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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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Request for assistance with calculations for complicated Lloyds PPI Reclaim ** SUCCESS **


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Thanks

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hey great news

 

well done

 

publish that numbner by the way!!

 

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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Thanks guys! :) Ah yes - the phone numbers. They are:

 

Claims Line:

0845 601 2683

option 3

I didn't use this number in the end - I did the claim itself via the post but someone might find it useful.

 

 

Information Line:

0800 092 2290

Option 3

This is the one to use. As I mentioned before, they're a really helpful, friendly bunch of people. It's a freephone number and I only every spent around 3 minutes maximum on hold before getting through to a human. They were happy to answer all of my questions and to provide detailed breakdown of figures which were surprising in their complexity and frankness:

 

- The amount of money I borrowed

- When and where I took out the loan

- How many months I borrowed the money for

- The interest rate applied to the loan

- The amount of interest that the loan amount attracted

- The cost of the PPI

- The interest applied to the PPI

- The dates on which each of my DD payments were made

- The total cost of the DD payment each month

- The amount of the DD each month that was to pay off the loan and how much was to pay off the PPI

- How many DD payments were made before the loan was closed

- What the settlement figure was at the point I paid off the loan

- What proportion of the settlement figure was for PPI

 

They then sent me all of the above in paper format with a full statement showing each DD and how that ate away at the loan capital, etc.

 

The only slightly confusing thing is that initially I thought I only had ONE loan. On calling the helpline they identified that I had had FOUR of them. But the settlement was for 5 loans so I'm not sure why the helpline guys and gals were unable to uncover that one but the claims folks were. Not that I mind, of course!

I'm happy to post my covering letter too if it helps anyone? I was never sure (even now) how much bearing on their decision my covering letter had.

 

To recap, my situation was that I'd bought PPI knowingly but just hadn't really fathomed how much it would end up costing me (despite signing paperwork that seems to make it clear). When I answered the FOS questionnaire's 'why do you now think the PPI was missold?' question, my answer felt like a very weak reason to me and I fully expected them to say "you didn't read the paperwork correctly to realise how much you'd pay for it in the end? How is that our fault?!" But they didn't.

 

Thanks!

Andy

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  • 9 months later...

Hi all!

 

Sorry to bring up an old thread but this is quite similar to mine.

 

Where there had been a rebate, on the spreadsheet you list the monthly payments and it works out the simple interest.

 

The last entry being the ppi % amount from the settlement figure, so where there has been a rebate do I then deduct the rebate from the settlement figure, so add a less amount on the spreadsheet?

 

Cheers

 

E!

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Hi all!

 

Sorry to bring up an old thread but this is quite similar to mine.

 

Where there had been a rebate, on the spreadsheet you list the monthly payments and it works out the simple interest.

 

The last entry being the ppi % amount from the settlement figure, so where there has been a rebate do I then deduct the rebate from the settlement figure, so add a less amount on the spreadsheet?

 

Cheers

 

E!

 

Work out what the proportion of the settlement figure is PPI prior to the rebate being applied. The deduct the rebate from that PPI proportion and enter the resultant figure in the spreadsheet.

.

 

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don't forget to blank the resultant minus figure in the int col

 

I usually enter the PPI % of any rebate as a minus figure and blank the 8% column

 

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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Cheers dx ill look when I get home.

 

It was a bit deflating to be honest finding some bits had been refunded, although I guess if it shouldnt have been sold and paid for in the first place its still worth claiming back!

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  • 6 months later...

Goodness, that was some maths!

 

So the bank worked out the refund for the loan that you didn't know about

- would they have worked out the refund for the rest of your loans?

 

This would have saved some manpower this end, and quite some internet paper!

 

Also, did you double check the sum they gave you for the forgotten loan?

 

Should we all do this level of calculating?

 

Is it because the banks will dodge what they can?

 

A lot of people have received more than they were expecting, which kind of makes all this calculating redundant!

 

I've been browsing for a couple of hours, and I am beside myself with joy

- I've had mortgages on 4 properties since the 90s, I may be able to retire!

 

One final question,

do I tackle car insurance and home insurance?

 

Many thanks, and watch this space,

 

Nick

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better to start a new thread

 

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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