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    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
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Welcome says My £12k CCA Regulated secured Loan will now become a mortgage!


Baz1994
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Just a thought but on the electoral register forms that you fill in,

 

 

did you ask to be omitted from the edited version?

 

 

If you didn't they can trace you that way, or they may have used tracesmart website.

 

From there they could use social media to find your workplace, its not that hard sadly.

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  • 1 month later...

Well when I thought everything was progressing well with my complaint,

I now today received a letter and another questionnaire to be completed from dial4 A Loan ?

 

I spoke to Welcome Finance Complaints dept and they advised that complaint has now been passed to the broker ?

Does anyone know if this is correct or experienced the same thing ?

 

Is it just another stalling tactic by Welcome ?

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yes they are welcome in sheeps clothing

 

even in the same building I think

 

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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Thanks

so that clarifies that then

 

but they are saying that they cannot pass on previously submitted details ???

 

Its becoming rather annoying now and rather frustrating.

 

There isn't even a telephone contact number for dial4 A Loan

 

- does anyone know why this is ?

 

I will have to resubmit details to dial4 A Loan ?

 

 

I am a bit confused as I have no correspondence from them only details from Welcome ?

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have you still got the copy of the FOS questionnaire

spready etc etc

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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Yes I have thanks dx and up-dated spreadsheet.

 

 

Shall I just copy and re-send to dial4 A Loan ?

 

 

Do I need to contact FOS or just await reply from Dial 4 A Loan ?

 

 

At the end of my tether with these cowboys at the moment !

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sadly i'd resend the whole package again to d4l.

 

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

Ok thanks again and will do so now. Will keep you posted on developments.

 

Sorry for a daft question

but what is the relation between dial 4 a loan and Welcome finance ?

 

 

Are they the broker ?

 

 

Also the PPI policy is with Norwich Union and trust they are the Underwriter ?

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  • 4 weeks later...

Just received reply from Dial4aLoan rejecting my complaint

due to complaint not being made within six years of sale ?

Also that they were not regulated by the FSA as sale was made before 2005 ?

 

They are now suggesting that I refer the complaint to Welcome again or Norwich Union ?

 

Any further help what to do next would be very much appreciated

or am I wasting my time as I am at the end of my tether with this lot :x

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no such time limit on ppi claims

 

they are not covered by the limitations act

 

its when you realise it been missold the clock starts

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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Thanks dx - is there a standard letter to reply with ?

 

Does the policy with Norwich Union / Aviva actually exist as been requesting details but to no avail ?

 

how can I find out if Aviva / Norwich Union subscribed to GISC Code ?

 

Do I now consider presenting misselling details to Underwiters ?

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go back to d4l retort the 6yrs and read the first 3 links here

upon the time line of ppi guidelines

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/rules-codes.html

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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  • 3 weeks later...

Apologies but I'm a bit of a novice at this but will try to explain as briefly as possible.

 

I took out a Secured Loan with Welcome Finance in November 2003 in which I was miss-sold PPI.

I received the relevant questionnaire from Welcome in which I completed and returned.

 

Next I receive a letter from Dial4aLoan (same address as Welcome?)

saying that they have been passed complaint details by Welcome Finance for investigation

and can you kindly provide Copy of Agreement details showing

insurance premium, documents relating to Dial4aLoan sale, status of account etc ?????

 

I have no recollection of ever having any contact with Dial4aLoan (obviously the Broker)

or ever receiving details from them but only with Welcome Finance / Progressive Financial Services ?

 

I spoke to Welcome about this who were rather unhelpful and said that the matter had been passed to the Broker to deal with.

 

I then had to write to Dial4aLoan (No telephone number provided ?) in which I received a reply stating that I would have to send £10 for details of the account to proceed or revert complaint back to Welcome or Norwich Union / Aviva .

 

last week I sent the standard SAR letter to Dial4aLoan with £10 cheque

(which has been cashed) requesting their response within 40 days.

 

Today I received their reply thanking payment and please find enclosed documentation that they hold on my file.

All they have supplied is a couple of badly photocopied dial4aLoan Broker Commission statements,

a BACS Remittance Advice letter from Welcome to Dial4aLoan again showing their commission, and copies of my previous correspondences to them !!!

 

Am I missing something here

was expecting a lot more as per SAR letter conditions ?

 

Any help would be appreciated as what to do next as this is becoming rather frustrating.

 

I have a Secured Loan with Welcome Finance since Nov 2003 in which is still active and on checking my Deeds from Land Registry they are not named on it but a company Progressive Loans ?

 

Sorry for a stupid question but does that imply that Welcome have no hold on my property and therefore it is not Secured by them ?

 

Can someone also advise when is or is not a Secured Loan enforceable ?

 

I am trying to complete spreadsheet - What Interest rate % do you enter ?

 

Also found the Fee Reclaim Letter as advised

but it mentions mortgage but mine is in respect of a Secured Loan,

sorry for silly question but is it one of the same or do I just change certain details ?

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just change the name of the account in the letter

 

you use their APR

 

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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Thanks dx, so I have an APR of 20.1% (Welcome Finance) so just enter that ?

 

Also I have various charges

i.e

  1. unpaid direct debit,
  2. conversion default fee,
  3. conversion default interest,
  4. capitalisation fee,
  5. telephone charges and
  6. default sum fee interest.

Which of these can I not try to claim back ?

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rule of thumb is the fixed sum re-occurring ones.

 

however

 

1,2,3,5,6

 

what about letter?

 

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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TBH, I dont really understand the question.

 

It is my understanding that Welcome finance is part of Cattles plc and Progessive finance is the name Welcome used to use until about 3 years ago.

 

I believe they then changed their name officially from Progressive Finace Ltd to Welcome Financial Services Limited.

 

As for your other question regarding whether or not the loan is enforceable - we would need to see a copy of the original agreement to determine that.

 

Are you still making payments to the loan ? Is it up to date with no arrears ? Is there any Payment Protection Insurance attached that might have been mis sold - a lot of Welcome finance PPI was. If so, then you could make an attempt to reclaim this.

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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Many thanks for your reply and thought as much, just checked Credit Agreement smallprint and does state trading as WFS.

 

Yes I am still making contractual payments on the loan but Welcome are chasing for some old arrears from 2008 hence my question. I refuse to settle until proof provided.

 

As for PPI, I have already submitted complaint but WFS passed to Dial4aLoan ????? Its all getting a bit complicated as SAR details received were atrocious and incomplete !

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If the SAR was incomplete then you can either ask them for the data you believe to be missing or escalate your complaint to the Information Commissioner.

 

I am not sure how Dial4aloan enters the equation !! If they have gone past the 8 weeks for your complaint to be dealt with, then you can escalate that to the Financial Ombudsman :)

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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Thanks again for your reply but it seems that WFS have just passed to Dial4aLoan who were the broker supposedly ?

Have no recollection of any dealings with them only WFS and still no forthcoming info confirming this ?

 

I have also submitted a SAR to WFS anyway to see what they come up with.

 

 

Regarding Dial4aLoan reply, they still have another 30 days to respond but seems like their final response ?

 

 

Should I follow-up requesting they confirm this and take it from there ?

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Yes, ask them to confirm they have issued their final response because you have only 6 months from that to make a complaint to the Ombudsman :)

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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