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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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    • 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.

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Link Financial


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Hi - I am a newbie on here and had to join just to help put my mind at rest!

 

My partner has just had a note given to him from one of our neighbours asking him to ring 'NAME' on a London number - very weird.

 

Rang them, did not answer with a company name, just asking personal details - my partner did not tell them anything, not even his name.

 

I looked up this person's name on the web and found that it was Link Financial - my partner did have an MBNA credit card years before he met me - what should be our next step? We do not own our own home, and financially we are not in the greatest position.

 

:?

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Hi and welcome to CAG

 

This sounds like a fishing expedition until anyone contacts you directly I would file it under Ignore. If they contact you directly dont hesitate to post back and you will get advice :)

 

 

saint

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If it is what you suspect then they are in breach of Office of Fair trading debt collection guidelines.Keep a record of all this and any further attempts they may try.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...

Hi, many thanks for replying to me - I have kept and am keeping a record of all "contact" no matter the route taken by them.

 

Thankfully, the neighbour hasn't passed on any more messages, however, we have had direct contact twice now in the past couple of days by post.

 

The first was a postcard just asking us to call a name and then a number was given - no company details were on that. The second has been a letter from them on letterheaded paper. We now have a reference number and an account balance, which is over £2000 more than my partner's credit limit on the card he had years ago - so I dont know where they have this amount from!

 

Do I scan this letter and let one of you see the wording? They are asking for the full balance in the letter. They say it is due immediately.:shock:

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Hi Kimbo , Firstly how long ago did your partner have the card , and also have any payments been made to any body on this debt. If the debt was more than six yrs ago and no payments have been made then they can not chase it ( not that it will stop them trying ).

 

Manchester1:)

 

MANC 1

 

 

 

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He got the card about 6 years ago, and was paying it normally to MBNA when the card was active. Then it must be about 2 and half years since he made a payment as (to cut a long story short) he was going through a split with his partner and financially he was left with a lot to sort out. He lost his house etc.

 

So the last time a payment will have been made will be then.

 

Do we need to send a CCA letter, as I keep reading posts on here where people are mentioning this quite often.

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Did the letter tell you who the original debt was too or are you just summising that that is who they are collecting the debt on behalf of ?

If its the latter then I would be tempted to ask them for proof of the debt with this letter

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

saint

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Yes, the letter does have the original MBNA card number as a reference, as well as a Link Financial reference number.

 

How should we respond to it?

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  • 4 weeks later...

Hi, many thanks first of all for your help thus far.

 

Just wanted to let you know that we sent the letter using template 'N' to Link Financial with a £1 postal order so that they did not get our bank details from a cheque. We also sent it recorded delivery. This was on 28th May.

 

It is now 17th June and we have had no response as yet - do we need to do anything further? Or do we just wait for their response no matter how long it may take?

 

Any advice would be greatly appreciated. This is all new for us so apologies for needing to be lead through every step!!

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alright people? i'm new here

 

does anyone know what a letter fron link quoting section 136 of the law of property act 1925 means?

 

had a letter from them today about a debt i'm fairly sure i paid off 2 years back - that apperently i havent

 

cheers

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  • 2 months later...
Hi, many thanks first of all for your help thus far.

 

Just wanted to let you know that we sent the letter using template 'N' to Link Financial with a £1 postal order so that they did not get our bank details from a cheque. We also sent it recorded delivery. This was on 28th May.

 

It is now 17th June and we have had no response as yet - do we need to do anything further? Or do we just wait for their response no matter how long it may take?

 

Any advice would be greatly appreciated. This is all new for us so apologies for needing to be lead through every step!!

 

We have received a response from Link regarding the request for the signed credit agreement.

 

They have enclosed a copy of the signed agreement, with the credit limit on there too. What is our next step? As I know there was a time limit you mentioned etc. Also, if we need to start making repayments to them, how is best to negotiate and are they able to ask for £2000 more than the credit limit of the original debt??

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  • 4 weeks later...

Hi, I posted a thread back in May about my fiance's old debt with MBNA which Link had taken on.

 

We sent them your template letter requesting a copy of the signed CCA. That was sent to them on 28th May - we received a copy on 2nd September.

 

I then posted on the back of my old thread but had no response - hence this new thread being created.

 

What is our next step? The credit limit shown on the CCA is £2700, yet Link are demanding £4836!!! They are saying that we have breached clauses 1b and 8 of the agreements and are therefore demanding payment of the full amount by 9th October or further enforcement action will be taken.

 

We are not disputing the fact that this is owed, but the extra £2000 is extreme I feel, and we know by other threads on here that Link are difficult to negotiate with - how do we come to an arrangement??

 

We are getting married in 3 weeks time and can do without this worry - it is beginning to keep us awake.

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I presume you have received one of the many Default Notices that Link seem to have dished out en-mass?

 

It may be also wise if you could post up a copy of the agreement Link sent you to see if it complies with the CCA. You can upload them using Image hosting, free photo sharing & video sharing at Photobucket but make sure you delete all personal info.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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