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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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bigonfood12

DVLA requisition

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Hi good evening all, I will gratefully listen to any advice on this one...

 

 

I am guilty of forgetting to tax my car for a month, it then got clamped outside my house, I immediately taxed the car and I think I paid a fine over the phone for the month it wasn't taxed, then paid £100 to get my car unclamped. Unfortunately clamped on a Saturday morning there was nobody available to unclamp my car until Monday, very annoying and disrupting on many levels, anyway...

 

 

Sounds stupid but the reason I didn't tax my car is that I didn't receive any reminder through the post as I have with every other car. So the thought of taxing it just didn't cross my mind. Until clampy.

 

 

This was not the end of my troubles surprisingly for me.

 

 

I received a requisition 'requiring' me to appear at court for keeping an 'unlicensed mechanically propelled motor vehicle' and I have to pay £22.09 outstanding duty and £90 towards court costs.

 

 

Apparently I was sent a notice under 'section 46 of the vehicle excise and registration act' requesting my details of ownership. I do not know what on earth this is and I know damn sure that I never received any letter from the DVLA about this.

 

 

My thoughts are that along with my tax reminder letter, the apparent 'section 46' was sent to the wrong place, maybe the car dealership where I purchased it? The only document I received was the V5C with me identified as the registered keeper.

 

 

What is the best solution to this problem, I sure don't want to scrape the barrel and pay these dogsbodies what little I have at present. Things are tight.

 

 

Any thoughts/suggestions, i'm still not really sure what they are accusing me of!?

 

 

yours hopefully.

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Don't know answer to your question, but does the V5C show your correct address? If so it would be very surprising if DVLA sent letters to anywhere else. For private individuals I'd think they only hold one current address, the address of the registered keeper shown on the V5C. More likely Royal Mail has lost it down the back of the sorting office sofa.

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