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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can't Find What You're Looking For? Here's A Complete A-z Index


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Well done from me as well, very usefull

 

clickity click on the scales I go

 

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 2 weeks later...
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Fantastic stuff ... gonna save me oodles of searching time n tired eyes! :D

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 4 weeks later...
  • 3 weeks later...

Hello there,

 

Great Index and you obviously spent a lot of time on it...I don't see Northern Rock listed though?? Surely I can't be the only one in the country who's been ripped off by them?? Or am I the only one who wants my money back?

 

Please could you point me in the right direction or alternatively help mefind out what I can about them?

 

Thanks,

 

Survyva

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Hello there,

 

Great Index and you obviously spent a lot of time on it...I don't see Northern Rock listed though?? Surely I can't be the only one in the country who's been ripped off by them?? Or am I the only one who wants my money back?

 

Please could you point me in the right direction or alternatively help mefind out what I can about them?

 

Thanks,

 

Survyva

 

Hi there - It seems that most claiming against Northern Rock post their threads in the 'other institutions' forum - here's the link ...

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/

 

hope that helps? :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi CHezt, and thanks :) I'll go there right away and see what I can find out.

 

Survyva :)

 

ps Feeling more optimistic already :)

 

Good luck & make sure you have a good read before you get started with your claim :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 3 weeks later...

Michael, you're brilliant - thank you. Am new to the site and finding it hard to re-find gorgeous posts/links after going out of them. How do I 'save' the A-Z list or 'make it a sticky' ??

Lloyds Subject Access Request Letter sent 11-5-07

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Guest NATTIE

Michael, if i am blind(i could be of course) can you add a link for when amount of the debt is in dispute ie they are claiming and the bank send a letter to them asking for it all back at once. Thank you

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Michael, if i am blind(i could be of course) can you add a link for when amount of the debt is in dispute ie they are claiming and the bank send a letter to them asking for it all back at once. Thank you

Have you got a link. Can't find it myself and I've only got it as a Word doc.
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Guest NATTIE

no that is why i asked you because i thought you would surely know. I couldn;t find it either.

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Michael.

Just popped into this discussion, and by co-incidence RCR50 is showing concerns on his own thread regards the possability of the Bank calling in an overdraft in retaliation to his actions.

I recall that there have others in similar positions who then wrote sucessfully stating that the Bank could not do so whilst the true amount owing to Bank was in dispute.

Any thoughts or links I can pass on?

Photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Michael, you're brilliant - thank you. Am new to the site and finding it hard to re-find gorgeous posts/links after going out of them. How do I 'save' the A-Z list or 'make it a sticky' ??

 

You could simply add it to your favorites

XxXxX

:p

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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  • 3 weeks later...
Michael.

Just popped into this discussion, and by co-incidence RCR50 is showing concerns on his own thread regards the possibility of the Bank calling in an overdraft in retaliation to his actions.

First, I can't find where to post my first post, introducing myself. So this is it!

 

Secondly, I'm posting here because, like photoman, I'm wondering if LLoyds might call in overdrafts if I try for example, getting my salary paid in to another bank (more than twenty years with Lloyds, but I'll need to open a new account at another bank).

 

I haven't claimed charges back yet, but they've just begun to get totally over the top. Now I really understand why people end up in ludicrous situations owing stupid amounts of money.

 

My charges only amount to a few hundred since beginning of the year, but extra interest on a couple of overdrafts (exceeded by less than £20!) is way too much too.

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First, I can't find where to post my first post, introducing myself. So this is it!

 

Secondly, I'm posting here because, like photoman, I'm wondering if LLoyds might call in overdrafts if I try for example, getting my salary paid in to another bank (more than twenty years with Lloyds, but I'll need to open a new account at another bank).

 

I haven't claimed charges back yet, but they've just begun to get totally over the top. Now I really understand why people end up in ludicrous situations owing stupid amounts of money.

 

My charges only amount to a few hundred since beginning of the year, but extra interest on a couple of overdrafts (exceeded by less than £20!) is way too much too.

 

Priesty

 

Firstly, the answer to your question is contained in the very first link of the very first post of this thread.

 

Then;

Read the Frequently asked questions here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

DO READ THE STEP BY STEP INSTRUCTIONS !!!!!!

As you go on, you’ll also find this very helpful:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

You’ll then need to start your own thread;

Go to here:

http://www.consumeractiongroup.c o.uk/forum/

 

Find the name of the Bank your action will be against.

Click on it (the name of the Bank in Bold Blue)

On that page, you will then find a label saying "Forum Tools" (just under the list of page numbers).

Click on it. It will show you some options.

Firstly, it's a good idea to subscribe to the Forum ,as you'll then recieve updates from people in similar situatioins against the same Bank. So click on Subscribe. It will ask how often you want updates (Personally I like Daily).

Once Subscibed to the Forum it will redirect you back.

Hit the same button and choose "Start new thread"

Give your Thread a title eg: yourforumname v whatever bank

(choose how often you want updating by email if anyone posts responses in your thread)

 

Then your up and running !:-)

 

Whilst your there, you might want to take some time to have a look at some of the threads by people taking action against your same Bank, very helpful. Remember, any threads you want to follow, you can either choose the thread tools button, and choose subscribe to thread, or simply whenever you make a post in a thread it will automatically subscribe you to that thread.

On the main page I've posted above, you'll also find lots of highlighted "stickies", which have lots of very informative stuff in them too.

Once your ready to start , you’ll need to do a schedule of charges to submit to the bank, try this one:

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Best regards and good luck

 

photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just found this Index - thanks MB.

I do have a question though on the Court Bundle:

Why, if we have to send a copy of the court bundle to Court & Solicitors before attending the Court Date, does it say we have to take three copies along to Court in a ring binder as suggested in your Index? :confused: :confused:

amber_ellie :)

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Thanks MB but when sending in your Court Bundle I know you do three copies for Court, Solicitors and yourself.

However when I read this thread it says to take three copies along to the Court date??? Possibly it should be altered ???? as we don't need to take another three copies along.

amber_ellie :)

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Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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