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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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Merligen Investments Claimform on shopacheck 'debt' - help*** Settled***


bart70
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Hi

 

I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA.

 

This morning a letter from Moriarty Law came informing they intend to take court action...

 

After I stopped laughing I did a little digging and have found the following...

The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office..

 

. Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd.

 

So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm......

 

Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice...

 

Does this mean that this investment firm have broke the law/ need reporting or what?

 

Never had dealings with this firm or come across them before

so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

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These "artists" are connected to the Interlaken / Lowell / Fredrickson / B Carter etc etc etc etc etc Cesspit, very familiar companies to the debt community. A quick scan of their interests reveals just about everything except Mongolian Deep Sea Pie Fishing. Tucked away amongst them all lie your Merlingen and Moriarty.

 

http://www.directorsintheuk.co.uk/directors

postcode LS11 9BH

 

Sorry, couldn't post up link in proper html format. Phone in bad mood.

 

bart If you had a doorstep loan you need to do a CCA request. Many of them were not compliant and some lenders had no proper records. It's not my area but others will no doubt advise later.

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also was it a rollover?

 

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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Moriaty Law is registered with the SRA and is the Debt Collection Arm of a full service law firm based in Essex.

Off shoot of US based multinational.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It wasn't a roll over just a small short term loan that was almost paid.... Were talking under £50!

 

I just never heard of or had dealings with this company before...

 

So hence I did a little digging to find the Boss of the DCA also set up the so called law firm.

 

Knowing they paid 10-20p in the pound for it I'll make them a one off, one time only offer lol

 

Believe it or not this sometimes works..

 

. Had Vanquis card with a balance of £350 and they took my one time only offer of £100 to clear the balance.

 

It just seemed very heavy handed tactics for such a small amount.

 

Been not one to give into these bully boys I like them to work for their money :)

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As posted previously Moriarty Law exists and is SRA registered and regulated.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

I would advise you that Moriarty Law is not a law firm to take lightly.

 

My ex-housemate received a letter in July from them on behalf of Merliglen Investments for an old Shopacheck debt of £201.76.

 

Two weeks ago he received a letter from Northampton County Court as they had applied for a CCJ.

 

The balance owed now is £325.12.

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£200 [shopacheck] welcome debt.

 

blimey the PPI alone

as well as the PENALTY charges will wipe it out.

 

shopacheck were doorsteppers I doubt a CCA exists.

 

 

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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We've seen some awkward barstewards in the "debt industry " solicitor fraternity but Moriarty are the leaders imo.

 

Need a Sherlock to deal with them!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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their doorstepper loans always were very high interest.

are you confident the statements are correct?

 

have they produced the pages from the doorsteppers book

when he collected the payments?

 

and ofcourse you have the issue of his hidden commission to use too.

was this his only loan with the doorstepper

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

He had Provident for a while too I think but he paid her off.

 

The guy always came round on a Monday and the dates that Shopacheck sent Merliglen match up to Mondays.

 

And the amounts paid match what the agreement said was to be paid every week.

 

I just thought that one letter from Moriarty Law

(who, even though in Guildford, gave Old Bailey as an address on their letter which was weird)

 

led to a CCJ was quick going.

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Hi

 

I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA.

 

This morning a letter from Moriarty Law came informing they intend to take court action...

 

After I stopped laughing I did a little digging and have found the following...

The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office..

 

. Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd.

 

So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm......

 

Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice...

 

Does this mean that this investment firm have broke the law/ need reporting or what?

 

Never had dealings with this firm or come across them before

so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

 

Worth while remembering that THEY stopped collecting in the first place

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  • 1 month later...

Update:

 

I wrote to Moriarty Law with a settlement offer and explained my current situation to them.... They have responded with court summons!! These guys are one bunch of sick gits.. One of the reasons I'm behind with some of these minor payments is I'm still paying for my 6yr old daughters funeral... Any spare money I have goes to the undertakers....

 

I offered them £30 for a debt of £59 given that they only pay a max of 20p in the pound this I felt this was a fair offer.

 

I have about a week left before this is rubber stamped by the court and I get my first CCJ.... Is there any other action I can take other than pay it?

Edited by bart70
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moved to legals

 

 

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

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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They have filed for a CCJ for a debt of £59? These people are all kinds of wrong.

 

Its cost them £25 to issue the claim:!:

 

Andy

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If I remember correctly from previous reading, when one of the Joneses - founders of Fredrickson / S R J - moved to this outfit, he stated that he would specialise in low value debts.

True to his word, it seems.

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bart, my sincere condolences for your loss. I do not know for sure but I would expect a judge to take the funeral expenses and the sad loss of your daughter into account if this ever went to court. You must be in bits I know I would be if it was one of my 3 daughters, good luck.

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please action post 20

 

 

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

bart, my sincere condolences for your loss. I do not know for sure but I would expect a judge to take the funeral expenses and the sad loss of your daughter into account if this ever went to court. You must be in bits I know I would be if it was one of my 3 daughters, good luck.

 

 

I think any judge is going to be more than a little put out if not down right angry that this is out before them, a gross and unnecessary abuse of the court process to the level

of being vexatious.

 

 

IMO you could use this as part of the defence especially as you have made a reasonable offer of settlement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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