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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • 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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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help absolute nightmare!!


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Hello,

 

I am about to default on several PAYDAY loans tomorrow.

 

I am really scared and dont know what to do.

 

I cancelled all CPA with my bank yesterday

 

but unfortunately 2 have been paid today with 7 to come out tomorrow.

 

Please help,

 

I know my next step is to contact the companies

 

but need advice/help on drafting a letter to them.

 

Really need some useful advice asap,

 

Many thanks

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own thread created

 

can you list your PDL's please

 

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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The 2 that were paid. Were the cpas cancelled for them?

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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Yes, I cancelled them yesterday at my bank and they came out today. I have rung the bank earlier and they said until they show up on my online statement they cant do anything about them. When I queried this with them stating that Wage Day Advance is on my statement, they siad this was a direct debit and so they cannot claim this payment back.When I asked why this didnot show up on my list of DD's they could not answer that either.Hope this makes sense.

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I don't know which bank you are with but it is wrong to say they can't get back direct debits if they are cancelled on the day. I think you should insist on speaking to a manager. You must insist they do not pay tomorrow's as well.

 

Don't be fobbed off by saying they can't cancel a CPA.

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Can you list them one under the other with the amount outstanding for each of them.

 

How much money do you have to pay towards the £6,000?

 

You'll have to offer reduced payments, probably pro rata. One of the other people on CAG had reasonable responses from some of the PDL companies, but others were more difficult. At the end of the day they cannot take what you have not got, but it is vital to stop all the CPAs.

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Get on to the fca. Your bank MUST refund that money by law.

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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Just been into bank they have said all cpas have been cancelled for payments due tomorrow but swift sterling today has showed up as a debit card payment so I have to ring the company and ask them to refund the payment to my bank, they have given me a fax number to give them, wth, have no faith in the bank at all now, I have transferred my remaining wages into another account but unfortunately with the same bank

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Get on to the fca. Halifax are wrong and are well known for doing this.

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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You need to get this sorted out quickly as it has been known for some banks to take CPA payments from another account even when they have been cancelled.

 

I don't think Swift Sterling will give you your money back as they will say you gave them a CPA. If the debit card was used for a CPA and you cancelled it in time then the bank should not have paid it and you should insist it is refunded.

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See post #14. You NEED to contact the FCA and let them know what is going on. They are clamping down HARD on banks right now in regards to CPA's. But if you don't tell them, then they cant do anything to help.

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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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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Make sure you dont take no for an answer. You dont have to go through the lender to cancel the CPA, it can and should be done through your bank. If they refuse, get the FCA involved.

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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Will do, thank you so much for the excellent advice and the link to the consumer action fca page is very informative, I know I've got a very long rocky road ahead of me but bring it on

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Well the proverbial has hit the fan this morning, I have have numerous missed calls, text messages and emails. I am going to start sending emails to them now explaining my financial position and requesting a payment plan. One of the threads I read said try and do all contact via email or letter, do not answer their calls. Would you say this is the right way to do it?

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Yes. Email them, and don't speak on the phone as many of them will try and bully you.

 

You should work out what you can realistically pay each one and put that forward as your proposal. Say it is all you can afford and if they argue tell them their option is to take it or leave it. They will know that there is actually very little they can do. They may make threats about taking you to court, but you can say that if they do that you expect a judge would actually make you pay less per month than you are offering at the moment.

 

Try and work it out pro rata so they all get roughly the same percentage of what is owing and ask them to freeze the interest.

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It's good you have been reading some of the other threads. There is one (sorry, can't remember which one) where the poster managed to get most of them to accept a payment plan with only one or two being difficult. If you can find that one you may get some info on which ones are going to be reasonable.

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