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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • 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  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  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, slightly longer than the original tax set up, 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. 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  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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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CCA/true copy dispute with Haliprats


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Cor blimey! They like to pass the accounts around dont they!

 

Im about to go down this road too having had a HFC marbles account be bought by Halifax. HFC provided an app form with no prescribed terms and I was in middle of complaints what the account went to Halifax.

 

Havnt paid anything to Halifax as a/c was in dispute when it was transferred so I think its about 6 months now.

 

Im sure it will go out to DCA's anytime.

 

SAR is due by tomorrow too.

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Hi underdog13 & joneseyblod!

 

How are you guys getting on? Hopefully you've been invigorated by the improved weather! :cool:

 

It's like pass the parcel (or 'poisoned chalice' if you're a DCA)!

 

I've never been so 'bemused'....! ;)

 

It'll be interesting to see who they pull out of the hat next.

 

Don't know about you guys, but I actually felt better when it was passed out to the DCAs - they're sooo incompetent! It's been a real confidence booster witnessing these clowns abandoning their fruitless quests and scurrying for cover! Should I be worried and seek 'professional help'....! :D

 

ftc.

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Hiya Ftc,

 

the DCAs love the old pass the parcel game, too. I had contact from 3 different firms for the same account in a matter of a few weeks.

 

Bog off letters are flying out at a rate of knots - I'm beginning to get a collection of my own template letters now:rolleyes:

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Hi underdog13,

 

Good to hear from you! Careful, you might end up with repetitive strain injury!:D I too have a nice 'weighty' file of letters and responses. I never really considered myself a 'letter writer' but know my fingers literally start to twitch everytime I spy a DCA looking envelope...!;)

 

ftc.

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I've also now been contacted by IQOR

(the new name for Legal & Trade)

 

The address on their letters is:

33-34 Winckley square

Preston

PR1 3EL

 

Their postal address is shambolic, and anybody trying to send recorded letters to them will often be told by the Post Office that it doesn't exist (?).

 

However, if you persist, then it will get to them.

(The Post Office clerk will just need to enter the address manually).

 

I've now had a response to a couple of formal complaints letters I sent, and been given the following contact details:

 

It appears that their "Complaints Coordinator" is a lady called:

 

Susan Myerscough

 

So address any communications for her direct attention, and lets make her work for her salary !

 

The email for the complaints dept is: [email protected]

 

 

Her direct phone number is: 01772 832002

 

Always best not to call these people if you can avoid it, and try to keep all communication in writing for your own records, and also to avoid being coerced over the phone into saying or agreeing to something you may later regret.

If you do feel you need to talk to them on the phone, or if your actually being persistently called by them, ask to speak to only this person directly, and....

REMEMBER TO RECORD ANY PHONE CALLS, AND INFORM THEM YOU ARE DOING SO.

Edited by photoman
  • Haha 1

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi underdog13,

 

Good to hear from you! Careful, you might end up with repetitive strain injury!:D I too have a nice 'weighty' file of letters and responses. I never really considered myself a 'letter writer' but know my fingers literally start to twitch everytime I spy a DCA looking envelope...!;)

 

ftc.

 

Yep, defo in danger of repetitive strain injury - wonder if I can sue them for damages if I do develop it?;)

 

I know what you mean about building up a file of letters; it's got to the stage where I have my own template letters that I tweak slightly to suit and send off to one after the other.

 

At least my templates make some sense and are actually relevant - unlike theirs:D

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  • 2 months later...

Hi everyone!

 

Sorry for the radio silence.

 

Just a quick update - Iqor never bothered to follow up.... (shock, horror)!!!

 

Have now received a lovely threatogram from Moorcroft - with 'intended litigation' not only written in bold BUT underlined too (ooohhh!). :rolleyes:

 

So it's another quick trip to the post office to fire off my 'bemused' letter.

 

As ever, I'll let you know the outcome! ;)

 

ftc.

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Good morning all!

 

Another quick update - Moorcroft have 'yellow enveloped' me! They have chosen to ignore my 'bemused' letter and responded with yet another letter from their 'pre-court division'. Only now they've put 'notice of intended litigation' not only in red and bold, but they've added a surrounding box....!:eek:

 

Moorcroft's letter is dated 29/06/09 but actually arrived on 04/07/09. They've now added Solicitor's costs (£100), Court fees (£240), Solicitor's costs for entering judgement by default (£35). This is how much my debt 'may' increase by.

 

They've kindly given me until today to pay the full amount - hold on, I'll just go and get my cheque book......:rolleyes:

 

My 'bemused' letter was sent by recorded delivery, but proof of postage isn't showing on the post office website yet.

 

Any advice on what my next move should be? :confused:

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  • 2 weeks later...

Hi everyone!

 

I've had another love letter from Moorcroft...:eek:

 

In their letter they say that they have contacted Halifax who have advised them that they have complied with the Consumer Credit Act and therefore no dispute is outstanding and the balance of £****.** is correct and payable.

 

They have kindly given me until the end of the week to pay up.

 

Has this happened to anyone else? Could someone please advise me on how to respond?

 

BIG THANKS IN ADVANCE.

ftc

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Hi ftc,

 

you can accept the praise - you gained the knowledge and applied it to your advantage, so well done you:)

 

My fight's going round and round in ever decreasing circles, with numpty creds claiming the earth is flat 'cos they say it is, etc, etc;)

 

Not really got any further, but holding them at bay so far (touch wood:D)

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FTC..

 

Well done, i've just read the thread through, and watched as i have with many posters, and love the transformation people make, from lost, bewildered, stressed individuals, into people, wll up for the fight, almost welcoming the mail in the morning.. :)

 

Notice the "radio silence" comments......

 

Weren't a squaddie in a previous life were you..... :)

 

 

Steve.

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Thank you scouse12345!

 

Definitely feels like I am at war with the dcas! :) I notice you have a wee battle of your own going on - follow the excellent advice that you'll receive on this site and you'll emerge victorious!

 

CAG has to be the best antidepressant on the market! I too love reading through other Caggers' threads and witnessing their transformations. I can't stop plugging the site to my family and friends - someone mentions debt, I shout CAG!!! I also have to say that I find some Caggers' threads and comments so entertaining and funny!

 

I'm no longer afraid of the big, bad wolf! I realise now that he's just full of hot air.... I have no problem opening my statements now as I know that I'll have advice and support from all you guys!:D

 

ftc

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Hi everyone!

 

Finally got hold of 'the' letter - only to find that it's not from Moorcroft after all!!!:oops:

 

It's from my dear 'friend' Susan at iQor!!! I can't understand why she would bother to write to little ole me after the account has already been passed to Moorcroft.

 

Anyway, I promised I'd post a copy - so here it is....:)iQor letter.pdf

 

So, I'm still waiting to hear from Moorcroft :sad:

 

ftc

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  • 1 month later...

So Moorcroft haven't bothered to respond.....BUT Wescot have decided to send me another threatogram :confused:!!!

 

Why have Westcot decided to wade in again after all these months? They never bothered responding to my earlier bemused letter, instead they handed over to Iqor, who handed over to Moorcroft, who it appears to have passed the parcel back to Westcot!!!

 

Any advice on what my next move should be?

 

ftc

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Hi underdog13!

 

Well they do say keep your friends close but your enemies closer.....!

But threatening to turn up on my doorstep for a little one-to-one time is a little too close imho!

 

Wonder who will be the next candidate to join da 'dca crew'! :D

 

Keep up the good work topdog!

 

ftc

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