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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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Metropolitan / HSBC Debt - Full & Final settlement offered, they've asked for increased offer


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Hello again - this is a similar situation to my previous post...I have made a full & final offer to repay approx £1600 to Metropolitan for a default HSBC card debt. The default will 'fall-off' early next year. I have been paying £55 per month. My circumstances have changed and I can no longer afford this so I have offered a reduced payment of £5 per month - or £600 as a Full and final settlement. I used the templates from CAG and advised this will only be paid if my file is marked as settled etc... ...this is their reply... can you guide me on what to do next? I am getting help from family and they may give me a little bit more but not a lot. Should I increase or stick to my guns?LetterfromMCSaskingforincreasedsettlementoffer.jpg

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tell us about the debt

 

dx

  • Confused 1

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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Hi perhaps a rephrased offer along the lines of ''if this offer is unacceptable monthly payments will be drastically reduced or completely stopped.''

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The debt is a credit card default from a few years ago after I was made redundant. The default is from December 2006 and so will drop off my record this December. The original debt was almost £5000 but I have reclaimed unfair charges (not PPI as I didn't have it on this account). I have since paid £55 per month and the debt is now approx. £1600.I'm happy to repay my debts and recognise my responsibilities - the help and support I have had from this site (and others) has been a genuine source of inspiration.

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IMHO, you should simply respond by advising that the original offer is not negotiable. Your offer was the maximum you can afford.

 

They either accept the £600.00 full and final and confirm that they wont pass on any balance or attempt to collect further themselves or they accept the £5.00 per month

 

Perhaps point out that the offer is open for say 14 days, when it will be offered to the next in line on your creditor list.

  • Confused 2

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

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  • 4 weeks later...

Hello again - so I wrote and offered them a slightly higher (£650) settlement stating this was the maximum I can raise. Now they have replied with this asking for a full income and expenditure breakdown etc.I just want to pay them the settlement OR set up a reduced monthly payment... can you help & advise?many thanksTJLetter%20from%20MCS%20060912_zps240f7832.jpg

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They have no right to demand this information. However, I imagine they are unlikely to accept an offer without it.

 

IMHO, they are looking to see if you have paid off other creditors and how much they would be able to deprive you of by way of Instalments if they were not to accept the F&F.

 

Have you made offers to other creditors and have they accepted.

 

If you were to contact them with an I&E, you should not under any circumstances name your other creditors - simply put something like.. Creditor 1 - credit card, Creditor 2, unsecured loan, creditor 3 catalogue, etc.

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

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I would simply write back and state the last offer was my final offer, if this is unacceptable then I now propose to pay you £1 a month due to my circumstances being such that the original payment of £55 a month is unsustainable

 

Take it or leave it

 

Regards

 

xxxxx

 

At the end of the day these parasites are only employees of the orignal creditor and have no real power over you

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what about sending a CCA to these jokers?

if they cant provide one, all you've got to do is wait for it to drop off

 

and you've saved £1600!

 

time to attack me thinks.

 

i'd pers never pay an F&F first without checking they are LEGALLY entitlted to the money.

 

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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The debt is a credit card default from a few years ago after I was made redundant. The default is from December 2006 and so will drop off my record this December. The original debt was almost £5000 but I have reclaimed unfair charges (not PPI as I didn't have it on this account). I have since paid £55 per month and the debt is now approx. £1600.I'm happy to repay my debts and recognise my responsibilities - the help and support I have had from this site (and others) has been a genuine source of inspiration.

 

Have you still got the original Default Notice issued by HSBC?

 

I had an HSBC credit card upon which they issued a DN to me on 19th Dec 2006 but which was defective due to not allowing the requisite 14 clear days (AFAIR that was the very day that the change from 7 days to 14 days became effective), thereby shooting themselves in the foot.

 

I wouldn't mind betting yours was also defective, which if it was, and you didn't remedy the default situation at the time, would preclude HSBC from successful court action. This could give you some extra leverage :wink:

 

Rob

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Thanks for your replies - I did an SAR some time ago and had a load of stuff sent through so I'll dig that out and take a look. In the meantime I've written back saying my offer is final and time limited. Hopefully they will take it or I pay a reduced monthly amount. the default will fall off my credit file in December anyway.

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  • 3 weeks later...

Afternoon all - further to the above string, I have recently been getting numerous calls from DG Solicitors but tell them every timeI will only communicate in writing. The finally caved in and sent this...FromDG021012.jpg...I am about to write back to advise I am not obliged to provide an income/expediture breakdown. As they have not provided an answer to my offer of settlement yet I will provide them a further two weeks to respond. Failure to respond will result in me setting up a standing order for £5 per month.Is this the correct approach?

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Usual HSBC trash, look their Default notices are faulty on most occassions from years ago, you must send CCA request to HSBC via Metro, they move to the next desk to the so Called D,G, non solicitors at the 1st sign of problems like yours for Northampton trail as they do not have to submit a CCA for that route, without haste,. send CCA request immediatly marking on the back of a Postal Order to CCA use only, play around with them at your own peril, so be warned!!

:mad2::-x:jaw::sad:
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I have the CCA

- I requested this a long time ago and am satisfied the debt is payable.

 

I have no intention on swerving it.

 

My issue now is that I offered a full and final settlement of £600 against a balance of £1600

or I would reduce my monthly payments from £55 to £5 per month due to a change of circumstances.

 

They replied declining the offer and asking for an increased settlement offer.

 

I increased this to £650 and now they are playing letter tennis with me asking for an income/expenditure breakdown before they will accept the reduced payment.

 

They have not yet given me a response to my increased settlement offer.

 

I've now written again giving them 14 days to respond either accepting the full & final offer or giving me account details to set up a S/O for a fiver a month.

 

It falls off my record in February anyway..

 

. you would think they would take the hint!

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Write statingb the following to their Compliance Manager.

Ref:xxxxxxxxxxxxx

 

Dear Sir or Madam,

 

Further to my most generous off of £xxx in Full & Final Settlement of this matter, your demand for an income and ependiture report is denied.

 

The Offer made is one I have seriously considered and believe reasonable, I am generously allowing you a further 7 days to consider my offer after which should you reject this offer I will revert to a payment of £5.00 per calendar month.

 

This Offer is dependant on the following conditions:

1. All adverse data is to be removed from all credit reference files.

2.The remaining balance must not be sold or assigned to any 3rd. party at any time in the future.

3. Your unequivical acceptance of this offer must be received by me within 7 days of the date of this letter and must be in writting.

 

This letter is sent by Royal Mail Recorded Delivery and receipt will be checked, I would suggest your response should be made in the same manner.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

reduced balance - ignore them

 

its either all penalty charges

or

ppi

or there is no enforceable paperwork

 

end of debt

 

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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Share on other sites

Surely they are not permitted to encourage to raise funds from "other sources" ?

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

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Surely they are not permitted to encourage to raise funds from "other sources" ?

 

No OFT guidance section 3.7(b) pressuring debtors to raise funds by selling property of taking in further borrowing ( including extending existing borrowing)

Psychological or physical harassment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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