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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 Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - 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 a Westminster seat - 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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Repossession hearing on Monday


Kezzakins
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Hi, check in after you have taken the papers to the court tomorrow (or over the weekend) and I will run through the court hearing procedure with you and also let you have a copy of the Norgan case law we have quoted in your statement - just so you know what it is (you don't need it in court, it's just for you to read).

 

Ell

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Hi Ell

 

I will be sure to do that. I would like a copy of the norgan case law actually, if you would like to send it. Would you like me to pm you with my email address?

 

Kerryxxx

 

Hi, check in after you have taken the papers to the court tomorrow (or over the weekend) and I will run through the court hearing procedure with you and also let you have a copy of the Norgan case law we have quoted in your statement - just so you know what it is (you don't need it in court, it's just for you to read).

 

Ell

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Copy of the Norgan case law affixed :)

Cheltenham & Gloucester v Norgan.doc

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, if you can show the judge that you are able to make the payments going forward I see no reason why you shouldn't get a suspended possession.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ell-enn. We are covering all possibilities at the moment:

 

Applying to council for housing just in case

 

After monday, will be seeking valuations from 3 agents (if anyone knows about HIPs and how much they are likely to cost, and also if we have to pay upfront, that would be useful!)

 

My friend is also looking at all the benefits we should be getting but don't know about.

 

I'm feeling a little bit more positive this morning. As my best mate said, if even it doesn't go in our favour (which from what you have said, they should), we won't be on the streets. We will find somewhere!

 

I'm now going to get the forms to the court, and forget all about it until monday.

 

Thank you all so much for your help. If we were all local, I'd owe you all a pint or three!

 

Kxx

 

Hi there, if you can show the judge that you are able to make the payments going forward I see no reason why you shouldn't get a suspended possession.
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Hi K,

 

The cheapest price I have seen for a hip is £200 plus VAT. That is from an independent company. Some estate agents charge about £350 plus VAT so I'd certainly do an internet search for an independent company close to where you live.

 

Some estate agents will do the hip and maybe add it to their commission and the end if you give them the sole instruction.

 

Hope that helps.

 

DD

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Kezz

on monday when you go to court, the lenders represantative will ask you to go into a private room and have a chat. Please decline this offer as all they want to do is intimidate you.

Above all please stay strong for your boyfriend and speak confidently to the judge, he is human like us all.

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I agree with Vickson, they have been known to back out of the pre-court agreements and as you have previously tried to negotiate and they didnt want to know they have a weak case under the new pre-court protocols.

 

Good luck on this one and let us know what happens on Monday. If you get a call telling you NOT to go to court don't take their word for it, go to court just in case - again a 'misunderstanding of communication' has been known to take place.

 

GE Money may not make as much as expected now the price of the market has dropped - they are just going through the motions because THEY CAN.

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Well we have handed the defence form to the court so it's down to the waiting game now. I'm bearing up slightly. This whole thing has been so very stressful. I will be glad when we are out of this and into a new place starting a new life. Hopefully, that wont be very long coming.

 

Kxxx

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Good luck for monday too

 

im helping with Ell-enn's help my friend on survivor_13 on her thread

 

take care

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Just to say good luck for Monday.:)

 

One day at a time is the best way to approach this at the moment.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I agree

 

I'm trying not to dwell on the situation and really, in some ways, this could possibly be the best thing to happen, because it gets my boyfriend out of that flat!

 

It's too small, too expensive and the area is terrible!

 

I have been so shocked at how many options are open to him. I have spent the past 24 hours talking to people in the know about his options re council housing and it looks like even now, with his mental illness he would be in priority need. So hes going to apply next week. Personally, I'm seeing this as a golden opportunity for him to start again. If we are both strong enough to weather this bit, then it will be good.

 

My main fear was that he would be living on the streets, but we have been assured that would not happen.

 

So, fingers crossed!

 

Thank you all so much for your help. God knows how stressful and scary it is. I've gone from panick attacks, to crying, to tiredness to proactive, all in that circle in the last 36 hours. But on the whole I feel positive.

 

Kxxx

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Good on you Kezzakins and your boyfriend

 

it is scary and boy ive been there myself facing repossession last year but you know its all about self learning and being as much as you can be positive

 

all the emotions kick in and you do feel tired but hey ho, you are still fighting this and that s good

 

keep happy and looking forward to hearing a good result

 

laters have a sunny day angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Not wishing to be difficult but I would firstly see if there is a duty solicitor/cab/shelter rep at court, as they can talk for you. Secondly, you may be surprised at speaking with the representative as I hear that GE have given mandates to the agents representing them which may well surprise you!

 

Good luck and if you need any advice please shout!

 

Mark

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Boyfriend went to court. Suspended repossession. As long as we stick to payment arrangement we ok. Now we are going to sort our lives out, and the boy needs to get better and go back to work!

 

Thank you all for your help. You have been amazing!

 

Kxxx

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That's fantastic ! well done, I'm so pleased for you :)

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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That's fantastic ! well done, I'm so pleased for you :)

 

Ellx

 

AND A BIG THANK YOU TO ELL-ENN FOR ALL THE GREAT ADVICE!! :D:D:D

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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hey Kezz and boyfriend

 

fantastic news to read just logged in

 

again everyone here has just been amazing, that s what unites us all

 

keep happy all

 

have a sunny day

 

laters angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Well done - really pleased for you . Hope you manage to get back on your feet now.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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