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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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jellybabe v Cahoot


jellybabe
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thanks Michael,

i decided to wait the whole 14 days.Like you said,it's only 5 days.

But i have to admit it's itching in your fingers;when you get a letter like that,

your first reflex is to say: "right thats it....i show ya!".:D

 

Anyway,will wait til the 11th.......they might change their mind and pay it all back in the next 5 days,HA HA HA:cool:

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  • 2 weeks later...
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Quick question......just noticed that i missed a couple charges out in my prelim.Can i just add these on to the total in my lba?Also,new charges have been added,can i add these up aswell?

My lba is going out on the 21st if i don't receive anything by tomorrow.

thanks

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yes, they are. It is best to wait the 14 days. Then in total you have given the bank 28 days to respon, which is resonable. Good Luck

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Hi Chimera,

Thanks for reply.I already gave them 14 days and another 10 days to reconsider.The additional 10 days will run out tomorrow.

I think it's time for my lba on Friday.I've got it all ready to send.

 

i have to admit......getting a bit nervous now!:oops:

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oops,forgot to say in my last post....i am on holiday abroad from the 5th August til the 15th August.But if i send the lba on fri,their timescale ends just in the middle of my hols (7th August).Would that be a problem? As obviously i can't check my post and won't know if they sent me a time sensitive letter,like a full refund or whatever.Or would it be better to wait til i'm back from holiday,or just state in my lba that i won't be able to respond to anything until the 15th August.Or just extend their timescale to the 15th August?

I am confused!hahahaha!Sorry about the rambling.

Any advice?

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Send the LBA as planned, with the 14 day deadline.

 

If it is that you don't file the court claim on the 14th day that is not a problem - in fact you are being overly-acommodating by giving them extra time to pay up before you commence litigation.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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just got my lba printed out,but thought i let someone have a look at it before i send it.

(my adress)

 

Friars House

Legal Department

PO Box 1981

Coventry

CV1 2BR

 

LETTER BEFORE ACTION 21.07.2006

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: *****************

 

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £765 of my current account and £450 plus £36.52 in interest of my Credit card Account. Total £1251.52.

I am enclosing a revised copy of the schedule of the charges which I am claiming.

 

I require repayment in full of this money and also cancellation of charges that are/might be due to be taken. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

 

 

Yours faithfully,

'cc:file'

 

 

 

Hope anyone could maybe point me in the right direction if i should change anything or if it's ok to send like that.Also,i might change the interest amount for the credit card account before sending it,providing Vampiress is so kind to send me the new spreadsheet for credit cards.:)

Thanks for any help or suggestions in advance.

jellybabe

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just received following email of cahoot:

We are writing to let you know that we have reduced the fees relating to

your cahoot credit card. These were effective on 28 June 2006 and are as

follows:

 

- The fee for exceeding your credit limit has now been reduced from

GBP25 to GBP12

- The fee for making a late payment has now been reduced from GBP25 to

GBP12

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aaahhh,i just can't work it out.I will leave the interest for the credit card as it is.But the interest for my Current Account.....i just can't get a grip on that one.

Would it be ok to just add £50 estimated interest in my lba?And how would i word it?

I calculate that you have taken £765 plus an estimated £50 in interest of my current account and £450 plus £36.52 in interest of my Credit card Account. Total £1301.52.

Would that be acceptable?

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This is my revised lba.I will be sending it like that on Monday morning. I assume it's ok like that, if no one else out there says otherwise.

LETTER BEFORE ACTION 24.07.2006

 

[deleted]

 

[MODERATED: Letter removed - Letter templates are available in the templates library for registered users only]

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Hi barracad,

not been online since sat morning,coz lighting fryed my modem somehow.

Only just got back to notice you deleted/edited my last post.

Sorry,if i put anything there i shouldn't have.didn't know better.:oops:

Also,i haven't had no reply to my last post,and not sure if i can send the lba off with an estimated amount of interest or if i should leave it out as i can't proof the exact amount.Will send my lba off Monday afternoon, without the estimated interest if i don't get a reply by then,as i don't want to mess anything up.

thanks and sorry again,

jellybabe

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Hi jellybabe.

 

Are you having a problem with your interest for your current account because you don't have statements?

 

I received a list detailing the (many) charges over the years but I could not calculate the interest as I did not have any details relating to the balance account on the days when the overdraft interest was charged. Is this the same for you?

 

In the end I just put balance on the days of the overdraft interest into the spreadsheet from the past year (i.e. the ones available on the website) and claimed for them. I decided to leave the past overdraft interest charges and just claim for the overdraft interest I could prove.

 

I did this mainly because I have not had the account very long and the amounts would be small.

 

I hope this makes sense to you.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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Hi Abby,

thanks for your reply.I think i will do the same as you then.Might be safer only to claim what you can proof.I had a big list of printouts of them,not proper statements,which makes it really complecated to calculate.(well,for me anyway,hahaha).And also the balances don't add up somehow.My overdraft is only £500, but th ebalance sometimes shows over £1500.Which i know for sure never happened!

So,thanks for the advice,will send my letter before action now.:rolleyes:

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Good luck.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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  • 3 weeks later...

Back of my holiday now.

No good news in the post from cahoot.Got an email dated 8th augst, asking me to send my claim form to following adress:

Private & Confidential

Lee Loftus

Service Relationship Manager

cahoot

Friars House

Coventry

CV1 2ZA

Do they mean that this is the adress that i put in the moneyclaim??

Oh yes,and i've got another charge of £25, which will go on my claim aswell.:razz:

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I used the Abbey National Address, but if they are asking you to send the papers to that address then I would do so.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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Hi Jellybabe

Looks like im about the same position as you, I received that email from lee loftus this week, am waiting till 14 day deadlines is up as it coincides with payday, then will be MCOL! will be interested to see how you get on with this bank! Good Luck!

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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anyone got any advice about the following:

I am interested in claiming the higher rate of interest. i am about to do mcol tomorrow morning,but haven't mentioned the higher interest in my lba or any letter before that.

Can i still claim the higher interest when i file my claim tomorrow?Or is it better to just go for my normal interest rate and the 8%?

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I am not sure what the higher rate of interest is that you are talking about. I claimed for the 8% because it is the rate set by the court.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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yes, but a few others have claimed the higher rate of interest instead of the 8% as explained in the following thread:

http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html.

It states that you can claim the alternative amount of interest at the rate that the bank charges you instead of the 8%. you can only claim that or the other if i understand it right.for example if the bank charges you....say,29.8%...you should be able to claim that or an alternative lower percentage.All at the discretion of the judge.

And believe me, it could make quite a difference to a claim.

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