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    • 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  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.  
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    • 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  
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Halifax Overdraft Withdrawal No Notice!!!!


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Hi,

 

I checked my account online today to see what i had in there and was totally shocked!!!!!!!

 

I have had for over 8 yrs an arranged/authorised overdraft of £3850 which i am usually well into.

 

However today overnight my Overdraft has changed from £3850 down to £900 leaving me nearly £2600 in an UNAUTHORISED overdraft which they are demanding back at 10% a month and my account is on hold, i can't buy food or anything and i have been told to phone their Customer relations Dept on monday as i may have a case for reinstating my OD as they never wrote me any letters online or by paper.

 

Has this happened to many people , it just seems a way of claiming extra payments back at customers expense, i am completely stuffed now.

 

If i open an account with someonelse will i be accepted as i am a debtor to the Halifax overnight!!!!!!!!!!

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You should be able to open another account with another provider today. I would suggest perhaps popping into your local branch and asking them to start the process of investigating this issue TODAY

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It seems total madness to me. I have been a good customer for over 21 years with them, yes in an overdraft quite a lot but it was an authorised overdraft that they made a nice bit out of, i get my salary of around £1900-£2000 paid in there as well, seems totally stupid to me why they did this?

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Spoke to their relations dept today and my OD has been reinstated and she said she doesn't know why it would have happened in the first place.....not convinced. There is a down side in that it is up for review end of june, she said i will then need to contact them 10 working days prior to state that i wish to continue with my OD in its current form.

 

Will wait and see as i'm not entirely convinced ......in the meantime a new account has been opened with another bank as back up.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

 

My thoughts exactly.......

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  • 3 weeks later...

Ok, i had trouble with the Halifax taking my OD away with NO notice, this has been reinstated, but i don't trust them and have opened a parachute account. However my query is if i do a complete swap to the new bank will Halifax immediately want payment on the OD as i'm always in it or will the new bank take on the OD as they say if i use their swap service they "may" match my current OD.

 

I don't want to end up in a fight with halifax as i will lose especially with OD's, i was very happy with them , but i truly don't trust them, my OD is up for review in June when no doubt they will stitch me up .

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Watch they don't delay transfer of DD's, I moved to parachute account and my new bank asked Halitwats to transfer details electronically, this they refused to do!

Ended up with DD's being taken from Hali, but with no cash going into that account ended up with over £300 in charges for returned DD's.

FOS have managed to get this cleared as part of hardship claim, but it has still being ongoing for the last 6 months!

Don\'t let the B**tards grind you down

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