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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  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so 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 so slightly longer than the original tax set up so 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. So 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 so 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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Have a look through the OFT guidance on a CCA request here (direct PDF link).

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

 

It says that the creditor only needs to provide a statement of the account at that time. (Not a full balance sheet, which was also my expectation). They appear to comply with the guidance with what you have received.

 

However, is also says that the statement of account is legally binding. If it says £2,000 then they are legally bound by that. So you legally owe £2,000.

 

Keep that letter...

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Thanks Bandit ;)

 

I was a bit unsure..Yes Ill keep the letter ..to me that letter also states that they only want £2000..!! shall I keep quiet for a while..Or question them on the £2000 ??

What does your credit reference file say about it?

 

They are legally obliged to post accurate data on that so it should be reliable.

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Im with Noodle ..halifax has gone ..1st Credit not showing ..Noodle was updated the end of september..1st Credit aquired the debt end of July..When i first had a letter from them they were asking for the 16K plus ,,after quering it its now only the arrears,,I think maybe the SOA they sent were from 2006/2008 from when the default accured ..and also because the account goes back to 2001 the rest may of been destroyed has they only keep for 6 years

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  • 2 weeks later...
  • 1 month later...

no

 

though i would never believe a DCA anyway

 

your CRA file will tell you the TRUE figure

 

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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then sar the OC

 

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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account history from the OC.

 

get that SAR off.

 

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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I thought the statement of account is supposed to be legally binding.

 

My only reference for this is the OFT guidance on CCA 1974. See S. 3.4. (Advice that needs a better understanding of the CCA 1974 than I have).

 

It does say at the end that relief for an incorrect statement can be granted by a court...

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DNs are not routinely stored as hard copies, a note is made in records that a DN was sent for a default sum on a certain date.

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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  • 8 months later...

UPDATE

 

Have been playing Letter Tennis for a year with 1STcrud..when ever I question the so called CCA which is infact a App form with Tand Cs on the back with no reference of them being on the back..they keep ignoring my questions and keep resending the same Loo Roll ..do I just ignore their letters from now on ? and if I do get a summons then Fight it..they have said that Hali sent me a COPY APP if I want a CCA I have to follow Hali Proceedure..I did than in 2008 ..they are contridicting themselves ..Just ignore ?

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Long story short

 

1st cred brought Hali CC debt last july .

 

.Been round the clock since 2008

 

..been letter pin pong for a year now..

 

They keep sending the same docs application form,

 

,Told them it aint good enough.

 

.ignored their last letter has they have ignored all my questions and quiries.

 

..Last letter from 1st cred said they are disappointed I haven't got back to them

 

..account on hold for 14 days .

 

.then they going to consider their options.

 

.do I send 1 last letter

 

..Or do I just ignore and see if they issues a summons ?

 

cheers guys

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Ist Credit are very likely to issue a County Court Claim, how much is owed, when was the last payment or written acknowledgment made on the account?

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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1st Credit are fond of issuing statutory demands for payment on any debt over £750.0.

 

How much of this is charges, is there PPI on this account.

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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