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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 
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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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Welcome Finance - This company needs to be banned.


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Here you are folks...ask away :D

 

Contact for:

 

307332 - Direct Group Limited

 

Contact for Complaints:Scott HoughAddress:grin:irect House

4 Sidings Court

Doncaster

South Yorkshire

DN4 5NU

Phone:

Fax:

Email:

Website:

44 01302 380 303

44 01302 380 301

[email protected] .uk

Direct Group - Where Insurance and Innovation Combine - Home Page

Contact(s) responsible for insurance mediation:Mr Scott William Hough

 

 

I've already got my disclaimer from Direct Group - rats and ships come to mind...

 

Postggj - you get my pm last night confirming the calculations?

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More slating about Welcome/Cattles by the people in the know - Who will lend to a struggling lender? | Company Comment | Commentary | News | Hemscott :)

 

I haven't had any response to my complaint about the interest added to the Acceptance Fee. I doubt I'll hear anything for a while though, as the Compliance dept. must be having a hell of a time lol

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its all comming togeather now

what an army

little pieces of info build a bigger picture

 

big day for me tommorow

all the figures now add up, well as its welcomes figures, not

 

i realy dont see how they will worm there way out of this

 

corporate sensativity means nothing to the seriouse fraud squad and hmrc

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ten am with hmrc

 

then on to ec1 in the afternoon

 

will not be back home till about eight

 

ill give you all the good news

 

the reporter from the independent has now rung me again

 

while in the city, asked if we can meet up

 

never seen canary wharf before

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ten am with hmrc

 

then on to ec1 in the afternoon

 

will not be back home till about eight

 

ill give you all the good news

 

the reporter from the independent has now rung me again

 

while in the city, asked if we can meet up

 

never seen canary wharf before

 

 

Go to the top floor and have a look at the view!!! very nice!

 

I know a few people who work with Independent News and media. Very nice company and people. But Pittbulls!

I need to change my avatar..But cant find a good replacement.

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postjj, of course anything we can do, just shout, but best of luck for tomorrow, will be thinking of you all day.

 

....have re-arranged my plans for 2moro night as I will just not be leaving the house until I know how it went!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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postjj, of course anything we can do, just shout, but best of luck for tomorrow, will be thinking of you all day.

 

....have re-arranged my plans for 2moro night as I will just not be leaving the house until I know how it went!

 

You guys need to get a room or something!! :D:D:D:D:D:D:D:D:D

I need to change my avatar..But cant find a good replacement.

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it all depends how long the fraud squad keep me for

 

thats hmrc

fraud squad

a reporter from the independent

 

all in one day

 

hope its dinner at the ritz

 

might see the cattles dirty six

even though suspended, still on full pay enjoying the high life

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postggj - you better be making me high up on your list of telling all to tomorrow - had a phone call from someone at my old phone number today telling me Welcome have been after me - hmmmmm why??????????????

 

Any of the 11 watching want to fill me in and save my phone bill??

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Andie, would you mind checking my agreement under the mortgages section? I cant get the figures to work out and dont know what ive had interest added to.

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/165462-welcome-finance-problems-2.html

 

Regards

 

Felix

 

 

Felix - i'm not 100% sure about yours - they have definately added it in to the total amount of credit so interest will be charged but what i'm not sure about is that this is clear on your agreement that you have signed - the others I know about have been hidden and not on the agreement that is bound by the CCA - anyone know anything different??

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I think i may have the only valid Welcome agreement ever!

 

Although even without adding the interest to the fees i cant get the same figures they do.

 

 

felix - i really don't know for sure either way so wouldn't want to say it definately is or isn't enforcable - have you had CAB look over it??

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that was my problem on felix agreement

 

never known it be put on the agreememnt in black and white

 

still does it make it legal

 

under wilson v fct

i dont think so but unsure

 

still checking that one out

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I think i may have the only valid Welcome agreement ever!

 

Although even without adding the interest to the fees i cant get the same figures they do.

 

 

Dont be so sure about that. Did it have all the bells and whistles like the rest of us? PPI etc etc?

 

Stewie

I need to change my avatar..But cant find a good replacement.

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how many people today have contacted norwich union or direct group today,

a quick poll

 

 

Yup and Direct group again!! Oh yes forgot and Welcome. Im trying to get them to offer me a discount

I need to change my avatar..But cant find a good replacement.

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remember people

as of tomorow

all the relevent authorities will be handling this

 

this is black friday for cattles

ill try to keep informed on the cattles anouncement

 

any body got an idea when its expected

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