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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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paul's wife v nat west**WON**


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hi Paul

 

I bet that feels GOOOOOOOOOOOODDDDDD...............

 

 

i would love to do the same, i bet this wont affect there credit rating...........LOL

 

good on you

 

well done mate

 

Scott

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Yeah, it felt wonderful. Checked MCOL today and judgement has been accepted and issued. I asked for payment by 22nd May (ie 14 days) - otherwise its time for the bailiffs.;-) Not sure if NW can still get this set aside. That would be an abuse of everyone's time, surely.

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Letter from the court stating that judgement has been issued. I'm hoping that they won't apply to have it set aside, but they may do and this would make it a longer run in to the finishing line.

 

On a slightly different note, there have been security issues on my wife's account in the past. Her card was cloned and someone in Thailand went on a bit of a jolly. She was, I have to say, fully refunded but she has been suspicious for a long time that security might not be that good. I now realise that Nastywest didn't properly comply with the SAR. They only sent 6 years of statements. So I'm going to send the following letter which should keep them busy (they make us work hard to get our money back so I am reciprocating). Most of this came from a thread by Progenic7. I intend to claim back as far as possible now. Comments welcome.

 

Dear Sir or Madam,

 

Account number: xxxxxxxxx

 

I bring your attention to my letter dated xx/xxx/xxxx requesting a complete list of charges and transactions relating to my account. Unfortunately, you only sent six years worth of copy statements. As the Data Controller, you should be aware that a Subject Access Request requires you to provide complete disclosure of all data that you hold relating to the history of my account. I refer to complete disclosure in its most rigorous sense since it has now been brought to my attention recently that ALL information, no matter how long held on file, must be disclosed fully and in a format that is legible.

 

It seems that a lot of banks and credit card companies, including NatWest, wrongly interpret the Data Protection Act 1998 as only needing to disclose six years worth of personal data. This is entirely wrong. I would also like to point out that The Limitations Act 1980 has no relation to this request at all and has no bearing on the Data Protection Act 1998.

 

Since there have been security issues in the past with my account I would be grateful if you would now comply with my original request under the Data Protection Act 1998 and provide the following information:

 

1) Full copies of all contracts which you believe exist between myself and your organisation, including copies of any documents you hold in support of same.

2) Details of the identity of any individuals or organisations who have provided you with my personal information together with copies of any letters of instruction provided by them, or any contracts entered into between yourselves and the third party, and the relevant dates to which those contracts related.

3) Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

4) Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

5) Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

6) Full copies of any correspondence in postal, email or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial information, or which pertains to myself.

7) Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

8) Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

9) Full hard copy print outs of any of my personal or financial information held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. And Audio files, specifically recordings of conversations had between myself and your staff regarding all matters relating to my banking history.

10) Your registration number with the Information Commissioners Office.

11) Your Consumer Credit License number.

12) Your VAT registration number.

 

Where reference to emails is given above, these emails should be taken from your email servers or backups / archives held in a magnetic or digital format. These emails may not be present on a user’s local system, and may require the assistance of your IT department / IT providers, who you should contact immediately for their provision.

 

Please confirm whether you hold a physical file with details of my personal and / or financial information. If so, please provide details and dates of any instance when this file has left your control, to whom it has been communicated, the method of transportation / communication e.g. Royal Mail, courier, by hand, electronically. Please provide a full copy of this file. Where my physical file has left your offices, please provide details of any precautions taken to ensure that my information has not been lost, stolen, misplaced or made available to anybody who does not have authorised access, including those who would use my information for the purposes of identity theft, or registered with any credit agencies. Please also confirm whether any of the documents held within the physical file are computer generated.

 

Under S.40 of The Administration of Justice Act 1970, if you believe you have provided my information to any organisation, agent, or individual who could, or may have used it for unlawful purposes, you should contact me immediately, and provide full details of their identification and address, together with full details of any instructions you have provided to them. If you have forwarded or communicated my personal or financial information to any person, company, or organisation, please provide a copy of the authority, signed and dated by myself upon which you have relied prior to doing so. As requested above, you should provide copies of any such communications.

 

Under the Data Protection Act 1998, as a Data Controller, you are responsible for the complete retraction of all information provided to any third party, should I request you to do so, and have a duty to myself to ensure that any personal or financial information I have provided to you is kept securely, and is only communicated to those to whom I have given my express permission / authority.

 

I would remind you that I have already paid my statutory maximum £10 fee and I am now giving you 14 days to comply with my original request. If you fail to comply in full within this timescale I shall not hesitate to escalate this matter by making a formal complaint to the Information Commissioner’s Office and I shall seek a County Court Order to enforce compliance. I look forward to your prompt attention regarding this matter.

 

Yours faithfully,

 

 

 

 

Paul's wife

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  • 2 months later...

Grrrrrr!!! £362 in charges taken in June and July. My wife called them and was told that she should manage her account properly! What gets me is that she is about £300 over her O/D limit so without these charges the account would have been managed well enough. Surely, if anyone is running the account badly it is Gnat West! Prelim sent 18th August.

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Unfortunately they are under this great illusion they are working within the law, but do not have the bottle to defend a single case in a courtroom. So claim away. They take, you claim. At the moment this is the cycle iam afraid. At least you will get your money back.

Your prelim was sent July and not August. Unless i have been a sleep for a month.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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