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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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Just about to issue my husbands Data Protection Act request to Halifax


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Outcash THANKS - shall do that then - I was just wondering if they'd expect 14 working days.... so timetable it is!!

 

My son's LBA goes in post in morning for HSBC - then MCOL 7th Sept for his charges £242 - I am sure they shouldn't sting him as he is still a student - ain't letting them rob my baby!! :Cry: (he is 6ft 6ins ha ha )

 

Goodluck with yours hope you get every penny back!! - looks like I need to get up to speed with the MCOL stuff as it will soon be time!!

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Have Halifax gone all weird on us??

 

Today we gets letter in response to our LBA - they are explaining that they do have a complaints procedure and it is outlined in a leaflet. They will deal with it as quickly as possible!!!

 

Oh!! well Take your time Halifax our MCOL gets filed next week - maybe they'll rspond to that?? Tick Tock - Tick Tock - Tick Tock!!!

 

I reckon we will have procedures too?? :D

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Well today Husband receives letter from Halifax offering him £290 as a goodwill gesture - that they as a Bank incur costs everytime we go O/D or DD isn't met etc.. Mmm!!! to the tune of what they took off us?? I doubt it very much!!

 

OK let them have it that way!! I found some more recent charges to add to what we'd initially said on our more recent statement so I shall add those onto claim when we file on Tuseday!! :0)

 

Sure do like taking the P don't they? :confused:

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Court papers are completed ready to file tomorrow - sure will be a waiting game now seeing what they do next :confused:

 

Will send a copy of court papers to them with a letter rejecting their offer (other than as a partial payment) - breakdown of charges will be sent to Halifax - and a note to this effect will be made on court claim saying I also sent copies to the Bank!! So they can't wriggle and say they don't understand the charges claimed for etc.. as it will be enclosed to them!! :D

 

Sure will be interesting to see what they do now? :)

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I am in middle of filling in court forms etc.. for hubby's claim for filing tomorrow - does anyone know if I can file at the Customer Relations dept at PO Box 548 Leeds - or do I file using the branch address ??

 

can a court claim be done at a PO Box does anyone know??

 

SORRY everyone just last minute jitters!! :confused:

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I used the Trinity house address

Trinity road

Halifax

Hx1 2Rg

good luck............not long now!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Thank you so much - I am doing form now and had sent all other letters to the branch manager - the letter with hubby's offer was from Leeds - so I wasn't sure whether that PO Box was where to send it!!

 

I will use Trinity House!!

 

Thanks again for your time & help - like you say now it's getting closer!! :D

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I used Trinity House address too at the advice of sheriff Clerk, They said delivery of summons to PO box number could hinder the delivery.

I phoned and asked if the could give me full address instead of PO Box number and was told all they have is a PO Box number...lol Wot does the street sign at the end of the road say PO BOX road or something..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Reidnet,

Thanks for that I did use the Trinity House address - papers were filed at C Court this afternoon too!!

 

Court Clerk said a lot of people had actually won these cases and he'd not heard of one that had lost yet!! So that's good??

 

Won't be long now before Hubby gets his money back now!! Then I can start on my own accounts!! I used my son & hubby as dummy runs!! ha ha

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HALIFAX - wrote to court saying they'll defend apparently !!!

 

They then wrote to hubby saying they'll pay up cause it's more economical etc.. they state they were right to charge us etc...

 

Balance isn't in Bank so waiting for that to happen / clear etc.. before we tell court thay paid up etc..

 

But looks like he won?? :D

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It certainly does, Elizabeth - another great result & well done you! :O)

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Yep looks that way.WELL DONE there.regards Nigel. Now for the rest eh lolololol.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Balance was showing on the ATM this evening - will check for when it clears tomorrow - looks like we did it!!

 

Will notify courts of this as soon as balance clears - looks like HE WON!!!!

 

Thanks for your help and encouragement everyone!!

I can't wait to start moving on with my own stuff now!! :0)

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Congrates on your win - hope the other two go as smoothly. I am still waiting for statements from companies, seems to take ages but guess this is the longest period with not much happening, other deadlines are shorter!

 

Nikki

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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Congratulations. I have merged your threads so that everyone can see how you got your money back.

 

Could you please complete the survey if you haven't done so yet and also ask a Mod to update the details in the Litigation Section. I am sure a donation would be welcomed too to help towards the running costs of the site.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Caro,

Thanks for merging my threads for me!!

 

I shall go do survey and will grab hubbys wallet for a donation!! :0)

I can't thank you people enough for your help - I met so many lovely people here that made me realise I wasn't the only one being ripped off etc..

 

I shall be sticking around for a while as I am starting on my own stuff with Abbey soon and my sons HSBC is still lingering.

 

If I see anyone who needs help I shall try help out too - be kind of nice seeing others win too!! :D

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