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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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Stopping Payment To Loan 'finder' Companys?


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7 days ago i was looking to see if i could get a short term loan. I was using a website that said i had been accepted for a loan and to enter my bank details. Once i had entered my bank details i was told i would be charged something like £68.99 for the service that will be taken from my account at some point in the next 60 days (!?). I was then given my loan options and i clicked on one was asked to enter my details and was told again i would be charged £68.99 or there about for the service!!!!

 

I decided straight away at this point to not get a loan. Ever since i have been inundated with text messages and emails offering me loans. I receive over 40 texts a day at all hours of the day and night.

 

Is there any way i can stop the 2 payments for £68.99 leaving my bank account?

 

I realise i have been stupid and should have been paying more attention, but also feel these websites were designed intentionally to mislead people in to paying for a service nobody would ever want!!!

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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You might also want to write to the Loan finder company and demand that they cease pestering you with texts. Confirm that you do not want a loan and that their constant texting is now bordering on harrassment - if they do not stop and remove your details from their data base, that you will be making a complaint to the Financial Conduct Authority and the Ministry of Justice.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

 

Thanks for replying, iv spoken to my bank (LLOYDS) and they have told me they can not do anything about it and to contact CAB to help me get the money back after it has left my account!?

 

Is it possible if i contact the loan companies i will be able to cancel the payments as it is within 14 days and i never wanted the service?

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wrong..

 

chargeback or cpa cancel

 

type in £69.99 in our greytoolbar search box

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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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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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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Get lloyds to state that in writing. I bet they wont.

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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Again thanks for the replies. Does this mean i have to wait for the money to go from my account and then apply for a charge back? Would it be worth speaking to the loan company now as the money has not gone out yet and its only been 7 days to ask them not to take the money out as i do not want the service and believe i have been misled?

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No. They can block it from ever happening. basically if the merchant tries to take money, the bank will simply state declined.

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 be aware that most banks ignore the regulation thats in place, as a lot of people do not know their rights and issue baseless threats and never follow them up.

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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  • 2 weeks later...

You have a couple of options to get your money back once it has been taken.

 

You can request a charge back as these fees were unauthorised,

or you can approach the brokers and ask for a refund.

 

The refund will be all that was taken minus £5.

If you have any trouble getting the refund, or if there is no easy way to contact them on their websites,

talk to the Financial Ombudsman.

 

They have dealt with a lot of this recently from several brokers,

and can guide you through what to do next.

You can also make a complaint to them.

 

These sites aren't necessarily designed to mislead people,

but they aren't always clear as to what will happen once you have entered your details.

You need to make sure you always read the T&Cs carefully,

and not provide your bank details unless you're 100% you're happy.

 

As for the unsolicited texts and emails, there isn't really much you can do other than unsubscribe from them.

They will stop eventually on their own, but since your details have already been passed on it is difficult to stop...

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I had the same thing. The address this "company" was registered to turned out to be a chip shop on the coast some where.

 

I told the bank but they said I must have agreed to pay it. On my Payday, the payment came out of my account, and I couldn't get it back. Had to cancel my card instead.

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  • 4 months later...

these guys SGE Loans, Loans Direct, Loans Direct UK, etc etc are all taking money that they have not earned and do not deserve...

 

 

once you apply for a loan with one company they will bombard you with texts,e-mails and phone calls all day long.

 

 

. I applied for a few payday loans recently and did not get any money,

however THEY CHARGED ME for use of their services and

 

 

since then i have received countless offers from a myriad of companies and

I am so sick of it all I have changed my e-mail,

am going to change my mobile number and

I will also be switching banks to ensure they do not have any of my details...

 

 

I was foolish to give them my details in the first place and

now I am just trying to get back to square one, again I must say they are all take money from vulnerable people

who are just trying to get a loan, instead they get robbed!

 

 

I hate them all and I wish I had never gone there but

 

 

I have learned a lesson and from now on will not be taking any loans from anyone!!!

 

 

Just wish I had realised all of this before it makes me angry that these companies are allowed to operate in this way and just get away with it.

 

 

...they should all be locked up for fraud!!!!

 

 

makes my blood boil to think MY HARD EARNED MONEY IS NOW IN THEIR HANDS

and there is little I can do to get it back cos Im just the underdog and they are the big boys..

 

 

.what goes around comes around and I hope it comes FAST AND HARD!!!

 

 

Hard to write all this without swearing but I have a punchbag that is now cowering in the corner thanks to these bleeeps! ..

 

 

.....thanks for taking time to read this and please respond with your thoughts on them

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Theres plenty you can do thomass. You just have to be prepared to be hard headed and see it through to the end.

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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Dont be too threatening with them. keep your cards close to you and follow the rules. Let them or the banks slip up THEN nail 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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