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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
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    • 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 
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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.

      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.

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      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
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Denied Manual Intervention Information


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I sent my DPA letter to HBOS. After acknowledging my request & confirming copies of duplicate statements are on their way, they said the following:

 

"With regard to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore I am unable to assist further with your request".

 

Can anyone tell me if the above statement is correct? I thought any information relating to personal details should be recorded and made available.

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Can i just say this is a standard letter they are sending out now. I never even asked them about manual intervention and they sent me out that letter.

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As far as we ie. the customer is concerned the fact that there has been no manual intervention is a good thing. It means they can't say that "someone" had to do something with your account that took time and therefore cost :)

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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So then, if Rino's letter is the 'truth' then how can they justify such high charges for an automated system. If I were a shareholder and realised that we were using charges to pay for the IT/IS to run the Bank I would be gobbsmacked!! But I suppose as long as my divvies came in them I probably wouldn't give a monkey's. However, they cannot justify charging us such extortionate rates if that is the case - Hooorah!:razz:

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If the post/advice helps, pse click on the scales!! :cool:

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Old account

Received copies of my statements

Only entry for a charge was Returned chq fee of £20.00

However interest charges for the period when I was overlimit = £371.25

Apparently interest was refunded back to the account to the tune of £302.18

 

Also credit card insurance fees fluctuated considerably, starting at 72p per £100, rising to 73p per £100 when I went over my limit. The amount paid in total = £312.46.

 

 

 

Can I claim the difference of £69.07 plus the £20 late fee?

Can I claim back all interest including interest paid before I went overlimit?

Can I claim back my Credit Card Insurance as I was never unemployed for the period of the card ownership?

Which template letter would be the best to use? Or have I lucked out on this one?

Any help with these queries would be greatly appreciated.

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Just because you weren't unemployed during the period of insurance does not mean you can claim the money back. Insurance is there in case something happens, in your case it it didn't but you can't have your money back! Would be a great policy if it did lol

I'm puzzled over what interest you want to claim back. You could only claim back any interest you paid on the £20 late fee, not interest on the total amount owing as that rightfully had interest applied to it.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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With regards the interest - interest was debited against my account and this interest went up considerably during & throughout the period I was overlimit, as if that was used instead of late fees to claw their money back. Also, they refunded some interest back to my account during its time, so why can't I claim for the rest they didn't refund?

 

Any replies would be appreciated.

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