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    • Ok i think we may have the issue, so its been just over 6 months since i was banned and when i defended the case and it should have been rescinded. I have just spoken to the courts, and they informed the DVLA that the ban should have been overturned. Now you need to reapply for your license when you have been banned, and they give a window of 45 days i believe after it has expired. The dates add up, what i think has happened is that my details have been removed from the system because i was banned for 6 months (when i shouldn't have been) and the additional days on top. If this is the case then i surely i can sue these idiots until the cows come home, i have been driving whilst banned (again when i shouldn't have been)  and this can affect my job, imagine i had been pulled over with my son in the car, they would have just arrested me and not listened to a word of my story.  
    • First thing to do is what the the DVLA website extract says - write to the Central Casework Group with full details of your licence, adding that you spoke to DVLA call centre xx/xx/xxxx and they told you they couldn't see the details either.  Get proof of posting. Are you in physical possession of your Driving Licence Photocard? And the card shows it is still current? If so include a photocopy of it when you write to DVLA. There's no reason for you to assume that the licence has been cancelled or that you have been banned. Just some IT problem at DVLA. I wouldn't go into all the stuff about your court case last year. There's no evidence that the current glitch in the DVLA system is anything to do with it and it will just muddy the waters.  Most comparision sites ask for your licence number. You can get quotes without the licence being checked but when you take up an insurer's quote they then check your licence number against the DVLA website to make sure it is valid and to check if any Points for motoring offences are recorded. If you are unable to access your licence details on DVLA then insurers won't be able to either so they will refuse to proceed and cancel their quote. 
    • How about posting the full email, rather than just the bits you want us to see??
    • Hi Folks,   Thank you for your help so far. Please find below the correspondence so far from various parties. If I've missed anything, please let me know. Again, apologies for not posting the correct stuff. I thought I'd lost it all, turns out it was on a rarely used pc Letter advising of change of address will be posted shortly, with proof of posting not tracked. Buncrana 1 Edited Notice To Keeper ECP.pdf 2 ECP Back of PCN.pdf 3 DRP Edited 25012021.docx 4 DRP Back of letter.docx 5 POPLA Appeal redacted.pdf 6 DCBL 30:04:24 Redacted.pdf ESSO Cobham Signage.pdf
    • Thanks just looked at SARequest It wouldn’t make ebay have to say why they suspended me. all their email said was that it was related to buying activity. But under that bike buying activity there are about five different reasons why it could’ve been. But they haven’t specified which of these five reasons it was.
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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Been looking at the title register again to dx in their reply and where they’ve scribbled on it. Scribbling which is not on my official copy I hasten to add

 

Does it look to you that they are trying to make out no3 and no 4 belong to them?

 

Cos 3 certainly doesn’t. I had old ppi with Lloyds. Claimed but they didn’t take the money off the debt they sold to link shortly after. Thus loan was from 2001 and link have never provided cca since requesting in 2006. Neither has their name been substituted on there

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cant see they have

its just a copy of the lr file with them adding their ac number on the top only...?

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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hasn't it already been stated that IR cannot play a part?

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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In a repo case. Yes. But hopefully there will be no repo.

 

Surely the ir has it to come into it somewhere now as the judge ordered the counterclaim due to them keeping the Ppi cash and that’s got something to do with all?

 

All the previous can’t be left open can it?

As if that’s the case I’ll be back in court won’t I?

 

Plus he requested statements from them

 

Mind you I can prove the last one was a forced rewrite for same amount as the one befores settlement figure then they lumped more Ppi on.

 

And that’s on what they’ve given the court

Edited by dx100uk
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it is still a repo case.

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

doesn't work that way

 

this is a repo clam...

 

unless the judge has invited chapter and verse

for the moment you need or VERY limit your your reply to EXACTLY what the judge asked.

the more you entertain their diversion and confusion

the more your case enters into their hands

 

it is worthy to go read again ALL andyorch's recent posts..

forget their obv errors [its done on purpose!!] focus solely upon what YOU have been directed by the judge to do.

 

you are seriously going off track..........

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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Ok will look through Andy’s post.

 

I just find it confusing that the Loan they are trying for repo on is as a result of all the rewrites and I thought if we prove the one was unfair then the rest had to be.

 

For mortgages which are regulated by the Consumer Credit Act the defendant can also state in questions 5 and 6 whether they want the court to examine the fairness of the mortgage agreement or to consider making an order extending the term of the agreement.

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doesn't work that way

 

this is a repo clam...

 

unless the judge has invited chapter and verse

for the moment you need or VERY limit your your reply to EXACTLY what the judge asked.

the more you entertain their diversion and confusion

the more your case enters into their hands

 

it is worthy to go read again ALL andyorch's recent posts..

forget their obv errors [its done on purpose!!] focus solely upon what YOU have been directed by the judge to do.

 

you are seriously going off track..........

 

Everything the judge has asked.

 

I’ve done.

I’ve heard nothing from the court yet to say whether I have to do a witness statement for next hearing.

I’m at limbo on how to prepare and what the judge is likely to ask or want from me on that day

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no harm in ringing and asking

mention the claimant has responded and you wish to counter as some of the things thy are claiming are very very wrong

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

What are the differences between CCA 1974 and Mortgage Credit Directive. And how do I find out of the company taking me to court are registered/regulated to do so.

 

They were not registered with company’s house.

 

However Acenden are authorised and regulated by the fca and they are the ones administeringthe loan

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FCA website

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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FCA company register

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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Pending the implementation of the new rules that will apply as a result of the MCD, firms which take second charges as security should have registered for interim permission under the consumer credit regime, and new entrants to the second charge market (who do not hold a CCA licence and cannot get an interim permission) must apply for a full consumer credit permission.

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Agreements that are covered by the FCA's consumer credit regime are subject to detailed prescriptive regulation. Rules apply to the drafting of the agreements and to the substance of the pre- and post-contract information. Firms authorised to provide consumer credit must take care to ensure that they comply with these rules as well as ensuring that the activities they undertake fall squarely within their FCA permission. The consequences of failing to comply areonerous. A Court may apply its powers to re-open a credit agreement where it considers that the terms create an unfair relationship between the lender and the borrower and may change the terms (including the amounts payable

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The more I’m reading the more I’m getting confused. I’ve just read that

15.8 If a claimant files a reply to the defence, the claimant must

(a) file the reply with a directions questionnaire; and

(b) serve the reply on the other parties at the same time as it is filed.

 

Not had one of those

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they have

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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Or I don’t think any one told me to send a cpr 31.14 to solictors when first claim was issued this time last year.

 

All I have done throughout is Request the same info of prime and not got it. Until I filed my defence then they provided it.

 

Is this a problem

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