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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
    • 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
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Ruthbridge Ltd & Hillesden Securities


LAN01
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I am really shattered after last night's drinking session (apologies for drunken posts lol) so will ahve a proper look in the morning and see what I can come up with.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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No problems Tiglet, the morning after syndrom eh? lol

 

I look forward to hearing what you have to say.

 

Take care

 

Lan

No one can make you feel inferior without your consent :)

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Good Evening,

If both Hillesden and Ruthbridge are stating that Welcome Finance is their client, or, that they act on behalf of them, the following is probable;

 

Ruthbridge act on behalf of Hillesden Securities (not Welcome Finance)..in their correspondence however, they want you to understand what and who the debt refers to, so rather than taking the time to make things clear (simply not in their remit), they make it look as though Welcome are in fact their client...they are not.

It is my guess, knowing Hillesden as well as i do, that they, as a company are ok with Ruthbridge doing this and if DLC (Hillesden) are stating that Welcome is their client also, it is because that in this case, they have not purchased the debt from Welcome, but are simply Managing the delinquent debt on Welcome' behalf and sub contracting out to a third party.

For the most part Hillesden are a debt purchase company and would normaly own the debt, but some of their portfolio relates to the above scenario.

Finally, as i have stated before, Ruthbridge do not take proceedings against anybody and all of the correspondence you receive from them and all of the nonsense they spout to you, is complete bluff. Some of the collectors may sound as if they know what they are talking about, but it is still all bluff becuase the more it sounds like you know what you are talking about, the more plausible it's acceptance.

Their motto is bull**** baffles brains, they just try to be a little more pursuasive with their style of bull****, that's all.

 

Good Luck

ITK

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Thanks for the insight ITK

 

I had gathered as much after reading one or two of your other posts. Ruthbridge have completely ignored my CCA request and as such I will be reporting them accordingly next week!!

 

I shall just wait and see what Hillesden do next

 

Lan

No one can make you feel inferior without your consent :)

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I need to respond to this agreement. Can someone please have a look and give an idea as to what I need to say to challange the integrity of the agreement.

 

Cheers

No one can make you feel inferior without your consent :)

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Am just subscribbing to your thread as my husband is in the same boat as you. Even the agreements are identical. His thread is

 

http://www.consumeractiongroup.co.uk/forum/general-debt/82783-welcome-finance-cca.html

 

I hope someone will be along soon to advise you. If you want advertise your thread on some of my threads. Ive been fortunate enough to of been offered alot of great advise from very intelligent people. :)

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Hi 120805

 

I have copied the agreement onto your thread so people can see it, hopefully we can both get it all sorted out!! :)

No one can make you feel inferior without your consent :)

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  • 1 month later...

Nothing at the moment, just sitting tight and waiting to see what they come up with next. Since Welcome aren't dealing with it themselves and the DCA's haven't provided any CCA except for Hillesden and they haven't bothered to chase me for it. I only CCA'd them as they were on my credit file and I didn't know what it was.

 

But I am ready to put up a fight if I have to.

No one can make you feel inferior without your consent :)

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