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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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JD williams Fashion World Lowell Overdue Account


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Hello

 

This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing.

 

Thanks

 

DC

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Give JD a ring first and check last payment date...or if you had an on line facility check that.

 

 

Andy

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Looks like the last payment to JD was December 2010, i do remember a payment being made to Lowell over the phone around 2011 to Lowell of £15 as they were quite threatening on the phone to my partner.

 

Thanks

 

DC

 

So thats also statute barred

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Its my wife account, I'm currently on a mission to sort our finances out and deal with all these situations and debts head on, but i digress.

 

Ive just had a look through old bank statements and a payment was made to "Fredrickson Int" in June 2012 for £15 which i believe is in relation to this debt.

 

The original debt was with JD was stated as £199 and Lowell are now claiming £273

 

Thanks

 

DC

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Ive made a massive mistake everyone, unfortunately I have just found another account with JD Williams Fashion World which this letter relates to. The last payment on the account was made October 2014.

 

So sorry for the mix up and as always thank you everyone for your time and help.:-(

 

Thanks

 

DC

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So June 2012 not 2011...its still statute barred :wink:

 

Lowell cant amend the balance to £273..the agreement would have been terminated on assignment.

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Send them A CCA request...that will keep them busy:wink:

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No you send the request to LOweel Debt Collectors...they I assume are now the legal owners ?

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Check your credit file/s if you dont recall ever receiving a Notice of Assignment.

We could do with some help from you.

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Send the CCA to the Debt Collector

 

Strange if the account was opened in SEP 2014?

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I assume so ...what address is on the letter re overdue account ?

We could do with some help from you.

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