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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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Invalid Default Notices


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Hi Bill

 

Not Northampton - Nottingham County Court.

 

I have just got off the phone to the CAB - I have an appointment next Tuesday.

 

 

B.

 

however, whilst in no way denegrating their services- do bear in mind that in general terms- advisors at CAB will have no more experience of the CCA than most high street sols- and they tend to walk the path of "least resistance"

 

their aim is to help people manage their debts- rather than give adversarial advice on questioning the validity of debts

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Easy - DCA = bunch of very stupid (but arrogant) people who are NEVER wrong.

I believe Mercers shouldn't be issuing the DN in any case as they are not the OC - just a DCA.

BD

 

there is no legistlation preventing a third party from issuing a DN- but all the prescribe information must be included (including the creditors name and address

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

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Thanks lexis

 

Barclaycard wrote Aug 18 'payment due £36x.xx'.: "You must make your payment or we'll instruct Mercers Debt collections Ltd to send you a default notice in accordance with ...."

 

So Barclaycard have designated Mercers as their agents.

 

Mercers issued DN dated Aug 20 (both letters arrived in same post) ]'amount due £54x.xx'.

 

I sent CCA to Barclaycard Aug 25; it has been received but no reply as yet.

 

Mercers wrote Sept 9 IMPORTANT NOTICE 'outstanding balance £9xx2.xx' "We will be instructing a local debt collector to visit you the above address to collect payment"

 

I am not bothered about DNs or visits.

 

As well as sending the 'account in dispute letter to Barclaycard' I want to send something like:

 

" Dear

I note your letter ref BBC2CL/1.3 dated August 18 informing me that you are instructing Mercers Debt Collections Ltd to act as your agents.

 

Since then I have received a number of telephone calls, all of which I have recorded, from your agents and a letter, all of which breach Office of Fair Trading guidelines regarding debt collection given the context of my previous correspondence with yourselves. I should be grateful if you would confirm that Mercers Debt Collections Ltd are indeed acting as your agents in their questionable conduct so as to assist me in making my reports fairly to the appropriate regulatory authorities.

 

If you do not reply to me within seven working days my report will concern both your and Mercers’ actions."

 

What do people think about this as a line of attack?

 

vic

 

I don't think it would do any harm. I've just tweaked it a tiny bit (hope that's ok) so they don't have any wriggle room with the wording (ie they don't seem to be breaking guidelines, they just are, and don't give them the option of not confirming what you've asked).

 

I'd also just whack in the doorstep caller letter to cover your back there, even though it's highly unlikely they'd act on that particular threat it's worth just adding the few extra lines to tell them where to go:)

 

DD, thanks for the explanation, gives a bit of light at the end of the tunnel!!

Time flies like an arrow...

Fruit flies like a banana.

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left click on the URL (the website address at the top of the window. This will highlight the whole address you then right click on the address a box of choices will drop down. you then click on "copy". then go to you message and left click in the text space on the drop down choices just click "paste"

G

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&highlight=Advice+on+EGG+loan+agreement+please%21

 

Hey bigdebtor, just right click on the title and copy, or if you want a specific page just highlight the address bar and copy, then paste it where you want it to go. Easy peasy:)

Time flies like an arrow...

Fruit flies like a banana.

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

 

just between me and you - dont tell anyone else on the board or i will look like a right pillock- but neither do i!

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i think he was referring to making a link out of the postf- you cannot click on the text on the title on the POST (in this case the highlighted black Re_ Invalid Default Notices- - but it appears you can click on the "text" icon next to it- i presume that would copy it into a post as a link?

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i think he was referring to making a link out of the postf- you cannot click on the text on the title on the POST (in this case the highlighted black Re_ Invalid Default Notices- - but it appears you can click on the "text" icon next to it- i presume that would copy it into a post as a link?

 

Ahh, well then, right click on the post number, scroll to 'copy link address' and then paste in the reply box.

 

Hopefully this has worked, otherwise I'll shuffle off red-faced...it should come up with the first post on this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices&p=2127681&viewfull=1#post2127681

Time flies like an arrow...

Fruit flies like a banana.

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I was afraid you would say that - don't know how to - hav ealways avoided doing so (or admitting it until now!)

 

I have just tried to find how to do the link and can't find it easily. I double checked the thread name: it's "Advice on EGG loan agreement please!" by bobogosing.

 

There - my secret's out! I will learn - as I have been frustrated in not being to do it.

 

BD

 

 

Just right click on the title of your thread--copy location-and then paste wherever you want to.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&highlight=Advice+on+Egg+loan+agreement+please%21

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Ahh, well then, right click on the post number, scroll to 'copy link address' and then paste in the reply box.

 

Hopefully this has worked, otherwise I'll shuffle off red-faced...it should come up with the first post on this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices&p=2127681&viewfull=1#post2127681

 

Post numbers are white on a white background for me which is a bit weird. You can see them by highlighting them (left click and drg to expose it)

 

M1

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just between me and you - dont tell anyone else on the board or i will look like a right pillock- but neither do i!

 

DD - don't worry. It'll stay just between us old grandads.

 

These young ones might know all about IT but ask them to change the accumulator in the wireless, blacklead the cooking range or trim the wick on a gas lamp!!!!

 

Anyway - they would probably just take the last Y off your name- nothing worse than that. :-)

 

BD

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I've stopped remembering - just make things up now - actually more reliable than memory - and no one listens any more anyway.

 

I even thought I remembered my wife telling me last year (or was it perhaps in 2005?) that I had done well with some task I was given - but it was probably just a dream as I think she was smiling. :-)

 

BD

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&p=3127539&viewfull=1#post3127539

 

I just followed your directions and it worked! This the post with the two EGG DN's I'd like the guys to help out Bobogosing with if you can.

 

BD

 

(PS - actually nothing to this IT lark :-D- much easier than wireless accumulators, blackleaded ranges or trimmed lamp wicks!:wink:

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http://www.consumeractiongroup.co.uk/forum/showthread.php?276050-Advice-on-EGG-Loan-agreement-please!&p=3127539&viewfull=1#post3127539

 

I just followed your directions and it worked! This the post with the two EGG DN's I'd like the guys to help out Bobogosing with if you can.

 

BD

 

(PS - actually nothing to this IT lark :-D- much easier than wireless accumulators, blackleaded ranges or trimmed lamp wicks!:wink:

 

Hello, can anyone give me some advice on these EGG Loan DN's please?

1st was send in November 06 and the 2nd was send Dec 06. Are they allowed to default me twice?

 

 

http://i1011.photobucket.com/albums/...eggloanDN1.jpg

http://i1011.photobucket.com/albums/...eggloanDN2.jpg

 

http://i1011.photobucket.com/albums/...ggloanDN12.jpg

http://i1011.photobucket.com/albums/...ggloanDN22.jpg

 

And thanks so much BD for helping me to link up with the experts. bobo

follow the light!

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I've stopped remembering - just make things up now - actually more reliable than memory - and no one listens any more anyway.

 

I even thought I remembered my wife telling me last year (or was it perhaps in 2005?) that I had done well with some task I was given - but it was probably just a dream as I think she was smiling. :-)

 

BD

 

wind!

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