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    • Thank you for the letters.   The second one shows you should have been in court two days ago and that they said they could decide the case in your absence if you weren't there.   Please wait for dx to comment but I think you need to wait for the letter from the court now. Do they have the right address for you?   HB
    • Got it, hsbc were aware, I told them and surely they could see the direct debits that had been going out of the account previously and that were now blocked.    10 months is indeed usual. I've never heard of it happen to anyone before but my gut feeling is that the lockdown had something to do with it.    I will write to the CEO and see what he/she has to say but to get a large amount which is at least equivalent to all them defaults should I go to the court or the ombudsman ?. The ombudsman has a long wait of over 5 months at the moment. I could go directly to court and as I'm on Universal Credit I'm exempt from any fees. 
    • you need to prove HSBC were fully aware, in detail, of the very serious nature of your predicament. i'll be honest and say as it stands , unless their account/comms log via an sar has notes or they have the phone call details, you don't appear to have been too bothered this was going on...from the evidence available.  a court would take the same view i think sadly.   you appear to have been more than happy to await some outcome where you believed they'd wave a magic wand and make it all correct again.   a letter from them to each establishment detailing their (HSBC) error and wanting defaults removed and the car returned and payments made upto date etc etc would be a good result, but i cant see that happening.   a 10 month delay is very unusual, we normally see these issues resolved within 6 weeks by most banks. i think the sar is going to be the key here.   but that doesn't stop you from WRITING now to the CEO and complaining, carefully but briefly detailing, by simple bullets points how their 10month investigation concluding it was their error has ruined your life and what are they going to do about it.    
    • This is the first letter I received it.   This is latest    docs1.pdf
    • I’m trying to post the images    If there any other way I can share with you the images? For some reason which I don’t know I can’t even post here.
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Car tax refund

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I was recently given an upgrading of mobility to enhanced estrangement to pay.I was not aware of had indeed been informed that over the last 3 years I should have only paid 50 % of normal rft any chance of a refund of the overpaid duty 


Edited by 23sopwith
Tablet spell checker rubnish
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i am not aware of any refunds being issued retrospectivity for years when you could have attained free road tax but simply didn't.


you will however gain a refund of any road tax already paid this year backdated to the start of the month you submit now.

don't forget you will need the certificate of entitlement number when applying now and keep that certificate safe as you will need it each year.

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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