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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
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    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Clamping vehicles off the road


Big Bill
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If you are going to keep your vehicle off the road and need to protect yourself from the clampers and crushers, then simply remove the plates and cover up the VIN by putting a postcard over it. It won't stop the DVLA from pursuing you for lack of VED or lack of SORN but it will stop the clampers and tow away robbers.

 

Without any means of identifying the vehicle they cannot touch it. The clamper need permision from the DVLA and without identification that cannot be given.

 

Please do not forget to put the plates back on before you drive it because there is a small fine (but no points). I believe that it is the same when drive it away from classic car show with the show plates still on.

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What good does SORN do, if the clampers want to it will be clamped or towed away.

A friend just managed to get the police to intervene with the clampers trying to remove his car from private land. The DVLA had confirmed that it was untaxed. It is only 9 months old, and had a perfectly valid tax disc, and very fortunately the V5 was in the glove compartment.

 

The police agreed that the ANPR showed that the car came up as untaxed, the car has a personalised plate from a previous car, but faced with the V5 the police said that the DVLA must be wrong and that it was happening all the time.

 

I shudder to think what the outcome might have been had he just gone on his three weeks holiday instead of just returning, his BMW would have been crushed. Would the DVLA have couhed up or the NCP

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What good does SORN do, if the clampers want to it will be clamped or towed away.

A friend just managed to get the police to intervene with the clampers trying to remove his car from private land. The DVLA had confirmed that it was untaxed. It is only 9 months old, and had a perfectly valid tax disc, and very fortunately the V5 was in the glove compartment.

 

The police agreed that the ANPR showed that the car came up as untaxed, the car has a personalised plate from a previous car, but faced with the V5 the police said that the DVLA must be wrong and that it was happening all the time.

 

I shudder to think what the outcome might have been had he just gone on his three weeks holiday instead of just returning, his BMW would have been crushed. Would the DVLA have couhed up or the NCP

 

A nine month old BMW parked up with the V5 left in the glove box? Some people ask for trouble.

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If you are going to nick a beemer the V5C is of zero consequence. It does not confer ownership in any way shape or form.

However, on that front I find that the DVLA have assumed the right to sell at auction instead of crushing, vehicles with a residual value after deduction of the clamping/recovery costs.

 

This means that the DVLA have decided to flout one of the oldest laws that there is on the statute books in that they sieze the goods of one person even though the debt is someone elses.

 

This is contrary to our bill of rights

 

If this is allowed the government will be able to sell my other house because the tennant hasn't paid the rates, that is a next logical step.

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If you are going to nick a beemer the V5C is of zero consequence. It does not confer ownership in any way shape or form.

 

No, but it makes it a much easier car to sell on. Also many auction houses will not accept a vehicle without a V5 from a non account holder. The vehicle could be stolen on an auction sale day entered into an auction and the cheque arrive within two days. I can assure you, a stolen vehicle with a V5 is more attractive than one without.

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The reason that it is possible for them to do so is:-

 

This instrument provides that, unless within the curtilage or vicinity of a dwelling, a stationery vehicle may be immobilised, removed or impounded where there is reason to believe that an offence in respect of using or keeping an unlicensed vehicle under S.29 (1) of the Vehicle Excise and Registration Act 1994 (VERA) is being committed in relation to it.

 

There is also power to enter so as to immobilise or remove a vehicle.

Schedule 3

1. If the vehicle carries a G.B. or N.I. registration mark the custodian shall ascertain from the G.B. or, as the case may be, the N.I. records the name and address of the person by whom the vehicle is kept.

2. If the vehicle does not carry such a registration mark, the custodian shall make such inquiries as appear to him to be practicable to ascertain the identity of the owner of the vehicle.

 

Where is the owner recorded

References to the "owner" of a vehicle at a particular time are to the person by whom it was then kept and the person in whose name the vehicle is registered at a particular time shall be taken, unless the contrary is shown, to be the person by whom the vehicle was kept at that time.

And what happens next :-

A vehicle shall not be disposed of pursuant to this regulation before the end of the period of 5 weeks beginning with the date on which the vehicle was removed in accordance with regulation 10(2) and until the custodian has, for the purpose of ascertaining the owner of the vehicle, taken such of the steps specified in Schedule 3 to these Regulations as are applicable to the vehicle and either—

(a) he has failed to ascertain the name and address of the owner; or

(b) the owner has failed to comply with a notice in accordance with paragraph (3) served on him by post.

Edited by Big Bill
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