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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 - 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 in Westminster - 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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Cabot/Mackenzie Hall?? - SCOTLAND


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Hi Everyone,

 

Just after a wee bit of advice regarding a letter I received the other day from Mackenzie Hall, it said they had been provided my address as being the possible residential details for the person they are looking for (my name) and they wanted to contact me regarding a 'personal matter', get in touch quoting Ref blah blah blah...... I have ignored it, obvs LOL!

 

Now, on the letter I noticed an email address at the top - cabot @ mackenziehall. I checked my Equifax credit report and there is a default registered by cabot for a Credit Card, start date 19/01/2005, default date 08/08/2005, no other details or payment history. I cant think what this is, I did get into financial trouble years ago when i was a student and was silly, i had a credit card with capital one but i dealt with aktiv kapital and this has been settled, letter confirming this is filed and credit report shows settled. I'm thinking it may be an old storecard, although I still have a Dorothy Perkins one and this old one was a Burtons one (:???:) so surely they would know me?

 

If the start date of this Cabot on my credit report is Jan 2005, then I'm thinking the orginial creditor file will have dropped off as its 6 years. Are Cabot allowed to put seperate defaults on my credt file?

 

As I live in Scotland, am i correct in saying that this is now Statute Barred? I have never heard from Cabot, havent written any letters to anyone and havent paid since well before January 2005.

 

Also, on checking my Credit Report mackenzie hall have entered 2 searches on table one, the reason being 'outstanding debt' - am i right in thinking they arent allowed to do this?

 

thanks for answering my questions, sorry my post was so long!! :-D

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Statute Barred time is 5 years for Scotland.

 

Muck Hall and Cabot have been busily buying up near time barred accounts so they might just have boobed with this one.. IF.. it does actually belong to you.

 

I will amend your thread title to include your location and hopefully someone will be able to advise you further.

 

Meanwhile, please do not telephone Muck Hall/Cabot :)

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What an unholy alliance eh Crapbot/Muck Hall:puke:

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Thankies!!

 

Dont worry, I have no intention of calling them! Before I found this site I made the mistake of calling fredrickson and was reduced to tears! LOL! Never again!

 

They havent stated what the letter is in regards to, which I believe they have been pulled up on before? I'm busily reading through all the threads on these 'people' and its just shocking what they have been allowed to get away with!

 

This site is a godsend cause if i didnt know about SB and all that I would have been in a total panick and would've been straight on the phone! I guess thats waht they rely on!

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Is this the letter that states if your not the person they are looking for, you should contact their investigations team. (I have this one in stock)

If it is I would suggest that you forward it to Trading standards as they are already aware of this one.

 

On the other hand if it is an old debt of yours you could also send them the Statute Barred letter (Scottish version)

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Yes that is the letter I have, no details of anything else.

 

I'm just going to ignore it as they havent stated what it is about, but if i get any other letters (I have a feeling....) then statute Barred letter it is!

 

I'm still going to report the letter to trading standards as they arent supposed to send out letters like that are they?

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It 's typical trying to get ordinary punters to do their dirty work:-x

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As was stated earlier, Mackenzie Hall in particular buy large amounts of Statute Barred Debt and then they are forced to go fishing to find out where the person lives.

However, if you respond to these letters then they will ask for your personal details. Threfore, the question is. who the hell do they think they are ?

 

Remember, the onus is on the pursuer to prove that the debt exists and not the recipient to prove otherwise.

 

In addition, if your not the person named on the envelope you would not open the mail, WOULD YOU ?

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