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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures cosigned by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The DEfendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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Welcome loan sold to coast


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Hi.

Looking for some advice on an old Welcome loan that was sold to Coast , April this year.

 

There is only £300 left to pay but not paid anything as I knew there were charges on the original account.

I had been paying a reduced amount to Welcome for the last year then all of a sudden they sold it.

 

I CCA Coast and they have sent me what looks like the original document with signature.

There is no PPI but there is a fee of £75 which I believe is admin fee so can I claim this back?

 

There are also a lot of £12 fees for missed or late payments plus other reversal fees etc. 

 

I need to write to Coast as they have taken the £1 postal order payment and used it against my outstanding balance so it looks like I have made a £1 payment of course this was for the CCA only.

 

Can I now claim the charges back from Coast seeing as they are now the official owners of this debt? 

If so and Coast state I need to take it up with the original creditor is this correct?

 

 

 

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You say you resumed payments to welcome last year?

when was your last payment before that?

 

most welcome debts are +10yrs old or older now 

tell us the full history of the debt

as you've never mentioned it before?

 

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..

Apologies here is the background...

Loan taken out in 2009 so you are correct about timescale.

 

Key financial info 

Total amount of credit =£4379.20

Duration 120 months

Monthly payment £63.90

Number of monthly payments 120

APR 13.16%

 

Other financial info 

Total charge for credit £3,289.38

Acceptance fee  £75.00

Interest charge £3214.3

12.68%

 

My signature is on the form dated 20/4/2009.

 

I have been paying since this time although I defaulted a good few years back and have been paying reduced amounts for at least the last 3/4 years.

 

It was £20 per month , Welcome held off all the interest and charges from 2015/2016 so I was reducing the loan.

 

Even when Welcome folded they kept this account going with the reduced payments. 

 

Fast forward to March this year and bal is £383.

 

Next thing I get a letter from Coast to say they are now the owners of this debt.

 

Checking through the paperwork I can see payments started to falter 2014 with bal around £2200. I was making token payments of £10 or £20 .

 

Checking when I first started paying I can see that I have made payments of £65 , this is followed by capitalisation £65 and returns the bal back to before I made the regular £65 payment there are multiples of these up the end of 2013.

 

After that there are random fees /charges as follows 

M16 - Fee - £5.00  followed by capitalisation £5.00 ??

SNT  - Simple interest £ 0.12        - *        

INT - varies but appears to be around £21  *

Q16 - Fee = £ 0.11

Credit adjustment £0.76p ?

Unpaid DD fee = £12

* These appear after each other on my statement ..is this two interest charges?

 

 I got a £1208.44 interest refund (GWI ) in 2015 which reduced the balance down to £1043.00 and continued to pay £20 up to Feb this year.

Hope this makes sense?

 

So can I claim these charges and fees back against Coast now they are the official owner of the debt?

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No

But welcome will pull the FCA waiver when you try them

 

Use our search

Type in coast

Get reading up

 

Cca wont hurt!

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...

Quick update..I also sent SAR to Coast , they have responded by asking for proof of ID such as Passport, Utility bill or driving licence etc , as a side note I recently SAR'd Cabot they too have asked for extra ID to prove I am the alleged debtor. IMO if these DCA's  have been sending me correspondence to my address under my name that is sufficient for them to believe I am the correct person.  Any advice please?

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Have you moved since taking out this credit?

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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trying to gander sigs they can copy no doubt

send them a ctax bill copy

that's good enough.

 

 

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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just type  !!

quote is banned

I know what I said..:lol:

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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