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    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
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    • 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  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  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, slightly longer than the original tax set up, 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. 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  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 
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lloyds tsb debt - every dca has had this alleged debt - when will it stop! - help


tc5712
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did you ever sar lloyds?

 

might have charges/ppi there to reclaim?

 

dx

 

Hope I am posting correctly but your question about PPI on this debt has prompted me to an eureka moment.!!

 

These DCA have bought debts that they hope to capitalise on yet what about this situation regarding claim back on PPI

and other charges how does this affect them regarding the total payable figures that they quote on their paperwork.

 

I know you can dispute this but I am not clear as to the end result how does the debt get recalculated after refund ?

 

Am I just being dimwitted or missing something here ?

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i bet it will WIPE the debt out

 

AND most prob go direct to YOUR pocket

 

if the debt has been sold

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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only bank account charges are off the menu [though those you can sometimes get back under a hardship claim]

 

everything else CC.loan.cats debts.

can all have charges reclaimed

[over/late/letter/phone etc etc]

 

AND you can get back the interrest at THEIR rate that these have attracted too.

 

there is a 6yrs limit [as such]

but there are MANY MANY successes of charges passed 6yrs being won]

 

PPI can be reclaimed from ANYTHING.

and there is NO TIME LIMIT

 

suggest you do some reading around

some threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

New letter from the 'Solicitors' dept on behalf of Westcock.

 

Basically saying contact them to arrange a 'reduced' offer of payment for settlement.

 

Yeah, right! If they had any legal standing whatsoever why would they offer this option?

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they need free money for their xmas party.......

 

discount letter is always the clincher to them not having

any concrete proof the debt can be enforced.

 

ignore

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Since I last posted I'm still keeping up the silent treatment here.

 

A couple more letters have been filed from Westcocks 'Solicitors' dept.

 

They seem to have given up and have now received a 'door step collection notice'. Saying they will make an 'appoinment' with their agent to visit me!

 

Will be interesting to see how such an 'appointment' can be arranged as I have never had any contact with them execpt when they called me (which they gave up quick smart when I gave them the only in writing treatment).

 

What next?

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Continue the silent treatment, they simply lie and threaten people, you have zero to worry about, if in the unlikely event any such clown did turn up and you answered YOUR door to YOUR property, I believe the conversation would be extremely short, a little like them asking you who you are, and you just laughing at them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

OMG! Westcott keep going!

They called my mobile on Friday evening and I know it's a no-no but couldn't resist a few words. It went something like this:

 

Westcott: Is that Mr tc5712?

Me: Yes, good evening, how are you?

Westcott: Good thank you, now if you could just confirm these security questions?

Me: No

Westcott: (Pause............) Um...... why?

Me: I've told you before to only contact me in writing.

Westcott: But we have been.

Me: Yes I know

Westcott: But you haven't replied.

Me: Yes I know

Westcott: (Pause............) Um...... why?

Me: Because I'm ignoring them.

Westcott: (Pause............) Um...... well that's your choice.

Me: Yes it is.

Westcott: Ok, we'll send a letter.

Me: Please do and don't call again! (Click).

 

Then their auto dialler called my landline and it was the same person!

 

Westcott: Is that Mr tc5712?

Me: You know damn well it is!

Westcott: Did I just speak to you?

Me: Yes you did, do I need to go all through it again for you?

Westcott: No, (click)!

 

Oh what fun.....

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phishing list pass the parcel

 

as post 64

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Oh dear,

 

I seem to have upset them and stirred up a hornets nest with my phone conversation a few weeks ago!

 

I've had a couple of rambling letters since but now this one! (On pretty pink paper)! Where did they find that? lol

 

'Reduced payment', 'must be made to our office'.

 

Dream on...

Westcot 21 Feb.pdf

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clincher

 

a discount letter

 

we are begging you to pay us 'something' before you realise we can't get anything from you

 

totally ignore

 

told ya!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Please welcome the newest guest to this party 'IQOR'.

 

Google searches suggest they are normally associated with eBay & paypal disputes, the number I rang back (01772 220504, just to conform who they were because when they called me I thought they said 'ICALL') they guy said they work on behalf of Halifax & LloydsTSB.

 

CLICK!

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Idiot iQor, another of the industries finest clowns, these fools also have their fat fingers in other pies as well, including the BBC, sorry TV Licensing...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Two new letters this week. (Attached).

 

The first to hit the doormat was from Lloyds telling me they have passed the debt to Iqor, (I presume passed = ask them to try and get some money, see the bit about Iqor letter below). thanks for that. They've already called and told me that! Very keen beavers...

 

The second from Iqor themselves with all the usual threatening phrases but it still says at the top left 'Debt of £xxx to Lloyds TSB'.

 

I am presuming that, a) the supposed debt is still owned by Lloyds & b) keep up the silent treatment?

 

TIA all,

 

TC

LloydsTSB May 2012_0001.pdf

Iqor May 2012_0001.pdf

Edited by tc5712
Barcodes removed
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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

 

Attachments edited, have email alerts set on my credit file and have had no warnings...

 

Thanks Boo.

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Phew!

 

I am of the opinion that DCA's can be given the silent treatment, after your contract is not with them, I know what it says in agreements about passing it to third parties etc, but the fact that banks are not whiter than white, and they then pass it to another corrupt industry to collect is, to me, indicative of the financial industry as a whole and the OC needs to take responsibility for it's actions.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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