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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
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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  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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British Telecome £5 Late Payment Charge


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Haven`t been stung by this, but thought that it would be interesting to tackle them of it.

 

They have lessened the period in which you are allowed to pay your bill from 14 days to 7 days, and imposed a £5 Late Payment charge so decided to contact them asking what their true cost was.

 

Needless to say despite mailing the letter to their correspondence division in Derby, I had someone from an Indian call centre get in touch to deal with my enquiry.

 

Despite my saying that I needed a response in writing he proceeded to tell me to call 150, he commented that it cost BT £5 which frankly is laughable as the only change would be a rewriting of software to include the incurred charge if payment was received past a certain date.

 

Still think its time to write direct to the financial department at the head office - and put that I require a response in writing, and not to talk to an indian call centre.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Spent 3 hours on the phone to their Indian call centre on broadband problems a couple of months ago - being passed round and round - I lost the will to live at the end of it - can't understand why you don't want to enter into dialogue with them :)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Plain and simply, this guys English isn`t good enough.

 

When I say i wanted a reply in writing, he said phone 150!

 

Complete waste of a 32p stamp, my time, their call to me, and employing this guy to answer my questions.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Huh not only that when I had the phone line cut off as had a bulldog line fitted I got a final bill 2 weeks before payday so said screw it they can wait (£25 bill) as no money and 2 weeks should be ok after 8 days I got a solicitors letter threatening me with all sorts - idiots ffs

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Life is too short. You cannot challenge what you've not been billed, and I'm surprised you didn't get the now usual response 'we do it because everyone else is'. It also goes without saying that as you didn't specifically agree to it, you'll have it refunded when challenged, just like everyone else.

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Know someone else who challenged it and had the charge refunded. Not everyone will challenge it though so decided to question the charge because of that.

 

Was pretty appaulled that they shortenned there payment period from 14 to 7 days as well. Guess they are trying to persuade people to switch to paying by direct debit.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Agreed, and BT are famous for using the billing date rather than the date you receive the bill - making it 5 days to pay instead of 7. I challenge all such 'fines' and refuse all Direct Debits. The sooner we all do this, we can end the lie that 'people prefer DDMs'!

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In the instance of something variable such as a phonebill would never be happy about setting up a direct debit.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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If you do get hit by the charge, pay the full bill minus the charge, and put it in writing that you will not pay the charge until it has been justified and fully costed to you.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I noticed this. The statements used to arrive by second class post, which at the time (about 2 years ago) used to take anything up to 8 days when the postal system seemed to fall to bits.

 

By then it was already overdue for payment.

 

Originally the bill said something along the lines that the charge would be applied if the payment was not received by the due date, which then changed to 'by the date on the red letter' or some such.

 

I did on one occasion have someone from BT ring up chasing payment when the bill had only arrived the previous day and suggested the answer was to change to direct debit. I suggested that perhaps a little less arrogance wouldn't go amiss and changed phone company.

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Sure you could pretty much argue that the payment period isn`t long enough - can you imagine if bills went out during December.

 

Also as someone people stated you never signed a contract agreeing to the imposition of a late payment charge.

 

However, some people will stomach it and pay the money regardless.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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I did on one occasion have someone from BT ring up chasing payment when the bill had only arrived the previous day and suggested the answer was to change to direct debit. I suggested that perhaps a little less arrogance wouldn't go amiss and changed phone company.

 

Looked at in isolation, BT's changes doen't seem much to get upset about, but when you realise what the total picture is, the manipulation foillowed by date juggling and late fees... all to get you on DD are a scandal.

 

It's all very well trying to move to another provider, but there is every possibility their terms will be more onerous - DD or no service! It is this unfairmess I wish the OFT would take a serious look at!

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Guest Battleaxe

I make BT work for their £5.00 charge. irefuse to pay it on time, they shortened the payment time, so now I pay on the red letter. I will not enter into dialogue with them, it is a useless excercise. they try to badgetr me into a DD, I tell them politely to put that suggestion where the sun don't shine. Indian Call centre absolutely useless. this is whyt after three weeks we got rid of BT broadband, it had more downtime than online time, but no refund of charge for the downtime.

 

Looks like another class action to the Trading Standards. Now if they offered a discount for paying the bill on time or early there might be an incentive for us all to toe the line. I am finding the older I get, the more stroppier I get with these companies. BT wants to remember it is no longer a monopoly

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Guest Battleaxe

Buzby,

 

I am becoming a cranky old lady..would be a good panelist for the show. i am outspoken, half the time out of my bum, but still it is an opinion even if it is not PC..arrrrgggghhhhhh....I call a spade a bloody shovel and I am in your face especially if I know I am right you are talking crap. i will not be patronised or talked down to and these complanies think they can walk all over us. No way, narda, zilch, I kicking back and kicking back hard, affter all what can they do to us, that hasn't been done to us already.

 

Off topic but have to share. back home, we have three years to apy our rates (Councilt ax and it is done on the unimproved value of your land, tenant note, only the owner of the property pays the rates and water is included in this, so many gallons for free than excess water rates). So some us naughty people who had a gripe with the council would wait until 3.50pm on the final day troop in to the Council payment office and pay the rates for the twelve months in the lowest coin of the realm, in my case I took in wheelbarrow of 1 cent coins to the value of seven hundred dollars. The following year the Council ffered a discount if we paid early, something like 20%, so word got out and most of the homeowners paid on receipt of the Council tax demand that year the next year they weren't so generous, so we went back to our old ways. If you don't pay up by the deadline, the council can seize your property and sell it for unpaid rates, but that is a process of last resort. it was the only way, apart from sitting in the public gallery at the council meetings and heckling. I was the President of the local progress Association at the time. My son reckoned the Council held a party to celebrate when I moved to New Zealand.

 

My old boss used to call me Lucretia Borgia and also referred to me as his rotweiller

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Now if they offered a discount for paying the bill on time or early there might be an incentive for us all to toe the line.

 

Funnily enough that was the very same thing I was thinking earlier this morning.

 

If they were to offer you a 5-10% discount off your bill for paying by direct debit people would be more inclined to make payment by those means.

 

However as BT are a Plc and wouldn`t want there profits affected they are more likely to go the dreconian route and penalise people into accepting the direct debit.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi,

 

I just had the £5 late payment charge from BT refunded after sending them the template available thru this website about letter before action.

 

I also added onto the template that infact they were charging me for services NOT YET RECEIVED. BT charge you in advance for their services and the only other item on my bills are the last 3 months of calls. My £200 quartly bill is made up of about £35 in call charges (which I have made) and the rest is for future charges............................ how can they charge a late payment for services you aint even had yet?

 

I was glad to get my £5 back anyhow !!

24th August 2006 Template letter to Argos demanding late payment fee of 17.50 is returned.

 

Argos late payment fee of £17.50 is returned.

 

22nd Nov £5 late payment fee returned by BT.

 

Virgin credit card 2* £12 overlimit fees, LBA issued early Nov..... awaiting news

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Guest Battleaxe

Moodymulder, you might have just opened the floodgates. i am going to get back my £10.00 late charges for the last two bills..better in my pocket than theirs.

 

letter being posted tomorrow...hehehehehe.

 

Stevenelmes, no way would I pay my bill by DD for a discount. Discount if bill paid on receipt like I always pay, ring them up and make them do the work the hard way.

 

I am a miserable person. I like my money too much. i think the habits of a certain yourkshire man are rubbing off on me.

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  • 2 months later...

Neighbour has just told me that BT are planning to increase their late payment charge to £10...... disgusting.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 10 months later...
Hi,

 

I just had the £5 late payment charge from BT refunded after sending them the template available thru this website about letter before action.

 

 

Could someone please tell me where this template is located in regards to BT charges? I would like to use it to get back some of the charges that BT has included in my bills.

 

Thanks :)

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Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...

Hi All

 

On the subject of what it actually costs to disconnect and reconnect a line I asked our local BT engineer and he said it could be done with a keyboard command so the actual cost would be about 1 minute of a persons time. The cost would be even less if that person happened to work in an Indian Call Centre.

 

My own experience of Telecom billing is that there is a sophisitcated billing engine running on a big computer in a data centre somewhere. This machine just follows the processes and if, after the set dates and times, it has not seen a credit on your acount it will automatically disconnect you.

 

When I have paid late using a debit card through BT's automatic system it seems to take about 24 hours fo the line to come back.

 

This could indicate the attention of a human but I wouldn't bet on it.

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