not an issue

 

2. not an issue

 

3. nope

 

4. not an issue

.................

 

tell us the story please

whats going on ?

 

 

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 thanks for your reply.

I am currently 2 payments behind due to non payment of wages from ex employer hence why he is an ex employer...

 

they have said all my queries have been sent to their compliance department as of today so waiting to hear back.

 

On checking the paperwork that they have provided this morning.

 

.the bos is dated different to the credit agreement even tho they were signed on same day.

 

Also on their copy of bos the signature is different to the signature on my credit agreement even tho there was only one field agent present and myself at the time.

 

I have passed all these questions to the company and waiting on them getting back to me.

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they have now treated my issues as a complaint and repossessing car (still got it up til now).

 

My big issue is the field agent came to my house on his own so there was only the 2 of us present.

 

The company sent me copies of paperwork and the credit agreement and bos have 2 different signatures on it.

 

Surely this is fraud as the same person can't sign both agreements which means when they have received paperwork from agent (who told me he earns commission)

 

they have got someone else to sign the bos maybe thats why mine wasnt signed cause i may have picked up on it at the time.

 

Any help would be appreciated

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not sure what you are going on about

if the BOS copy from the court was registered within 7 days then its ok.

witness signatures mean nothing

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

Have you received a default notice that you have not

remedied

If so you need to urgently instigate a time order

if you want to keep the car

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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not sure what you are going on about

if the BOS copy from the court was registered within 7 days then its ok.

witness signatures mean nothing

 

Thx for getting back to me dx..

my query is if the same person has signed both credit agreement and bos and has different signatures

doesnt this amount to whoever signed bos and swearing to the high court that he witnessed my signature to be fraud

when only 1 person was present at time of signing both agreements?

The paperwork was signed in my home.

 

Have you received a default notice that you have not

remedied

If so you need to urgently instigate a time order

if you want to keep the car

 

I have applied for time order and applied to high court for copy of bos...i did ask the company for a copy but they only sent the copy with no seal on it.

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In order to assist we need much more information

 

Please upload with personal information removed

 

The pre contract information

The credit agreement

The bill of sale they sent you

The default notice

 

To repossess they must show a copy of the stamped bill of sale

 

If they have not registered the bos

they would need a court order to repossess

 

However the credit agreement is a separate entity

and would continue albeit unsecured and would require a challenge under s140

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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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

read the upload guide

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

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