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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 - 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 in Westminster - 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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Confused - claiming charges when i still owe them?


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2000 I had an account with a say Halifax and a 800 overdraft,

2002 It incurred charged that spiralled out of control – I stopped looking after £1500+

2003 Account closed

2004 It was passed to a debt collection agency and the total was around £2400

 

Now I have been having issues with the debt collection agency as after I started paying them I found this great website (you can read my story there if you search the post…same username):

http://www.grumbletext.co.uk/vt.php?t=1331&postdays=0&postorder=desc&subj=complaints+Capquest+Debt+Recovery+complaint&start=0

 

basicaly i have been paying the collection agency and then asked them to prove its their debt to collect - they cant do it!!! and halifax said its not there debt anymore so the collection agency have to provide the information that it was sold to them.

 

Now I understand how to approach Halifax for the charges back…the problem is as I see it I really owe them £800 for the initial overdraft etc as it was never paid off before it closed – how do I stand with claiming when I owe them…

 

do I claim and then pay what i owe out of the claim (as it will be more in charges than owe) or do I owe them nothing as its now owned by CapQuest (albeit they cant prove this!) or indeed can I just not claim as I do owe them the £800?

 

I’m confused – sorry if this is a bit jumbled!

People who haven't made mistakes, haven't made anything!

 

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Still make your claim as whatever you get back will come off the amount you owe them. Go through the whole procedure in the same way. DPA - Prelim letter - LBA. You may find that they owe you more money than you owe them and you still get money back, if not you will still owe less.

 

Post your progress in the relevant thread in the BAG part of the forum.

 

Good luck

 

Steve

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

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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Still make your claim as whatever you get back will come off the amount you owe them. Go through the whole procedure in the same way. Data Protection Act - Prelim letter - LBA. You may find that they owe you more money than you owe them and you still get money back, if not you will still owe less.

 

Post your progress in the relevant thread in the BAG part of the forum.

 

Good luck

 

Steve

 

Thanks Steve - i will start proceedings this weekend and start a thread in the relevant section (unless someone wants to move this one for me?)

 

@ eastie

 

i'm not sure how this is relevant to my post but banks are allowed to charge interest for overdrats as after all your using there money - what they cant do its charge you for exceeding it, bouncing items and anything else (i think!)

 

having said that i have a £1900 overdraft and its only £6.55 a month (nationwide) are you exceeding your limits as interest is normally higher on unautherised stuff

People who haven't made mistakes, haven't made anything!

 

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basicaly i have been paying the collection agency and then asked them to prove its their debt to collect - they cant do it!!! and halifax said its not there debt anymore so the collection agency have to provide the information that it was sold to them.

You could be on a winner here.

If the DCA cannot prove its their debt and the Halifax say its not their debt, you can still claim the unlawful charges from the Halifax then request a refund of monies you have paid from the DCA.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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You could be on a winner here.

If the DCA cannot prove its their debt and the Halifax say its not their debt, you can still claim the unlawful charges from the Halifax then request a refund of monies you have paid from the DCA.

 

 

mmm...i thought that to begin with, now i'm not so sure as i have had a letter off the DCA today - i'll start a new thread RE CapQuest and their appauling treatment of this account and get peoples comments ... i hope this can be resolved!

People who haven't made mistakes, haven't made anything!

 

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