Jump to content


  • Tweets

  • Posts

    • 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.
  • 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

The worst way spoken to by a DCA....


mr.ton
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5971 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

Well, Clarity have threatened to send the boys round, but I'm afraid I just hysterically laughed at them ... only time I can actually say ROFLMAO sincerely applied.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

  • Replies 168
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hubby had dealings with Bryan Carter who threatened court action, to which he replied 'go on then, I'll see you there'.

 

They've since referred his account back to the OC :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

Link to post
Share on other sites

Here's a snippet of a complaint letter I wrote to Debt Manager's Limited following a particularly rude telephone conversation with 'Jenny' :

Quote:

Jenny called to advise me that I have an outstanding balance £7198.54 and requested payment by credit or debit card. I advised Jenny that I was unable to make a payment of £7198.54, she asked why to which I replied, “Because I don’t have £7000.00”. My partner, who was in the room with me at the time, laughed and Jenny obviously assumed it was me laughing and snapped “Do you think this is funny Miss Clarke?”. I assured Jenny that I did not find this funny, indeed someone calling you on an evening demanding seven thousand pounds is not a laughing matter. I once again advised Jenny that I did not have £7000.00 available to pay her, and she asked me “Why is that Miss Clarke?” several times.

 

I obviously failed to come up with a reasonable answer to Jenny’s question as she next asked me to pay in 2 monthly instalments of approximately £3500.00 each. I advised Jenny that this was not possible, after all I don’t even earn anywhere near £3500.00 per month. Jenny then decided that I did not have £7198.54 to pay but could make a one off payment of approximately £5500.00. I advised Jenny that I did not have £5500.00 to which she asked if there wasn’t someone who could pay the debt for me. Had there ever been someone who could pay my debts for me, I would not have found myself in the difficult situation I am in now.

 

 

They have now agreed to no longer phone me and any contact will be made in writing.

 

It's against OFT guidlines to ask someone to borrow money to pay off an alledged debt :x

 

Make a formal complaint to OFT, TS, FOS, your MP and anyone else you can think of ASAP...

 

Here's the links:

 

The Office of Fair Trading: making markets work well for consumers

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

Financial Ombudsman Service

 

Good luck and best wishes...

Link to post
Share on other sites

Thank You! I didn't know that! I complained to DML in November (that's where that bit of the letter is taken from) and received a reply saying they were investigating etc. I complained to them regarding harrasment and also a Data Protection Issue as they were phoning my mother even though they know I didn't live with her.

 

I am taking my complaint of both of these issues further so I'm very thankful you brought that to my attention :p

Link to post
Share on other sites

Many thanks to the mods for rescuing my thread from total destruction :(

 

....so has anyone else got more examples of the way they've been spoken to by various DCA's?

 

Hi mr.tom,

 

Sorry about the nonsense on you thread the other night. I made a comment, then some muppet just had to butt in, then everyone started.

 

Hope there`s no hard feelings matey?

 

Regards

 

 

N.P :(

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

I remember back in 2002 that i received a phone call at about 7pm on a Saturday night off a DCA - the guy asked me was their a cash machine near by & i stupidly said there was.

He wanted me to go to that cash machine straight away.

Can anyone explain what for as to this day i still cant workout the logic in being asked to do that by the DCA guy?

I cant believe i almost fell for what he was telling me to do as well..after about 5 minutes, i finally got my logical brain back & said to him "oh f**k off n*b head" & hung up :mad:

Link to post
Share on other sites

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

Link to post
Share on other sites

There will be several thing that a DCA has done that break oft guidelines.

 

You can check them all out here.............OFT debt collection guidance

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

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

Thanks ODC :) That's exactly what I meant...

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...