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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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We further requested recording / true copy of a particular transcript of telephone conversation giving date and exact time from a Loan Broker.

 

Previously received some sort of print / scratchpad notes of conversation with SAR but important part of dialogue seems to have been omitted.

 

Now my OH was told it was being recorded and she said that the person at the brokers was talking to her and typing up notes at same time.

 

They have now refused our further request and stated that they are not obliged to provide any other format / CD or telephone call transcriptions.

 

Can someone kindly confirm if this is correct ?

 

Thank-you

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Yes Ford but maybe the start of a separate complaint.

 

I spoke to the ICO about it today.

 

Apparently there is no requirement under data protection to provide a copy of the call and any detailed transcript of the conversation that took place.

 

When I explained why i required details, they suggested that I go back to Skye and say that info is required due to the tone / nature of what was said / suggested. I did not know this hence why I raised the above and was hoping for confirmation.

 

It just seems unfair that they can say what they want. Then when questioned or disputed, they can deny any conversation ever taking place and water down dialogue.

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Apparently there is no requirement under data protection to provide a copy of the call and any detailed transcript of the conversation that took place.

 

.

if a recording is available, then maybe they shld send details of. loyds sent me a cd of one, but that was awhile ago.

one of their arguments in some other threads is that they dont keep recordings after x mths.

and of course, notes made on a system invariably do not accurately reflect the full tel conversation. (they are supposed to keep accurate records, but they dont)

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Yes quite agree Ford and it is so frustrating. Even the conversation with the ICO totally baffled me.

 

Always thought requested details should be submitted but I was wrong.

 

On past experience with another well known lender, they denied any telecon details until complaint went to FOS in which the adjudicator obtained details and used against me, not upholding my complaint :shock:

 

I will contact again requesting full details but ICO confirmed that they do not have to even if it has been recorded ?

What I find shocking is that they have only stated in notes ' discussed options with borrower' and not any suggestions of selling house, getting a lodger, 2nd job, kids out to work, getting a loan etc.

 

And all over a disputed arrears amount of £2,500 !

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...they denied any telecon details until complaint went to FOS in which the adjudicator obtained details and used against me, not upholding my complaint :shock:

 

I will contact again requesting full details but ICO confirmed that they do not have to even if it has been recorded ?

What I find shocking is that they have only stated in notes ' discussed options with borrower' and not any suggestions of selling house, getting a lodger, 2nd job, kids out to work, getting a loan etc.

 

!

yep, re first para, info to suit them. and they do their best to avoid, eg saying only keep records for x mths (but i bet they keep them longer, as you stated re the complaint).

 

imo, a tel recording if in existence shld be subject to a dsar. but, the ico now say different (it was when i did one). and what can they do if a creditor says its not available.

 

when you do write, ask them how long they keep tel recordings. see if they answer that.

 

yep, not quite 'accurate' notes. they never are.

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Many thanks Ford and will try a different approach.

 

I would have thought at least a complete transcript of the conversation at least as full and important content not even mentioned.

 

I will keep you posted.

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I would have thought at least a complete transcript of the conversation at least as full and important content not even mentioned.

 

I will keep you posted.

thats what i mean. if the recording is still there, then at least a transcript if not the actual recording.

but, you said that the ico said that not even a transcript?

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Yes Ford, the person at the ICO said that it was not a requirement iro a SAR, in which was news to me :???:

 

But did say to go back and asked if it was recorded and that you require further details due to the tone and manner of the conversation with my OH ????

 

Can only ask again but as stated before notes did not state what the Skye person was suggesting and bullying attitude that upset my OH.

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