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    • 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  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so 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 so slightly longer than the original tax set up so 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. So 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 so 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
    • Do you also own land the garages on and the private road? Or is it shared freehold with right of access to all freeholders or why?  Dx  
    • I may try cheap plastic bollards (traffic cones) first just to see if they get moved.  I will look into the cost of fixed bollards.
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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Overdraft question


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I have an agreed overdraft of £2500 which is used to the full every month.

It is up for review on the 26th march which coincidentally is the date I have my salary paid in to the account together with my annual bonus.

 

In the last couple of months, I have exceeded my overdraft limit by just over £2.00 (two) which resulted in charges which in turn took me back to my limit which resulted in a returned DD, more charges and again they took me over my limit by £8.00. result yet more charges.

 

Checking my online account today, I noticed that I had an overdraft facility of £2500 but a guaranteed facility of only £1250.

 

My worry is now that on the review date, they will either withdraw or cut my limit to the lower amount which is going to cripple me completely in the first instance and cause me major headaches in the second case scenario.

 

My salary and bonus will amount to around £2200 and a reduced limit would leave me able to pay my major bills only but leave nothing for food, the withdrawal of the full amount would plunge me into financial disaster as I have no savings whatsoever to fall back on to pay any bills or live on.

 

What is the likelihood of them taking any of the mentioned actions and what are my options should they do so.

 

I have thought about a parachute account but dont want to ditch the account if not necessary as i have enough financial problems elsewhere without adding these to my list of creditors.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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If the guaranteed overdraft limit is only half of the actual amount, this is the amount that 'the system' suggests they lend you, by increasing this, they are exposing themselves to a higher risk of loss than they should be doing... so it is likely that whoever carries out the review will say "unfortunately....", the amount you go over by is irrelevant really, its the fact that they've let you over what they should anyway.... I really do think they'll say no, had this bene one of mine when i was a HBOS emp, i would've declined. Sorry.

AB123uk

 

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Hi,

 

That is a bit of a pickle. Now I work in Financial Services and I have seen recently with clients of mine and even friends that the banks are reducing credit limits even for those without credit problems...

 

This merely confirms, IMHO anyway, what I have been saying for some time which is that the banks lent over zealously over the last decade and the "credit crunch" has been their catalyst in their panic!

 

Note that the debtor has become more knowledgeable too...as well as the changes inthe CCA 2006 with the "unfair relationships" these all combined have made the Banks profits reduce...

 

So in response to your question I would say try to protect your money until you know what they have done...If they reduce it then you can try to speak to them and see what they do but you have all your money anyway. If they don't you can put your money back in and forget about it till the next review...

 

Hope that helps a bit...

 

Penfold

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ab123uk, the £2500 limit was the agreed and approved limit for some time.

Its just that coming up to review, they seem to have re-adjusted the guaranteed amount.

I would also add that I have a Platinum card which started out at 14.9% but was then increased to 19.9%.

I responded by cancelling PPI, they responded by increasing again to 24.9%.

 

I am trying to sort things out but it seems like the Halifax have got wind of a potential problem and are doing their level best to get their pound of flesh, "just in case" but its this sort of action which is going to push me over the edge.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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