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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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tina_cool v HSBC


tina_cool
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Hi - only came across this site yesterday - have already successfully opened a parachute bank account today with Nationwide in case I need a buffer. Have just been through my FD statements and since Sep 2001 I've been charged > £2000 - this is for O/D and XS O/D fees - think of the fun I could have had with that. Seriously though, looking at other posts I'm assuming I can make a claim against these charges. Please can someone confirm whether this is the case before I make prat of myself, and what is my next step.

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Hi and Welcome

 

yes you can claim them back but before you do anything you must spend a few days to read around the forum and read the FAQ's .You need to become aware of what you are undertaking.

 

 

 

You have posted the same question in 2 different places ,please keep to your original thread

  • Confused 2

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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I can only find statements back to Sep 2001 but have had my account with FD for about 9 years. Do I need to make a money claim for a full 6 years or can I just go back as far as Sep 2001. I'm keen to start on this a.s.a.p. before my courage goes!

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Threads merged - please stick to one thread.

 

You could just claim back to Sep 2001, but why do that when you can claim for the whole 6 years?

 

I would claim for the whole lot.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Have just completed the request for repayment letter to send with a schedule of charges - have £2132.41 in o/d and excess o/d charges. Letter will be sent recorded delivery tomorrow. Will keep you updated with progress..or not. Thanks to all the posters for helpful info.

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Well I just knew it would have to be me! Sent my prelim letter first class recorded on 19/6 and according to Royal Mail customer services it's still not been delivered. Guess I'll have to send the info again just in case it has been lost in the post - this makes things a bit confusing with the dates especially if my original letter eventually turns up. Good old Royal Mail, you can always rely on them to c..k things up.

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There is no need to obtain proof of delivery, or even proof of posting.

 

As long as you keep a copy of the letter you have sent the court will assume it has been delivered.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I guess Royal Mail aren't too good at updating their records - just had post delivered and lo and behold have a reply from FD so they've obviously rec'd my letter. Anyway, it was the standard don't agree with your claim, write to Robert Kernaghan so will check on other postings to see what my next course of action is. Cheers.

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  • 2 weeks later...
  • 2 weeks later...

Well, I've still not received a reply from FD following my LBA so guess it's almost time to make the moneyclaim. The only query I have is that when I made my initial claim, as well as claiming the O/D and XS O/D charges I also claimed the charges which had appeared on my statements as 'interest'. Was this the correct thing to do? If not, when I complete the money claim should I disregard these and just claim for the O/D and XS O/D charges. Having got this far I don't want to jeopardise my claim. Thanks for all the help so far.

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HELP!! I'm in the pocess of completing moneyclaim on line as FD have now replied and advsed me to refer to Ombudsman etc etc. My question is , when completing the moneyclaim on line you are not able to send the schedule of charges with it as an attachment - is this likely to be a problem? FD have already seen my schedule of charges twice so they're well aware of the charges I'm claiming for - is it sufficient for me to put the totals only on the moneyclaim. please would some kind person be good enough to reply urgently as i'd really like to complete this tonight. many thanks.

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If you have already sent the schedule of charges twice there is no need to include it with your claim.

 

They would look rather foolish if they said they didn't know what you were claiming for or how you arrived at your total figure.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for the prompt reply - just one last thing - the moneyclaim site advises that you must include the 'daily rate' of interest you are charging and gives a formula for calculating it - I've tried applying this formula on the amount I'm claiming but it doesn;t look right. Maths was never my strongest subject , is there an easy formula?

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I assume you've already calculated the 8% interest using the spreadsheet?

 

To work out the daily rate of interest:

Claim amount (excluding costs and interest) x 0.00022

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi Tina,

 

Looks line we're on similar timescales as I submitted my moneyclaim on Monday. I sent a copy of a breakdown of the claim to the County Court and a copy of the claim form and particulars of claim to First Direct, both by Recorded Delivery. I want my money back asap and am therefore trying to prevent them from delaying by saying they don't have the full information.

 

Let's see who gets to the finishing post first!:)

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As far as I'm aware the court will advise FD of the claim against them - if you've already been through the steps of the prelim letter and LBA they'll already have details of what you're claiming.

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Hi guys, congrats to all those who's claims have recently been settled. Filed my money claim and it shows as issued on 19/7/06 but haven't had any response from FD yet. Being a 'glass half empty' sort of person I hope mine isn't going to be the test case at court. Will keep you posted.:(

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