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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.
    • Perfect. Thanks so much. I’ll get these printed and posted tomorrow 
    • Looks good to me. We generally start letters to BW Legal "Dear Rachael and Sean" referring to their two directors.  It shows you've done your homework on their rubbish company.  Plus they must have traced the origin of these letters to CAG by now so they know you have back-up and will just cause them big trouble if they're daft enough to do court. Add the PCN reference at the top, at the bottom write COPIED TO G24 LTD, and over the next few days invest in two 2nd class stamps and get two free Certificates of Posting from the post office.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can I get a mortgage with a bad credit rating?


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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

Many Thanks

Joanne

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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

 

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

 

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

 

Many Thanks

 

Joanne

 

the answer is yes, although generally not with the main high street lenders. You will generally end up paying a slightly higher interest rate as i have had to do.

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I have over £70k in defaults and have just had two mortgage offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt management plan and am not paying anyone anything.

Hi Paying .....

 

Can I ask what type of tie in period is on the mortgage offers i.e. if you repay within the first year what level fo penalty do you have to pay ?

 

Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Can anyone send me the details or maybe post them. My gf and i have just been offered a lot less than we can afford due to our "low" credit score.

 

Thanks

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Hi there, hope you are well. I have just signed up today and was looking at your post about getting mortgage whislt on a Debt Management Plan which is the case for me. My Boyf is hassling me to get on the mortgage with him but I keep avoiding because I am unsure what to do, boyf does nt know situation.

 

I would be most grateful if you could help e. Many thanks for your time :confused:

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I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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