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    • 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  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so 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 so slightly longer than the original tax set up so 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. So 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 so 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 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
    • Do you also own land the garages on and the private road? Or is it shared freehold with right of access to all freeholders or why?  Dx  
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welcome finance help


paulaiks
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hi guys

 

i have had a loan with welcome for over 2 years now and still owe£1400

how do i go about asking em to settle early and how much i should offer em

 

ie do i need to write a letter or phone them saying im struggling and can pay say £700 cash right now and close the acc???

 

 

someone plz help as i want this mob of my back

 

thanks in advnce

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Hi again paul :D just to reiterate I wouldnt do anything by telephone everything in writing coz theres likely to be some vulture on comission on the end of the phone agreeing with everything you say to get their hands on your £700 then sooner rather than later you will be chased for the rest if you want to make an offer maybe write to them and make clear it would be FULL AND FINAL if they accept and to please send their agreement to this in writing so you have it in black and white also i would when sending payment (if they agree) request confirmation again that the sum has been paid and is full and final

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hi again paul :D just to reiterate I wouldnt do anything by telephone everything in writing coz theres likely to be some vulture on comission on the end of the phone agreeing with everything you say to get their hands on your £700 then sooner rather than later you will be chased for the rest if you want to make an offer maybe write to them and make clear it would be FULL AND FINAL if they accept and to please send their agreement to this in writing so you have it in black and white also i would when sending payment (if they agree) request confirmation again that the sum has been paid and is full and final

 

 

thanks m8

any chance you could draft me up a template letter of some sort (im not that good at these things

any help would be greatly appreciated

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yep no worries ill be back in 5 :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Let it go somthing like this......

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

Dear Sir/Madam

 

 

FULL AND FINAL SETTLEMENT OFFER

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £700 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 14 days of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply within 14 days of this letter.

 

Yours faithfully

 

 

send recorded delivery.

 

 

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Thats much better than mine use that :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Not to worry Ozzy better too many hands in the pot than not enough ;)

 

Put whatever figure you want paul can always up the offer ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Over to you beyond, i gots to go watch tv with the wife. hahaha. . .

 

Yes i would if i was you it is valentines day after all :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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ps m8

whats the chances of them agreeing to this???

 

Abit of a lottery I dont think anyone can say for sure yes or no if any offer would be accepted but if you dont offer you will never know :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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but im a girllllll :lol:

No worries yea do keep us informed :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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i pay 33 pound a week

 

?????

 

and next payment due every friday

 

Stop all payments whilst the offer is in progress, put the payments to one side for negotiations..... this is important as the timescales we have given could give them extra 165 pounds also they are more than likely to say yes if the payments are stopped. good luck keep us informed.

 

 

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We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full, and will be forced to sto payments. However, I can raise £600 and I want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 14 days of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply within 14 days of this letter.

 

Yours faithfully

 

 

sent rec delivery today

also added the bit that i will be forced to stop payments

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just the waiting game now! i wouldnt imagine much would happen for 2wks worth of payments just keep them aside as they may become a good bargaining tool :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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