Jump to content


  • Tweets

  • Posts

    • 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 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Norwich & Peterborough reopened my closed account 3 TIMES - HELP


tiger66uk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4450 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I closed my N&P account back in sept 2010, after i closed it they reopened it to pay a direct debit that was missed, i paid the fees they put onto the account and requested it closed, this happened again 6 weeks later but that DD was paid from my new account and the one N&P reopened, again i argued but payed the fees, i received the balance of £1.09p in cheque form from them and a closure of account letter.

 

They then reopened my account for an unauthorised payment from a company that i had contacted back in september and ceased to be a member of, i contacted N&P again and told them it was unauthorised and they said they would initiate a reclaim and sent me the forms.

 

i didnt use the forms but contacted the membership of the company that had taken the money and explained everything and they didnt hesitate to refund the money and apologise.

 

N&P left the account open and put charges on the account, despite me phoning them from home and in branch, i also tried to sort this out with branch staff, they continued to put charges on my account, bearing in mind i had already closed this twice.

 

yhey eventually closed the account in march 2011 and put defaults on my credit references which i have recently found out about.

this has stopped me remortgaging and left me with a redicliously high interest rate on my mortgage.

 

I recently sent a sar and request under section 10 to stop them putting the defaults on my CR's but they refused stating that they have a right for 6 years to continue.

 

I dont know what else to do apart from initiate court action for failing to comply with a section 10 request that is causing hardship for something that was not my fault.

 

can anyone please help with this.

Edited by citizenB
spacing for easier reading
Link to post
Share on other sites

You might want to have a read of the BCOBs articles that are highlighted in green and linked in my signature.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

You might want to have a read of the BCOBs articles that are highlighted in green and linked in my signature.

 

Thanks citizen I have looked at the bcobs articles that you mention but I think I took in so much information that I have confused myself which is why I am asking for help.

Link to post
Share on other sites

i had a reply from them for a S10 data protection request i sent them:

it basically tells me i signed to open the account and they can process what they like for 6 years.

 

They have to process data accurately and as necessary.

 

 

You might want to take this up with the Information Commissioner.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 weeks later...

i replied to their solicitor letter reminding them of their obligations.

a week later i received a few screen prints and a copy of the bank statements, no letters that i know they sent (as i have copies but they dont know that).

 

As far as i can see they are still putting defaults on my file despite the printouts stating 'the customer has complained about the charges' the customer is not happy with the charges' and another screenshot acknowledges my call complaining and even states that the operative was going to speak to the underwritters.

 

funny enough, absolutely no action from them and all because they put less than a hundred quid in charges on a closed account. i feel so gutted that they have not solved this yet but i refuse to pay on principle.

Link to post
Share on other sites

Had a look at the 3 cra's and n and p have stated settled on one but not the others. I have not settled neither have they told me anything in writing.

I did receive a letter from them this morning, I quote:

I have provided you with all information held electronically or in a relevant filing system. Manual files which are not held in a relevant filing system are not disclosable under the data protection act.

I can find no record of any legal action between us.

The five notes (screen shots) represent the only records of such call held on our computer system.

I am therefore satisfied that the society has responded properly to your sar request.

Unquote.

 

Ok, so why is there no dn with the sar paperwork?

No follow up paperwork to my compliant from a year ago.

No copies of letters or warnings sent to me.

 

I could do with some help with my response letter.

Link to post
Share on other sites

Checked all 3 agencies today and default has been removed from all 3.

Great result just so annoying we have to remind them of their duties to get this achieved when it shouldn't happen in the first place.

 

Funny thing is n and p have not informed me of this action to date.

 

A big thank you to all who helped with this.

Link to post
Share on other sites

I received a rather lengthy letter from N&P today. It gives a rough picture of the goings on of the account closures and opening siting visa payments being 'guaranteed' etc even on closed accounts.

they have been very careful not to actually admit any wrong doing at all despite placing a closed account as defaulted for £86.78 when that said account was closed with a clear balance and this sum was 100% charges to the account.

from advice sought here, that in itself is actually illegal is it not?

 

I know i have the resault i wanted but i am payned by the grief they have caused me and the expense of letters, time and sar request costs etc.

Can I claim any of this back from them? I know they have not admitted any wrong in the letters but if placing an account as defaulted when its all charges then surely they can be made to pay some compensation???????

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...