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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?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • 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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      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.  

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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.

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      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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Debt following death.


nuthatch
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Hi NH

 

Sometimes it never rains but it pours.

 

Hope your mum is ok.You concentrate on getting her well - you might be suprised how quickly she mends.

 

When you are at the hospital just think about all those folk in there who would gladly swap places with any of us if all they had to worry about was money!;)

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Hi NH

 

You concentrate on getting your mum and yourself better.

 

you will find the strength over time to deal with all this and as a result you will get there failing that you can always as for help from the likes of the CAB.

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!!'.

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"Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made."

 

They rely on computers and quite frankly should not be in charge of anybody's money. Fit to hold a consumer credit licence? They are not fit to run a garden party.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

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!!'.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

 

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

 

 

....and that's why their shares are now FREE with every box of Kellogs Cornflakes.:-D

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lol Chancellor.

 

Do they come on frosties as i dont like cornflakes?

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!!'.

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Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

More to the point, did it have a valid CCA. An enforceable agreement?

If my post helped you feel better, click my scales.

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More to the point, did it have a valid CCA. An enforceable agreement?

:lol:

 

Just to update this thread.

 

Since writing back to 3 of DH's creditors asking them to provide proof of the debt, I have had no communication at all.

My biggest pain at the moment is the Inland Revenue.

I had to fill a Self Assessment Form in on behalf of my husband and I have had it returned twice.

I have spoken to the relevant Tax Office twice for advice but I must really be thick because I still had problems.

Last year we used an Accountant as there was Capital Gains to work out and the accounts from my husband's failed business but it cost an arm and a leg so I said I would do it myself because he left no money.

 

Amongst other things the form asked for how much he made in tips from his job as a cook. I know this is a required bit of information but how on earth am I expected to know that:confused: When I asked the office that question she asked if DH kept a note book somewhere with the details in.

I told her I had no idea as it was his own private affair and, given that his total income between April 07 and when he died in June 08 was about £10000 (including Pensions) I shouldn't think it was much as he was only working 10 hours a week .

 

I think this should be a lesson to everyone to keep your money under the mattress so all your (trusted) relatives know where it is and can do what they want with it :rolleyes:

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Typical IR behaviour, they love these self assessment forms, as you say how on earth would you know how much he got in tips! They kept sending me penalty notices going up a £100 a time even though they said that my OH and I didn't have to self assessment forms in anymore, so I copied their letters and sent them to my MP. I was impressed at the speed of the reply and the fact they have passed my complaint on to the appropriate dept. They have "kindly" suspended the penalties for the present, this is the second time, last time they sent an amended penalty notice saying we owed nothing:-?

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I have, today received an unbelievable letter from EGG.

I sent them a copy of all my late husband's credit card statements showing his liabilities. I also sent them a copy of his final building society statement.And the letter from Lloyds TSB saying the debt is written off.

I have now received a letter asking me to fill in a form providing them with all this information again.

I am shaking like a leaf.

They have still not provided proof of this debt as requested.

Is there someone important I can write to at EGG to tell them what they are doing to me?

I have provided all this information before...admittedly on a form of my own design and not their own.But as I knew I would have to send it to a few people I thought it would save me time filling in yet another form.

How many times do they need to know that he had no assets? No house. No stocks and shares. No Life insurance.No car.

 

Having calmed down a bit I have just realised the letter is in reply to a letter I sent in Sept and not in reply to one I then sent 2 weeks later with all my late husband's financial info included.

To say I am mad is not even near how I feel at the moment :mad:

I have copied the letter just received together with the proof of delivery and the Recorded Delivery receipt for the letter I sent with all DH's information and enclosed them in their envelope and I will be sending it back tomorrow.

 

I feel like writing to Egg's Chief Exec and asking if these people from "The Executor Support Team" can actually understand English.

Although, looking at the origin of the names signed at the bottom of the letters, possibly not.

And I don't care whether that is PC or not.

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Oh thank you TheChancellor. I think I am so calm about things and then a stupid stupid CC company can blow my resolve out of the window.

In the scheme of things, they are way at the bottom of my priorities. I think it just brings it all back that my husband would not have spent his last years worrying about debt if these people had been more human.

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

Well put, J.C.

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well it all seems good. just need to sit and wait now to see what they say.

 

Yes i know its not fun but trust me u will get use to it and will find plenty of things to do with your time.

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!!'.

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Letter from Egg today to say they have received the information about my husband's estate :rolleyes: and the contents have been noted.

The file is now in the hands of the Management Team....whoever they might be.

 

Told you it would reach them eventually NH.The "Management Team" are the ones on the next desk who can do joined-up writing.

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Even if they can read it will be an improvement :rolleyes:

 

And the ability to do basic maths (when they realise that X number of creditors into £300 isn't worth the time and effort chasing it up) would deserve a round of applause :)

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well lets just hope they are nice and agree to put it to zero balance.

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!!'.

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Oh bum. This is getting so annoying.

Have had a letter about DH's debt to L********ds. It is less than £400 and if they got a pro rata share of his "estate" they would get about 25p.

 

I sent copies of all DH's CC statements, final 3 months bank account statement and copy of all funeral receipts and now they say they are passing the account to Phillips-Cohen Associates who will "assist me with closing the account."

Mind, it also says they are enclosing a helpful brochure offering useful info about the probate process. No brochure enclosed and I have already told them that I did not need probate as estate was worth zilch.

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Wonderful bunch from what i remember

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!!'.

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