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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 - 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 in Westminster - 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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Eviction booked for 12pm hearing two hours before. - Eviction Stopped success


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I understand that the FCA (previously FSA) demands that all calls in

relation to any “Mortgage” arrears must be recorded, (even it these only deal with security checks) so I wonder if it

would be worth pointing this out to Eversheds... and ask that they bring a copy of that call to the court so you can show the judge how they tried to intimidate you 24 hours prior to the hearing !!

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Just to add, for the hearing tomorrow. Ask that the judge stays the eviction on the basis that there is no prejudice to the lender to wait whilst the property is sold because a) you are offering the CMI plus something towards the arrears in the interim and b) a property that is sold whilst occupied always achieves a higher price than a repossessed property and c) the property has substantial equity, which supports the fact that there is no prejudice to the lender in awaiting the sale.

 

The judge will be looking to ensure that there is no prejudice to either side by the decision that he makes - if he fails to stay the eviction, then he has caused prejudice to you for the reasons above...and you should definitely appeal to the circuit judge immediately if that happens.

 

Based on experience, it is extremely unlikely that you will lose your home tomorrow, largely because you are in a position to pay the CMI plus something towards the arrears.

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Just to add, for the hearing tomorrow. Ask that the judge stays the eviction on the basis that there is no prejudice to the lender to wait whilst the property is sold because a) you are offering the CMI plus something towards the arrears in the interim and b) a property that is sold whilst occupied always achieves a higher price than a repossessed property and c) the property has substantial equity, which supports the fact that there is no prejudice to the lender in awaiting the sale.

 

The judge will be looking to ensure that there is no prejudice to either side by the decision that he makes - if he fails to stay the eviction, then he has caused prejudice to you for the reasons above...and you should definitely appeal to the circuit judge immediately if that happens.

 

Based on experience, it is extremely unlikely that you will lose your home tomorrow, largely because you are in a position to pay the CMI plus something towards the arrears.

 

 

I will write this down and take to court with me Thankyou everyone I have asked eversheds and I'm told no tapes are available to play in court

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Hi again Worried56,

 

I have only just logged in.

 

Me thinks that Ell-enn has got the bit between her teeth here - from my limited experience the Judge does not want to be Bullied by err MR BULLY - not a chance.

 

All I can tell you is please follow the leads that Ell-enn, citizenB and Lea_HTH are showing you PLEASE BELIEVE.

 

You have TOOOOOOOO much ON YOUR SIDE - MR BULLY = 0 Worried56 = 150

 

The Judge, I am sure, WILL go down your route - You are reasonable people - Mr Bully is UNREASONABLE

 

I only hope that you get the guy from eversheds that I had - he thought they were Tossers!!! True - honest - he said "...could you give them £75 a month, anything for the arrears...?" We then went into court and he described me as "...a good hard working person that has had a bit of bad luck!" Go figure!!! BUT - I didn't get my own way because of him - I got my own ways because I presented my facts - just like you will tomorrow. The Judges does not want to go home and reflect on his day having signed an eviction - thats the last thing he wants - SHOW HIM HOW YOU ARE TRYING AND SORTING IT OUT DESPITE EVERSHEDS BEST EFFORTS TO STOP YOU.

 

GO GET EM

 

YOU WILL NOT BE LEAVING TOMORROW

 

With sincere best wishes for you. Try and have a bit of sleep - this time tomorrow you will have victory with all the fantastic help that these wonderful people on here have given you but most of all YOU DID IT

 

Kind regards

 

HTA (Happier Times Ahead) x

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Evening HTA

 

I have made notes of everything I have been advised and am prepared Thankyou so much for your kindness it really has made a difference to my state of mind I will update you all tommorow how it goes x

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I will write this down and take to court with me Thankyou everyone I have asked eversheds and I'm told no tapes are available to play in court

 

Well, to paraphrase Mandy Rice-Davies, they would say that, wouldn't they?

 

Good luck for tomorrow. You have so much going for you it should be fine.

 

We'll all be thinking of you and waiting for an update.

 

DDxx

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and ............... now relax Worried56 - you have everything going for you.

 

Just try and get some sleep.

 

You are not on your own tomorrow - you have all us lot with you - remember that.

 

Night Night HTA x

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Well, you are likely to be in your hearing right this very minute. I hope it all works out for you.

 

David.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Hello all it got suspended!!! So happy

 

The agent for Santander was a nice man even gave me a few pointers before we went in

 

judge was lovely she said she had read my application and if was well thought out and I was very expeditious. She said on that basis she was making a order for the warrant to be suspended and a order for us to pay the monthly and £350 towards the arrears (we offered £500) Could not asked for a better judge or outcome

 

Thankyou for all the help

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Hi Worried56

 

:whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo: :whoo:

 

WELL DONE YOU - So HAPPY for you - That news has made my week

 

Brilliant, just BRILLIANT.

 

So happy for you and yours

 

Have a great weekend

 

HTA x

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That's great news. Congratulations :)

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Fantastic - well done :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Yes, this is excellent news. Now you can relax a little over the weekend :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great news well done....

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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