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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.
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CCJ Query


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Just some advice please!

 

Could someone, if possible put me right on the following please:

 

1. Can a company apply for a CCJ, even though they have Defaulted you on your credit record already, and this has been on there for over 3 years?

 

2. Can a company apply for a CCJ if the debt is over 6 months old, and a payment has never been asked for and no communication between you and the creditor in over 2 years?

 

3. Can a company apply for a CCJ on a debt, if the debt was made up of charges, and the creditor has actually paid you via cheque for the charges in the last 4 months?

 

4. to lead on from the question above; if they have paid you out in charges for the debt, to my knowledge the Default has to be removed, as the debt was made up of charges?

 

5. If no paperwork can be provided i.e Signed agreement, original signed Default notice and correspondance can they still apply for a CCJ?

 

6. If a debt has been sold on to a debt recovery company, can they apply for a CCJ, even though the original creditor sold it 18 months ago?

 

I know there are alot of questions, but if anyone can help, it would be appreciated, I have a rough idea on some of the questions, but some extra help would be appreciated.

 

Best regards

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Just some advice please!

 

Could someone, if possible put me right on the following please:

 

1. Can a company apply for a CCJ, even though they have Defaulted you on your credit record already, and this has been on there for over 3 years?

 

2. Can a company apply for a CCJ if the debt is over 6 months old, and a payment has never been asked for and no communication between you and the creditor in over 2 years?

 

3. Can a company apply for a CCJ on a debt, if the debt was made up of charges, and the creditor has actually paid you via cheque for the charges in the last 4 months?

 

4. to lead on from the question above; if they have paid you out in charges for the debt, to my knowledge the Default has to be removed, as the debt was made up of charges?

 

5. If no paperwork can be provided i.e Signed agreement, original signed Default notice and correspondance can they still apply for a CCJ?

 

6. If a debt has been sold on to a debt recovery company, can they apply for a CCJ, even though the original creditor sold it 18 months ago?

 

I know there are alot of questions, but if anyone can help, it would be appreciated, I have a rough idea on some of the questions, but some extra help would be appreciated.

 

Best regards

 

1 yes,2 yes, 3,yes but they wouldn't get it provided you turned up in court, 4, yes but don't hold your breath, 5, yes but see 3 and let them know you know the debt is unenforceable 6, yes but they are unlikely to succeed if they don't have the agreement.

"Why CCJ when you can CCA!"

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Thanks for that.On one point, I am very sure that you can not apply for a CCJ if there has been no communication for 6 months or more?I am pretty sure that I have seen this on this site somewhere.

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Thanks for that.On one point, I am very sure that you can not apply for a CCJ if there has been no communication for 6 months or more?I am pretty sure that I have seen this on this site somewhere.

 

Unfortunately I think you'll find it's 6 years.

"Why CCJ when you can CCA!"

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after 6 years they can not apply for a CCJ?I am aware that after 6 years defaults/CCJ's come off your credit file.

 

defaults would fall off your credit file, that should be the end of it.

 

a ccj *may* still be enforced, even after 6 years although the creditor would need to have a very good reason to convince any court why there has been such a long delay.

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