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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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dandylion v halifax


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Hi, I have just received my last 6 years bank statements, and have been through them to find Halifax have charged me £2115 in total, will get myself organised now in the next few days to go on to the next stage

hope it goes ok:rolleyes:

Dandylion

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HI DANDYLION: Start reading Frequently Asked Questions for guidance - you must start here. Read and reread! Join your bank's thread and read other claimants' experiences and seek advice there. :rolleyes:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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At what stage of your claim are you? DO NOT INCLUDE INTEREST until action by you AFTER LBA stage (which includes schedule of charges). I ask; what stage of claim are you. Read my thread Brooksdad v Woolwich where I got my advice to follow (including responses to your question re interest, where to find schedules and calculations. :roll:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Sorry am I getting confused I dont mean the 8% interest on the whole claim that you add later at the court stage but it mentions adding the overdraft interest or something on the charge amounts, or do I just put in the amount of charges in my pre lim letter.

Thanks for any help;)

Dandylion

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The overdraft interest is all those little bits of charges, usually only pence or a pound or two, that appear on your statement as 'interest debited - notified last month'.

They do add up over the years - got an extra £70 with mine!

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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Does anyone know the account is a joint account but it only need one of us to sign stuff, my husband and I are now seperated, I can do this myself cant I or will I need his signature aswell.

 

Thanks for any advice

Dandylion

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Well my preliminary request letter went off on Tuesday with the schedule of charges i didnt send it recorded though. Will it matter? I will wait and see if I get a reply at all from them, if not should I send a 2nd copy recorded or go straight on to the next stage??

Dandylion

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  • 2 weeks later...

Hi I got the standard "we are sorry to hear you are unhappy" letter today and we will get back to you within 40 days! no chance I am away when the 14 days are up but as soon as i am home it will be on to the LBA stage.

 

Bit unsure now though as I have just read a thread where someone won and then got recalled to court, does this happen very often? It was to do with the person at HBOs being on paternity leave or something.

Dandylion

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The overdraft interest is all those little bits of charges, usually only pence or a pound or two, that appear on your statement as 'interest debited - notified last month'.

They do add up over the years - got an extra £70 with mine!

 

 

With regards to 'interest debited - notified last month.':

 

I incur monthly charges in this respect averaging £22.00.

I have an authorised overdraft of £1500. I have always remained about £100 inside my overdraft, thus being about £1400 overdrawn. I thought that these charges were lawful, are they not entitled to interest from customers being overdrawn, or are these charges reclaimable?

 

Many Thanks

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Dave777, FWIW claim this debit interest back. I have now filed at court and included this extra £40 in my claim. As I was brand new to this game I only claimed statutory interest as I was unsure how to work out the contractual on an agreed overdraft. If you do the same you are not claiming anything 'illegal'. Do you really want to give them £250 a year extra? Very generous of you. :DSally

 

 

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  • 3 weeks later...

I havent been on line for a while but am now back on track, I sent my LBA last monday but then realised I forgot to send it recorded so re sent it today, so 14 days from now I will start the court forms etc if they dont pay up. I had a general "we are sorry you are not happy " letter but nothing since, reading some threads though it seems they pay up pretty quicky sometimes. Is it worth phoning them aswell or just stick to the letters and deadlines?

Dandylion

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They now know you mean business. I left them alone, got a letter and then a 'phone call which resulted me in being offered 3 rising totals. I'm still going to court though. Just keep to your timescales, do loads of reading and who knows, by the time Easter hoves into view...........:)

  • Haha 1

 

 

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Maybe you will multiple calls and letters responding to all your communications. Just don't let them bully you on the 'phone. Tell them you can't discuss/commit to any agreement over the 'phone (unless of course you are a really good wordsmith, unlike me) in which case you might talk them into settling early AND IN FULL. It has happened to a clever few.

 

 

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I thought i would start getting my papers together to go on to the court stage and filled in the spreadsheets stored on here, I couldnt do it before as they wouldnt open on my computer so did it at work, they have worked out the interest as £541.32 on a claim for £2134 over 6 years it seems like a lot does it sound right to anyone who has done it already?

 

thanks :confused:

Dandylion

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Well this is interesting I had a letter today offering me £1066 as full and final settlement of my claim. My 14 days from LBA runs out on monday.

I have been reading the templtes library and dont know wether to give them the extra 10 days or just go striaght in the court action?

 

What would anyone suggest?

 

The letter also states that if I get charged again they will not give me the charges back and may close my account, sounds a bit threatening to me

Dandylion

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Forgot to say there is no payment with the letter and nothing has been paid into the bank account. My husband only informed me the other day that someone from the Halifax had phoned him on his mobile and he told them they needed to speak to me (we are seperated), so it seems they have been trying to get in touch but I would rather communicate via letters as everything is so much clearer that way.

 

What reply should I use?

Dandylion

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Send them the 'accept as part payment only' letter and remind them that their time is nearly up before you start court action. Can't think where I read it but they are under orders apparently not to close any accounts. This could be regarded as retaliatory action and they all want to look good before the ruling next month. Just keep going :) Sally

 

 

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