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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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DMP & CCA Help Required


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Hi everyone

 

I'm a newbie to this site having just stumbled across it. Wow I'm overwhelmed by the information so I thought it easier to ask for advice.

 

Firstly I'm on a DMP with Stepchange and have been paying it religiously for the last 6 years.

 

Original debt £40647.21, in the last 6 years I have paid £17271.00, balance = £23376.21

 

I want to clear this debt quicker, the DMP finishes in 2020 another 6 years. I work fulltime but don't have any savings, should I start to pick off the debts 1 by 1 and offer full and final settlements?

 

What is CCA that people are talking about? I'm a single mum with 1 dependent and work full time. My DMP payments are currently £300 per month but have previously been as high as £400. I can't bear the thought of another 6 years of a DMP.

 

Please help!

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can you list your debts please?

 

ever thought of PENALTY charges & PPI reclaiming.

 

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, I don't think I've had penalty charges and never paid protective insurance so those aren't really an option.

 

I've got a list of my debts, most are with Debt Collection Agencies now here they are:

 

Marlin Financial Services (formerly Lloyds TSB Credit Card) £4639.18

Barclaycard £4459.67

Allied International Credit (formerly American Express) £3112.91

Direct Legal Collections (formerly MBNA credit card) £2417.06

Apex Credit Management (formerly Egg Loan) £1821.38

Barclaycard £1679.19

Argos Card Services £1590.23 (only creditor not frozen or reducing interest)

Moorcroft Debt Recovery (formerly Citi credit card £1476.34

Studio Catalogue £1299.59

Debt Managers Ltd (formerly Next store card) £583.31

Santander (formerly Alliance and Leicester overdraft) £297.35

 

Apologies my DMP was set up in June 2009 with the then CCCS, I have never missed a payment since.

 

Many thanks for your help and replies.

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Have any of these debts ever been challenged?

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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Has stepchange challenged 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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opps I smell a few cash cow accounts there

 

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

paying for a debt to a dca

that you don't probably owe.

 

about 75% of DCa income is gained that way.

direct profit straight to their pocket

the actual debt never sees 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... 

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Share on other sites

Right I understand. Apologies, when I got divorced and ran into problems I opted straightaway for a DMP and have paid it ever since. I have no knowledge of CCA processes or anything else, very naïve on my part.

 

I'm spending some time reading the forums and trying to get my head around what to do, some of my defaults drop off this year. As soon as I was defaulted the majority of creditors passed it on to DCA's.

 

I'm thinking I should start the CCA process, but what about my payments to Stepchange? Not sure I want the hassle of people calling at the house or phoning but I suppose this debt isn't going to shift itself!

 

Thanks DX :-)

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there is nothing to stop YOU

doing the DMP yourself

 

but I would NOT be paying ANYONE

that does not hold enforceable agreements.

 

I would suspect 75% of your debt will vanish overnight.

 

not uour fault

 

no DMP paid or freeever actually bother to check

anything on debts

they just take it as sread that the threats are real

and the debts are real.

9/10 they are NOT

and they are inflated with PENALTY charges [late over letter]

 

and

 

contain PPI that you were spoofed out of

or didn't even know you had.

 

you are not alone millions of people do exactly the same

 

DCA's ARE NOT BAILIFFS

and

have NO SUCH LEGAL POWERS

 

they just spoof people by clever letter

or by phone calls threatening everything

including killing your aunts budgie.

that ofcourse you nor they recorded

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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Great, I'm getting there!

 

Ok do I keep paying Stepchange, if not they are likely to throw me off their plan.

Do I CCA everyone, all the debts were taken out between 2000 and 2006.

 

I work for local Government, is this likely to further blacken my credit file and see me in Court?

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great reason for getting PPI back them!

govt superannuation scheme & sick pay already.

 

once a debt has fallen off from your CRA file

nothing can bring it back.

and the debt will go of the cra file

on the defaults 6th birthday, regardless to being paid or not.

 

stepchange

as with most DMP's

will not allow you to remove

'individual' debts from the plan

as far as I know.

 

me thinks you've got a few shocks coming.

 

as to how wide this cash cowing effects 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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Ok, I'm not quite sure how to proceed, I appreciate your advice already.

I'm guessing this is going to be problematic in comparison to paying a DMP to Stepchange.

Like I say I'm not used to dealing with financial matters in this way, Pushing a boulder uphill springs to mind, but I fancy the journey down on the otherside!

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Ok, CCA letters all prepared, just need to buy postal orders and then send them off.

 

I've decided to pay the DMP this month rightly or wrongly, that'll keep Stepchange off my back too. I'll post back once I start to get replies through.

 

Thanks everyone for the replies - much appreciated.

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great

what i'd do

is as the CCA requests start to return

 

start a new thread in the named bank forum for the original creditor.

 

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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