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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?
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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
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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  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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    • 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
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wonga help please


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hi can someone help me please i am due to pay my wonga loan of £430 tomorrow (10-02-2013) i have emailed wonga today to ask for a repayment plan and ask all interest and charges to be suspended, i have contatcted my bank to block the payments but they have said because its not a recuring payment on my account they cant block it and to ring back tomorrow to see if it comes up on my account as a recurring payment once wonga have attempted to take the money tomorrow. been in to branch today and the guy i spoke to has blocked my card so it no longer exists, he seems to think this will stop wonga from being able to take any payments from my account, is he correct?? or do they have another way of getting money from my account?? i have money due to be paid in on monday (working tax) im hoping i can get to it at midnight before wonga do. any help will be gratefully recieved, thank you

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ok i have spoke to someone at wonga today, filled in the online assesment and they have said online they will accept my repayment plan of £51 a month, i have also had a confirmation email from them outlining the amounts and payment dates of the repayment plan, so am i safe so to speak now a slong as i stick to the repayment dates??

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If that email details things as you want them and with no side clauses, then yes. If wonga breaks that plan, they would be in trouble. Just make sure you stick to your end of the deal.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Have a look at this and see if it helps. Wonga have stopped advertising the APR on their tv ads. I have complained to the Advertising Standards Authority and so should you just to make a point>>>>>

http://www.consumeractiongroup.co.uk/forum/showthread.php?382558-Wonga-advertising-issue-is-it-legal

 

 

the ASA link is here>>>http://www.asa.org.uk/

 

hope this helps you out.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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hi can someone help me please i am due to pay my wonga loan of £430 tomorrow (10-02-2013) i have emailed wonga today to ask for a repayment plan and ask all interest and charges to be suspended, i have contacted my bank to block the payments but they have said because its not a recurring payment on my account they can't block it and to ring back tomorrow to see if it comes up on my account as a recurring payment once wonga have attempted to take the money tomorrow. been in to branch today and the guy i spoke to has blocked my card so it no longer exists, he seems to think this will stop wonga from being able to take any payments from my account, is he correct?? or do they have another way of getting money from my account?? i have money due to be paid in on monday (working tax) im hoping i can get to it at midnight before wonga do. any help will be gratefully recieved, thank you

 

 

 

 

 

Re my last post. If you took out a WONGA loan after seeing their TV ad and committed to borrow without being aware of the APR of x% then you should fight this as it is not allowed to advertise without informing people of the Interest they will be expected to pay back.

 

Firstly complain to the Advertising Standards Agency as per my link in the last post. Then confront WONGA with the issue of their failure to notify the APR in their TV ads and tell them you will be writing to the ASA, and the Office of Fair Trading. Website link is here>>>http://www.oft.gov.uk/

 

WONGA will try and delay you for as long as possible in the hope they wll get you to carry on with a default and therefore increase the amount you owe them. They provide a repayment plan to keep the debt ongoing and therefore make it more difficult for you to pay it off. Then they will add more interest at an extortionate rate and so the wheel of debt is set in motion. WONGA loans are muppets just like the ads on TV. Let the people who run this scabby organisation show themselves and give an explanation.

 

I wish you well with your fight.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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