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    • 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
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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  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 
    • 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.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The Funding Corporation....URGENT HELP NEEDED


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Hi all, wonder if anyone could please help me.

I have a bos with TFC, for a car that I had off them some 2 years + ago, I still have the car, and have been paying them every month an outragous amount of money, and had not missed a payment till a few months ago, to which they simply added on to the end of the agreement. However now due to unforseen financial problems, I am no longer in position to keep up these payments on my car, so have missed last month's payment, to which I have been unendated with calls, texts, and letters. I have on several occasions spoken to TFC, and advised them that I can not afford to make these payments, as I have the option of paying them, or feeding my 4 children for the month.

I offered them a sensible offer of payment and asked if they cpould reduce the payments and extend the agreement, so we could manage, but they declined, eventually after receiving a default notice from them, and having asked them 5 times to reduce payments, they agreed to send out a financial statement for me to fill in and send back, showing my incomings, and outgoings. This was faxed back to them with a offer for half of the amount I am currently paying.

When they called again , they made out firstly that they had not received the fax, then they were informed by us that we are not stupid enough to send a fax, and not retain a receipt for it showing the date and time it was sent/received. Miraculously it appeared on the guys desk, to which he began to question our outgoings, eventually the amount was agreed, and we were told to await a call for our card details, Monday arrived and still no call, so we called them, only to be told they had declined the offer. We have since discovered that we could possibly have a void BOS, due to the fact that there is no signiture on it for TFC, or date, no agreement number, and the witness that signed was actually the sales rep, however he has signed in a different name but there was myself, my hubby, and my dad present when this happened........Ideally we would like to keep our car, as we have paid over the cash price for it already, but TFC are saying we still owe just over £16,000. Also we were made to purchase the ppi, which has bumped up the costs involved, we have been told to find out if there is any finance attached to vehicle, and if not to sell it fast....we just dont know what to do, and are getting extremly worried that they will come and repossess the car.

someone please help...may thanks, sorry thread is bit long..

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Hi thanks for your reply.

Yes we still have our copy of agreement, but it seems to be an illegal copy as it has certain things missing from it.

Bearing in mind that they have rejected our offer of monthly payments,

What rights do we now have?

What advice would you suggest as next steps?

Are TFC encompassed under the same revokation of license as LBL?

thanks for your time.

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Hi postggj.

 

Thanks for your reply. I have followed your instruction and registered with photobucket, but can't see how to "upload link for message boards without thumbnails".

Where is this option and how do i do it please?

 

It may be staring me in the face, but I can't see the woods for the trees lol.

 

Thankyou

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  • 2 weeks later...
have you paid 1/3 of the total?

 

So about £9000?

 

Jogs

 

Balance outstanding = 16312.85

 

Just over 11000 paid to them.....not sure how much is actually paid against the car alone though?

My guess is that majority share is PPI cr@p etc?

Edited by enragedbos
further question
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Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

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Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

 

 

Hi enragedbos

 

Don't give them the car, if you surrender that car they will sell it on the cheap. I've had a look at the paperwork quickly, you have paid more than a 1/3, so they have to take you to court to repo the car.

 

Did the repo guy give you a card? If they do return ask to see HIS baliff warrant. If he is repo without one he breaking the law.

 

trooper68

Trooper68:)

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bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

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bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

 

Hi and thanks for reply...

 

...but where did you get this advice from?

....how would I be able to recover the monies you say they would have to repay me?

....what time span am I looking at?

....Am conscious of digging ourselves into a deeper hole here....:confused:

 

Trooper says "don't give it"....you say "do"????

Which way please?

Edited by enragedbos
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Hi again.

 

Have read this link.......wow..:eek::confused::eek:

even more confused now.....

 

Trying to move on with our own issue, but at the same time, trying to link in any similarities from other links....bamboozled....am now blinded by words..:grin:

 

Without any lack of respect to anyone willing to help us...(we really do think you guys are a godsend, and all help thus far has been amazing door-opener :-))....please can we work at a pace where my aching brain is able to understand and take in any advice you may have for us?

Edited by enragedbos
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evening al

 

thought you would like it

 

ha ha....my god!!!!

 

Made very interesting reading and can see why you would put link in thread ;-)

 

What would you advise us do then please mate?

 

Really appreciate your thoughts here mate.

Edited by enragedbos
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Bump

Hi all, thanks for all your advice, you have all been great.

 

I have more news.......i finally received my copy of BOS from TFC....I have checked through it and have seen that although it is court stamped, and therefore registered, the court stamp date is actually 17 days after we purchased car, making it 10 days after the 7 day required period.......Is this right for registering the BOS and having it stamprd at court?

Also the agreement number on every sheet has been hand written on the top of the pages, almost like it has been recently added, as they have sent a photo copy of the BOS to us, is this legal? or does it have be typed in like the rest of the document?

 

Many thanks

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Well The Agreement Is Not Secured By A Bill Of Sale

 

Have I Seen Your Agreement

 

Do You Still Have The Car

 

Hi postggj...how are you?

 

My wife started this thread off, and the posts are hers....I have scanned and stored all copies of agreement on photobucket as you requested in an earlier post within this thread.Link below...

 

 

As yet, the BOS has not been posted as I have only just got in from work, it will be up in due course.

 

BOS is actually 12 days from agreement date...not, as stated, 17.

 

Yes, we still have the car...although it is hidden at the moment.

"Collector" has been round twice now for money or car - no ID - no paperwork at all, other than a black & white letterheaded letter from TFC.

 

He became very uneasy when I demanded to know who he worked for...was he a bailiff....can I see his ID....he disappeared very quickly!!!

 

...input please??

 

Thankyou in advance..:)

Edited by enragedbos
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