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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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Money Shop Accessing New Account Without Details?


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Evening everyone!

 

I've been reading through the 20-odd pages of payday loan threads, lots more to go, but yet to find this exact problem and really need some specific advice please?

 

I'm posting for a friend (yes, really! lol) who's had a few of these payday loans with various companies and after a few months could not pay or roll over the debts. So she reported her cheque book as stolen, paid her overdraft and closed her bank account. She then opened a new one with the same bank. This was end of May. She heard from the companies in June and we've written letters in July to attempt to deal with this. (She suffers from mental health problems and was very ill in February hence a lot of the mess).

 

Well to cut a long story short, the Money Shop have somehow taken the money they claim she owes (£325 on a £125 loan) from her NEW bank account with NEW details. The bank claimed originally that it was an in-branch payment. Now they've back-tracked but we're not yet sure how MS got this money.

 

We're not disputing there's a debt, but £325 is a huge amount from her wages, leaving £200 to cover all her expenses. It appears the bank have just said 'o its a closed account, lets find her new one'. Can they do that?

 

It just begs the question: if you owe companies/DCAs money, and they have your bank details, can they all just start taking all your money? I'm only just learning how payday loans work. Incidentally, MS's t&cs page on their website won't work...

 

What I really need to know, sorry to ramble on, is: bank has been informed this is fraud. If they don't refund the money, does my friend have a leg to stand on? If she doesn't get this money back, she can't pay her travel to work, food, rent, and car maintenance that she really has to pay this month. Can she chase MS for the funds? A lot of it appears to be made of charges, and I'm temptes to send off a CCA request for her.

 

Does anyone have any clear advice for us please? I'm hoping to help her deal with all this as its already making her ill again. I really need to give her a clear plan of action asap, even if it's 'you'll have to live on the £200, defer rent (again), go without lunch/drinks at work unless you make a packed lunch, leave the car until next month and have to defer the extra payments due on rent etc etc'. I think if she knows what she's facing, she *might* cope a bit better.

 

Thanks for reading and any advice given! From a very desperate debt dissolver & her friend!

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Hi Debt dissolver, it is very unlikely that you would be able to get this refunded as its a debt owed. They have some strange ways of obtaining new details and are calculated in the manners they obtain them. I do hope that the bank will see that the cheques have the old account number on however if they were written before the change of account and have a card assigned to them you may stumble to recover all monies . Best to survive on whats left and put them down to a bad smelly experience and never ever deal with them again. If possible your friend could open an account with another bank, now this would prevent others trying the same tricks if cheques are involved. If the other debts are via a debit card they should be safe now. Know this is nt the most positive news but your friend will survive this x

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Hello jellycubes!

 

the bank did refuse the refund, and MS have since taken even more money, which it appears is not even owed to them! My friend's been suicidal this weekend but had some good advice from another friend and she's turning a corner (again).

 

She's considering bankruptcy now. She has an HSBC basic account which she plans to use to have her wages paid into.

 

Sadly the £200 she has/had left to live on is just not manageable, although it needs to be. I have offered to lend her money she needs and she can repay small affordable amounts back each month.

 

Thank you for taking the time to reply. Will post again when we know what MS are up to with these amounts (afterall, they wrote to say the debt was paid off, balance £325, THEN took the money, then took more (we're awaiting the bank's systems to update again as amount(s) couldn't be seen on Friday!!

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A dreadful situation for your friend. Helping her out is one of the nicest things. Going bankrupt is nt an easy option, however as your friend has other mounting debts is is an option but there are others depending on size of debt etc, can help out if know the figures etc. There are a number of people on here who have had to make that choice and should your friend need advice please post for that. As for the robbing vulchers still helping themselves to your friends account get down to the cashpoint and withdraw the lot pronto and do this as soon as money goes into that account. Also if your friend has notification to say the debt was paid and yet they ve helped themselves to more money now thats a different subject and you can do something about that ! Its hell being in this situation and it can take its toll on peoples mental health and welfare. Look after your friend as you are and keep the support there as she will need you more than ever right now. Keep me posted on progress x

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Well 'A' is making an appt to see someone at the CAB to get more details on bankruptcy. She's under the impression that she'll have to go on a DMP after 12 months though, which isn't right I'm sure!

 

She has already emptied her bank account, and is now faced with all the bank charges mounting up. I advised her to make her account a zero balance (she was just over £7 overdrawn on Friday) but I don't think she has and just thinks 'O it'll go away when I go BR!'. I'm just worried - if she doesn't go BR she'll be faced with more issues on this.

 

Will see if she'll tell me what MS have taken since the debt was paid. Would really love to SAR them, see what their charges were, what this extra money taken is, and then take them to the cleaners! I just don't know how much, if anything, 'A' still wants me to do.

 

Will likely post a new thread specifically for BR advice on here in next few days. Thanks for your replies!

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