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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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Looking to regain entry after repossession


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Hello and welcome to CAG. I've started a new thread for you so that you can have advice specific to your own situation.

 

I'm afraid we can't recommend lawyers here, you would need to look on the Law Society website which has a Find a Lawyer facility, or possibly your local CAB would have contacts.

 

But if you tell us your story on this thread, the forum guys may have suggestions for you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hello honeybee! Thank you.

 

This is an extremely complex situation,

my dads house was reposessed without his knowledge,

arrears ran upto around 13k

my mum who hid all the documentation attended court without my dads knowledge.

 

An appeal was heard at Northampton court

 

the judge did side with my mum and agreed for higher amount to be paid each month

 

however the lenders appealed this decision and dismissed a further appeal.

 

I know the actions carried out by my mother was wrong.

 

There is more to this but I dont really want to place the info on such a public forum.

 

Any help would be appreciated.

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Okay, thank you. There is more to this would there be any chance I could private message all the information?

 

It's not how we normally work I'm afraid, we like advice to be on public threads so it can be reviewed by a wide audience. Let's see what the guys think about your problem when they're able to get here. :)

 

Edit: however, it's possible that if this is complex you will need professional advice. Have you tried your local CAB to see if they have relevant contacts?

 

HB

Illegitimi non carborundum

 

 

 

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Okay.

 

In a nutshell Kensington mortgage company sent an IFA to the property

 

some payments were made to the IFA

 

however a lumpsum of 4k which was paid to him was never transferred to Kensington.

 

After some research we uncovered some horrible truths re the IFA

(this is some thing which cannot be placed on the board).

 

The bottom line is the whole situation has been one big mess.

 

The IFA in question advised my mum he could sort out the matter without my dad knowledge.

Edited by honeybee13
Asking for PM contact.
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If the answer to the above question is 'yes', then the process has been correct, insofar as the court is concerned. Your mother has deceived your father, and he may have a claim against her.

 

If the answer to the above question is 'no' and your father is the sole mortgagor, then the possession proceedings can be challenged on the basis that your father was not aware they were taking place - however you WILL need a solicitor as the arguments are complex given that possession has already been taken.

 

If Kensington sent the IFA, then they are also responsible for his actions - so there is another potential claim there - against the IFA and against Kensington since he was obviously acting under their authority to try to resolve the arrears.

 

Go to the Law Society webpage (google the words 'find a solicitor') so that you can locate one in your area who specialises in repossessions. Do not use any of those online companies that claim to be able to help you for a fixed fee - this is not something they'd be able to deal with effectively.

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Are your parents joint mortgage holders?
no the mortgage was solely in my fathers name, Just as I thought the repo hadn't been carried out correctly! I will be making a few phone calls tomorrow. Don't worry I will be looking for an actual solicitor who has expertise in this area.

 

I will also be making a complaint re: Kensington to the FInancial Services Omsbudman. I'll keep you up to date with the situation. Thank you very much for getting back to me :-)

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http://www.consumeractiongroup.co.uk...r-repossession

 

and I bet there were heaps of unlawful arrears fees too.

and visit fees

 

Hi

Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating

borrowers who were in arrears unfairly. Claim those charges back plus the interestlink3.gif and tell them not to add any

more to the account. There are a few news stories here you can get the info for a letter to send to them.

http://news.bbc.co.uk/1/hi/business/8615870.stm

http://www.telegraph.co.uk/finance/p...y-the-FSA.html

http://www.fsa.gov.uk/library/commun...2010/065.shtml

http://www.guardian.co.uk/money/2010...mortgages-fine

http://www.moneymarketing.co.uk/news...nfair-mortgage-terms/2005762.article

 

IMHO kennys are responsible here.

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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Your father is going to have to act extremely quickly - and whatever action he takes will implicate his wife...just so you know that.

 

It's going to be a bit of an uphill struggle - so I'd suggest that the first point would be to speak directly to Kensington, inform them that your father will be taking action and ask if they are willing to allow re-entry and accept whatever payment proposal your father is willing to put forward.

 

That said - your mother is going to be in a difficult position (as well as just how did she manage to keep not only the accruing arrears, but also the initial court case, the subsequent court case AND the appeals without him knowing?)...

 

Don't get your hopes up - if your mother told the mortgagee that she was acting with full agreement from her husband (and she'd have had to show the court a letter of authority from your father to act on his behalf there), then your father's actions may open up a can of worms for her.

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There are nearly £2-3k worth of charges on the account. This is something I will be exploring!

 

Lea I understand the implications mum acted on the IFA's advise, I'm not sure if you've seen the pm sent to HoneyBee13. I'm just wondering if I can send it too you there is more information available.

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dealing

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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