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    • 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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surely the PPI/charges are what they are already taking off the sum owed to get their figure?

 

don't worry about the rubbish they post

as you are finding

they make up the rules as they go long.

 

dx

 

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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Hi Dx,

 

Could you have a look through these figures and give me your opinion please?

 

Total loan amount £6173.79

Total loan repayment £125.93 * 120 = £15111.60

 

Total loan actually repaid £10079.54

 

Difference of £5032.06

 

Charges and PPI redress £3932.06

 

Given that this would show a shortfall of £1100 if I were to successfully reclaim both the charges and PPI, do you think it worth trying to see if they will accept half of the £1100 ( one half being my partners and the other half being her ex husband)

 

Hope i have made it clear?

 

Spreadsheets attached

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in relation to earlier file showing all the payments etc

 

theres something wrong

 

the balance after the monthly payment keeps going up

 

is the int rate right?

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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yep

seems to only go down by £17 each month

 

does that equate to their quoted int rate?

 

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

That is an exact match to the statement we were sent, just under £15.00 per month went to paying the loan.

 

The Annual Interest Rate on the statement reads at 21.60%, the Agreement shows 1.8% Rate of Interest variable per month and an APR of 24.3%

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urm...

 

try reconstructing the loan

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

ah yea forgot the term was 10yrs!!

 

 

 

ok then scrub that

 

what about the PPI reclaim on the other loan

can that help pay the outstanding?

 

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

The other loan was taken out in his name only unbeknown to my partner, it has the same Customer Number but a separate Account Number.

 

I can see them saying that she can't claim on that loan.

 

although the PPI stands at 571 and the charges at 854

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i'd just put the reclaims in and see what happens.

 

is the end result here a clear cra file

to enable say a mortgage

or just a wish to deal with the debt?

 

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

why do you think you need to get rid of it?

 

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

My partner is a worrier, already on anti depressants, her ex left the country leaving a trail of debt and she is linked to it all.

 

I've got rid of the smaller ones but this is the biggest so far. I don't mind ignoring the damn letters and threats but she worries and frets.

 

I'm also fighting HMRC over WTC overpayment demands but they have failed to act on information recieved and it's their error that has caused over 1K of debt. Local MP is helping on this though.

 

What would be your plan of action if this were you? I am going to get her to assign all dealings over to me so she won't have it to worry about.

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i'd get the reclaims in

and then deal with the outstanding balance at £1PCM or whatever AFTER its been reclaimed mind!

 

there actually could be scope here for them to write off the remaining balance

 

a small 10yrs loan like that

is IMHO irresponsible leaning purely designed to fleece people.

 

i'd love to see anyone try and enforce the outstanding balance in court on this

the judge would eat them for breakfast

esp if the hidden commission issues were revealed

 

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

If I were to get her to assign all dealings over to me, would I be able to defend her in court? or would it have to be her or her solicitor?

 

I'm more than happy to keep passing the ball over to them in the hope that it goes to court BUT only if she could be left out of it.

 

I agree that 6K over 10 years is stupid, apart from the fact that a5K would be paid back, the loan would have outlasted the windows that it was for

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IMHO 100/1 outside chance of it ever going to court for £1100.

 

pers i'd do the reclaiming and forget it then

 

and see who they sell it too

 

dx

 

 

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

no harm in doing both loans

 

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

you have the details in the sar in post 28 you said

 

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

In addition to the above, I am just checking through the spreadsheets and making sure I have everything entered but something has hit me..

 

On the HP loan, I had down 12% APR but in fact the 12% is AIR, I used the loan analysis spreadsheet to find the APR and it came back as 0%..

 

The loan has had the interest front loaded so how would I work out the APR on this?

 

Initial loan of £6730.00 and int paid £3501.64. Total loan amount £10796.64.

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Interest/Principal

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

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