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    • 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?
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    • 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 
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MBNA/Restons Statute Barred but N244 submitted for strike out and SJ***Claim Struck Out with Costs***


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Hi, I received a claim form Northampton CC for an old MBNA debt. It was issued by Restons. I filed my defence stating the debt was Statute Barred as it was over 6 years since the last payment/contact.

 

They however contest the last payment was inside the time, the state 2 payments were made inside the 6 years. However I have proof from Bank Statements and also my Credit Report that no payments were made as the account balance recorded by MBNA and sent to the CRA's was the same amount for this period (therefore no payments could have been made).

 

Restons do not know I have this evidence as I only managed to dig it all out recently and I did not have time before submitting my defence within the timeframe allowed.

 

The claim was stayed by the court but Restons have now sent an N244 form asking for the stay to be lifted, my defence to be struck out and Summary Judgement to be given.

 

What do I do now? I was going to submit my evidence as and when the court asked for my Witness Statement.

 

Please advise, thanks.

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You submit a witness statement in response /objection (not less than 7 days before the application hearing) attaching your evidence and request that their application and claim be dismissed.

 

Andy

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The court will inform you of the hearing (assuming they have requested an hearing as per their N244 ?)

We could do with some help from you.

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Hi, I received a claim form Northampton CC for an old MBNA debt. It was issued by Restons. I filed my defence stating the debt was Statute Barred as it was over 6 years since the last payment/contact.

 

They however contest the last payment was inside the time, the state 2 payments were made inside the 6 years. However I have proof from Bank Statements and also my Credit Report that no payments were made as the account balance recorded by MBNA and sent to the CRA's was the same amount for this period (therefore no payments could have been made).

 

Restons do not know I have this evidence as I only managed to dig it all out recently and I did not have time before submitting my defence within the timeframe allowed.

 

The claim was stayed by the court but Restons have now sent an N244 form asking for the stay to be lifted, my defence to be struck out and Summary Judgement to be given.

 

What do I do now? I was going to submit my evidence as and when the court asked for my Witness Statement.

 

Please advise, thanks.

 

What evidence do you have exactly?

 

Are you solely relying on what was reported by the CRA?

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Andy - no they requested to have no hearing as my defence had no chance of success.

 

Ganymede- I also have my bank statement's from those dates. The log shows the payments as debit card payments

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Andy - no they requested to have no hearing as my defence had no chance of success.

 

 

Okay who sent you the Application Notice...Claimant or the court?

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Fine...wait until the court contact you...they will no doubt require a hearing and inform you of a date ...if they accept that it does not require a hearing then you can submit your WS anytime from here on....but let the Court confirm first.

We could do with some help from you.

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If what you have is solid evidence...they wont get chance to discontinue...it will be struck out.....don't forget to request costs in dealing with their application within your WS.

We could do with some help from you.

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Thanks for this. My bank statements show no payments to MBNA for any amount. Also all 3 CRA's show the balance the same for the 6 months up to default from my last payment 3 months before they say a payment was made.

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You simply put them to strict proof to disclose the source of the " Phantom Payments " by who ...account number ...sort code ....branch.

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oh yes restons do this all the time

 

 

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...

So an update.

 

Reston's went for a Summary Judgement back in July.

I attended the hearing but the judge threw out their case and awarded me costs, which they paid.

 

It was moved to Small Claims track and we have a hearing date next week.

 

I submitted by WS with the details I mentioned above.

I received their WS and they still don't show proof of payment with card details, bank detail nothing.

They just say that MBNA have sophisticated systems that show payments

 

they provided an account log of all transactions that show the 2 payments alleged.

They can only provide me with 1 actual statement from 2 months before the last alleged payment

showing the balance corresponds with that of their log.

 

Strange they don't produce the actual monthly statements for the period the payments are alleged to have taken place

(something I will point out to the judge).

 

Any ideas how this will play out in court?

Will the judge be looking for strict proof like I requested or are they likely to believe the sophisticated finance house?

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might be an idea to scan up to ONE multipage PDF

their WS.

 

follow the upload

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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  • 4 weeks later...

Well I thought I would update the thread to let you know that I WON!!!!! The DJ struck out their claim and awarded me costs. He emphasised the burden of proof to show the debt was not SB was with the claimant and the evidence produced lacked this clarity. I think the evidence I also displayed went a way to throw reasonable doubt over the alleged payments.

 

So it just shows you never give up and fight your corner against these bullies.

 

Thanks for all the help and advice on the thread. If someone wants to update the title to WON that would be great.

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Told ya. Well done

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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A very well done DeBilde..thread title amended.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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