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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Mbna 'agreement' - now threat of legal action


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But regardless of the day of posting, it arrived on 9th, due date 23rd:confused:

 

Hi AA99 you're missing the point.. in the eyes of the law they have to allow two definite days for postage and then count the 14 days [unless they can prove otherwise, which means either sent recorded/special or courier delivery]. So as it was sent on a Friday they should have allowed Mon+Tues and then counted the 14 days. They've still shorted you by one day.

 

PmW

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Hi AA99 you're missing the point.. in the eyes of the law they have to allow two definite days for postage and then count the 14 days [unless they can prove otherwise, which means either sent recorded/special or courier delivery]. So as it was sent on a Friday they should have allowed Mon+Tues and then counted the 14 days. They've still shorted you by one day.

 

PmW

 

Ok, mmm, but I'm ignoring it anyway:roll: Shall keep it in the file though :confused:

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ive lost too much sleep over this now and im not prepared to be a victim anymore from the incompentanties of these bankers that are not prepared to bide by the rules of the land

 

Well said Angel...go get 'em Girl!!:D

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Maybe we should compose a letter between us saying we have 200,000 friends in the same boat and would MBNA like to save some time and money by seeing us all in court 'en masse'. We could all arrange to pitch on the same day :cool:

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Maybe we should compose a letter between us saying we have 200,000 friends in the same boat and would MBNA like to save some time and money by seeing us all in court 'en masse'. We could all arrange to pitch on the same day :cool:

 

Would need to be a biiiiiiig court room;)

 

Sounds like a plan to me:D Now all we have to do is find a venue that would take us all :lol:

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does this apply to online applications? ive been told mine is enforceable, they still will not set up a repayment agreement with me, if someone could check it out for me?

 

http://www.consumeractiongroup.co.uk/forum/mbna/170438-mbna-help-please.html

 

my "agreement" is at #13, if it is a fraud count me in, i hate mbna, they harass me day and night but wont help.

:rolleyes::confused::rolleyes::confused:
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Maybe we should compose a letter between us saying we have 200,000 friends in the same boat and would MBNA like to save some time and money by seeing us all in court 'en masse'. We could all arrange to pitch on the same day :cool:

 

Bloody hell, count me out for making the sarnies! And it'll have to be BYOB:)

Time flies like an arrow...

Fruit flies like a banana.

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Maybe we should compose a letter between us saying we have 200,000 friends in the same boat and would MBNA like to save some time and money by seeing us all in court 'en masse'. We could all arrange to pitch on the same day :cool:

 

 

what about if we all sent a letter without a stamp on the same day to the same person !!!!!!!!! and then sent another one to be signed for !!!!!!

that would keep them busy all day

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im happy to write up the minutes:lol:

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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what about if we all sent a letter without a stamp on the same day to the same person !!!!!!!!! and then sent another one to be signed for !!!!!!

that would keep them busy all day

 

:lol::lol::lol: Love it. Should keep them busy for weeks. Can you imagine their confusion? Could we be done for harassment?:D

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:lol::lol::lol: Love it. Should keep them busy for weeks. Can you imagine their confusion? Could we be done for harassment?:D

 

Nope, because it's many individuals who just happen to have sent a letter whilst being very absent minded and leaving the stamp off. Pure coincidence that:)

 

Perhaps we could take it a step further, and rather than proper legal letters we could send out something that has a subliminal message within it. If they got hundreds it would probably work:D

 

Either that or we could each send just one word, which when put together would make up a sentence. Now that would freak them out - hundreds of letters arriving from all over the country that end up spelling out something. Although it would only take two to spell out what I'm thinking of:D

Time flies like an arrow...

Fruit flies like a banana.

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:lol::lol::lol: Would the second word be 'Off', by any chance?

 

Oh, Lexis, those are some superb ideas; I don't know which one I like more:D

 

Would our little debt monkeys be able to construct a sentence, though, even from two words? Bet they'd still get them the wrong way round.

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hehe it would take them 6 yrs to piece it all togeher

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Nope, because it's many individuals who just happen to have sent a letter whilst being very absent minded and leaving the stamp off. Pure coincidence that:)

 

Perhaps we could take it a step further, and rather than proper legal letters we could send out something that has a subliminal message within it. If they got hundreds it would probably work:D

 

Either that or we could each send just one word, which when put together would make up a sentence. Now that would freak them out - hundreds of letters arriving from all over the country that end up spelling out something. Although it would only take two to spell out what I'm thinking of:D

 

 

CSM, Lexis... :lol::lol::lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've just chuckled my way through the last few posts, I love it when that happens:D

 

CSM, Lexis... :lol::lol::lol:

 

Hey CB - I pretended I knew what CSM was last time you used it so that I could go and find out what it was in the meantime (and reserve my obviously supercool status). Please can you help me out now though?:D

 

PS - don't tell anyone I asked;)

Time flies like an arrow...

Fruit flies like a banana.

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I've just chuckled my way through the last few posts, I love it when that happens:D

 

 

 

Hey CB - I pretended I knew what CSM was last time you used it so that I could go and find out what it was in the meantime (and reserve my obviously supercool status). Please can you help me out now though?:D

 

PS - don't tell anyone I asked;)

 

Me too:-D Can't Stop Myself ?:shock:

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