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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
    • 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 
    • 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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      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.

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Cap1 & CCA return


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I am searching too - do you know either of their names?

 

His is Basil Rankine .......I think

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Spotted this-

 

 

 

They want 20% of your debt upfront as a "service charge":(

 

This is the same couple who asked friends to help them out in 2001 for their wedding reception. PAY PER PEW | Sunday Mirror | Find Articles at BNET.com

 

Some further info found on this couple below in the first reponse.Time To End Unfair Bank Charges

 

Can't find anything else specific to the case though.

progress.gif

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and amanda boyer

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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We have that under control, someone local to them is going to go and see them. Will let you know how he gets on.

 

Good idea, someone put this contact on the other thread

 

Rugeley Citizens Advice Bureau

7 Brook Square

Tel: 01889 577042

Fax: 01889 586126

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It seems to me that the c/c companies have dropprd a real clanger! Was it they issued cards ,only having recieved signed Application forms in many cases ? The changes in the act (2005-2006) corrected this oversight ? This is going to cost them big time !

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They say they are IFA's but they are not on the FSA register, Amanda shows as an ex director of a mortgage company but her old registration is CF8 and to be an authorised adviser it needs to CF21 or now is CF30, so thats a lie..

 

I think the website says it all....tacky and cheep

Live Life-Debt Free

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You are quite correct stapeley

 

Whilst it would seem convenient I do hope anyone on here will use the support available and not take the "20% fee" option

 

This can be achieved on your own, just need to be able to stay this distance, the same as when we were putting through the bank charge claims

 

All the support needed is available here, but obviously this case will help future claims

 

Their statement on the website that they were the first is a little hard to swallow though, I beleive Penelope Wilson would disagree!

 

Quite surprised the banks actually took them all the way to court - very interested to see the court papers when we get hold of them

 

Must have been a very minute part of the act (and looking at their example of the UPPERCASE and lowercase text, seems likely)

 

I also think if they plan that as a business model it is very badly flawed - if someone is going against the CCP for a £1k balance they get £200

 

For the amount of time and effort involved it wouldnt work out

 

Yes, they may be doing it out of the goodness of their hearts but sooner or latter they will be swamped and will need to hire staff, this would be impossible for the amount above

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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It seems to me that the c/c companies have dropprd a real clanger! Was it they issued cards ,only having recieved signed Application forms in many cases ? The changes in the act (2005-2006) corrected this oversight ? This is going to cost them big time !

 

That's how it looks to me - bizarre that the Law from 1974-2006 has been flouted completely! It's now up to us to spread the message...

 

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"We fully guarantee our partners service and any money paid to them is refundable if they are unable to cancel your agreement for any reason."

Let's hope they are willing to stay the distance and not jump ship, this would lead to less informed people being dragged further into the mire.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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HI

I would be interested to see any cases where the above has been effective in getting a record removed this is to help with an ongoing case.

 

Many thanks

 

Peter

 

PM Sparkie over the road.

 

Regards Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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That's how it looks to me - bizarre that the Law from 1974-2006 has been flouted completely! It's now up to us to spread the message...

 

 

ULTRA SHORT APPLICATION CERTIFICATE.

 

 

 

 

 

this is a consumer credit agreement.

 

Could this be the clanger?.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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ULTRA SHORT APPLICATION CERTIFICATE.

 

 

 

 

 

this is a consumer credit agreement.

 

Could this be the clanger?.

 

Do you mean anything like this one.........

 

Notice anything missing ??

 

creditors name

any terms?

any conditions?

anything ?

 

mon1.jpg

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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OK, they have replied to my email:

 

Dear Ian

 

Thank you for your email.

 

Basil and Amanda are the leading specialists outside of the banks and their solicitors, who know the full legal reasons why credit card agreements are improperly executed and most are unenforceable and can be legally written-off. We have the only judgment in relation to credit card agreement enforceability, as no others are available in public accessible resources. The exact detail of the judgment is our most closely guarded secret and has not been published by the Royal Courts of Justice. The bank in question is not going to make the judgment public for obvious reasons.

We hope that this answers your question.

Regards

Basil & Amanda

Looking dodgier by the minute...they have a secret judgement? Yeah, OK.

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OK, they have replied to my email:

 

Dear Ian

 

Thank you for your email.

 

Basil and Amanda are the leading specialists outside of the banks and their solicitors, who know the full legal reasons why credit card agreements are improperly executed and most are unenforceable and can be legally written-off. We have the only judgment in relation to credit card agreement enforceability, as no others are available in public accessible resources. The exact detail of the judgment is our most closely guarded secret and has not been published by the Royal Courts of Justice. The bank in question is not going to make the judgment public for obvious reasons.

We hope that this answers your question.

Regards

Basil & Amanda

Looking dodgier by the minute...they have a secret judgement? Yeah, OK.

 

 

Looks like they are pushing it for every penny they can get........

 

obvious "losers", but unfortunately they may get the less well advised people along, and end up making a small forune.

 

20%.....UP FRONT !!! you got to be joking, in my case that would be in the region of £2k.....where would anyone in debt get that sort of money?? Answer....borrow some more at a stupid rate. grrrrrrrrr

 

they are as bad as the banks..................muppets

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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20% upfront- yes.

 

However, in the likelyhood of a debt being written off, the borrower would be able to make a claim for damages caused by:

 

a) Harassment by creditors/DCAs

 

and

 

b) Unlawful processing of data by creditors to DCAs and CRAs.

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Why would you pay for advice you can get for free from CAG?

 

;)

 

I can imagine posts being made on such forums to "ask for advice" - I wouldn't be happy helping someone that is charging someone else for advice I'VE given them...

 

Maybe I'll start my own website "Credit Card Killer, Killer"!

 

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