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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 
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Collect Direct (UK) [barclays stockbroker debt] Court Action Warning


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Here is correct JPEG

 

This is strange letter I have just recieved :confused:

 

The unsigned letter is from a solicitor acting on behalf CDUK whos client is barclays. The letter also states that correspondance should be sent back to CDUK. I also noticed they are at different addresses. Has any had anything like this before?

 

CDUKGPB-1.jpg

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Standard scare tactics. The letter may have been issued by CD themselves using GPB headed paper. Some lawyers allow their DCA clients to do this which is extraordinary given that they are supposed to do appropriate due diligence to make sure that the letters sent out in their name are factually correct.

 

You'll note the use of 'may' rather than 'will' throughout the letter. This is to allow them to not issue proceedings without any regulatory issues.

 

It's unlikely that this letter is the precursor to legal action. It's more likely to be an attempt at intimidation.

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Thankyou Seminole....I thought that would be the case. I am just a bit wary of not responding to their constant correspondance requesting full payment. If I did end up in court I want to be able to cover my ass. Like I said I have issued them full details of what I can afford to pay them on several occasions.

 

Also I was a little wary of these so called solicitors, as I never heard anything about them on CAG. I think they are a in house outfit who claim to be a seperate entity, as you say to issue scare tactics.

 

I am quite suprised that CDUK have not realised/concluded that I will not pay them anything more than that which I have already proposed!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 4 weeks later...

Not sure if CDUK have passed this back to Barclays Stockbrokers. I have just recieved the letter below from Matthew Arnold & Baldwin Solicitors.

 

Should I repeat my previous repayment proposals to them also. Is there anything I should do?

 

Image001-2.jpg

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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My OH had dealings with Collect Direct UK over a M & S unsecured loan. The woman at the DCA was a complete fool, despite allegedly having a law degree. We complained and in the end M & S took the alleged debt back off them and eventually admitted it was unenforceable through lack of CCA.

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She wouldn't happen to go by the name of Mrs Gallagher would she? She talks absolute nonsense and blatent lies. I've had a bit of fun when responding to some of her requests.

 

In this case I was not offered credit so I can't ask for a CCA and the usual rules don't apply. I have told them what I can afford to pay them along with a budget and they have not accepted this. I have repeated my offer on several occasions.

 

I can't see what they will achieve by taking me to court....I can still only pay what I first offered them! :roll:

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I'm just trying to put an appropriate responce letter together to send Matthew Arnold & Baldwin, does anyone have any suggestions as to what I should include?

 

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HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Hi,

 

Personally I'd just repeat the offer you've previously made but ensure you put something in that informs them that if they were to take court proceedings forward then a) they will only get what you can afford... i.e. what you've offered? and b)you will show all the correspondence and previous offers from yourself and themselves to a judge to counter any issue of costs

 

S.

Edited by the_shadow
Added key bit to hopefully counter CPR pre-action protocol threat
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I would also include a months payment to the letter to show that you are trying to pay your debts if it ever goes to court and of course keep copy of payment etc.

 

dpick

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too late already sent it, although I did highlight the fact that I repeatedly offered them a replayment plan and again asked if their client would provide me with a paying in book or standing order details to allow me to start making these payments.

 

cheers dpick

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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i personally would do as dpick has stated. if you send a payment proposal it is alwyas best to include the first payment and keep to your payment proposale whether they accpet it or not. It looks very good for you if they take it further and very bad on the dca/sol.

 

If you can forward a cheque or postal order and keep doing so . Did you state that you would pay this monthly etc if so then keep to your payment timescale.

 

ida x

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Yeah that makes sense, I'll follow up todays letter with another, including a cheque for the amount I have proposed. Should I send it to the solicitors or to Barclays Stockbrokers?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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another thing , is the balance correct? no unexpected rise to any collection charge been added?

 

ida x

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No, the debt has been the same since Barclays asked CDUK to collect on their behalf at the begining of December 08.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Looks like my lastest letter finally hit home, just recieved this below.

 

Mab.jpg

I think I'll agree and start paying the £10 a month, then offer then offer a reduced full and final settlement when I can afford to. :D

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Looks like my lastest letter finally hit home, just recieved this below.

 

 

 

I think I'll agree and start paying the £10 a month, then offer then offer a reduced full and final settlement when I can afford to. :D

 

That looks like a "win" to me :-)

 

Well done for holding out.

 

S.

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Yeah....I'm pleased with the outcome so far. Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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yeah like the 73p make all the difference :rolleyes:

 

well done for keeping at them

 

ida x

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