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  1. My husband pranged his car in January after skidding on ice on a country lane and turning the vehicle over. There was substantial damage to the side of the car and due to the engine being upturned for some time this resulted in it 'blowing'. Undrivable (due to engine failure) we arranged for our friend to tow the car back to our private property. My husband claimed on his insurance - Groupama - who immediately sent an engineer to view the car, deeming it a 'write-off'. He liaised with Groupama over the phone and negotiated a settlement figure and agreed that he could keep the vehicle in order for him to sell the parts for spares. He received a letter from Groupama with his settlement cheque stating that the vehicle was a Category C write off, that his insurance policy was now terminated and that in order to re-insure the vehicle, he must apply for a VIC. He was also asked to surrender the MOT. The car in question has stayed on our land ever since, until this week, we finally found a buyer the spares. Yesterday my husband and a friend, pushed the car (remember it has no engine) from its resting point to another position (still within our land) so that the buyer could easily push it on to a trailer. He then popped to the shops, returning 45 minutes later to find it clamped! It was a DVLA clamp! What a nightmare, the buyer was due to turn up within another hour, and my husband had to go to a funeral, so his secretary called the number on the warrant to be told that the vehicle had been clamped as it had no TAX and had not been declared SORN. She was told that regardless of the vehicle being on our private property, they were allowed to clamp the car. Obviously due to the iminant arrival of the buyer of the scrap he needed to have the clamp removed asap so the secretary paid £260 fine. We were under the impression that as the car had been written off that we did not need to apply for SORN as it states this on the Direct Gov website: http://www.direct.gov.uk/en/Motoring/OwningAVehicle/UntaxedVehicle/DG_069727 and as my husband had surrendered the MOT, and the vehicle cannot be insured until it has passed a VIC then it would have been impossible to tax it! Anyway, husband called the DVLA this morning, to be told that there was no record on their system of the car being written off, only that it had been involved in an accident and that it was my husbands resosponsibilty to SORN the car. My question is this - surely it is the responsibilty of the Insurer to notify the DVLA that the vehicle is written off? Don't they have to log this fact with the ' motor insurance anti fraud and theft register' and the 'Motor Insurance Database' ??? What should we do next? Ideally we would like to claim back the £260 from the DVLA Any ideas????
  2. sorry i forgot i already posted this question!
  3. Hi Surlybonds, Sorry I am confused! Out of the 10 loan applications we made, we actually only entered into one contract. I assume therefore that we cannot diassociate ourselves from each other as we have a current agreement together, however, is it still possible to remove the other applications?
  4. Hi I have a question that I hope someone can answer. I have received my first credit report from Experian as I was concerned having received Default Notices from a loan and credit card. Expecting to see the word 'DEFAULT' in big black letters all over the show - I was surprised to see that it is merely a number 8-9. I notice on a couple of other accounts the code shows 2 or 3 which suggests that I am behind on payments which is a bit bizarre as I think I am up to date with most so I will investigate those, but with regards to the default thing - pehaps the banks were threatening me with Default but haven't actually entered anything?! Or do different CRA's display the default in different ways? Also, if a account shows as 'settled' how can the payments code still show as 3 (which I understand means 3 months late?) surely once settled this should show 0 again? confusing or what?! any help gratefully received.
  5. de association from the 'lenders' ??? or from my husband?!
  6. Certainly feels that way! I've only just begun, but I want to make sure that I understand exactly all the various implications of the claim process - feel like I have read about 100 books in the last week! Think it will be all worht while when we get our money back!!!
  7. PS. do you think it is worth writing to the loan companies and requesting that they remove data from CRA's???
  8. Hi, they show up on the credit report under financial associations with the type of association listed as "Joint Application" in each case. Basically we applied online to about a load of leanders.
  9. Hi Y'all. I have just received my credit report and wondered if anyone could give me some advice. My husband an I were shopping around for the best deal on a loan for our car and unbeknown to us these our applications all show up on our credit reports even though we have not proceeded and taken up the credit. Is there anyway that we can remove these from the file? I have since read that when looking for a loan you should ask for a quote not an application eek! If only we knew....
  10. When I sent the prelim letter in May, I had not fully prepared myself and read up enough on the step by step process. Had received letters from Bcard saying they were dealing with complaint. I know I'm a naughty girl for not doing my research and letting it slip, but have been reading loads this past week and ready to take them on. Thanks for your advice.
  11. Hi Caro, Thanks for picking up on that! I was a bit confused about another claim I am making against Barclaycard - I sent prelim in May and have only just received response. So I know now that next step on that one is the LBA. Feel like I am getting to grips with it all now. If I win all my claims, I will have paid off half my debts! What a great feeling that will be.
  12. thanks for your help. much appreciated
  13. Hi, Received a letter this morning saying that the account has been closed. Will be looking for an alternative parachute now then!
  14. Hi Caro, Thanks for your message. It's great to know there's so much support of this site. Having sent off the SAR. I found a few more statements last night, so I think I now have them all back to when the account was opened in September 2004. Total charges = £2216 !!! Do you think I should wait until stuff comes back from SAR in case there are any discrepencies? Or carry on with LBA and schedule of charges?
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