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    • Lowell has recently bought over one of my old debts and in chasing me for payment have sent details of the debt to my ex-wife via email. Let me first start by saying i do owe the debt and I don't dispute it; whether it is unenforceable I don't know and this post/thread isn't to find that out. Lowell bought this debt earlier in the year for an account I ran between 2021 and this year before falling behind with payments and the debt eventually being sold off despite my attempts to deal with the original creditor. Lowell have sent me ONE letter in respect of the debt before reaching out via email to my ex-wife, giving information about the original creditor and the amount owed. I'm very concerned that Lowell have adopted this approach as I thought contacting a friend or relative about a debt was outlawed by FCA, but to find they have done this has left me shocked and a little embarrassed. I'm also concerned that they have potentially breached GDPR by sharing details with a third party without my consent. While there's little personal data given aside from the creditor and amount, I am mentioned by first initial and surname in the email sent to my ex-wife. I've never used this email account, have never had access to it and it has no connection to the original creditor so I have no idea why Lowell would use it to try to reach me. I've made a complaint to Lowell both about the communication being sent to a third party and potential GDPR breach, but should I be doing anything else?
    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
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Late Licencing Penalty


Nemesis_Drake
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Hello All, I sold my motorcycle in April (it was raining) Duly filled out the V5C gave the correct portion to the new owner and then mailed the V5C to DVLA....I never had any other contact with DVLA until a demand for money fell on my doormat, What's this! :eek:

 

The letter goes on to tell how if I didn't receive a receipt from them within 4 weeks I'm liable for the "penalty" (Straight away my hand is up to be on the Germans side) Fortunately after owning the bike for 4 years I'd sort of figured out that the DVLA were slightly inept.....So I scanned the V5C before mailing it...After all it did take me 3 years to get the one I had!!!!

In my first letter I enclosed a print of the scanned image of the V5C clearly showing the new owners name and address.....And expected that to be the end of it....Now I have to contact DVLA as per the instructions on the rear of the V5C.

 

Below are the most recent letters.

 

Your Reference: NoMYexBIKE

Late Licensing Penalty: MYexBIKE

Dear MR Nemesis Drake

Thank you for your response concerning the late licensing penalty imposed upon you for failing to

relicense your vehicle as required¹ .

Although you have indicated that you are no longer the keeper of the vehicle, the Department has

not received notification of this².

When the department is advised that the keeper of the vehicle has changed we send an acknowledgment letter within 4 weeks of notification. It is a matter for you to pursue this letter. Details on this process can be found on the V5C. If you can provide an

acknowledgment letter that was issued prior to the Late Licensing penalty then no further action

will be taken.

However on the information before us you are still liable for the £80 penalty. Only payments received by 14/10/2008 are at the reduced rate of £40.00.

Please pay this penalty by cheque or postal orders made payable to 'DVLA', writing the vehicle registration mark on the back. The payment together with this letter should then be returned to the above address. Payments cannot be made by installments. If you wish to pay by debit / credit card please phone the above number.

Should you need to contact us, please quote the registration mark of the vehicle.

Yours sincerely

Mrs Thief

Enforcement Manager.

 

 

 

My proposed reply for your critique.

Late Licensing Penalty: MYexBIKE Your Ref NoandMYexBIKE

 

 

29/09/2008 1 Page with 2 images attached.

 

 

Dear Mrs Thief

 

 

Regarding your letter dated 23/09/2008 in which you state,

 

 

 

 

Although you have indicated that you are no longer the keeper of the vehicle, the Department has

not received notification of this².

When the department is advised that the keeper of the vehicle has changed we send an acknowledgement letter within 4 weeks of notification. It is a matter for you to pursue this letter. Details on this process can be found on the V5C. If you can provide an

acknowledgement letter that was issued prior to the Late Licensing penalty then no further action

will be taken. “

 

 

I have read the section on a V5C document and it states...and I quote

 

 

On receipt of a notification of Keeper change, DVLA will issue an acknowledgement letter after 4 weeks confirming that the Keeper has changed. You should keep the letter as a receipt”ª¹

 

 

As you will note more than 4 weeks have passed and I'm still waiting! You can be certain that when eventually it arrives I will indeed keep it.

I feel I have discharged my duty regarding the V5C.

I am of course assuming that the letter will be back dated?

 

 

With regards to regulation 22 of the Road Vehicles (Registration and Licencing) Regulations 2002.

You will note from my previous letter to yourself that the V5C was indeed duly completed with the name and address of the new keeper and was subsequently placed in the post on the 21/04/08 at Local PO.

Due to the previous experience with this motorcycle V5C I scanned the document prior to posting, as you can see from the V5C it took 3 years to originally get the V5C in my name!

 

 

If however you doubt that the dates and names on the scanned copy of the document are false I suggest you pass the matter on to the Police for investigation. I attach a copy to this letter in case you've misplaced the original. ª²

 

 

Hopefully this matter can now be considered closed? I certainly hope so!

 

 

Yours Sincerely

 

 

 

 

 

 

Mr Nemesis Drake

ª¹ Copy of this is attached.

ª² Copy of this is attached.

 

 

 

 

 

 

 

 

Scanned image of rear section of V5C.....

 

V5.jpg

 

 

I think I would rather have my day in court than give in to this mentality of "Pay up or else"

Edited by Nemesis_Drake
Made 5 posts and posted the V5 image

Why the long face Horsey?

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Hi Nemesis,

 

I was in a situation recently when the DVLA took me to court for supposed failure to notify a change of keeper. I didnt receive anything from them and just received a court summons for the matter. I appeared and fought them it took me 5mins in court and won, then proceeded to apply an order for costs. I also won that to. The DVLA tried to call it off at the 11th hour you will see my thread further down, got some good advice on it.

 

Think it is HELP REQUIRED!!! DVLA taking me to court thread.

 

 

 

 

Hello All, I sold my motorcycle in April (it was raining) Duly filled out the V5C gave the correct portion to the new owner and then mailed the V5C to DVLA....I never had any other contact with DVLA until a demand for money fell on my doormat, What's this! :eek:

 

The letter goes on to tell how if I didn't receive a receipt from them within 4 weeks I'm liable for the "penalty" (Straight away my hand is up to be on the Germans side) Fortunately after owning the bike for 4 years I'd sort of figured out that the DVLA were slightly inept.....So I scanned the V5C before mailing it...After all it did take me 3 years to get the one I had!!!!

In my first letter I enclosed a print of the scanned image of the V5C clearly showing the new owners name and address.....And expected that to be the end of it....Now I have to contact DVLA as per the instructions on the rear of the V5C.

 

Below are the most recent letters.

 

Your Reference: NoMYexBIKE

Late Licensing Penalty: MYexBIKE

Dear MR Nemesis Drake

Thank you for your response concerning the late licensing penalty imposed upon you for failing to

relicense your vehicle as required¹ .

Although you have indicated that you are no longer the keeper of the vehicle, the Department has

not received notification of this².

When the department is advised that the keeper of the vehicle has changed we send an acknowledgment letter within 4 weeks of notification. It is a matter for you to pursue this letter. Details on this process can be found on the V5C. If you can provide an

acknowledgment letter that was issued prior to the Late Licensing penalty then no further action

will be taken.

However on the information before us you are still liable for the £80 penalty. Only payments received by 14/10/2008 are at the reduced rate of £40.00.

Please pay this penalty by cheque or postal orders made payable to 'DVLA', writing the vehicle registration mark on the back. The payment together with this letter should then be returned to the above address. Payments cannot be made by installments. If you wish to pay by debit / credit card please phone the above number.

Should you need to contact us, please quote the registration mark of the vehicle.

Yours sincerely

Mrs Thief

Enforcement Manager.

 

 

 

My proposed reply for your critique.

Late Licensing Penalty: MYexBIKE Your Ref NoandMYexBIKE

 

 

29/09/2008 1 Page with 2 images attached.

 

 

Dear Mrs Thief

 

 

Regarding your letter dated 23/09/2008 in which you state,

 

 

 

 

Although you have indicated that you are no longer the keeper of the vehicle, the Department has

not received notification of this².

When the department is advised that the keeper of the vehicle has changed we send an acknowledgement letter within 4 weeks of notification. It is a matter for you to pursue this letter. Details on this process can be found on the V5C. If you can provide an

acknowledgement letter that was issued prior to the Late Licensing penalty then no further action

will be taken. “

 

 

I have read the section on a V5C document and it states...and I quote

 

 

On receipt of a notification of Keeper change, DVLA will issue an acknowledgement letter after 4 weeks confirming that the Keeper has changed. You should keep the letter as a receipt”ª¹

 

 

As you will note more than 4 weeks have passed and I'm still waiting! You can be certain that when eventually it arrives I will indeed keep it.

I feel I have discharged my duty regarding the V5C.

I am of course assuming that the letter will be back dated?

 

 

With regards to regulation 22 of the Road Vehicles (Registration and Licencing) Regulations 2002.

You will note from my previous letter to yourself that the V5C was indeed duly completed with the name and address of the new keeper and was subsequently placed in the post on the 21/04/08 at Local PO.

Due to the previous experience with this motorcycle V5C I scanned the document prior to posting, as you can see from the V5C it took 3 years to originally get the V5C in my name!

 

 

If however you doubt that the dates and names on the scanned copy of the document are false I suggest you pass the matter on to the Police for investigation. I attach a copy to this letter in case you've misplaced the original. ª²

 

 

Hopefully this matter can now be considered closed? I certainly hope so!

 

 

Yours Sincerely

 

 

 

 

 

 

Mr Nemesis Drake

ª¹ Copy of this is attached.

ª² Copy of this is attached.

 

 

 

 

 

 

 

 

Scanned image of rear section of V5C.....

 

V5.jpg

 

 

I think I would rather have my day in court than give in to this mentality of "Pay up or else"

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Hi Nemesis,

 

The only comment I have got regarding costs is you will have to prove as much as possible. A letter from your employer/accountant stating that you have lost xxxxx amount. Time to research your case, telephone costs, stamps, internet usage, printer costs. Now I gave them a letter from my accountant to confirm loss of income, gave then an internet bill for one month, phone bill for one month, and I went into my local taxi office and got two of their cards, and wrote on the back of them, two receipts from my house to court, and the other for the return journey.

 

So when I won, I asked the magistrates to hear my petition for costs. I stated what Pat Davies in my post stated and they agreed with the evidence that I had and awarded costs in my favour.

 

It was that easy, no problem at all. It was the quickers 20mins in court that I have ever spent.

 

All the best

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But it also says on the back of the V5c that the DVLA will issue an acknowledgement letter after 4 weeks confirming that the keeper has changed. You should keep the letter as receipt, In the event that you receive further correspondence concerning the vehicle. If you do not receive this receipt please contact the DVLA on 08702400010.

 

Did you not call them when you never received the letter after 4 weeks?

Edited by Yellow160
spelling

The views expressed on this website are mine alone and don't reflect the views of my employer!

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But it also says on the back of the V5c that the DVLA will issue an acknowledgement letter after 4 weeks confirming that the keeper has changed. You should keep the letter as receipt, In the event that you receive further correspondence concerning the vehicle. If you do not receive this receipt please contact the DVLA on 08702400010.

 

Did you not call them when you never received the letter after 4 weeks?

 

The key word that 21stcentury fought this on was it says DVLA will send a letter AFTER 4 weeks. 10 weeks is AFTER 4 weeks as is 25. He is still waiting. The correct phrase to use to convey the DVLA's intentions should have been "the DVLA will issue an acknowledgement WITHIN 4 weeks." This been the circumstances 21stcentury would have contacted them in the 5th week I am sure. :)

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Dear Mr Nemesis Drake

 

Thank you for your recent letter concerning the late licensing penalty imposed upon you for

failing to relicense your vehicle as required.

 

The keeper details you have provided will be used to update our records and an

acknowledgement letter should be sent to you within the next 4 weeks. If you do not receive

this letter phone 0870 2400010.

 

Although you may no longer be the owner of this vehicle we did not receive notification that the

vehicle had been sold and subsequently you remained legally responsible for the relicensing the vehicle.

 

In your letter of 29/09/08 you brought our attention to exerts from the 'Continuous Registration Explained' section on the V5C form. However you seem to have failed to note the continuing advice given in the same paragraph you kindly quoted being "If you do not receive this receipt please contact DVLA on 0870 240 0010".

 

Therefore on the information before us, you are still liable for the £80.00 penalty. Only payments received by 17/10/08 are at the reduced rate of £40.00.

 

Please pay this penalty by cheque or postal orders made payable to 'DVLA', writing the vehicle

registration mark on the back. The payment together with this letter should then be returned to

the above address. Payments cannot be made by instalments. If you wish to pay by direct debit /

credit card please phone the above number.

 

I have prepared a reply.....

 

 

Nemesis Drake Ref: Late Licensing Penalty:

 

A Road

UK

Postcode

 

Dear Mrs Idiot

 

Regarding your letter dated 03/10/2008

 

I feel that now you are resorting to semantics in your attempts to either “bluff or bluster” me

into paying the “penalty” for in your words “failing to relicense your vehicle as required¹” As you are

updating your records to show that I was no longer the owner when the vehicle became unlicensed I

would have thought you would have dropped your present line of pursuing me for not having done

that which is in all events impossible!

 

 

Furthermore you quote an irrelevant line from the V5C namely “If you do not receive this receipt

please contact DVLA on 0870 240 0010” You will have seen from the complete copy of the V5C

section which I sent that:

 

 

“On receipt of a notification of keeper change, DVLA will issue an

acknowledgement letter after 4 weeks confirming that the keeper has

changed. You should keep the letter as a receipt, in the event that you

receive further correspondence concerning the vehicle. If you do not

receive this receipt please contact DVLA on  0870 240 0010.

Customers with impaired hearing who have a textphone/minicom

should ring 01792 766426.”

 

 

I find the preceding paragraph unambiguous and the use of the word “after” to be well defined with

no time limit requiring any action be taken!

 

 

In conclusion I no longer wish to enter into correspondence with regards to this matter, further I

would rather the next letter you send me either have “Case dropped” or “You are hereby

summoned” in the header.

 

 

Regards

 

 

 

 

Not scared of you!

 

 

Although I doubt this thickie twin will understand the finer points of the English language at least I was hoping she would grasp "after" for what it means! and that yet again she wouldn't go posting crap through my letterbox......Can you tell I'm getting annoyed with her? :)

 

Any thoughts?

 

Or should I just go to court so I can report back on her educational standard?

Why the long face Horsey?

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For info, I can advise what happens officially when the new owner plans to take the bike/car out of GB.

 

NOTHING!

 

Having returned the 'Export' vehicle slip - I made a mental note that I wanted some official confirmation that I had been removed from any liability for Continuous Registration. After hearing nothing, I emailed the DVLA go confirm I was no longer the RK.

 

They advised that I was indeed no longer the RK as the vehicle had been exported. I asked where was my confirmation of this, and was told THEY DO NOT PROVIDE the former keeper with any documentation showing the ending of liability for Continuous Registration!

 

Asking why the rules were so different between a UK RK change and an export, I was told I could always call them up and ask!

 

Continuous Registration/SORN is the DVLA equivalent of the PArking [problematic] - the sooner this is rectified, the better.

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Another thing to consider is that just because DVLA print on the V5 that if you don't receive the receipt for the change of ownership you should chase it, it does not automatically follow that is the law. When selling a vehicle you are required by law to post either the green or yellow slip to DVLA informing them of the change of ownership. This you complied with. I know of no law which states that if you have no confirmation from DVLA that you are required to either contact DVLA or re-submit the information. I cannot imagine that a prosecutor in Court could use what the DVLA choose to print on a V5 and claim it as a legal obligation, if no such law exists.

Edited by gwc1000
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I cannot imagine that a prosecutor in Court could use what the DVLA choose to print on a V5 and claim it as a legal obligation, if no such law exists.

 

Absolutely! JohnH2008 has just got a DJ to agree on this point, along with other stupid Capita comments & 'regulations'.

 

The thread is here:

http://www.consumeractiongroup.co.uk/forum/dvla/155894-sorn-statements.html

 

The more people take Capita (aka DVLA) to court on this one, the better. Look how the trickle on bank charges has grown to a flood with consumer pressure. :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I've just realised that probably thousands of people each year just pay these monkeys the £40 to avoid any "hassle".......or risk of the double "penalty" (My wife would have paid up straight away) Myself I just can't face giving these monkeys a "purpose"....

 

 

I'm wondering if I could get this escalated (if it ever gets to a court date) to a higher court?

 

One thing that sticks in my craw is the premium rate number I keep being given.......How can it be fair to charge over and above the national rate to phone a government agency?

 

 

I read Johns case with interest Foolishgirl :) A good and fair result!!!

Why the long face Horsey?

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No need for me to answer.... Cheers crem!

 

One thing I now have to do is contact DVLA to find out where the V5C is and get it to the new owner.

They've probably creamed £25 off that poor sod to supply it as well :evil:

 

Someone should take DVLA on, they've become right ribbing bistards

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They've probably creamed £25 off that poor sod to supply it as well :evil:

 

Someone should take DVLA on, they've become right ribbing bistards

 

I can't see it...He had the tear off "New keeper" slip......It took me 3 years to get the V5C in my name so....I think they are slightly inefficient...or is that incompetent :D

Why the long face Horsey?

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I can't see it...He had the tear off "New keeper" slip......It took me 3 years to get the V5C in my name so....I think they are slightly inefficient...or is that incompetent :D

Do you know for certain whether or not he's had his v5c back?

BTW ive just sorned one of my vehicles online, as its the safest option :wink:

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One thing that sticks in my craw is the premium rate number I keep being given.......How can it be fair to charge over and above the national rate to phone a government agency?

 

 

Whilst not being in any way supportive of DVLA, 0870 is not a premium rate number (they all start 09...).

 

0870 numbers are being phased out by OfCOM. Originally, 0870 was national rate (even if you lived next door; 0845 was local rate (from anywhere); 0800 was free (paid by the recipient).

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I doubt whether he's applied for it.....DVLA came for me.

 

Have you thought of contacting the new owner?

 

If the RK details were updated then DVLA obviously knew you were now the ex-RK on such-a-such date.;)

 

It's either total incompitence down there or one big [problem] so I send everything RD that I can't do online.

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  • 3 months later...
Have you thought of contacting the new owner?

 

If the RK details were updated then DVLA obviously knew you were now the ex-RK on such-a-such date.;)

 

It's either total incompitence down there or one big [problem] so I send everything RD that I can't do online.

 

I'd go for completely incompetent! I received a letter from Moorcroft debt recovery today......If I was made of weak stuff it may worry me.......I'm looking forward to abusing these guys :)

 

 

According to their letter I may be prosecuted and fined £1000, My vehicle may be clamped (I presume the one I don't own) Or it may be impounded and destroyed......I'm shaking in my boots.

 

Not too sure how to proceed....Do I answer the door naked and invite them in? or polish a huge ornamental sword while talking to them....

Why the long face Horsey?

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