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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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Kitesurfer v Natwest


KiteSurfer
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Hi,

Posted yesterday in the welcome forum to say hi, but now have started this thread and one in nationwide.

 

Sent SAR on 11-04, received my statemnts about a week ago, found this site yesterday and have now completed my spreadsheet.

 

I used the 1.9 spreadsheet and included interest at 29.5 % as that is what they charged me for unauthorised borrowing.

 

Penalties come to 1600, with interest paid this is 2200.

Once I add contractual interest this rises to 4300.

 

The preliminary letter does not seem to take the contractual into account, but Im sure I saw a post last night pointing to a preliminary letter that did (it was late tho).

 

Going to have a look around the forums for more info on contractual, but have to say, my account has been OD almost all the time its been open, and they have ben charging me unauth charges almost every month - if I can I want to get my own back!!

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Hi there, you can just use the prelim letter and adjust it, i.e. just add the bit about wanting to reclaim contractual interest. You dont have to use one set in stone, just add in the bit yourself about reclaiming contractual interest as well. Its easy really............. just substitute the bit for overdraft interest with CCI instead. All the best. Fendy xxx

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Fendy,

 

Just to be sure I am on the right track..

 

I have amended the 'What I require' section as follows with the figures from the v1.9 spreadsheet as follows:

 

What I require

I calculate that you have taken £1605.30 plus £617.75 which you have charged me in overdraft interest for the sum which you have taken, Total £2223.05

I am claiming £2,243.80 in compound contractual interest at your un-authorised borrowing rate of 29.5% under the principle of mutuality and reciprocity, which applies to this account.

Total £4466.85

 

I enclose a schedule of the charges which I am claiming with this letter. The total amount owed will increase by £1.59 per day until satisfied as a result of the compound contractual interest rate at the advertised unauthorised borrowing rate

 

This is slightly different to your suggestion, but seems to make sense. I am unsure of the wording.

 

I have an additional concern about the daily rate.

I used the v1.9 spreadsheet which I have taken all the figures from, and it gives the daily rate on the C.Interest Daily tab, but when I changed the 'claim until' date by 1 day the total increased by £3.17 not £1.59

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hi

 

your wording looks good 2 me

 

 

also i used the same spreadsheet and it does work out the daily rate correctly so just check all your charges on the s/s and rerun it again and if the figures are the same i would be confident that the daily rate is correct

 

Scott

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Haven't heard of any retaliatory action for a while to be honest with you!

 

If you haven't had any problems with the overdraft (i.e., NW sending letters about it!) I wouldn't worry about it. I've got one for £500 less than you at the moment - and I'm plodding on regardless!!!

 

I suppose a parachute account would give you a bit of peace of mind though - so it's up to you!!!

 

Good luck, hedgey xxx :p

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Cheers Hedgey,

they havent sent me a letter for ages, funny though, Im keenly awaiting their next one :D

 

I'll see how it goes with the acct

 

Good Luck with yours too,

I havent even got as far as reading about an N1 yet!!

Kitesurfer

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Kitey, you have signed an agreement for your overdraft. As long as you keep to that agreement you will be okay. They would be in breach of contract if they withdrew your overdraft without a good reason.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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You will like it a whole lot more when you get that money back, believe me............. AND YOU WILL, ITS JUST A CASE OF WHEN and not IF. Lol Lol xxx Were all right behind you, shoving you onward and upward to the next step. Shoving gently I might add. Lol xxxx

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Just received letter stating they are currently considering my claim and anticipate they will be in a position to respond in 6-7 weeks.....

 

As they have not entered into a sincere dialogue is it straight onto the LBA now... or do I need to wait 14 days...

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If you've sent them the prelim - waited 14 days - not had an offer.................. send them the LBA and give them another 14 days to respond!!!

 

This is your claim - not theirs, so you set the timescales - not them!! Tisn't your fault they're snowed under with claims and can't cope with the backlog........... so get yer LBA sent 1st thing Tuesday morning!!! xxxx :D

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Whoops - thought yer deadline was up!! Lol......... teach me not to read back through the threads!!! Hang on till the 4th - then............. you know the drill!!!!

 

Good luck, hedgey xxx

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Nothing wrong with a bit of impatience, but if it gets to the court stage.......... practice your patience! As our Parkie says........... patience is a virture - and much needed when dealing with cobblers and nat west!!!

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Hedgey, spot -on as usual. :)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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  • 2 weeks later...

Nice one......... another LBA in the post to keep the little workers at Borehamwood up to their necks in paperwork!!!

 

Have a look here for the next stage Moneyclaim and hardcopy claim compared it explains the pros and cons of MCOL or filing N1 at your local county court. I went with N1 - gave me loads of satisfaction to hand it in at my local county court!!! This thread's really useful as well Example Step-By-Step Instructions

 

Good luck, hedgey xxx ;)

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Cheers Hedgey - I've had a look through those, I'll have a think about whether to go mcol or N1..

 

Nice to see fendy and parky have won.. keeps everyone smiling, especially trying to follow the threads!!

 

:D :D

 

thx for yer help

 

Kitesurfer

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