Jump to content


  • Tweets

  • Posts

    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5951 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All

 

I wanted to get some advice on the idea of Bankruptcy (I have an appointment with CAB but know their are probably even more knowledgable people on this forum on the subject), this is not something I consider lightly but I do feel I have come to the end of my tether with my debt problems and see no other way out.

 

....The story is I am 28 years old and have debts with various different creditors of over £14,000, I make no excuse for this situation it is mostly my fault but it seems when banks and other creditors have got you in this situation they will do anything to keep you there.

 

...I had a debt management plan with Payplan but it really didnt work out the creditors said they would stop charges and interest but then just started them up again saying they had no contact from payplan when I know they certainly did they then said this was a mistake and apoligised but still the charges and interest was applied and I was not really getting anywhere. I cancelled the plan and negotiated my own payments with them, however the charges and interest are still stacking up which means I am paying out large sums every month and the debt is hardly being touched....It seems a waste of time and money because at the moment I feel I will be in debt to them for the rest of my life....and I want to do things with my life that I can't with this hanging over me.

 

....Believe me I have tried reasoning with these people but they just do not want to know, I am not looking for a quick fix but would like some sound advice to help me really get my head above water and see a way out of this. Obviously I know about an IVA and the other althernative would be Bankruptcy (how bad is that really?)...My biggest worry is that I had to move out of my flat and back in with my parents...would an IVA or Bankruptcy affect their credit rating and be held against their address??

 

Please any help would be greatfully received

 

Regards

 

Tristan

Link to post
Share on other sites

Bankruptcy no longer has the consequences it once did, unless you are (or intend to be) an MP or a company director or you own your home (you will be expected to sell to settle debts unless in negative equity). If you work in financial services, the law i.e. solicitor or barrister or a cash handling job you may need to keep your employer and/or professional regulatory body informed. Bankruptcy now only lasts a year at most unless the official receiver finds any fault with your financial affairs (e.g. gamblimg, paying a particular credit in preference to others, entering into credit you knew you couldn't pay) but it stays on your credit file for six years.

People with the same surname at the same address are assumed to be financially linked unless a notice to say otherwise is registered with credit reference agencies. So, yes your bankruptcy would impact on your parents if you all have the same surname but this can be avoided if they register notices of disassociation (saying they are not financially linked with you) with the major credit reference agencies.

 

CAB money advisors are generally pretty expert on bankruptcy and even if you see a general advisor they should be able to refer you on or give advice from their information system which is very comprehensive.

 

The insolvency service website (The Insolvency Service Website) is also a good source of information and also has all the documentation you will need to declare yourself bankrupt.

 

Hope this helps

Link to post
Share on other sites

Hi Yes I am...but I am actively seeking a better paid job to help with the situation...obviously this is difficult as I can't afford to lose my current job so I have to be quite careful about interviews and such

Link to post
Share on other sites

The debts vary in age , being with different creditors...having tried to get myself out of trouble through further borrowing I found myself in much more....vicious circle! They range from 1 year to 3-4 years!!!

Link to post
Share on other sites

who are the debts with and are they all enforcable?

 

Have you CCAd any of these companys?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Hi the debts are with Lloyds(main debt)Overdraft,credit card & Loan, MBNA(credit card), Egg(Credit card) & Natwest(overdraft)!

 

I have not cca'd any of them because excuse my ignorance I'm not certain what that is but will do some reserch

 

Thank you

Link to post
Share on other sites

have you thought of sending them a CCA request?

 

I notice you have a credit card with MBNA. You MAY find that the MBNA debt is unenforcable as some of the ppl on this site have found that.

 

I have not really been noticing many egg threads but the same does apply for them.

 

Now the bank credit card and loan would be the same but l dont know if a cca is covers a overdraft.

 

A CCA is a consumer credit agreement which is requested under the consumer credit act of 1974.

 

All you need to do is look at the stickies above these threads. You will find one for creditor templates.

 

Sorry i dont have the link but they are easily found. You will require letter N, request a cca.

 

Just amend that to suit your needs DO NOT SIGN THE LETTER JUST PRINT YOUR NAME. dont worry it is legal.

 

Send that with a £1 Postal order at least recorded delivery, this is needed as it is a legal request so u need proof of posting /delivery.

 

Then sit back and wait. They have 12 working days after they recieve it to get you the info. If they dont they they deafult.

 

A working day is classed as monday to friday so NO WEEKENDS.

 

any more info required just shout.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

yes see CAb but always bear in mind that until you have evidence you dont need to make a decision on the bankruptcy.

 

When you get the replys let us no what you have, it is easier if you post them up for us, and we will let u know if the are enforcable or not.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

it turns out that overdrafts ARE covered by CCAS

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 2 weeks later...

Hello

 

Thanks for all your advice so far

 

Received a reply from MBNA today with a "copy" of my credit agreement, now should this be something that contains my signiature? Because what they have sent me seems to be a template of a credit agreement with my name & address inserted at the top, although their is a ticked box and a date relating to when the agreement was made.

Link to post
Share on other sites

yes l think it should contain your signature but if you could post the document up then it would be helpful as we can then look at it more carefully and tell you iof anything else is wrong with it.

 

Chrissi

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

all you need to do is join photobucket, its free, then scan the image into your computer and with paint take out all your personal details, name adress email addy phone number and signature, then post ask photobucket to take it off your comp and then take the IMG number and paste it into the quick reply box.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

how did u apply for this?

 

l have only heard of tick boxes when the account is applied 4 on line

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

something i have just thought of when did the oft ruling on charges come in to effect?

 

l thought you were not allowed to be charged more than £12 in fees like overlimit fees as this is over the £12 and this is dated 2006

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

rite l will call on someone with more knowledge than be about this

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

In the meantime I have also had a document through from Lloyds with regards to my loan, all seems pretty above board but then I am far from an expert, any advice is greatly appreciated!!

 

 

lloyds1-1.jpg

 

 

lloyds2-1.jpg

 

lloyds3-1.jpg

 

lloyds4-1.jpg

 

lloyds5-1.jpg

 

lloyds6-1.jpg

 

 

Thanks in advance

Link to post
Share on other sites

I have pmd a couple of paperwork experts but l dont know if they will be able to help.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Ty Curlyben for that l did not want to get it wrong.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...