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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
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Idem Servicing on Black Horse Car Finance


tomlake58
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Hi All

 

Please bare with me here.

 

I had a car finance in 2007 and

 

 

in around 2009 I gave the car up because I was made redundant which I thought was the best thing to do.

 

 

As I had paid less than half the loan back

they sold the car and I was left with an outstanding debt of around £1500.

I still believe to this day that I have was well and truly stung because the price they sold the car at.

 

Fast forward to June 2014 and

 

 

I receive a letter from Idem servicing saying that they are taking the debt on

and that my normal payment plan will continue.

 

 

Reading some of the other threads I have seen this company pop up

but it seems to be only dealing with MBNA and Loans that are secured on properties.

 

I have tried to contact Idem by email like it stated in the letter

but to this day have had no response from them.

 

 

I have drafted a letter together for a CCA request

but in the past I know that this doesn't always help

because of the case between someone and HSBC with the judge

stating that a copy is enough evidence to prove.

 

Im slightly worried that they have not contacted me further by phone or email

to try and arrange further payment.

 

 

Also I have a mark from black horse on my credit report which will be in the 6th year in July 2015.

 

 

Will idem put another mark on my file or because its the same debt will it still disappear after July 2015.

 

Any help would be appreciated at this moment in time

 

Tom

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Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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just to add no they cannot mark your credit file after 6 years from date of default

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

 

I hasn't received a response as of yet for the Cca

 

Also from memory I believe I signed a voluntary surrender form. I will have to double check

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ok, so they never advised on vt then? how close were you to 50%?

 

though you can of course vt at any stage.

 

Any charges or insurances added?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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no such things as debt collection fees

 

 

smells like you've been had.

 

 

I bet you got done on repo fees too?

 

 

might be an idea to get an sar off to BH

 

 

unless you have ALL the paperwork and the statements still?

 

 

you're in good hands with TOR

 

 

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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I think I will get the SAR off to black horse. With this will they have to send me all correspondence they have had with any debt collection firms.

 

With regards to the fees added these were for the account to be passed to another company to chase the debt!!!!

 

Im being dumb what is TOR

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the old rouge

 

theres certainly no legal remit to allow BH to charge any transfer of debt fees.

 

who suggested the VS them?

 

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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sorry I couldnt get back to you tom last night due to local power cut.

 

As soon as you receive your responses from your sar and cca requests,

 

post them up here minus personal details. The comms log with the sar

 

should be very useful for details surrounding the vs of your car.

 

From the bare facts that you have posted so far, imo as you were so close to the 50% mark

 

on your agreement, you may well have the basis of a complaint (as well as your charges reclaim)

 

in that you were not treated in a fair and reasonable manner by Black Horse.

 

No doubt Black Horse would disagree in the name of profit,

 

but just the sort of thing that the fos may be able to help with

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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sar to BH

 

CCA to idem

 

have you moved since you got the loan?

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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sign it to

and inc a copy of say a CTAX bill.

 

don't sign the CCA

leave the PO BLANK

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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yes yes

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

The Charges reclaim will form part of your Formal Complaint, along with other matters when you have received a reply to your sar

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 3 weeks later...

per details showing un-approved

 

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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your attachment was not redacted

 

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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get reclaiming me thinks

 

did you get all the statements?

 

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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