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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 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
    • Do you also own land the garages on and the private road? Or is it shared freehold with right of access to all freeholders or why?  Dx  
    • I may try cheap plastic bollards (traffic cones) first just to see if they get moved.  I will look into the cost of fixed bollards.
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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.  

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help/Advice needed please


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Do you think its a good idea for me to offer to pay just the original loan minus the charges £400 - £45 so offer£365 as they have already had 8 times the one months interest from extension fees which i never asked for/ agreed to. Or will I have to add on one months interest making it £481 to offer.

 

Until the figure is agreed to I wont be able to work out exactly how much i can pay a month so wont know how much to offer on a repayment plan. so should i just offer an amount I know will be doable and then increase later?

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Wow. sorry for some reason this never got bumped and i lost the thread. Gimme a min.8

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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Ive had a reply to the cca request from payday express here is the information.

 

Loan amount £400. over 28 days total to repay £516

 

I have had extension fee of £116 taken from my bank account on 8 occasions totaling £928

plus 3 default charges of £15 taken totaling £45

 

And this leaves me with an outstanding balance of £632 which equals the original amount plus one more extension fee of £116.

 

I now want to write to them with the object of arranging a repayment plan. But would it be worth me trying to say I will only pay a certain amount as what they want is unfair?

 

Thank you

 

 

Ok. First, you could complain about them as they obviously havent taken your circumstances into account, as they have allowed you 8 rollovers. Also, the default charges are completely unenforceable and you should either reclaim them ( if they terminate the contract), or deduct them from the amount they say you owe.

 

As for a repayment plan, take some time and work out a detailed I&E for your eyes only. You need to get yourself on a budget so you can manage your debts. Under NO circumstances send the PDL the detailed I&E.

 

Remember, a PDL is very low priority. They are on the level of catalogue debts so they arent important, even if they think they are. You offer what you can REALISTICALLY afford without neglecting your day to day life or your priority bills. If this means they get a fiver a month, or even £1 a month, then thats all they will get. If they are stupid enough to go to court, a judge would side with you as you can clearly show you want to pay the debt but they refuse to agree. In some circumstances, the courts can reduce the debt significantly or even wipe it.

 

So as you see, there really isnt much to worry about. What you can do is work out your repayment proposal and remember, keep it realistic. Dont be pushed into something you are going to struggle with and cant stick to.

 

Also, feel free to draft a letter, post it up and we can tweak it. We know how PDE work and they are pretty easily dealt with. However, its best not to use a template letter with them as they normally ignore it or bin it.

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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Thanks for the reply great info for me.

 

So today I received a reply from MMF for the details of my peachy payday loan. The first thing to note is that despite me clearly stating it in my letter the postal order was used against my balance. Also the reply doesn't include a full statement of the account. All it has is the original payment plan ( i had a 2 month loan ) and the amount I now owe. So I cant tell what they have already taken and added on in interest and fees.

I should of repaid £301.53 and my balance is currently £531.53.

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Ignore MMF. They have no regard for the law and even do borderline criminal practices. If they fail in their duties once, get a full complaint to rob sands - compliance director for MMF. They have also breached OFt guidance and regulation by using the CCA money as payment to the debt.

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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  • 2 weeks later...

A quick update on where I am currently with this.

 

Pounds to payday: Added no charges or interest and accepted my payment plan straight away

 

MMF/Peachy: Replied to my request without a detailed statement and used my £1 postal against the balance. Have sent a complaint letter regarding this.

 

Opus/Minicredit: No reply received.

 

PAR/Wonga: Had reply saying my request has been sent to wonga and I will get a reply from them. As of yet ive had nothing. They also returned the postal order.

 

Payday Express: Replied in time with all info. Have written to them with regards to paying back over with a repayment plan.

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