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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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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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They knocked on my door


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:eek:Hi

Can HFC/Benificial do this and without warning? I wish i was there to tell them were to go, but i thought it was against the law to come to our address. Is there anything i can do to provent this happening again.. they have left a note to say to call them. Im not calling i have sent them loads of letters to say im not paying as they dont have a valid CCA.

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  • 1 month later...

Hi

 

I have an update, I sent that letter and thought they got the hint but then on Monday i got a letter to say that they are sorry that i am in financial difficulty clearly ignoring the fact they have not got a CCA and said they would be making a house call in the next 14 days.. I sent another letter yesterday which they wont receive until tomorrow at the earliest but guess what.. they turned up this afternoon, no one was in so they posted another hand written letter.

 

What can i do about this i cant believe they have ignored my letter to tell them they are not invited.

 

Hopefully someone can give me some advice on this

Thanks

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report the matter to the police as harrassment and intent to cause harm also let hfc know by e mail that the matter has been reported to the police showing them the crime scene number if you do report it as this is harrassment

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they have to take it seriously especially if you have a sicknes o a mentel health problem you could be suicidal for all the police know but you must insist on a crime scene number stress you have informed this cmpany repeatedly and they are ignoring your pleas that all contact must be in writing also send a complaint to fsa and also send a serious complaint back to consumer direct that your feel their advice was wrong and innapropiate and you now require their internal complaints dept...as you are being denied your legal rights to information also send a complaint to the information commissioner that the compny hfc ? are refusing to comply with your CCA request..

patrickq1

as for the police if you get shortcanged by them demeand to speak with a senior officer and also ask for there complaint procedures this will spur them into action as they know complaints do not look good to there bosses higher up it makes them look like they aint doing what the ratepayers pay them to do UPHOLD THE LAW and if you are being harrassed by a det collecter despite repeated request to cease calling on your doorstepp then this is a CRIME

patrickq1

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Did you send any of your letters by recorded delivery? if not they will simply ignore them and say they didn't get them.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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patrickq1 - thanks for all your advice at least i have some options they really do stress me out and this is why they are doing it, by turning up they think i will call them.

 

Ell-enn - I have all my receipts from the recorded deliveries and in fact I have sent copies of all my letters and copies of the receipts to HFC to let them know im on the ball and they cant say they have not heard from me, as this is why they are giving me a door step call because they have not had any response from me, so i sent about 7 letters and 7 reciepts.

 

Thanks

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