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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 
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MBNA Credit card debt/ charges reclaim


mikesmotor
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nothing phishing trip

 

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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Can anybody help.

 

We are in the middle of a disputed debt with link financial. Our next step is to ask for a true copy of the aggreement. My question is, what is the fee we have to pay for these documents. I have information that says its £1.00, can anybody verify please.

 

Regards

 

Mike

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Hi All

 

As a result of a recently sent letter we have just received a copy of an application form for a credit card for a completely different financial organisation than the one claimed by Link financial. Any advice would be appreciated.

 

Regards

 

Mike

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Hi Alf

 

No this is a reply to a preliminary letter sent by registered post last Monday stating either 'put up or shut up'. Yes it does state correct name and address at the time of application but it is forn the Bank of Scotland and not the MBNA who it would appear is their client. Hope this is adequet.

 

Regards

 

Mike

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Hi Alf

 

This is in fact my wife's account and the application was made in 1998. Yes it would appear to have her signature but there is also other writing and scribling on it. I cant remember the outcome of this application.

 

Regards

 

Mike

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Hi Alf

 

We sent a formal reqqest letter for a copy of the credit aggreement with MBNA with the £1 postal order. We've just got back exactly the same Bank of Scotland application form as before with the statement that 'under section 77 and 78 of the Consumer Credit Act 2006 this document fulfills our obligation.' Any advice on what to do now any help woul;d be appreciated.

 

Regards

Mike

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It would appear that MBNA did take over the management and servicing of a lot of card brands from various issuers

So when you applied if could well have been originally Bank of Scotland

All these card brands are now managed by MBNA

 

Alliance & Leicester

Arsenal FC

Battersea Dogs & Cats Home

Blackburn Rovers FC

Breakthrough Breast Cancer

British Heart Foundation

BT

Celtic FC

Chelsea FC

Cheshire BS

Dunfermline BS

England Football

England Rugby

Liverpool FC

Manchester United FC

MBNA

Melton Mowbray BS

National Aids Trust

National Association of Head Teachers

National Trust

Newcastle United FC

NFU (National Farmers' Union)

PDSA (People's Dispensary for Sick Animals)

RAC Financial Services

Rangers FC

SonyCard

Southampton FC

Tottenham Hotspur FC

Unicef

Virgin Money

WWF (World Wildlife Fund)

 

and here is a list of of Lloyds banking group brands, which include Bank of Scotland.

 

AA Financial Services

Accucard

Air Miles

Amazon.co.uk

aqua Card (for adverse-credit borrowers)

Bank of Scotland

Birmingham Midshires

Britannia BS

Cancer Research UK

Cheltenham & Gloucester

Create Card

CWU (Communication Workers Union)

easyMoney

Halifax

Harley-Davidson

Intelligent Finance

Lloyds TSB

Marriott

NSPCC (National Society for the Prevention of Cruelty to Children)

NUT (National Union of Teachers)

Sainsbury's Bank

SAV Credit (for adverse-credit borrowers)

Scottish Widows

SSPCA (Scottish Society for Prevention of Cruelty to Animals)

TUC (Trades Union Congress)

Unison

West Ham United FC*

 

 

Does any of these brand names appear on the application form?

 

A point also to make is that just because it is an application form doesn't automatically render it unenforceable.

It would depend if all the required prescibed terms were contained within the document.

 

Can you scan it (minus personal details) and post it on here so we can advise on its enforceability

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Hi Alf

Yes Bank of Scotland is on the Llodys group however they're saying its a MBNA card. Further, we do have a card account that was transferred to MBNA and that is being serviced in the conventional way, we know nothing of this account.

 

Regards

Mike

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  • 2 weeks later...

Hi Alf

 

further to my recent posts we sent link the 'account in despute' letter 12+2 days after the first letter. They've now replied saying that the bank of Scotlant application form fulfills their obligations under the CCA and don't consider the account to be in despute. Any advice from you or anybody with any expertise would be gratefully received.

 

Regards

 

Mike

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  • 2 months later...
  • 2 months later...

I wonder if anybody can help. I have been paying off an MBNA credit card for some time now with a set ammount by direct debit. Despite frequent requests MBNA still refuse to send me a statement so I don't know what interest is outstanding or how the payments are affecting the balance. What is the legal standpoint on the production of regular statements.

 

Thanks in advance

 

Mike

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