Jump to content


  • Tweets

  • Posts

    • 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 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

'Claire' v Natwest **WON**


Thailand
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6128 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

Guest NATTIE

thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.

Link to post
Share on other sites

Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx :p

  • Haha 1

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Link to post
Share on other sites

thailand with regards to the original post, can i ask if the account is over its limit as we speak? are the benefits the only thing going into the account? What has been the cause of it? was it a charge that took it over the limit or a DD? It the latter make sure she gets a copy of the DD's and Standing Orders on the account which you will be able to have a look through to begin with.

 

You know Nat, I called her today because I simply didn't ask enough questions and Lula's Appropriation post was enough to make me realise I debating it wasn't enough and I should get the answers.

 

I don't know the answers to these questions either:rolleyes: I will call again tomorrow and ask. Thanks for the support.( I was just going to wait for statements and see)

 

Nat, I probably should know better - but why does it matter if it was a charge or a DD that took her over? I can instantly see the difference but I am unsure of its worth.

 

Thai

Link to post
Share on other sites

Hey Thailand....... welcome on board with nasty west!!! Good luck with this claim.......... I think you're doing a brilliant job already. Best wishes, hedgey xxx :p

 

 

Awwwww, thanks:-) Anything to add a nail into the Banks coffins.

Link to post
Share on other sites

Guest NATTIE

at the moment just background info to be honest, it is getting a picture of things which can help. I think once the SAR is fulfilled then the picture will be clearer and i can help more if there are any questions.

Link to post
Share on other sites

Thai, sometimes it takes someone looking it from the outside to see things, ever heard the phrase "cant see the wood for the trees" well your are inside the wood ;-), thats what is so great about this site and the people on it.

 

oh and i have to ask, where on earth is Tangerine country? :D

  • Haha 1

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Arghhh, I'd have to rely on your memory rather than mine! I did go in the chatroom a fair few times, but real time multi postings left me baffled as to what was being said. I've a feeling we did - but can't quite recall. Note to self *knock the russian fluids on the head* :o LOL x

Link to post
Share on other sites

  • 2 weeks later...

Hi peeps,

 

Well an update rather sooner than I'd thought. I am completely amazed. I haven't really had a good read around the Natwest forums (I will!) so I don't know if this is standard, but Natwest has complied with the SAR in around 7 working days (still pinching myself).

 

I really don't know where to start with the plethora of questions that have been popping in my head over the last couple of hours, whilst highlighting like crazy, but if anybody can help me with a few, I'd sure be grateful. The info and plausible outcomes on all levels is spinning round my head!

 

Right, I'll probably have to subtract some because these charges are all over the shop, and change frequently and are not that clear to me, some may be for service and others are bewildering but, I think this is going to be a potential fast tracker and I've never done that:( ( having seen these fees etc, I can imagine Nasty West loathers are used too it?)

 

The quick calculation comes out at £5283.78 :-x (includes part month charge increases, I assume). I know for sure looking at Natties charges post it is going to over 5K.

 

The first thing that is concerning me is that the statements recieved run from 9th Feb 2001 to 29th December 2006. Why have they gone back too far, and stopped to early - is this tactics? Towards the end of these statements 'Claire' was running up hundreds every month - the figure would surely have been close to 6K if they had provided up until my SAR request.

 

Thanks for any help with this guys.:)

Link to post
Share on other sites

Guest NATTIE

Credit management services?? Did the account go there? Also recheck those figures, remember advantage gold cannot be claimed, hint £37, £29, £40.

Link to post
Share on other sites

Haven't seen Credit management services Nat, I don't think (god bless you for being online!)

 

I've seen loads of £37,£29 and £40 and loads of £9's amongst loads of other randoms. How do I find out from the statements if its adv Gold? it just says current account at the top.

 

I'm baffled!

Link to post
Share on other sites

Guest NATTIE

100% it is. There is two threads on the natwest sticky's by my good self that explains them, they may one or two that may not necesarily tie in, post on here and i will answer definitively. But £37, £29, £40 and £9 tell me that i am correct but among the first three of those, there is unarranged borrowing and claimable.

Link to post
Share on other sites

If I've understood that correctly, there's a fair bit to knock off.

 

Thanks for the help Nat, I'm going to get some serious reading done, and get a better understanding of how Natwest operates, and then post further.

 

Just had anther quick skim through, and all of the above numbers appear at some point, including £14 and £20 Unauth borrowing.

 

Thanks again.

Link to post
Share on other sites

Righty ho! I've got my head round all these charges.

 

Its going to be over 5K.

 

Natwest only provided 5 years 11 months despite asking for her entire banking history. I don't yet know how long she has banked with Natwest, but there is a running balance, so it does go back further.

 

I still don't understand why they have only sent up until December 06. If Claire hasn't got those 4 months to hand, I'll see if she's up for giving Joyce Tudor a call. I'm considering a letter to the IC for non-complaince, but will wait for 40 days to be up and phone calls etc. The Natwest fun begins.

 

There is only one charge I'm puzzled with now, £22.50 for 'copy statement fee' in Feb '03 - WTF?!

 

If I can't sort this out easily (re phone calls) I'll seriously look into the power of attorney thing.

Link to post
Share on other sites

Well, I'm a happy chappie this evening, I feel mightily relieved.

 

I've spoke to Claire today and managed to find out something that I should have known from the start that relieves me of all the potential problems I was worrying about. I was worried about Appropriaton and what the banks reaction would be (freebirds getting called into the bank was on my mind and having just lost my licence and the distance etc). Also needing signatures re non-compliance, and phone calls etc....

 

I could go on all night about my worrying:) but its all vanished, because it turns out the reason why Natwest only provided statements to Dec 06 is because the account was closed then (even though I don't see a closing balance?) She is now with RBS and in no cycle of charges.

 

So, I'll put in prelim in the next couple of days - the statements do go back beyond 6 years - just - but I think I've read they'll either pay them or they won't.

 

Has anyone any opinion on the £22.50 copy statement fee before I charge on?

 

Cheers,

 

Thai

Link to post
Share on other sites

Guest NATTIE

Yes, it was £2.50 per sheet minimum charge £5 at one point which changed about a year or two ago to £5 per request

Link to post
Share on other sites

Cheers Nat.

 

Prelim ready to off tomorrow, £4874 as ADV gold and I missed bank refung took it under. Claiming 23/02/2001 - 06/11/2006.

 

My BP wasn't doing to well when I noticed they had taken £538 in April 05, and similar around those months.

 

Gits!

Link to post
Share on other sites

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

Evening, good Caggers.

 

I'm having a little prob with this claim and wondered if someone could aid me in a little advice. The logistical one has been overcome, but I'm finding myself in an area I've never been into before, nor ever read about (I have read exactly where the info lies on HMCS, but its not sinking in!)

 

When I submitted my mums YB claim, it was via EX160 (exemption) and as she qualified, it was pretty straight forward. However, as this lady claims Serious Disability Allowance - she doesn't qualify, it sucks I know, but they must know why thats the case, as I don't. Which leads me to my question.

 

I now have to consider Remission (another way of getting this claim raised for free, or reduced), as this lady can no way afford it.

 

As I've said, I read the info - but I've got alot on my mind at the mo and it just refuses to answer my questions! HELP!

 

Anyone in the know know about Remission?.She has a wage (from partner) coming in at around 750-800 PCM, and her SDA. As this is is not from Income support with Serious Disabily Element, she simply won't get Exemption.

 

I realise its a tricky one, and I can ring the court - but I did that today and it was like banging my head against a brick wall - its all about circumstance and income/expenditure which I can appreciate.

 

I guess I'm asking if anyone out there has any experience in this, and what might be the best way forward?. Spoke to 'Claire' again today and is still not getting charged at new bank (not possible she says, I hope so), but I know for a fact - and having just done her income/expeniture, she can't afford the fees.

 

Anyone any ideas? :(

Link to post
Share on other sites

  • 4 weeks later...

Looking for a bit of advice:D

 

I haven't got round to submitting Court claim yet, the main reason being fees. Also problems with remission.

 

This shouldn't be a problem as I have an offer of 93% on my lap which 'Claire' is desperate to accept, and has signed the acceptance.

 

My concern is that it says 'paid into your account' which is closed, and that that it doesn't appear to be time bound.

 

I'm thinking I should write in stating as the account is closed, payment should be via check, and within 14 days.

 

Any thoughts?

 

Jeez, the letter could almost be generic:rolleyes: even though they have clearly reviewed this case. (Just forgot she doesn't even bank with them)

 

Thai

Link to post
Share on other sites

Well you could write back stating that you accept on condition that the money is paid via cheque for deposited into XXX account, dont forget about not accepting any confidentiality clauses and not being able to claim again, but if it is not stated in the letter then dont worry about it, oh and very well done :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...