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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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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help/Advice needed please


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I have been rather stupid with my money offer the last year and now have 5 outstanding payday loans. With 4 of them now with debt collectors. I've now got myself in a position to sort out this mess and pay them off with plans.

 

 

My issue is the amounts quoted as owed are far more than borrowed. One is 6 times more. However I don't have any information on the loans. So how would I go about finding this information out.

 

 

Many Thanks

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Hi and welcome to CAG. Sorry your first post was missed.

 

Firstly, can you name the PDL companies, how much is owed.

 

You must not deal with this by phone. ALL communication must be done in writing.

 

These debts are non priority and as such, YOU work out what you have to play with and offer that. If they refuse then you can raise a formal complaint with them as they should be accepting something rather than nothing.

 

Do not be put off by the stupid 'admin fees' and 'late payment charges' as these are unlawful (on the assumption these are fixed fees)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi superbluesant. Welcome to CAG.

 

an you post up as much info as possible about your debts, but make sure to omit any personal info. Forget about the charges for now, as they are unlawful and unenforceable. PDL's and their DCA@s know this but see it as a way to make profit easily.

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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Thanks for the replys. Here is what the latest letters say I owe.

 

Pounds to Payday £519

Wonga £1400

Peachy £523

Payday Express £632

Minicredit £1800

 

I have emailed all the companies asking for a detailed statement but have received to reply.

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No itemised statement of account means you only pay what was in your contract. That is the original loan amount and original interest over the contract period.

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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What did your initial contract state? Normally it would be the amount you borrowed and the interest that was initially charged on it.

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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  • 1 month later...
My problem is I dont have this information should I send all these companies a CCA letter and write to the DCAs saying the debt is in dispute until im able to work out correct figures?

 

When you signed the agreements, they would have had a total figure to pay back on the assumption you paid on time. Do you not have these agreements?

 

If not then you will have to CCA to get them (templates are in library)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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You send the CCA letters to whomever is chasing at the moment. If the DCA are collecting on behalf of the PDL, they should pass it on to the creditor.

 

Postal order is the correct way to go and make sure you know which postal order went to which creditor. You will get a receipt from the post office for each PO so when you send them, write on the receipt which company you paid. You can check with the Post Office to find out which one has been cashed.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Ive had a reply to the cca request from payday express here is the information.

 

Loan amount £400. over 28 days total to repay £516

 

I have had extension fee of £116 taken from my bank account on 8 occasions totaling £928

plus 3 default charges of £15 taken totaling £45

 

And this leaves me with an outstanding balance of £632 which equals the original amount plus one more extension fee of £116.

 

I now want to write to them with the object of arranging a repayment plan. But would it be worth me trying to say I will only pay a certain amount as what they want is unfair?

 

Thank you

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Did you authorise those rollovers?

 

Those default charges are penalty fees and can be reclaimex. Did they try and charge a transaction fee when you got the loan?

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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Can you post up the actual reply in response to your CCA request?

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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Well, lets do it simpler. What have they sent you?

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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Im no longer sure if they have sent what they should of having never sent off for a cca before. Its a 3 page letter. The first page states that this a statement for my account. With a loan summary stating the following:

  • Original term of loan
  • Date of Initial advance
  • Amount of Credit
  • Total Amount Due
  • Annual Percentage Rate
  • Annual Interest Rate

The next page is the statement with all the fees and payments on with a running balance and the final page has the agreement terms.

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They should send you a copy of the original app form, or post 2007, a reconstituted agreement. Then a statement of account and terms and conditions of the loan.

 

If all that is in order, and it probably is, what do you want to achieve from 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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Give me a few and ill write a letter. Going to re-read the thread first and see which PDL's you are having issues with.

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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