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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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Welcome Finance - This company needs to be banned.


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Hi

Sorry have quite a lot to look at misssed yours

 

Its OK i am affraid

 

19.068%APR

 

Peter

 

Peter kindly worked out my APR to be 19.068%. On my agreement it says 19.0%. I make the allowed 0.1% over to work out as 19.019%.

 

Does this mean the fight could be back on or have i missed something!!

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Ok Im getting into this pretty heavily today.

 

If you read over your policy documents regarding the PPI, a few things jump out.

 

GImme a few minutes to scan them. This is VERY VERY interesting to Andie

 

oooo I'm looking forward to this....

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Hi postggj,

 

Just wanna say to you, Andie and all the other guys & girls on here.

 

You are awesome.....:)

 

The next few weeks are going to be facinating as we all see what will happen to Welcome Finance.

 

This year is going to be very exciting.

 

 

 

 

 

 

Brilliant.

 

Now where do I start.

 

CAB, FSA or both?

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Hi again,

 

Yes please.

 

Can you kindly send me a PM with the sort of letter that I should write.

 

Cheers

 

Voda

 

Ime Afraid Its Another Letter To Mr P Again

 

If You Need His Details Ill Send A Pm

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Felixfly

 

Ime Afraid You Are Talking To The Wrong Person On Figures

I Would Get A Second Opinion As You Might Be Working Out The Figure Wrong

 

Ive Never Known Peter To Be Wrong Either

 

He Is The Master On Agreement Figures

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http://i448.photobucket.com/albums/qq203/082stewie/PPIDG1.jpg

 

NU and DG are in the same building. Why would they need to go back and forth to NU head office and get a contact to call you.

 

The other interesting thing it states on the front page is "THEY CANNOT TRANSFER CALLS" what company cannot transfer a call to another dept?

 

Here again it states Direct group will pay your premium. NOT NU! This isnt correct? No where does it mention anywhere that they will get intouch with NU to establish the claim and NU will pay the premium.

 

http://i448.photobucket.com/albums/qq203/082stewie/PPIDG2.jpg

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

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Bingo

 

That Only Appiles To Secured Loans And Base Rate

 

Go Get Em

 

post, ive asked a couple of times but if you could look at my agreements it would be appreciated as both of these state apr variable, obviously one was re-written and im awaiting cca coming back on mine but you expert help realy would be appreciated,

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http://i448.photobucket.com/albums/qq203/082stewie/PPIDG1.jpg

 

NU and DG are in the same building. Why would they need to go back and forth to NU head office and get a contact to call you.

 

The other interesting thing it states on the front page is "THEY CANNOT TRANSFER CALLS" what company cannot transfer a call to another dept?

 

Here again it states Direct group will pay your premium. NOT NU! This isnt correct? No where does it mention anywhere that they will get intouch with NU to establish the claim and NU will pay the premium.

 

http://i448.photobucket.com/albums/qq203/082stewie/PPIDG2.jpg

 

 

 

 

I think there is a law governing that , I know of a small insurance brokers that has effectivly 2 companies in the same office and they cannot have contact with each other.

 

dont know if its a FSA thing or a company thing.

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Felix

 

Secured Loans Are Classed As A Mortage

The Bank Of England Base Rate Goes Up And Down, So Do Mortage Payments

 

Hope It Helps

 

I Would Pay 50 Quid And Have An Accountant Go Over The Agreement For Piece Of Mind Or Dare I Say It

 

Claims Companies

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Not Heard That One Before

One Of My Inlaws Is An Insurance Broker

 

Get Back To You On That One

 

may be because its seen as the 2 companies sharing data , ie breaches data protection act ?

 

Edit : did the idea mentioned in PM come to any fruition ?

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They clearly state they will share information with other insurance companies to check if fraud is not present. So that cant be it.

 

I got a feeling its a one man show somewhere. Ill see if I can google earth the postcode.

 

They should be working together one a single policy if its underwritten by one company and managed by another. They have to communicate with each other! Unless they passing notes under the table?

 

 

 

Stewie

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

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OK,

 

Can anyone recommend someone in the berkshire area who could look at my agreement?

 

I understand the apr rate can go up and down over the life of a mortgage but sureley the figures laid out on the agreement should be worked out to whatever rate is on the same form. This should surely be within a certain amount of that rate?

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Peter kindly worked out my APR to be 19.068%. On my agreement it says 19.0%. I make the allowed 0.1% over to work out as 19.019%.

 

Does this mean the fight could be back on or have i missed something!!

 

Hi

 

please see my later post on this page

Peter

Edited by Dodgeball
brain malfunction

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I think there is a law governing that , I know of a small insurance brokers that has effectivly 2 companies in the same office and they cannot have contact with each other.

 

dont know if its a FSA thing or a company thing.

 

I dont think so..

 

According to my policy document its way different. NU should know about me, poor little Stewie and if they dont then we have an issue. Why cant I chat to my underwriters?? According to my policy I should be able to.

 

http://i448.photobucket.com/albums/qq203/082stewie/PPIDG3.jpg

 

Why do NU have no idea who the hell I am when it is in black and white they should!

 

Note the phrase "Joint data controllers"

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

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You know Welcome finance have started me smoking again!!

 

I am going to lodge a complaint for a refund on the £120 I spent on hypno-therapy!! It didnt work and Welcome are to blame for it!

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

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