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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Driving licence fines threaten two million drivers


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Many drivers face a fine of £1,000 if they fail to update their photo-card driving licences, according to the Driver and Vehicle Licensing Agency.

 

It started issuing photo-card licences 15 years ago and more than 30 million drivers now have one.

 

These are usually valid for 10 years and there is a legal requirement for drivers to renew the photograph at the same time as they renew their licence.

 

However, two million drivers have failed to do this.

 

More ...

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Having read the article, it looks like the DVLA is crawling along the same lines as the automatic fining system based on a database for taking cars offroad. I've only had a photo licence for a year, renewed when I passed my test. My father however still has an olde paper licence which the article says is to be phased out in two years time.

 

He always carries his passport with him along with the licence but this doesn't save him from the mandatory charge of updating.

 

There's definitely something rotten in the Swansea offices.

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Another area for profiteering to take place in the DVLA.

 

If their only concern was that we all have an uptodate photo to help the police, then the updates should be free or produced purely "at cost". There is no way it should be costing the DVLA £20 to produce a new photo licence, probably more like a fiver!

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Private parking companies, pay day loan sharks, people who offer to carry out repairs to your perfectly sound roof, debt collectors, Nigerian sc.am merchants, the DVLA.

 

All the same, except that one is backed by the Government and Politicans, [and there's two more set's of shyster's]

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Private parking companies, pay day loan sharks, people who offer to carry out repairs to your perfectly sound roof, debt collectors, Nigerian sc.am merchants, the DVLA.

 

All the same, except that one is backed by the Government and Politicans, [and there's two more set's of shyster's]

 

Sam

 

Don't agree with that sameagle. As the government refuses to stamp down on payday loan companies and allows them to charge the rip-off rates in the thousands of %, that means they must agree with it, so they are government backed as well.

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Lets face it, compuslory ID cards by another name. They do the same in the US but there, if you dont have a driving license they issue you one that doesnt entitle you to drive just so the police can ask for it as they dont have ID cards. I had to have mine because I moved house and it was required for the updating. They cost about 50p to produce and they dont show any entitlement to drive, that is on your paper licence but produce theat and not the photo card and you get procecuted, the exact same reason they scrapped ID cards in 1952.

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I had to renew my photocard license and I had not held it for 10 years. They had put the wrong date on and no one listened!! It's as big a [problem] as these speeding camera's!

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Sometimes the licence shows less than 10 years depending on how the original was produced. For example, if you held a provisional for 4 years before pasing your test, the full licence will only carry the remaining 6 years that your photo had left before expiring.

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Mine was 1981 and my son's said it would be a good idea to get the new card so I did, but I didn't have it 10 years. My original paper one was almost 15 years old. I still think it is a swizz.

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Well I've still got my last paper one from 1994 when I last moved house. I'm hanging on to it for as long as possible when they'll have to pry it out of dying hand! :madgrin:

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Yeah, was supposed to do mine in August but living on £71 a week right now so it's WAY down my list of priorities, I'm afraid !! I'd have done it if it was free but it's £20 !! They can wait.

 

Lynda~:|

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The DVLA's own annual reports (available on-line) show that over the last few years they cannot trace the registered keeper of a vehicle from their Vehicle Register in between 1 in 23 and 1 in 34 cases. The target is better than 4%. The situation with the Driver Register is even worse where the driver cannot be traced from the record in nearly 25% of cases. The target is 20%.

How on earth can they be allowed to continue issuing penalties "from the record" with that level of inaccuracy.

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