Jump to content


  • Tweets

  • Posts

    • 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 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

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

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      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
        • Like
  • Recommended Topics

lowell/overdale claimform - old Shop Direct CAT debt - Now Wiped out by my Court Charges Reclaim **WON**


Ftgab19
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2525 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Here is my list of fee's,

 

I'm not sure what to put in the APR Box, can anyone help? I think It's the 2.4% I found in the statement but I'm not sure.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

  • Replies 358
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Is there any interest I should be adding to the spreadsheet above?

 

Also I've made my covering letter, it says:

 

Shop Direct Limited

1st Floor Skyways House

Speke Road

Speke

Liverpool

L70 1AB

 

Date:05/01/2015

 

Dear Sir/Madam

 

Account number: 00000000

 

I am writing to reclaim all charges on my account(s) since the 14/08/2011.

I am unhappy that these charges have been applied to my account and in this letter

I am registering my complaint and I request that you immediately stop applying further charges to my account.

 

I need you to consider my case as a matter of urgency as I believe due to the charges to my account

I’m suffering serious financial hardship and becoming unfairly indebted.

 

 

In particular, my ability to pay rent, mobile phone contract, food, clothes and basic essentials.

 

 

Also with the loss of my job my monthly income has been significantly lowed,

so I now solely rely on Universal Credit for my income.

 

 

I will attach evidence to show my monthly income and outgoings.

 

I therefore request that you repay all my charges since 14/08/2010 which total £375.

 

Under the FCA guidelines, Shop Direct Limited has 8 weeks to resolve my complaint.

I trust that you will deal with my case within this period. If not,

I will refer the matter to the Financial Ombudsman Service.

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

Signed

 

Name Printed

 

Is the covering letter ok? or if there's interest found, should I say that in the covering letter to?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Here is my list of fee's,

 

I'm not sure what to put in the APR Box, can anyone help? I think It's the 2.4% I found in the statement but I'm not sure.

 

Thanks

Andrew

 

 

http://www.stoozing.com/calculator/apr-rate-converter.php

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... 

Link to post
Share on other sites

Thanks dx100uk,

 

If that's the interest, which one should I use? when looking at the statement some were 1.000 or 2.243 so do I use the highest one or the one I see the most?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

highest one you can find !!

 

 

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... 

Link to post
Share on other sites

Okay will do and I'll get it uploaded just to make sure it's all good.

 

Is the letter above ok for the claim? would I just need the letter, a copy of imcome/outgoings and the spreadsheet or should I put something about the interest in the cover letter?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Right okay, I've been through the statements and the highest one I found was on "statement 43" and it was "2.780" so I put that into the interest bit on the site you gave me.

 

It says:

 

Annual rate (when compounded) = 38.96

 

So I put that in the spreadsheet and it says:

 

Total cost of charges: £375

 

Compound Interest: £378.61

 

I'll upload it just to make sure it's right.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

change the description to 'Late or Over limit PENALTY FEE'

 

drop the £3.00 4/12/12

 

is the account still active today?

 

enter the total in your covering letter too.

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... 

Link to post
Share on other sites

Okay I've dropped the £3.00 charge and charged the charge name. I'll upload again just to be sure.

 

The account is still active I think, I'm still getting statements but my last token payment was sent to them in November from my ex DMC. They haven't asked me to set up a new arrangement yet or added anymore charges.

 

Also he is my updated covering letter

 

Date:05/01/2015

 

Dear Sir/Madam

 

Account number: 00000000

 

I am writing to reclaim all charges on my account(s) since the 14/08/2011. I am unhappy that these charges have been applied to my account and in this letter I am registering my complaint and I request that you immediately stop applying further charges to my account.

 

I need you to consider my case as a matter of urgency as I believe due to the charges to my account I’m suffering serious financial hardship and becoming unfairly indebted. In particular, my ability to pay rent, mobile phone contract, food, clothes and basic essentials. Also with the loss of my job my monthly income has been significantly lowed, so I now solely rely on Universal Credit for my income. I will attach evidence to show my monthly income and outgoings.

 

I therefore request that you repay all my charges since 14/08/2010 and compound interest which total £747.65.

 

Under the FCA guidelines, Shop Direct Limited has 8 weeks to resolve my complaint. I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Ombudsman Service.

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

Is that all I need or do I need to send proof of income with the covering letter, spread sheet and budget?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

I was also wondering should I put in the letter that I want all the defaults removed from my credit file? I know its a long shot, but it's a no shot if I don't ask.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

I found extra fee's when double checking my SAR, I've updated the spread sheet and it now says i'm looking at £888.21 so glad I looked into the interest.

 

I'll upload a copy just to be sure I've not done something wrong.

 

Will I only need, the covering letter, budget sheet and spread sheet to claim or do I need to send proof of income (benefits) if I'm claiming under financial hardship?

 

Thanks

Andrew

 

[ATTACH]55217[/ATTACH]

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

don't think it will make any diff what you send

SD always buff people off

 

 

try and see

 

 

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... 

Link to post
Share on other sites

Okay I'm fully expecting to take this to small claims court. After reading on how everyone else has been doing, it looks like the only way to get the money.

 

I'll be sending my letter today 1st class recorded, I'll include:

 

Covering letter

Budget

Proof of Income

Spread sheet

 

Let the games begin.

 

Thank you for your time everyone

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Theylll drag it to the last possible second or not reply at all. it's standard practice for companies like these.

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

Link to post
Share on other sites

I'm not sure whats happened here,

 

I've looked on royal mail website and it says:

 

Status: We have your item

Item 000000000000 was posted at 0000000000000 on 05/01/15 and is being progressed through our network for delivery.

 

Last update: 05 January 2015, 02:56pm

 

Its been 5 days now, does anyone think it's been lost or has Littlewoods managed to get the letter without signing for it? because I've had that done before with other company's.

 

Would like some advice please.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Thanks for your reply,

 

So how do you think they have manage to get the letter without signing for it? I thought the hole point was they have to sign for it.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Over the years any many recorded delivery letters sent to DCAs etc found they seem to always refer to letter they received, the slip from post office shows the actual letter was sent by date/time Recorded , I also found in cases as yours a signature on their site can appear 10 days later>

:mad2::-x:jaw::sad:
Link to post
Share on other sites

you only need free proof of posting. from the Po counter

 

 

that's all even courts would ask for.

 

 

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... 

Link to post
Share on other sites

doesn't even HAVE to be first class.

 

all the act states lets say from their part [the CCA]

 

is that they have to 'record' xxx letter was sent

 

they do that on the account log.

 

so your way you simply need 'a' proof you sent it

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...