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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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mad dog v natwest


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After being charged £38 for the return of a £10 d/d which put me £3 o/drawn, and getting the usual "sorry can't help you", on the phone. Have decided to take the plunge and try to get all my charges back from nat west. I have prepared the prelim letter, but even after reading through as much of the site as i could over the last week or so, i still have a question, When sending the list of charges with the prelim letter do i need to use the spreadsheet or can i just list date, reason, amount? Sorry this is so long winded and apologies if this seems a simple question. any advice most welcome

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Guest ian cognito

It is wise to use the spreadsheet as this also works out the interest for you for the later stages when you go to court, as you probably will have to. When you send the spreadsheet into the bank, you can 'hide' (or take a copy and delete) the two last columns that show the interest then you will still have them when you need them.

 

If you need any help with the spreadsheet, please shout!

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At last got started prelim letter sent 17/10 (recorded delivery) suppose its just a case of waiting for the "no chance" letter now.

 

You never know sometimes they pay up at this stage, the process can sometimes be long but it is worth it in the end.:D

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Hope someone can help me. I recieved the no chance letter from natwest today, (only took a week) which surprised and worried me a bit in it they mention that my account is a "step account" with no facility for an overdraught does this affect my case? The other question is as i am not overly familiar with computers how do i find the start of my thread instead of having to search through pages of messages? Thanks for any help or advice

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  • 3 weeks later...

Sent lba on 06/11, but when i just looked at my saved copy realised i had dated it wrong so will resend tommorrow hope it doesn't confuse those nice people at natwest people.My own fault guess i shouldn't try writing important letters in the middle of the night. I will keep updating this just to keep an eye on the timescale, and to keep me on the right track.

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Reference the above post, can any one advise me as to wether i should wait for the 14 days from the original letter to see if they reply, or send the amended one, as i don't want to give them a reason to throw my claim out of court if it gets that far.

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Guest ian cognito

I doubt your case would get thrown out of court because you wrongly dated a letter, if it was the case of an incorrect date on a contract that had direct implications on its conditions then it could be important but we are all human and allowed to make mistakes, even the banks do that. Correct the mistake if it will make you feel better but it doesn't have to be done as part of your 'timetable' or the processes suggested on this site.

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Recieved letter offering half of what i'm claiming yesterday, so today will send the "thanks but no thanks" letter and see what happens. Although the letter was signed for s. higley it came from borehamwood. Am i right in assuming that the reply should be sent to borehamwood, or should i keep everything going to bishopsgate. I realise that this has probably cropped up before but i have read so much my head is spinning.

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Its best to send all correspondance to bishopsgate (registered office) until told otherwise!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 4 weeks later...

as i have been busy with one thing or another am only just getting round to sending off the mcol paperwork i will try and keep updating the progress of my claim. I dont know if its because i'm claiming against them but natwest have paid a d/d which made me overdrawn without charging me, although a couple of months ago they would have bounced it and charged me, is this a ploy to make me feel guilty and stop my claim.

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be careful mad dog I think you will find an additional £30 referral fee next month to claim back if it took the account over your overdraft by £26 or more, unless its a STEP account.

I came I saw I helped. I could do no more.

 

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had a 38 pound charge for going over drawn 22 pence. i have a step account, and im claiming back 2500 and i will start another claim against them if they dont refund all the charges from the date of the claim too

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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With the referral charge, it is not charged on a step account so if the DD/SO/Cheque is paid then no other charges would be levied as it would on a current account, ie Unarranged Borrowing Fee, or Referral fee as the step account is exempt from this charge. Only charge that is not exempt is returning an item upaid which as the above two posters have said is £38

I came I saw I helped. I could do no more.

 

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