consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> DVLA

DVLA Problems with the DVLA? Don't we all? - here's the place to post.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 7th August 2007, 16:35   #1 (permalink)
Jeffro82
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 5
Jeffro82 Novitiate
Default Not even my car!

Hi Everyone,

I was in my girlfriend's parked car and a community support officer noticed that the car tax was out of date. She took my name and address. I then received a letter to say that they were charging ME £51 for this even though the car isn't mine!

Do I have to pay this (don't see why I should!). I want to write back to them but I'm sure what to say.

Any advice on this would be much appreciated.
Jeffro82 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 16:45   #2 (permalink)
PKea
Platinum Account Customer
 
PKea's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 1,392
PKea InformativePKea Informative
Default Re: Not even my car!

Were you in the drivers seat?
or did you have the keys?
PKea is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 16:50   #3 (permalink)
Jeffro82
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 5
Jeffro82 Novitiate
Default Re: Not even my car!

I was in the passenger seat. The keys were in the car but not visible
Jeffro82 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 16:53   #4 (permalink)
PKea
Platinum Account Customer
 
PKea's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 1,392
PKea InformativePKea Informative
Default Re: Not even my car!

They could look at it as You were in charge of the vehicle.
Has your girlfriend recived notification as well? as the registered keeper will get one too.

I personally would challenge this, stating that you were a passenger in the vehicle
PKea is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 16:55   #5 (permalink)
Jeffro82
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 5
Jeffro82 Novitiate
Default Re: Not even my car!

my girlfriend hasn't received a notification
Jeffro82 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 16:58   #6 (permalink)
PKea
Platinum Account Customer
 
PKea's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 1,392
PKea InformativePKea Informative
Default Re: Not even my car!

Just to clarify, who have you recieved a letter from?
Police or DVLA?

Can you post the letter on here (renove personal details first ie name, reg, address etc)
PKea is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 17:26   #7 (permalink)
Jeffro82
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 5
Jeffro82 Novitiate
Default Re: Not even my car!

DVLALO(ENP) SWIFT HOUSE 18 HOFFMANNS WAY
CHELMSFORD
CM1 1GU
Telephone: 01245 491771
Our reference:



Unlicensed Vehicle:
Dear
We have received an offence report alleging that at 13:25hrs on you were responsible for using/keeping the above vehicle on a public road whilst unlicensed in GROSVENOR ROAD WESTCLIFF . Even if the vehicle has been licensed since this date, the offence still stands.
For this offence, an out of court settlement of £51.00 is required to avoid court action2. Please make your cheque or postal order payable to 'DVLA' and return with this notice in the enclosed envelope to the above address by . Instalments are not acceptable. If we do not receive payment for this alleged offence, the Agency will take court action against you.
This offer does not affect any separate penalty the police or courts may have imposed for any other offence. If your vehicle is still unlicensed and being used or kept on a public road you must relicense it immediately. If the vehicle is kept off the public road, you should make a Statutory Off Road Notification (SORN) declaration.
If you need to contact us, please quote the registration mark of the vehicle. Yours sincerely
Mrs P Woolley
on behalf of the Secretary of State for Transport
1 Contrary to Section 29 of the Vehicle Excise and Registration Act 1994.
2 Section 6 of the Vehicle Excise and Registration Act 1994 gives the Agency the power to offer an alleged offender a chance
to settle the matter without any intervention from a court. This penalty does not include any element of duty. The offence
carries a maximum penalty of £1000.00 or five times the annual rate of duty whichever is greater. The court will impose an
additional penalty equivalent to any outstanding arrears of duty. We may also request a minimum of £45.00 towards costs.
Jeffro82 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 18:08   #8 (permalink)
alibobsy
Gold Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 403
alibobsy Novitiate
Default Re: Not even my car!

I don't see how they can fine you when it isn't even your car, but your girlfriend shouldn't be driving round without tax. By doing that she invalidates her insurance, I have a good friend who was crashed into by someone like this, not good. I would appeal stating it isn't your car you are not the reg keeper and were just a passenger on the day. I suppose it is then up to you whether you drop her in it by mentioning her name or not. If she is the reg keeper they may just reissue the ticket to her. I hope she is not still driving round illegally like that! Alternatively make her pay lol. I wouldn't have given the officer my name and address. I would have politely stated I was just a passenger surely he could have just issued a ticket on the vehicle?

Good luck
ali x
__________________
BTW I'm no expert just using info I gathered from experience and from the great guys who post on here
Sent 12 CCA's(hubbies and mine), all but 1 now in criminal defaultl, only 1 provided agreement so far accepted low monthly pay offer but going to claim charges/PPI as well to bring balance down 2 have admitted debt unenforecable.Unfortunate ly keep getting passed over to new DCA's who have to get the "bog off no CCA" letter. Preparing FOS complaints on all of them.
alibobsy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 21:19   #9 (permalink)
Jeffro82
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 5
Jeffro82 Novitiate
Default Re: Not even my car!

yeah thanks for that alibobsy although I was asking for advice, not a lecture. just because your mate had a bad experience, no need to tar everyone with the same brush. fyi my girlfriend was without tax for 2 days, hardly crime of the century
Jeffro82 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th August 2007, 22:29   #10 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 2,635
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Not even my car!

Quote:
Originally Posted by alibobsy View Post
I don't see how they can fine you when it isn't even your car, but your girlfriend shouldn't be driving round without tax. By doing that she invalidates her insurance
Urban myth

Thee are occasions where a car does not have to be either taxed or MoT'd on the public highway - it remains insured.

Even if you did something that did void your insurance policy, the RTA places an obligation on the insurance company to meet third party claims.
patdavies is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 08:34   #11 (permalink)
alibobsy
Gold Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 403
alibobsy Novitiate
Default Re: Not even my car!

Sorry Pat its not an urban myth, insurance companies will use any excuse to get out of paying. Most (if not all) car insurance policies include the condition that to be insured the car must have valid tax. I am not saying the insurance companies are right, and you may be able to negotiate with them over a payout especially like you say third party claims. But there is a distinct possibility that they would void any claim or try to. Yes if she was on her way to the Post office to get her tax, or on her way to get an mot you are allowed on the public highway and the insurance should stand and the ticket would be incorrect.
I was not trying to lecture and obviously didn't know the full circumstances. If she was waiting for payday to get the tax etc then I know some months it can be tight I do understand. Its just the fact that when I drive round with my 2 young kids in the car (baby 3 on the way) I do worry about uninsured/non taxed/non moted drivers on the roads. I don't think the OP should have to pay the fine and I think the warden was cheeky asking for his details when he was quite clearly not the driver. At this stage if I were him and would write in and explain I was just a passenger and its not my vehicle. Leave it at that, it will then be up to the ticketing office whether they try to look at reissue to the RK etc.They may just write it off.
ali x
alibobsy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 09:54   #12 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 2,635
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Not even my car!

Quote:
Originally Posted by alibobsy View Post
Sorry Pat its not an urban myth, insurance companies will use any excuse to get out of paying.
It is urban myth.

Yes, insurance companies will try anything to get out of paying out - but this one doesn't fly for them.

If you have a car that has been SORN'd and the MoT certificate is expired. You are entitled to drive it to/from MoT test appointment and, if necessary, to/from repair appointment. The vehicle needs neither VED or MoT, it does need to be insured.

Quote:
Most (if not all) car insurance policies include the condition that to be insured the car must have valid tax.
In all my driving career with several insurance companies, I have never seen such a condition. Certainly there is usually a clause that the vehicle must be in roadworthy condition - but that is not the same thing as taxed and MoT'd

Quote:
Yes if she was on her way to the Post office to get her tax, ........ you are allowed on the public highway and the insurance should stand and the ticket would be incorrect.
No. the vehicle must be taxed and MoT'd to drive to the Post Office. You are not allowed to drive without displaying VED unless you are driving an exempt vehicle. A ticket for failing to display is valid even if the vehicle is taxed - it is a separate offence
patdavies is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 09:57   #13 (permalink)
jampot
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 332
jampot Novitiate
Default Re: Not even my car!

Personally, I would simply ask the gf for the £51, pay up, and leave it at that.

It is the person who is in charge of the vehicle, NOT necessarily the registered keeper, who can be fined if the vehicle is seen on the roads without tax. As the 'driver' you are responsible for the condition of the car. I even know of someone who was taking a test drive from a reputable dealer, and was stopped. They were fined and given points for driving a defective vehicle, despite the salesman sitting in the car next to him explaining that the car belonged to the dealership!

The reason I suggest paying up now, is that £51 is a relatively low sum, given the fine payable if it gets to court. There's no guarantee that if it is appealed, and they go after the gf for the same offence (failure to display) or (perhaps worse) failure to tax (which is different) that she will get off with a lesser punishment, and may even end up with a greater one.

If it weren't a close friend, relative or gf's car, I would appeal it on the basis that you weren't in charge of the vehicle at the time, although this is a moot point. It is my understanding that even having the keys in your possession makes you 'in charge', and drunks who have opened their car doors and fallen asleep in the passenger seat have been charged with "drink driving" since the law covers driving, attempting to drive, or simply 'being in charge'.

Whilst it is patently silly to suggest that a person left in the passenger seat is automatically 'in charge' of the vehicle, particularly where there is no evidence offered that the keys were in their possession, you'll still have to plead your case in court, and even if you win, they'll go straight after your gf for the same (or alternative) offence, and one or other will still end up paying anyway.

Just get her to pay it...
jampot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 11:45   #14 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 2,635
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Not even my car!

jampot,

If this were failure to display or some other driving other C&U offence, I would tend to agree with you.

However, continous VED/SORN is entirely and solely the responsibility of the RK. It is not the responsibilty of the driver or person in charge of the vehicle.

To be clear:

Failure to have valid VED - RK responsibility - enforced by DVLA
Failure to display valid VED - driver responsiblity - enforced by Police
patdavies is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 11:55   #15 (permalink)
PKea
Platinum Account Customer
 
PKea's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 1,392
PKea InformativePKea Informative
Default Re: Not even my car!

Quote:
Originally Posted by patdavies View Post
Failure to have valid VED - RK responsibility - enforced by DVLA
Failure to display valid VED - driver responsiblity - enforced by Police
So why had the OP recievd a notice from the DVLA when his Girlfriend is the RK?
And why didnt the PCSO issue a FPN for failure to display?

Obviously you cant answer these, just the scenario
PKea is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 12:08   #16 (permalink)
welshcakes
Platinum Account Customer
 
welshcakes's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 1,011
welshcakes Novitiatewelshcakes Novitiate
Default Re: Not even my car!

Hi Jeffro

I would write back to Mrs Woolley quoting her opening statement of
"We have received an offence report alleging that at 13:25hrs on you were responsible for using/keeping the above vehicle on a public road whilst unlicensed in GROSVENOR ROAD WESTCLIFF . "

and advise that you rigorously deny any liability and require a copy of the offence report by return. Include the term "this matter is in dispute".

I stongly recommend ever communication is in writing and that this initial letter is sent registered.
welshcakes is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 12:17   #17 (permalink)
jampot
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 332
jampot Novitiate
Default Re: Not even my car!

Quote:
Originally Posted by patdavies View Post
jampot,

If this were failure to display or some other driving other C&U offence, I would tend to agree with you.

However, continous VED/SORN is entirely and solely the responsibility of the RK. It is not the responsibilty of the driver or person in charge of the vehicle.

To be clear:

Failure to have valid VED - RK responsibility - enforced by DVLA
Failure to display valid VED - driver responsiblity - enforced by Police
I totally agree that continuous VED/SORN is the responsibility of the RK. I was under the impression (wrongly?) that the OP had had his collar felt for 'Failure to Display'.

Which is why I said, if he appeals the failure to display, his gf could get hit with either failure to display, or failure to have VED - the latter probably being a worse penalty.

If he's being chased for failure to have valid VED, then I quite agree - no liability exists, and none can be proven against the OP. However, they are likely to chase the RK instead...
jampot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th August 2007, 12:20   #18 (permalink)
jampot
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 332
jampot Novitiate
Default Re: Not even my car!

On further inspection, the DVLA letter is rather ambiguous:

"you were responsible for using/keeping the above vehicle on a public road whilst unlicensed in GROSVENOR ROAD WESTCLIFF . Even if the vehicle has been licensed since this date, the offence still stands."

The first sentence implies that the offence is perhaps failure to license, the second implies failure to display.

On the whole, I *think* the DVLA is claiming this is failure to display, but it is totally unclear!
jampot is offline  
Digg this Post!