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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.
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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  
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Advice - unsecured debt


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Hello all.

 

I am 20 years old with a monthly income (after tax and pension) of approx £1280.

 

I have the following unsecured debt:

 

MBNA Platinum CC: £1490

IF unsecured loan: £8950

Black Horse Car Finance: £4500

Total: £14940

 

Total Monthly income: £1280

Total Monthly outgoings: £650

 

Currently living with parents. Selling the car is out of the question as travel daily for 20 miles.

 

I do not want to go into any 'special measures' i.e. CCJs, bankruptcy or anything that will majorly affect my credit rating.

 

Does anyone have any advice or anything that could help make this debt more manageable or even reduce it?

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Thanks for the prompt reply..

 

FYI

 

MBNA Platinum CC - minimum repayments at the moment (approx £34)

IF unsecured loan - 65 months (£197.80 pcm, 84 month contract)

Black Horse finance - 24 months remaining (£134 pcm, 36 month contract)

 

My total monthly outgoings are made up of these payments as well as a direct debit for car insurance (£90 pcm), gym (£30), rent (£250).

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It's probably worth mentioning I have yet to miss a payment and am comfortable with these payments - I would just like to know how I could reduce this debt and make myself in a better situation.

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Hi,

 

Well, in my opinion I can't see how you can REDUCE the debt, (unless I'm missing something here) but I would think it would be possible to reduce your outgoings.

 

You have £14k of unsecured debt and are paying £365.80. I would look to your bank, or another lender to lend you enough to cover the unsecured debt in it's entirity at a monthly rate that is less than that you are already paying. Thet way it is over a fixed term and you will know exactly what interest rate you are paying for the term of the loan.

 

The trick (with my ex-Bank Manager head on here) is to NOT continue to spend on the cards etc once the debts are covered by the consolidation loan.

 

If you have never missed a payment you should have too much of a problem finding a decent rate over a fixed term.

 

 

I honestly can't see how you can REDUCE the debt and you are already in a decent position as you have over £600 disposable income every month.

 

Normally I would never advise consolidation on this site, but in your position you will take a VERY long time to pay off the Credit Card and the IF loan.

 

I hope that I've helped. :)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Hello

 

This might not be the conventional debt advice method but it sure does work

 

Rank your debts No1 smallest MBNA No 2 Black horse No 3 IF

 

start by focusing on the debt with the smallest balance (which you are making minimum repayments at moment) work out how much you can increase the payment by call this your HEADSTART payment say £50- £100 extra - repay the smallest debt quicker.

 

continue making minimum payments ( or reasonable offers if you are really struggling) on the other debts.

When debt no 1 is repaid in approx 12 to 14 months instead of 50 months at the current rate of repayment

add what you were paying to MBNA to debt no2 black horse reduce the time to repay and claim a rebate of interest then do the same for the final debt rolling all your repayment onto the final IF secured loan will again reduce the time that you repay and in a matter of months you will now "own your own pay cheque"

 

hope this makes sense

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Nice Plan Dragon! ;)

 

Excellent advice! Have a tip on me! :D

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Yes, that is very good advice. I think its called snowballing. There is a site that will work it out for you. I cant remember what it is called off-hand but if you enter snowballing debts into google it should bring it up.

 

They work out exactly what you should be paying to each creditor each month and give you a plan to work to and the length of time it will take you to pay off the debts.

 

While its quite worrying to hear that somebody as young as 20 years old has this amount of debt, it is refreshing to hear that they want to do something about it so that they wont be burdened with debt for the rest of their days.

 

Good luck. I wish you all the best.

Gemspan

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Gemspan and Goldendragon - thankyou for the replies. Sounds like a good idea - I've certainly got some spare 'leftover' cash this month which will make a good start on paying off that credit card. The IF loan and Black horse are certainly more manageable with the fixed amount I'm paying, so getting rid of the credit card as quickly as possible sounds good!

 

Thanks again.

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