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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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Retired and still owe amount on loan: Advice Needed


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Hi,

 

My mother has just retired and i have found out she has an outstanding loan which she was hoping to pay off from her pension. Unfortunately her pension is not even worth it and she has just gone on benefits.

 

Does anyone have any advice as to how I could either look to get the balance written off as she has no income any more. The loan is with Halifax. This is beginning to cause her stress which I would like to avoid getting any worse.

 

Thank you!

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To be able to advise we will need a little more info eg, What type of loan ,how much is it for,

is it in rrears, what is the monthly payment?

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OK how much is outstanding and what are the payments set at?

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The loan balance is approx £10K taken from Halifax and she is currently paying £500 a month but just can not afford to keep these payments up. Off the top of my head I think she still has approx 24 more months left on the loan. This was taken out as a normal loan.

 

Thank you for your help!

 

Hold old is the loan & was there any PPI included + has she had any unfair charges?
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Is she on state pension alone, it may be they will accept lower payments and an extended loan period, is the loan

secured against property?

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Yes she's on a state pension and currently having housing benefit paid as well. She had a conversation with the bank a few weeks bank advising them of her status and trying to see if she could get payments restructured and reduced but they seem to have been quite stern with her and informed that she will need to pay the loan or else they will get debt collectors out to her.

 

The loan is an unsecured loan and she doesn't own any property.

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If they have made that kind of statement you need to report it to the Office of Fair Trading as

they are failing to treat her properly and consider her circumstances and there may be a consideration

of careless lending in consideration of age and future income.

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Are there any templates you think I can use to bring this to both the banks and the OFT's attention. Because this was via telephone conversation I am wary of how they may defend themselves.

 

Would you advice I write to them first asking for them to restructure loan payments based on her retiring, lack of income and see what their response is?

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Yes a formal request to restructure shows a willing to continue payments.

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Do you propose I also include an income and expenditure statement when I send this....or not at this stage?

 

I can draft a letter and share it to get your comments before I send this out, if there are no templates you are aware of that I can use.

 

Thanks,

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No only the court can require you to disclose this information, if it gets that far.

the problem as I see it is there are approx 2 years more at £5oo per month £12.000 is not

going to go away easily, going to be rude now how old is mum?

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The reason for asking is that I have seen one case when retirement income was in sufficient to meet obligations

it was suggested that a return to employment was a solution I guess based on the later ages of retirement

brought in by the last government.

Is mum on state pension only and what would she consider her disposable income to be?

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It is a very delicate situation for you I know, the possibility is if the repayment are totally

beyond her finances if mum owns the property in which she lives the creditor could apply for

a charging order on the property.

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