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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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RBS - PPi and life insurance on same claim?


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Positive update, I think!

 

I had another RBS lettter referring to the mortgate protection plan this time.

 

I believe this was 1999 at £7.00 a month which may have stopped in 2003?

 

Then in 2003 at £5.00 a month a Life protector descreasing term assurance, this is still collecting but with Aviva.

 

There are no dates or account numbers but the letter says PPI refund £800.000 odd, interest at £1k odd, minus £200.00 tax , offer of £1700.00 ish.

 

Unless there is another PPi review on going, this may it for the PPi and Life protector, which is possibly not enough as even £5.00 a month over 20 years is £1200.00 but they are quoting £800.00 as refund.

 

What is my best move now please?

 

Cheers

 

E!

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check their data...

if you haven't got it ask for the data they used to calculate your refund.

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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I have some data!

 

Called and was told it was mortgage protection plan from December 2000 until May (first advisor said August) at £16.00 a month which they make £817.00 and I make £866.00 or £915.00 depending which month you choose, I guess I should question their figure?

 

They advised there is an overfraft and mortgage claim still waiting assesment?! which I have no idea about!

 

What I do know, is I have paperwork and policy number for a mortgage PPi which started December 2000 but was for £7.00 a month, so confused!

 

The other one is this RSA Life protector decreasing term assurance which started in 2003 at £5.00 a month, was advised I must have with the mortgage , transfered from RSA to Aviva in 2011 and is still going! Have paperwork and policy number for this.

 

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

 

Please advise on the best way to approach this.

 

Many thanks

 

E!

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rubbish

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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Share on other sites

23 hours ago, NGEddie said:

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

 

it was not an endowment mortgage!! so it's PPI.

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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Share on other sites

Ok thanks.

 

So do I write or email quoting the policy numbers and ask them to investigate this too then?

 

Being honest this started in 2003 and cannot recall exactly how, but know I was advised at some time I needed to have this alongside a mortgage?

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you have already started a PPI reclaim, it should be included in that.

you cant start a new claim as new claims are now time barred..

 

you need to make it clear to them, that it was NOT an endowment mortgage so there was NO requirement for a life assurance policy, so whatever it is , it was missold protection.

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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Share on other sites

The letter was advising I did not have PPi on an overdraft, weird!

 

you need to make it clear to them, that it was NOT an endowment mortgage so there was NO requirement for a life assurance policy, so whatever it is , it was missold protection.

 

Am I best to email or write?

 

Dear PPi team

 

In your letter dated xxxx you have confirmed I was indeed mis-sold the mortgage protection insurance, but have not mentioned the life protector assurance which started on xxxx at £x.xx per month and currently debiting my account. I was advised by yourselves the mortgage protection insurance and RSA Life protector decreasing term assurance were compulsory for my situation and type of mortgage. My mortgage was not an endowment mortgage and now know there was no requirement for a life assurance policy.

 

Sound ok?

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  • 2 weeks later...

why not simply say...

 

My mortgage was not an endowment mortgage , there was no requirement to have any insurances, whatever their name.

please refund all insurances , they were all a form of payment protection.

 

 

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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Share on other sites

what about the papertrail if you have to goto the FOS?

 

 

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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Share on other sites

As they have already acknowledged the 'payment protection insurance' been mis-sold, this should be ok?

 

Thank you for your letter dated xxxx which advises you are upholding my miss-selling of PPi and associated insurances complaint.

 

My mortgage was not an endowment mortgage, there was no requirement to have any insurances, whatever their name. Please refund all insurances, they were all a form of payment protection.

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I would like to send this next week ideally, if reads ok?

 

I wasnt sure if to quote the reference number of the life assuarance in  the second paragraph somwhere?

 

Many thanks

 

 

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I wrote to you on xxx august 2019 wanting to reclaim the numerous compulsory protection policies you made me takeout in year concerning

 my mortgage agreement number xxx dated xxx.

 

you replied in letter dated xxx concerning a payment protection policy but appear to have failed to address the RSA Life protector decreasing term assurance {policy number xxx) which transferred from RSA to Aviva in 2011, which I point out i am is still paying to date, within your above ref'd offer letter.

 

i should not need to point this out, but, the Mortgage i signed upto was not an endowment policy, therefore there was NO legal requirement to have, nor should you have made, either policy compulsory. The only beneficiary was yourselves through ultimate direct payment should I die settling your mortgage sum.

 

please address this issue 

 

 

  • Like 1

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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wasting money by using recorded is not needed on most letters 

  • Like 1

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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Share on other sites

  • 2 months later...

I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up. 

 

Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!

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simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court.

sorry but no speaky..speaky

 

you night find this interesting?

 

https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life

 

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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Share on other sites

  • 1 month later...

Thanks dx, interesting article and good on Aviva

 

Got a letter from RBS...

 

'Our dept only deals with PPi and a separate complaint would need to be raised with the decreasing term insurance team. We have asked this team to contact you'

 

What do you think the next best step is?

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  • 3 weeks later...
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