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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • 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
    • 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  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


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Just to clarify when I say I have email alerts set on my credit file, I mean I am subscribed to 'Equifax Identity Watch Lite'

 

I get email notifications every time there is a new or deleted search on my file and also if any company I do business with increases or lowers my credit limit.

 

This would have picked up a change in alleged debt ownership I presume?

 

TIA

 

TC

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  • 1 month later...
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Ha ha ha ha ha ha Idiot iQor :pound:

 

What do they know?? Ha ha ha

 

"It is 'critical' that you contact us 'immediately' yadda yadda yadda" pull the other one it's got bells on, why would anyone want to converse with a clown??

And what is there that you think is critical?

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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"It is 'critical' that you contact us 'immediately' yadda yadda yadda" pull the other one it's got bells on, why would anyone want to converse with a clown??

And what is there that you think is critical?

 

Yeah BB. I'm still trying to work out what the 'critical' part is?

 

But on a long train journey today was just wondering how much each DCA pays an alleged OC? I thought it was around 10%? Does that sound right?

 

To my mind the way this is going the alleged OC (after 5 failed DC contacts) has already covered 50% of it...?

 

Thoughts?

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Depends what you mean, if you mean what DCA's 'buy' these debts for, then they are sold in portfolios of other debts, these are sold for millions of pounds, but when you break it down, the individual debt they buy can be bought for as little as 6p in the pound, which is why thy make such a profit.

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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:madgrin:Critical means if you don't cough up there's no money

for the bosses summer hols

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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:madgrin:Critical means if you don't cough up there's no money

for the bosses summer hols

 

Somewhere other than here I hope, the weather is good in Afganistan and on the Kyber pass at the moment.

 

David

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Somewhere other than here I hope, the weather is good in Afganistan and on the Kyber pass at the moment.

 

David

 

That would be a conversation I'd love to listen in on Cashns! A DCA trying to chase a Taliban debt!

 

Our boys might even step in and help them on that score...

 

Seriously though, this is going off thread, but big respect to our guys & gals over there, keep safe. x

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  • 2 weeks later...

Update: Letter from GPB Solicitors.

 

What a complete load of tosh and gobbledegook this latest letter is! (Which I can only surmise is just an arm of Iqor itself as it’s from the same address)!

 

‘If full or proposal for payment is not received within 10 days it is LIKELY legal proceedings will commence’? Really? I doubt it!

 

Then they finish by saying they are ‘NOT instructed to enter into correspondence’ with me at this stage!?

 

Well, what exactly ARE you doing right now with this letter you muppets?

 

Still keeping silent....

IQOR 190712.pdf

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How unfortunate being called GPB solicitors llp, and having to sign your name as such!

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...
Not suggesting they are using Template Letters are you?? lol

 

No you wouldn't use "lf you reside outside the jurisdiction of England and Wales, then our agents may be instructed to raise an

action in your local court." on a template, after all you would be aware of what jurisdiction they lived in?

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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No you wouldn't use "lf you reside outside the jurisdiction of England and Wales, then our agents may be instructed to raise an

action in your local court." on a template, after all you would be aware of what jurisdiction they lived in?

 

Must be cut backs on paper, one for all regions!

:mad2::-x:jaw::sad:
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:madgrin:They have to use templates the reading age is very low so nice bright coloured letterheads are the only way for them to know what they are sending:jaw:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 5 months later...

Welcome Fredrickson ‘International’ to the party!

 

Bit weird this one though? They quote their client as ‘Bank of Scotland’ & Brand/Product as ‘Lloyds TSB’? (Neither of which exist anymore)!?

 

This alleged debt has never been with BOS & my Noodle file still says ‘Lloyds’.

 

Is this a case of trying to baffle brains with bull**** or just incompetence?

 

TIA

 

TC

 

:???:

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They are just pointing out the ''ownership'' history of the account because of the various mergers and takeovers in the banking industry.

 

Check one of the main CRAs Noddle is often out of date imo.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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They are just pointing out the ''ownership'' history of the account because of the various mergers and takeovers in the banking industry.

 

Check one of the main CRAs Noddle is often out of date imo.

 

Agree Noodle is a bit behind the others (showing Oct 2012 at the mo) but Lloyds wouldn't have sold a debt to BOS surely?

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  • 6 months later...

Here we go again! All has been quiet since January now this has landed on my doormat.

 

Welcome Capquest (lowest of the low from a very quick google search).

 

I would normally ignore but it states they have been 'sold' the debt by LTSB?

 

Credit file checked and although it only currently records up to the end of June is still says LTSB.

 

Won't be contacting them anyway but would be interesting to see my file when it's been updated for July.

 

Thoughts anyone?

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Just a notice of assignment, you don't have to contact them, and NEVER EVER BY PHONE!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just a notice of assignment, you don't have to contact them, and NEVER EVER BY PHONE!!!

 

Absolutely no intention BRIGADIER!

 

Is this a new ball game now though? Been dealing with this for 3 years knowing that any DCA was only acting on behalf of OC.

 

If this is true is there a different tactic I should employ?

 

TIA

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