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    • Ok i think we may have the issue, so its been just over 6 months since i was banned and when i defended the case and it should have been rescinded. I have just spoken to the courts, and they informed the DVLA that the ban should have been overturned. Now you need to reapply for your license when you have been banned, and they give a window of 45 days i believe after it has expired. The dates add up, what i think has happened is that my details have been removed from the system because i was banned for 6 months (when i shouldn't have been) and the additional days on top. If this is the case then i surely i can sue these idiots until the cows come home, i have been driving whilst banned (again when i shouldn't have been)  and this can affect my job, imagine i had been pulled over with my son in the car, they would have just arrested me and not listened to a word of my story.  
    • First thing to do is what the the DVLA website extract says - write to the Central Casework Group with full details of your licence, adding that you spoke to DVLA call centre xx/xx/xxxx and they told you they couldn't see the details either.  Get proof of posting. Are you in physical possession of your Driving Licence Photocard? And the card shows it is still current? If so include a photocopy of it when you write to DVLA. There's no reason for you to assume that the licence has been cancelled or that you have been banned. Just some IT problem at DVLA. I wouldn't go into all the stuff about your court case last year. There's no evidence that the current glitch in the DVLA system is anything to do with it and it will just muddy the waters.  Most comparision sites ask for your licence number. You can get quotes without the licence being checked but when you take up an insurer's quote they then check your licence number against the DVLA website to make sure it is valid and to check if any Points for motoring offences are recorded. If you are unable to access your licence details on DVLA then insurers won't be able to either so they will refuse to proceed and cancel their quote. 
    • How about posting the full email, rather than just the bits you want us to see??
    • Hi Folks,   Thank you for your help so far. Please find below the correspondence so far from various parties. If I've missed anything, please let me know. Again, apologies for not posting the correct stuff. I thought I'd lost it all, turns out it was on a rarely used pc Letter advising of change of address will be posted shortly, with proof of posting not tracked. Buncrana 1 Edited Notice To Keeper ECP.pdf 2 ECP Back of PCN.pdf 3 DRP Edited 25012021.docx 4 DRP Back of letter.docx 5 POPLA Appeal redacted.pdf 6 DCBL 30:04:24 Redacted.pdf ESSO Cobham Signage.pdf
    • Thanks just looked at SARequest It wouldn’t make ebay have to say why they suspended me. all their email said was that it was related to buying activity. But under that bike buying activity there are about five different reasons why it could’ve been. But they haven’t specified which of these five reasons it was.
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The Lewis Group & vanquis card 'debt'


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If i offer to pay them £1 week/month do they legally have to accept it?

 

im a single mum of 2 kids under 3 and on benefits,so money is tight.

 

initially they hounded me for about £53ish a month i agreed to shut them up and managed 1 payment and then realized how short it would leave me every month.

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tell us the full story

 

lewis are a dca they have NO legal powers to demand any money from you.

 

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 had a vanquis card april last year,with a £200 limit (i think)

maxed it out and

from what i was away from the info on their website minimum payment was 5% of the balance or £5 if it was under a certain amount.

 

on the premise of having a £200 bill and 5% of that works out around £10 but it started showing on my account they wanted 50 odds a month minimum payment.

 

i had phoned (i know now i shouldnt have phoned) to ask where they were getting this figure from

and every time they just kept saying something about it running over from the previous month.

 

i gave up trying to contact them and buried my head in the sand for a few months,

i had ended up ill and had really bad anxiety from being ill. (i had a close call with swine flu back in 2009 and ever since anxiety of being ill has consumed me) so i dealt with that.

 

i then had a letter from the lewis group saying they were in charge of the debt now and get in touch with them.

 

the agent i spoke to said they would accept the £53ish per month which i could not agree to at the second without going away and seriously thinking about it.

 

was getting 2-3 phonecalls a day on my landline and on my mobile and 1-2 letters per week

 

so i just gave up and agreed to it simply because i couldnt be bothered with them harassing me anymore.

 

i managed the first months payment and was left pretty short for gas&electric and groceries.

 

heard nothing from them til this morning saying that their client had instructed them to offer me a significant discount instead of paying 364 i could pay it off for£182.

 

i wish i could afford it but they way things are i cant.

 

i just want them off my back until i am in a better position to pay a little more so i thought the £1 would do this.

 

i want it paid off cause im trying to rebuild my credit report

,i would like a mortgage one day,

or if i finally decide to learn to drive id like to be able to get finance for a car.

 

after reading to many horror stories about dca's on here i didnt want to contact them without double checking things

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something wrong here

 

they are offering a discount

 

prob loads of unlawful PENALTY charges

or

PPI

 

to reclaim.

 

if you've not got all the statements

 

then you need to SAR vanquis

 

and get relaiming

 

as for paying 'something'

 

if vanquis are still shown as the owner of the debt on your cra file

 

then just pay £1 by your internet banking portal

 

no need to bother with the dca at all. ignore them

 

and stay off that phone!!!

 

 

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 know there are some dodgy charges on it just not sure how many,i tried to log in to my online account to see if i could get an idea of what they were but i cant remember any of the details.

 

is it just a £10 postal order i stick in the with SAR request?

 

i never even thought about PPI as i didnt think i could claim cause it was with a DCA.

 

silly question,can i send a handwritten SAR or would it have to be typed up? my printer packed up a while ago and our local library is closed for months to get refurbished into some sort of community hub so cant even go there.

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neighbour relative?

 

better to print it

 

yep just a £10 PO

 

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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you dont need any account numbers for an sar.

 

that address is ok

 

 

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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Sent off today,first class recorded delivery.

 

Eager to know what the statements etc say,finally maybe get an explanation where the £50 minimum payment came from.

 

Should i send an account in dispute letter to the dca?

 

At least i dont have to worry about their fake baliffs coming to my door.

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they'll come anyhow i bet.

 

i wouldn't send anything to the DCA

 

a SAR cannot put an A/C into disput sadly.

 

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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Share on other sites

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dont you believe it

 

they'll farm it out to one of the locals

 

just remember, film them and get them to identify themselves

 

then its gameover as they know they should not be doorstepping in scotland

 

you'll get what my mrs got.

 

2 doorcalls, would not id themselves

just wanted money.

 

it was not until i pulled an old string from my ex works

and got the owner of the cars reg number i found out who it was.

 

had parked 3 streets away on a main road superstores carark

 

looked funny with me walking down the road filming him!

 

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... 

Link to post
Share on other sites

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dont you believe it

 

they'll farm it out to one of the locals

 

just remember, film them and get them to identify themselves

 

then its gameover as they know they should not be doorstepping in scotland

 

you'll get what my mrs got.

 

2 doorcalls, would not id themselves

just wanted money.

 

it was not until i pulled an old string from my ex works

and got the owner of the cars reg number i found out who it was.

 

had parked 3 streets away on a main road superstores carark

 

looked funny with me walking down the road filming him!

 

dx

 

Anyone could turn up at ur door and demand money so if they won't id themselves how do they expect to get anywhere.

 

I'm half expecting someone to turn up for the people that used to live here,got fed up returning to sender to about 20 different company's a week so I just ignore them now.

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just to clarify something, that know you know

but others might not......

 

wherever you are NEVER EVER pay ANYONE money on your doorstep

 

regardless to WHOMEVER they are.

 

EVEN A REAL BAILIFF with a warrant or LO.

 

...end off!!!

 

 

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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  • 4 weeks later...

SAR arrived today,loads of interest and late fees i'll list what they show up as

 

default fee plan interest

unpaid item charge

default fee interest

 

adds up to 138.71

 

there are also cash interest and purchase interest (these continue to show after i haven't used the card?) can i claim these?

 

what can i claim back and how do i go about it?

 

Oh and should my cca agreement have been in the SAR?

Edited by flynnsmum123
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default fees [£12] ones only

 

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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Share on other sites

below link 3

 

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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