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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
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    • 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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    • 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.
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clarion48 vs Abbey ****WON****


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Hope this thread is not to late.

 

Sorry to read about your problems. But unless I am mistaken a contract can not be enforceable if their is imbalance within it and the fees are only suppose to cover the admin so anything over that is unfair and so unenforceable?

 

On the OFT web site, under PN09/00 3 February 2000.

 

Court says First National Bank used unfair contract term. (First National ,a subsidiary of Abbey National).

 

To type this all out would take 1 finger wonder here hours.

 

But the court of appeal ruled that first National Bank was acting unfairly in the way it charged debtors.

 

In the notes 'The Office took action under the Unfair Terms in Consumer Contracts Regulations' these are the same rules we are working under so the banks know their charges are unfair.

 

Also in a paper 68/06 5 April 2006

HEADING; Current credit card default charges unfair.

 

There is plenty of information in this paper. But the one I liked is where they said that, in paragraph 3, " A Default charge is not fair simply because it is below 12." (12= £12)

 

They have to justify their charge if they cannot they have to refund the full amount.

 

I also have tapes of radio programs that have been on BBC and ITV and on the Money Program, 12th December 2006, 10pm.

 

"The Ombudsman staff were happy for customers to accept Banks offers but no longer. Last Month the Ombudsman told the banks to prove their penalties were legal or pay their customers claims in full."

 

Walter Merrick's (Chief Financial Ombudsman) said that...

 

"What I've said to the Banks is I do need them to help me resolve these complaints by either offering to refund 100% of the charges that people are claiming, or if they are not prepared to do that and they want to argue the point then I have to start down the road and investigate myself."

 

You maybe able to write to the BBC to try and obtain a copy of the transcript of the program and use some of the quotes from the program.

Their were some very interesting people on the program, including a Barrister!

 

Stick to your guns and get enough information as possible form this site.

Also just looking through my file I have found some info that was sent to me from some working on behalf of the CAB.

 

Headed; Penalty Charges on Credit Cards and Current Accounts.

 

St Austell CAB outline the law relating to bank charges and how these might be challenged when excessive.

 

It was under Quarterly Account issue no. 78 Winter 2005/2006.

 

Hope this helps and that anybody else who has info for you can post helpful address.

 

Please remember we have all struggled against the Banks. But their are great people who have helped us on this site. They have been invaluable and gave us strength.

 

This money is legally yours, and be as strong as you can.

 

Good luck from 'The Grim Reaper' (the Banks boggyman)

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Postie just arrived........guess what?......a letter from Abbey.

 

They have decided in view of their cost in defending this claim.....and without admission of any liability......to settle my claim in full.....somebody please hold me up......think I'm going faint!!!

 

Cheque is on its way...yippee!!!!!!!!

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CONGRATULATIONS!!!

:D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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CONGRATULATIONS!!!! Thats fantastic news that they are settling in full and about time!

 

Have just been reading through your thread and looking forward to hearing the outcome.....then there was your exciting news! SO PLEASED FOR YOU !!!

 

I have just filed N1 on 15/6, deemed to be served 20/6 and Abbey have until 4th July to reply so just playing the waiting game myself now and hoping for a successful outcome such as yours.

 

WELL DONE ON RECOVERING YOUR MONEY.....BRILLIANT :lol:

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Thanks to you all......I am elated at the moment!! Just phoned my sister to tell her....it's PARTY TIME!!

 

No, MJ, no cheque in the envelope.....they said it is being raised and will be sent to me.

 

CF........did this three-legged horse win?!

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All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Thanks so much to all of you who have been a tremendous support..... Bonnie, CF, Robdblynd, Kia, Cassie, Icy, Villafan, Foxy, GaryH, Lateralus, Andy etc, etc and to name just a few......sorry if I missed anyone out. You have all been brilliant and I definitely could not have done it without you.

 

A brief rest while I'm waiting for the Information Commissioner to kick Abbey's b**t and give me my credit card statements....then I'm off again!

Will of course still be around gathering info, and helping anyone else who needs it.

 

CHEERS!!!!!!!!!!!!!!!!!!! xx

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WELL DONE YOU!!!

FANTASTIC NEWS! - Thought it was you I heard screaming from the rooftops this morning lol x

 

So pleased for you - best of luck in the future

 

Jo xxx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Thanks Traci.......I'm absolutely elated.......so what I needed today. Will be home late tonight but hope to catch you "somewhere" then.

 

Jo......thanks for your good wishes. Yes, it probably was me shouting from the rooftops! All the very best to you too.

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