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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  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so 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 so slightly longer than the original tax set up so 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. So 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 so 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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provident loan/wiseman debt collectors


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Hi

Peter once checked my provident agreement and came up with the following if it helps. I've contacted him again as I've just received a claim form from northampton. Will let you know what response I have from Peter.

 

The agreement is on page 356 of CCA thread

 

Re: Re Provident-(post 7117)

Quote:

Originally Posted by taurus66

Hi

I have onny glanced so far ut i see no interest ratewhich is of course a prescribed terms.

Also the apr is incorrect according to my calculations it should be 181%.

This could be construed as predudicial to the debtor in that the correct information was not supplied in order to make an informed choice and render the agreement unenforceable under 127(1)

I also take the point about the extortionate credit bargain.May i ask what the status of the account is currently.

PM me if you like

 

Best regards

Peter

 

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My partner recieved a letter yesterday from them advertising the interest rate at 183.2%.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi,

 

Did the agent witness the signature herself? Looks that way and they did the same with me.

 

They are supposed to take it back to head office to be approved and witnessed by the area manager but alot of them seem to witness it themselves.

 

Something to bring up maybe?

 

Good Luck

IVA Entry Removed

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Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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It sound like a good idea.

 

They will not issue legal procedings as they will have to much to answer. Especially when tou explian to the court they failed to send an gent round and they failed to send you anything to help you pay them back the money and the argument over the interest rate.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

had a reply from letter i sent.

guess what they have sent me another expenduture and income letter with notice of intend action across the top and asking for payment by the 16th jan/08 or they are going to take court action.

they are on about balifs and county couirt fees. aarrgghhhh. help

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Just send the letter again.

 

See what you get and tell them they have 7 days from recipt to reply to your letter.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 6 months later...

an update on these,

 

they ignored all my letters and i eventually made a standing order with my bank to them and i have been paying provident a steady £5.00 a month.

so i'm slowly paying it back for i don't know how long...

i asked them if they could reduce the amount as i'm on income support - they said no.

some one did mention about the apr being wrong as i think this would be my only option but could any one help me on that as that's why i'm repaying them as i don't know anything about apr...

 

help!

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You are in control of the standing order. Then u can change the amount to whatever you feel is within your means.

 

Write to them advising that due to the high living costs you are going to have to reduce the amount to something which you can afford.

 

If you want to talk about the apr then u need to speak to PT2537 about that as i am no good with apr either.

 

If you need any help with the letter then let me know.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 months later...

Just to warn all of you ... these 'legal' loan sharks are now reporting their loans to us to the Credit Reference Agencies!

I'm spitting blood about this!

Even though I've not missed any payments and my account with them is up-to-date this flippin door step loan will remain on my CR for 6 flippin years.

What 'legit' lender will lend to me now!

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  • 3 weeks later...
Just to warn all of you ... these 'legal' loan sharks are now reporting their loans to us to the Credit Reference Agencies!

I'm spitting blood about this!

Even though I've not missed any payments and my account with them is up-to-date this flippin door step loan will remain on my CR for 6 flippin years.

What 'legit' lender will lend to me now!

 

Sorry to be so thick, but I thought all loans you take out are put on your credit files.

 

What would be the problem for someone like Provident appearing on your credit file. Is it a big black mark? I ask because I may need to borrow £500 from Provident asap.

 

Tezzaa

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Provident are like a black mark. They are for the subprime really.

 

Not all loans appaired on your CRA in fact non of mine have so if Provvy were to mark anything it would be from 2004/5 so they can then remove it as it would be incorect info.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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