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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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      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.

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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.
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      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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Craigc2115
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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

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yep that has happened several times here

 

look for posts by

 

postggj

using our advanced search

 

yours do look as though this is the case.

 

you are in for a windfall

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

 

I cant read them the text is too small, try uploading the images to photobucket and paste the (without thumbnails) code into a message here.

 

Ooo sounds promising!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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it took me all day to get them on to pdf's as im useless with computers :oops: so i will try and put them in a better case so they are better to view when i get home from work 2moz.thank you all for ur advise so far,i really wish i had come to you guys sooner.very gratefull..:D

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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

I honestly never thought I'd hear myself say this but I actually agree with welcome!! :lol:

hahahahahahahahahahahahahaha :lol: that agreement is the biggest pile of crap I've ever seen!!!

Total cash price for goods - £0

Total amount of credit - £0

Finance charge for goods - £6413.69

Acceptance fee - £195

Total amount payable - £6608.69

 

Now I've got quite a few decent qualifications in maths and accountancy but I can honestly tell you that I didn't need to call upon any of those to work out that 12.93% APR of £0 does NOT equal £6413.69!!!

 

I know it's hard to believe but it actually gets WORSE on page 2!

After you have paid more than a third of the total amount payable they need a court order to repossess. Apparently a third of £6608.69 equates to £5192.04!

 

If you had continued to pay £129 for 10 years you would've paid £15,576 on an agreement that says the total amount payable is £6608.69.

 

PLEASE GOD DO NOT SIGN ANYTHING ELSE!!!!

Edited by wannabedebtfreesoon
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If I were in your situation I would immediately be writing a letter before action requesting release from all further liability, return of all your payments plus interest and title of the car transferred to you or you will be suing them for Unfair Relationship.

 

Just my opinion.... :p

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I honestly never thought I'd hear myself say this but I actually agree with welcome!! :lol:

hahahahahahahahahahahahahaha :lol: that agreement is the biggest pile of crap I've ever seen!!!

Total cash price for goods - £0

Total amount of credit - £0

Finance charge for goods - £6413.69

Acceptance fee - £195

Total amount payable - £6608.69

 

Now I've got quite a few decent qualifications in maths and accountancy but I can honestly tell you that I didn't need to call upon any of those to work out that 12.93% APR of £0 does NOT equal £6413.69!!!

 

I know it's hard to believe but it actually gets WORSE on page 2!

After you have paid more than a third of the total amount payable they need a court order to repossess. Apparently a third of £6608.69 equates to £5192.04!

 

If you had continued to pay £129 for 10 years you would've paid £15,576 on an agreement that says the total amount payable is £6608.69.

 

PLEASE GOD DO NOT SIGN ANYTHING ELSE!!!!

 

I still cant view the documents properly but I agree with this information given the figures used by wannabe!! :x

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I still cant view the documents properly but I agree with this information given the figures used by wannabe!! :x

 

It's comical really! lol-045.gif

Try clicking on the PDFs below then you can zoom in on them and rotate with Acrobat ;-)

 

Post #24

Edited by wannabedebtfreesoon
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  • 10 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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