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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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Account Closed Without Notice - How to Get Funds


boliviab
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Today I found out that HSBC has closed my current account and savings account (only funds in Current account really) without giving me any notice.

 

My first clue was when I withdrew paypal funds as I do each week and it errored saying the bank account didnt exist.

I went to internet banking HSBC to check and my accounts where not there.

 

I called HSBC and they told me that my accounts had been closed but they could not tell me the reason why.

This was bad enough but the problems I have are far worse and wanted to see if anyone had any advice.Ill explain.

 

I am based in Bolivia and HSBC are/were aware of this (my registered details and address is in Bolivia although account in UK).

 

I had around 16000 pounds in my current account and I needed to transfer some of that to Bolivia to pay various things (around 10000 pounds of it).

 

The remainder was to be used to pay for some university fees and also a planned trip to UK in Dec.

 

The only thing HSBC would tell me was that they would "probably issue me a cheque for the money".

 

Apart from needing that account my immediate problem is that if they issue me a cheque it will probably be in UKP , and therefore useless in a Bolvian bank.

I dont have any other UK bank account and as I am now resident in Bolivia will not be able to open one.

 

Also , as I am in Bolivia I cannot countersign a UKP cheque to deposit into someone elses account in the UK.

 

So thats the situation - anyone have any ideas how I might get this fixed?

 

I am meant to be speaking with HSBC tomorrow and I want to ask them to do an international transfer for the full amount to me

but Im guessing they arent going to be very helpful.

 

I doubt they will send the money to my mothers account (also HSBC) with without some kind of signed document.

 

I need this money fast or I will have to close at least one of my two businesses and that will mean 20 people will lose their jobs.

 

Im trying to write this calmly but as you can guess im pretty angry and worried right now.

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do they poss suspect fraud or drug money involvement as per your location?

 

cant see otherwise why they would shut them down.

 

have they not sent any letters to your uk address etc etc

 

something strange here.

 

contact the fraud dept and ask?

 

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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Ive contacted them and they say they sent a letter to my Bolivia address (which never arrived, but post is slow - in the past they have called me for things though) and that they cannot tell me any details as to why to why the account was closed on the phone and that I would " have to go into a branch". Obviously that is difficult for me as they have no branches in Bolivia and a trip to UK and back would cost me around 3000 pounds (and they have my money so I cant do this anyway).

 

If they did suspect drug money or something then surely they should contact me and ask for evidence of where funds come from - I can prove to them where every penny has come from no problem and none of it is illegitimate. I would have no problem doing that and would much prefer that than them simply closing the accounts and leaving me in such a difficult position.

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ok good

 

I

'd p'haps start to gather this evidence & be ready to send a formal complaint with it to HSBC head office

 

shame on the post delays

 

might well answer the issue

 

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

im just hoping they can arrange some kind of transfer for me - the closure of the account is a pain and I would like to fix it but the money is more urgent and peoples livelihoods are at stake here - not just mine. I will have to close my fast food restaurant (one of my businesses here) if I cannot get my hands on these funds this week/early next week and some 20 people will lose their jobs.It is very bad timing.

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Spoke to them again today and they will absolutely not give me any details as to why they closed the account. They simply say "they reserve the right to close accounts and not give any details why" they said it is the same as me having the right to close the account and not give them a reason why.

 

Have to say that this is incredibly bad customer service and Im amazed that a multinational company of this size actually acts like this . I would think also that in the banking industry that banks would be required to give reasons for something like this as they have more regulations than your standard retail type industries for example. Banking is such an integral part of life and pretty much a requirement in modern life that they should not be able to close accounts without justification. This has caused me massive problems and they dont even have to give me a reason and details , never mind try to justify it.

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I believe that was in Mexico not Bolivia but regardless I dont see why they cant investigate first and ask for proof . I have proof of every single payment and transaction I have done for years and everything has been done via banks, credit cards etc so there is a 100% complete paper trail. So if that is the reason , them just assuming that I am money laundering because I am in Bolivia is shortsighted, insulting and not a good way to treat a customer of over 20 years wouldn't you think. Add that to the fact that they did not inform me or give me notice (they say they sent letter but I did not recieve anything so that does not count in my opinion) and it all adds up to extremely bad customer service that is seriously effecting my life.

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Banks have never had any real care about people, their customers or otherwise. Banks seem to think they are above everyone and we are just oinks here to make them profits.

They really couldn't care a monkeys about anyone.

 

Make sure you have notified them that you will be adding the statutory 8% interest from the date of closure until release of your funds and that is in addition to any interest they may be paying at present.

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time for a complain to the ceo's email address me thinks

 

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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