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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 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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      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.

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      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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HFC / HSBC sells off debt to Lowells


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Just had the compulsory Hampton Legal letter through with we May pursue this in court, this is what may happen threat.

 

So I'm assuming another threat-o-gram.

 

Awaiting next one, we're now 2 months and counting to statute barring.

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Just had the compulsory Hampton Legal letter through with we May pursue this in court, this is what may happen threat.

 

So I'm assuming another threat-o-gram.

 

Awaiting next one, we're now 2 months and counting to statute barring.

 

 

No threat of " we might send a man? in a mucky mac to pester you"??

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Dear Sirs

 

I had an overdraft limit of 500 with HSBC.

i gone over the limit and made more then 20 transaction after gone over the limit. i thought my credit limit was increased so my balance gone to 1300 pounds. Then i was ask to pay back all the money and was charged for that as well and my account was closed.

 

Can i claim anything back?

 

Thanks

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Dear Sirs

 

I had an overdraft limit of 500 with HSBC.

i gone over the limit and made more then 20 transaction after gone over the limit. i thought my credit limit was increased so my balance gone to 1300 pounds. Then i was ask to pay back all the money and was charged for that as well and my account was closed.

 

Can i claim anything back?

 

Thanks

 

 

You need to start your own thread

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  • 2 weeks later...

Second letter from Hamptons today.

 

They are now assessing my account to decide their options.

 

It depends on the amount owed etc etc.

 

Then goes on with the usual threat o gram re CCJs.

 

We're now 1 month and 2 weeks away from a statute barring.

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Another week down, 10 days and 1 month now till the 6th birthday of acknowledging this debt.

 

Every day now I'm expecting that Bryan Carter letter. Crossing fingers!

 

Not heard from Hamptons since that letter 2 weeks ago in October. Quite surprised I haven't had a second chase letter.

 

Hope everyone is well!

 

-Loke

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Just had a letter with a final warning. If I don't respond by November 1st. They will carry out their decision which is either legal action or pass it to a specialist debt collector who may come see me in person to discuss repayment.

 

Their offer also include a 50% full and final payment of 4k.

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Just had a letter with a final warning. If I don't respond by November 1st. They will carry out their decision which is either legal action or pass it to a specialist debt collector who may come see me in person to discuss repayment.

 

Their offer also include a 50% full and final payment of 4k.

 

 

Typical Lowell, thumb up bum brain in neutral response.

 

 

"We could may even might take sour action but all we can do really is send round some oik with no more authority than the usual company " script" to collect my doorstep ."

 

 

Discount is a give away too!!

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!

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dirty man in amac

 

 

bye bye

no powers fleecer

 

 

on your way

 

 

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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Probably won't matter.

 

The debt has been sold so the right of set off does not exist hence the money should come to you.

 

It could be that HSBC may buy the debt back in order to carry out a set off and SB won't affect the above two scenarios.

 

SB is purely to do with enforcement by the courts, nothing else.

 

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silly me

 

 

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 have a savings account with another HSBC subsidiary that they in theory could have offset against. I'm surprised they never did, It didn't really strike me as a possibility in the past.

 

I have my ISA with HSBC, a Car Loan that i'm currently paying monthly, my credit card, I've just had a mortgage approved by them.

 

It's almost like they never linked the two accounts together?

 

Could they buy the debt back and offset against my savings, which is the deposit which i'm getting a mortgage based on.

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silly me

 

 

dx

 

I doubt that :-)

 

I have a savings account with another HSBC subsidiary that they in theory could have offset against. I'm surprised they never did, It didn't really strike me as a problem in the past.

 

I have my ISA with HSBC, a Car Loan that i'm currently paying monthly, my credit card, I've just had a mortgage approved by them.

 

It's almost like they never linked the two accounts together?

 

Maybe because this one is HFC and your others are "proper" HSBC" they haven't made the link. Different banks but under the same group so it is not impossible that they haven't twigged.

 

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  • 2 weeks later...

Is there anything I can do now to run a bit of delaying tactics, it's now 3 weeks and 4 days till statute barring. I would feel a lot better if this never hit the court, even though I'll defend it as hard as I can in court.

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stop panicking.

 

 

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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yes keep quiet and don't invite letter tennis

 

 

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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  • 3 months later...

This debt is now well and truly statute barred.

 

 

Lowell instructed a 3rd party to carry on collection,

 

 

they sent me two letters asking for money

 

 

then a third letter saying it's been returned to Lowell.

 

 

Not heard from Lowell since.

 

 

Thanks for all the advice on this guys.

 

 

Well chuffed it's now hopefully over.

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