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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
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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  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.
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Being taken to Court by HFO Services -Please help Advice needed **WON**


Rosie_123
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Rosie any luck yet, Turnballs have not filed anything so my case was stayed, how about you?

 

Hi there - well I have heard nothing either - not even a "fake" credit agreement. But I do have a Court Date from my local Court in reply to my N244 - to get the case thrown out. It's not til September - so guess will just have to wait til then. Good luck with everything.

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Hi Rosie

 

I have heard nothing either, not even a court date from my N244.

 

Broken arrow

 

I guess the court date thing relies a lot on the individual court and how behind they are with their workload. Perhaps mine are just efficient?! Must admit I just want the whole damn thing to be over now.

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Hi Rosie

 

Rang the court, they said the judge was looking at my case today and to phone back tomorrow.

 

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US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi Rosie

 

Rang the court, they said the judge was looking at my case today and to phone back tomorrow.

 

Broken arrow

Good luck with things and let us know :p

 

847 - I would advise you to start your own thread, because things can get easily "lost" in the middle of a big thread like this. If you start your own thread, then the Admins and people here with legal knowledge will see it more quickly and be able to help you more. Good luck.

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Hi Rosie

 

Just to update you, my case has been listed for a hearing, late August early September.

 

All the best broken arrow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi Rosie

 

Just to update you, my case has been listed for a hearing, late August early September.

 

All the best broken arrow.

So sounds like a week before me.Good luck and thanks for telling me:)

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Rosie

 

Still no posts from IGNM ( last post 2nd July )?

I would not have done the N244 without his replies to my thread.

It raises a few questions, would TR have responded to my ( your ) defence and it might now have been stayed ( and saved us £75 ).

Was his advice correct and the N244 will get the claim struck out.

Any thoughts?

 

All for now

 

Broken arrow

 

PS

 

As they have not sent you a CCA yet they must not have a copy, no CCA no claim!

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Rosie

 

Still no posts from IGNM ( last post 2nd July )?

I would not have done the N244 without his replies to my thread.

It raises a few questions, would TR have responded to my ( your ) defence and it might now have been stayed ( and saved us £75 ).

Was his advice correct and the N244 will get the claim struck out.

Any thoughts?

 

All for now

 

Broken arrow

 

PS

 

As they have not sent you a CCA yet they must not have a copy, no CCA no claim!

 

Yes - I see what you mean - and maybe you're right. But if the claim gets struck out then the £75,.00 will be refunded anyway as far as I know. And I guess at least having it struck out means an end to the matter. If it's "stayed" it kind of hangs around for ever and they can resurrect it later I think. I wonder about what happened to IGNM too- but - one never knows- maybe illness or family problems - I hope he is OK.

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Rosie, BA,

 

I'm sure IGNM's advice was sound. It's the only way of getting rid of the clowns at TR. As you say, BA, with a stay the case hangs around like a bad smell. However, if TR wanted to, they could start the whole process again but IMO if they haven't got a valid CCA, they risk the court making a civil restraint order banning them from any further action.

 

Don't forget to ask the judge for the fee back. That way TR have to send you a cheque. You can almost drool over the thought of them having to pay you money. And don't forget to add your time preparing your case. As a litigant in person you can claim £9.25 per hour.

 

best of luck with the hearing.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Rosie, BA,

 

I'm sure IGNM's advice was sound. It's the only way of getting rid of the clowns at TR. As you say, BA, with a stay the case hangs around like a bad smell. However, if TR wanted to, they could start the whole process again but IMO if they haven't got a valid CCA, they risk the court making a civil restraint order banning them from any further action.

 

Don't forget to ask the judge for the fee back. That way TR have to send you a cheque. You can almost drool over the thought of them having to pay you money. And don't forget to add your time preparing your case. As a litigant in person you can claim £9.25 per hour.

 

best of luck with the hearing.

 

I am already drooling :) Thanks for advice about the time thing - I didn't know that. Do you mind me asking how many hours is realisitic to apply for? I've probably spent hours preparing over the past months,- but I don't want to appear too "greedy"!

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Hi Rosie

I don't know what a valid amount of time is. All I can say is that on a recent case of mine which was adjourned because the solicitors didn't have all the docs, they claimed £400 for a half hour hearing and all the preparation with a solicitor charging £125 per hour. The judge held over the costs but said I could claim my costs if I won. She added that it might only be at £9.25 per hour but obviously I would need longer than a solicitor to prepare and so "it usually works out at about the same"!!

On that basis you could charge for taking 10-12 times as long but that might be overdoing it. However, I wouldn't have a problem claiming a couple of hours for work that might take a solicitor 15-20 minutes.

I would also claim for travel costs to court and any loss of wages for taking time off work or taking a day’s holiday. Don't forget that you have to print off and send letters. Many solicitors charge a fixed fee as well. In my case they wanted £12.50 for sending AND for receiving & reading every letter. I don't know if the rate of £12.50 is laid down anywhere, but if it isn't, why not charge £12.50 for every letter you send/receive.

Whatever you charge, you could be asked to prove your time. I suggest you go through your file of papers and list each one and against each put in an estimate of time for dealing with each one.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I don't think there are any forms. In my case, the other side wrote to me a few days before the hearing with an 'invoice' of their costs. The judge asked if I had been sent this. I think the idea is that once a judgment is made, the winning side asks for its costs. If the proposed figure is accepted by the losing side, then that is what is put in. If the loser objects, the judge seems to basically gets some agreement. In my case, with the other solicitors asking for £400, I suppose I could have objected and eventually settled on a figure of say £250.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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To all those who have asked, and who have contributed to this thread over the past months - I am delighted to tell you that I won :)

 

I took HFO to Court to have their claim for a Charging Order against my property, thrown out, as they have never responded to any of my letters or sent me any information. Of course they did not bother to turn up to the Court, which did not please the Judge at all :mad:

 

Their claim against me has been thrown out, and they are going to be told to pay all my costs within the next 14 days :) Of course I realise they may try and get this judgement against them overturned,- but I'm told not to worry in the meantime. I think my local Court are also pretty p****off with HFO who never seem to turn up anywhere!

 

Sadly, when I got home from Court, I found that I have a new battle on my hands - a letter from the (in)famous Cabot for my other outstanding credit card debt. But, thanks to this site, I feel so much more confident now, and I am going to totally forget about them for the next few days and celebrate :)

 

So again - just wanted to say thanks to EVERYONE here on this brilliant site who has helped me. Without your help, support, patience and knowledge, I could well have come out of this very badly, just because I knew nothing about DCA's and Court procedures or anything until this time. So big thanks to all - and a huge "GOD LUCK" to broken arrow for next week. i hope your case has a good conclusion just like mine.

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... and that was about 100 hours @ £9.25 you spend working on your defence, wasn't it?

 

Indeed :) Not to mention my loss of earnings for the day I went to Court, and the £75.00 for my N2444. I believe I have to ask a Mod to move this to the "successes" thread now!

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Hi and well done Rosie :)

 

Hope my hearing goes as well as yours , if I get same outcome IGNM,s advice was spot on.

 

How long did the hearing last? and was it all straight forward.

 

All for now

 

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US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi and well done Rosie :)

 

Hope my hearing goes as well as yours , if I get same outcome IGNM,s advice was spot on.

 

How long did the hearing last? and was it all straight forward.

 

All for now

 

Broken arrow

About 10-15 minutes - no longer :) Plus the 15 minutes I had to wait before they called me in, which I realise now is the time my local Court allows to wait for all parties to arrive, (just in case they are held up in traffic or whatever). The Judge was really approachable and friendly, and even though I admit I was very nervous beforehand, it wasn't scary at all. In my case - my Judge was a female in her 40's - very easy to talk to. One tip - if you haven't already done so - work out the costs you want to apply for before you go in there. I was expecting to have a form to fill in or something - but there wasn't one - the Judge just kind of asked me how much I earned per hour at work (to work out loss of a morning's earnings I guess), and any other expenses, and then told me how much she was awarding. I took loads of stuff with me like Bank Statements and payslips etc and she didn't need any of it, though I would still advise you to take it just in case your Judge is different. It really was so much better than I had feared, so good luck - hope yours wll be as trauma free :)Please let us know how you get on.

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Oh well done Rosie, I am really pleased for you. :)

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