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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 Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - 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 a Westminster seat - 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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Hsbc sent final demand letter and default notice


davesh.kumar
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Hi Guys,

 

I am new to website. But i have really big problem with hsbc.

 

let me explain.

 

I have small property investment business.

Due to this when we pay some of builders they take out money without my authority

each time i have to cancel my card and bank sent new one

 

this things happen 7 to 8 times

we told number of time banks about this and finally came to point when we thought its best to close a/c and all matters.

 

At that time i have one credit card, bank a/c and personal loan on my name.

Bank has closed current a/c and credit card straight way

but loan they told me if i can not afford to pay

they will keep open as it is and i have to keep paying them monthly arrangement.

 

i have setup arrangement with them by direct debit and till date everything upto date i did not miss any payment.

 

During december time my father passed away and i have to go out side country,

during this period hsbc suddenly decided to close my loan a/c

they sent out letter which i was not aware.

After few days later another letter came for default notice and final demand.

 

I came back last week and i have seen these letters.

I been told by HSBC staff not to worry and they will sort out everything .

 

I been given collection number which i called number of time but they have given one answer as my loan account is active and its up to date.

 

Letter i received from hsbc clearly confirmed they will pass my details to credit reference agency and it will affect my credit rating.

I have made full payment to HSBC but they refused to do anything.

 

I have explained them as i was out side country and i did not received any phone call but they did not listen.

As well they have notes on system march 2017 confirming person previously dealing in back office (customer relations manager) place note confirming account keep open and customer will maintain monthly payment as agreed when opened loan account.

 

HSBC in march 2017 told me they will keep my loan a/c opened as far as i will keep paying my instalment

but in december they have decided to close my a/c.

Branch even give me wrong information as they told me nothing to worry my a/c is up to date and no action required.

 

I really need serious help as my business on credit and if something goes against my credit file it will be end of my business.

I need serious help as bank not helping me out at all neither branch

 

already made complain to bank but i am not hoping any good response.

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Hello, welcome to CAG, sorry to hear of your fathers passing......

 

Have you started HSBC's complaints procedure?

 

If not do so, and exhaust it until you get the outcome you want.

 

Do NOT call them, keep EVERYTHING in writing, and keep a diary of events too.

 

Keep an eye on your credit file also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,

 

Yes customer service team they took complain over on the phone. Do you know what option i can have. As i mention earlier as soon as i found out i called them and explained them about previous conversation i had with back office manager and notes on a/c. But, all they now saying they have changed their mind.

 

I made full payment on a/c and one of their manager told me if any interest rate over charged they will refund me by cheque but you can understand more important is Default on credit file

 

Thanks

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They cant default a Loan account if it is not in arrears....there is no such thing as a closed Loan Account....just the current account that I assume payments were being made from...as you have made alternative payment arrangement with new DD...forget about it.

 

 

Andy

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Thank you for quick response

 

HSBC when sent default notice letter they have used reference no as my bank account no.

 

My bank a/c has zero balance and it’s already closed

 

the amount they are asking it’s for loan amount as I do not have any open account with them since March 2017.

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sounds like they've pulled their usual stunt of creating a managed loan and then dumping it into the Bank Account as a massive OD???

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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