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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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Albion AND Moorcrap chasing same debt amazon HBOS credit card


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one must ask why you want to converse with the fleecers,

 

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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I too could do with their e-mail address.

 

My partner and I have several defaulted accounts with the bank that we bailed out.

 

B, O & S write to us every few months to "review" our payment plan,

and we in turn confirm we are still on pension credits snd sickness benefits, and have not won the lottery.

 

They for their part write back accepting our £1.

 

The money we spend on stamps and stationary mounts up,

plus there is the difficulty of getting the letters posted,

an e-mil address for them would save costs and make it possible to keep in contact.

 

Later on when the ConDems stop sickness benefits and I have to stop paying them an e-mail would make things

a lot easier to answer the plethora of letters I will certainly get.

Phoning is not possible so an e-mail addy would help.

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I know there is a fax no. somewhere on their site but can't find it at present and have never seen

a e-mail address.

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Personally, emailing them (unless you set up an email address specifically for this purpose) will just result in a flood of emails from them. I would say that writing is the best way to contact these companies. You can do without constant bombardment!

Today is the tomorrow you worried about yesterday, and all is well!

 

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I use e-mails a lot to contact DCAs and have not as yet suffered any bombardment, I do get lots of notices from freds telling me the e-mail I sent them months ago was not read, but I consider these as amusment. The beauty of e-mails is that if you start geting to many you can send them straight to your junk mail folder without them even infesting your inbox; something you cannot do with letters, phone calls or texts. As a plus they cannot say they did not get them as you get sent a little note when they are read.

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To be honest, I would rather have a flood of emails than junk through my letterbox. Also, the cost of a stamp is very expensive these days and Royal Mail don't always deliver. Email is also quicker.

You sound like you have experience of emailing them. Do you know their email address please Tootles?

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Have checked and can't find an e-mail address at all.

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Hi there Big Shoooz may I ask your reason for contacting them? All advice ever given to me rearding BOS (and there has been a lot) has taught me to keep a track of everything I have ever sent them and only send it recorded. Do not let these people fill you with dread, I learnt that with the help of this forum you can deal with most of what may or will come your way. My advice would be to keep everything in writing and send recorded delivery - that way you get a signature or POD and never sign any letter you send them. Keep everything they send you and write the date on the letter and envelope on any correspondence you receive. also try to keep a tidy file this will help you keep track of whats what.

 

Good luck with everything.

 

Feely

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Hi there Big Shoooz may I ask your reason for contacting them? All advice ever given to me rearding BOS (and there has been a lot) has taught me to keep a track of everything I have ever sent them and only send it recorded. Do not let these people fill you with dread, I learnt that with the help of this forum you can deal with most of what may or will come your way. My advice would be to keep everything in writing and send recorded delivery - that way you get a signature or POD and never sign any letter you send them. Keep everything they send you and write the date on the letter and envelope on any correspondence you receive. also try to keep a tidy file this will help you keep track of whats what.

 

Good luck with everything.

 

Feely

 

Hi Feely, I pay BO&S thorugh a DMP and I have recently had to reduce my payments due to giving up work because of ill health.

I sent them a CCA request and it came back clean but now they are demanding full payment of the debt (even though I am paying token payments through the DMP).

I just want to give them a peace of my mind and there is no way I am phoning them (especially as they have a premium rate number).

I would much rather send emails due to the reasons I mentioned above.

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With hod number and phone them and ask for the address if they ask why you wan't just say you have an urgent legal

matter to sort out,and if they start asking questions hang up done this a few time to get info and only failed once.

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I have only sent one email to a DCA, namely CSL Ltd. I set up an email address specific to the dca and not a very complimentary one either!

 

I sent them a brief missive with the concluding line as follows; Take note of my email address, it accurately reflects my opinion of your company!

 

Something along the lines of [email protected]

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my advice to you would be to prepare for your use only an I&E form, to assess what you can actually pay towards this debt. You can set up a SO yourself to pay BOS direct, but if payplan works for you then dont change it.

 

Write to BOS and tell them what you intend to pay and pay it. You can of course pay it direct to the original creditor! nothing stops you doing that.

 

May I ask what this is for? a credit card or loan?

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You sound like you have experience of emailing them. Do you know their email address please Tootles?

 

No sorry, I don't have any experience of them, and I don't know their email address, but having been on the other end of DCAs in the past and again now, I wouldn't (personally) want them to have any other ways of getting hold of me!

Today is the tomorrow you worried about yesterday, and all is well!

 

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my advice to you would be to prepare for your use only an I&E form, to assess what you can actually pay towards this debt. You can set up a SO yourself to pay BOS direct, but if payplan works for you then dont change it.

 

Write to BOS and tell them what you intend to pay and pay it. You can of course pay it direct to the original creditor! nothing stops you doing that.

 

May I ask what this is for? a credit card or loan?

 

It's an old Amazon credit card.

Because I'm on pitiful benefits they are only getting a £1 token payment each month.

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Cannot get an e-mail address I ntried my phone trick and was told they dn'to use the e-mails

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Cannot get an e-mail address I ntried my phone trick and was told they dn'to use the e-mails

 

Nevermind, thanks very much for trying Brig. Seems I'll have to use the silver-trail-mail after all!!

It's hard to believe in this age of technology that these people have not moved over to emails....just goes to show they aren't using email because they don't make any money off it unlike premium rate phone numbers!

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Probably afraid some one will actually have to read a communication and do some thing about it.:-x

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Well thats their problem, when they write to me it takes me only a short time to pen a reply but it takes quite a few days before I can get it to the post box, and them quite a few more for the 2nd class letter to get to them. I believe they can be contacted on HBOS's number 01314427777 where you will need to ask to be put through to them, or the number of the office where they work (HBOS again) on 01383426000, again ask for them.

 

But to be honest if they want to stay in the thatcher years they can't complain if it takes weeks for their letters to be replied to.

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Luddites afraid of technology taking their crayons away!

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I suggest you put your efforts into writing them a simple and strighforward letter telling them what you are paying and leave it at that, they will win no favours if they decide to take you to court and a judge rules in your favour, which he will. Make sure that you have done your figures and dont stretch yourself, take everything into account.

 

When did you open this account and how do you know the CA is enforceable - I suggest you post it up here for others to look at. in the meantime send off for a SAR which will cost £10 to see what charges have been added to your account and go and claim them back - DX100 is the chap you need to get hold off - he is excellent and will steer you in the right direction.

 

How long have you been paying payplan and how much is the debt for?

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