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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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Ok, so I am really scraping around for the costs I'm going to need for this. Even though I'm certain of getting my money back there is always the chance of somehting changing before my own case(s) come up, or somehting else going wrong.

 

So my plan is to go for the most likely claim first and then if successful use the money to fund all the rest. I am owed between 4 and 5 grand each from -

Natwest

Natwest Mortages

Mint

Egg

MBNA

 

I can't find a lot of cases going on with any of these, except Natwest where the only successful claims have mainly been smaller amounts.

 

Any suggestions?

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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To be honest, I would look at your charges and when they have occured.

 

Remember you can only claim back 6 years, generally. So choose your bank with the oldest charges on first and work it that way....

 

Hope this helps... and makes sense.

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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They all go back to at least 2002. Natwest go back to 1996 and in the last 6 months their charges add up to £1200 as do most of the others.

 

Basically, as I can only go back 6 years, and if I want to stay in small claims I'm limited to 5k anyway, it doesn't make much odds. The main thing is that the first one I claim goes well.

I know they all should do but my situation means I'm pushing it to get the money to do the claims in the first place so I'm going to be fretting until I start getting something back.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Well now, Halifax were taken for an amount of about 12k I think - way above the small claim limit - and they of course STILL paid up.

 

Also, I think that we've all had lots of letters by now claiming that the T&C's are legal and the charges are a fair reflection of costs etc...

 

This, I believe is a deliberate deception, and therefore as you were deceived from knowing the truth about their debt to you, then they have excluded themselves from the statute of limitations.

 

It's up to you, but if I had 'my time' again, then I would definitly pursue that angle.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Hmmm

 

That's interesting. I hadn't thought of that angle before. Using the denial to remove the limitiation. However, the banks are only legally obliged to keep information for 6 years, and I doubt they'd admit it if they did have info going back further.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Also, I think that we've all had lots of letters by now claiming that the T&C's are legal and the charges are a fair reflection of costs etc...

 

This, I believe is a deliberate deception, and therefore as you were deceived from knowing the truth about their debt to you, then they have excluded themselves from the statute of limitations.

 

It's up to you, but if I had 'my time' again, then I would definitly pursue that angle.

Just read this and it could be that NW are paying up without much argument is to keep withion the Statute of Limitations.

It seems strange that just refund the money with no prior or post refund correspondence

Brian

Claim against Nationwide

6 years charges £1973

prelim letter 10 April

Charges refunded 15 April

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You may find Bookworm's case interesting (see Natwest forum). Sent a cheque for full settlement asking to sign a NDA. On refusal, they basically said no, this is settlement in full but we don't admit liability. If they had any conviction that they were correct they wouldn't have done this. It's like they really don't want to go to court in this case, but then others they file what looks like a well thought out defence.

 

I'm gonna grow it back you know! 3 years now with nothing on my chin to stroke! (Please forgive my crap humour - I have drunk far too much coffee.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Well now, Halifax were taken for an amount of about 12k I think - way above the small claim limit - and they of course STILL paid up.

 

Also, I think that we've all had lots of letters by now claiming that the T&C's are legal and the charges are a fair reflection of costs etc...

 

This, I believe is a deliberate deception, and therefore as you were deceived from knowing the truth about their debt to you, then they have excluded themselves from the statute of limitations.

 

It's up to you, but if I had 'my time' again, then I would definitly pursue that angle.

 

Dave, surely this is a profound point you've made here or am I missing something? If they are saying their Terms & Conditions are fair - are you saying they are deceiving everyone as they know they have charged us more than is fair? thus excluding themselves from the Statute Of Limitation? If so, this could be the very foundation to everyones claim - put me right if I am out of sync.

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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