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    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Failure to relicense vehicle, £80 FINE


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My freind, on the 22 September 2009 revieved via post an Enforcement Letter from DVLA stating that the vehicle, a RED VAUXHALL CORSA registration mark P6** **Y. did not have a valid vehicle excise licence or SORN in force form 01/07/2009 (the tax ran out on 30/06/2009).

 

The are demanding he pays a fine of £80.

 

Thing is, the vehicle was seized (and a seizure notice is in hand) on 07/06/2009 at 09:20hrs.

 

So, from 07/06/2009, did West Yorkshire Police (via the seizure) become the owners of the vehicle.

 

If so, are they liable for the £80 fine, as they failed to re-tax or declare SORN on the vehicle.

 

Can the NEW KEEPER part of the enforcement letter be filled out with the details of West Yorkshire Police.

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The owner is not necesarily the same person as the registered keeper. For example, if you buy a car on HP, the HP company is the owner but you are the registered keeper until it is fully paid.

 

The registered keeper is responible for taxing or SORN.

 

In this case you are still the registered keeper and thus responsible for SWORN/taxing the car and so they are correct in fining you AFAIK.

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No. You remain liable for the car (for tax and insurance) until you advise the DVLA that you are no longer the keeper - but siezing the car by the police does not lift hte obligation on you. If it was off road in a compund, then you should have filled in the SORN notice and waited to re-tax when you arranged to get it back. Similarly, if it was damaged, whilst the police might be liable, it would be your insurer who would make them pay up after fixing whatever had gone wrong.

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No. You remain liable for the car (for tax and insurance) until you advise the DVLA that you are no longer the keeper - but siezing the car by the police does not lift hte obligation on you. If it was off road in a compund, then you should have filled in the SORN notice and waited to re-tax when you arranged to get it back. Similarly, if it was damaged, whilst the police might be liable, it would be your insurer who would make them pay up after fixing whatever had gone wrong.

 

The owner is not necesarily the same person as the registered keeper. For example, if you buy a car on HP, the HP company is the owner but you are the registered keeper until it is fully paid.

 

The registered keeper is responible for taxing or SORN.

 

In this case you are still the registered keeper and thus responsible for SWORN/taxing the car and so they are correct in fining you AFAIK.

 

 

Thank you for your replies.

 

So, Ok my friend is liable, fair enough.

 

What now then,

 

Do I advise him to fill out the New keeper section of the Log book with West Yorkshire Polices details, as they are now the keeper of the wehicle.

 

Does he go into the police station and ask an employee of West Yorkshire Police to sign the New Keeper section of the logbook?

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No the are NOT the 'keeper' as defined under Law. Additionally, you would require the Chief Constable (or an Inspector) to sign the V5C to achnowledge this, and that isn't going to happen. You don't say what purpose the vehicle has been taken... invariably, (unless for forensic purposes) it is local garages or agents that store vehicles on behalf of the police, and they do this for free - as their storage charges will be met by the cars owner (or insurer) on collection.

 

The issue of who the keeper is needs to be ascertained - if the vehicle is unlikely to be returned, then a declaration of scrapping can be made - and give the police as the agent responsible for scrapping it. No signature required.

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