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

Multiple Payday Loans Refunds


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2929 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

id be amazed if it made any difference but can do no harm - however I still would not let it stop you from lodging complaint with FOS. you can keep both tracks going and if QQ miraculously do offer you anything then you can withdraw the complaint from FOS. At least, you will have the clock ticking on your complaint should you lodge it now

Link to post
Share on other sites

ARGGGG I am having a nightmare with the Adjudicator who have got 2 of my Payday Loan claims. She says she will not deal with any of my complaints that are over 6 years, even though I have explained that I had no idea until I read Debt Camel's article she still insists I could have known that I could complain. I explained to her that I could have reasonably known in Feb 2015 when Wonga refunded me and that I had a Payday loan CCJ that was clearly unaffordable I settled in April 2014 and if I had of know I would have complained then and wouldn't have paid up. Quick Quid are saying that I could've known in 2010 when OFT sent out their guidance but I was still borrowing then and 2011??? Am I reading the 3 years wrong or something? Any ideas? I have ask for another adjudicator but I think that was a little hasty. This worries me though because if she wont look at my loans out of the 6years that's a massive chunk off of my Quick Quid refund and another's too. No doubt if she has 2 of my complaints she will be issued with the other 4 I have. But I am really worried about QQ. Please help and has anyone got any ideas? Thanks

Link to post
Share on other sites

id be amazed if it made any difference but can do no harm - however I still would not let it stop you from lodging complaint with FOS. you can keep both tracks going and if QQ miraculously do offer you anything then you can withdraw the complaint from FOS. At least, you will have the clock ticking on your complaint should you lodge it now

 

It did help at all! But she has given me what she used as evidence and what she will be sending to the FOS....I have found errors with it like it says I own my home when I live at my parents, It says my wrong job and title from Apr 2008 - May 2010. So that gives me ample evidence that their system is obviously wrong.

Link to post
Share on other sites

  • 3 weeks later...

UPDATE: The FOS have reject 2 of my complaints. Which to me makes no sense. My Jar gave me loans when Inwas already in over £1500 worth of payday loan debt which is clearly visible on my bank statements. I am going to lodge a complaint about the adjudicator as She was very biased. It's gone to the Ombudsman so fingers crossed. I have QQ, Wonga at the FOS waiting to be passed over to a adjudicator. I hope I don't get her again she's useless.

Link to post
Share on other sites

Unfortunately, not all adjudicators have your interest at heart and will try and fob you off. This one may be good at her job but sees things differently to you which is why you have the right to escalate further. The Ombudsman may just come back with the same decision unless you have given them further information to base the decision on.

 

Keep plugging though. What you haven't got, you are not missing.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

I'm going to. In Sept - Aug - I borrowed £1085 before the £300 then in July I borrowed £2046 before £200 was added. Just for those months I really can't see how she could deem then affordable. I had problems before with her over the 3year rule. On Tuesday I'm going to put all my figures into a spread sheet to see if I am correct and send that to her. If that is the way she deals with things I don't want her to look at QQ or Wonga as those are pretty big and rely on the 3year rule thanks for your response

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...