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    • 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  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so 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 so slightly longer than the original tax set up so 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. So 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 so 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 
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    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
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Irresponsible lending? Safetynet Credit


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Hi you lovely helpful people,

 

I have just found out that my brother has a loan with Safetynet credit. He owes nearly £600 and is at breaking point because the interest is increasing faster than he can pay it back.

 

He has been using them for well over a year and has borrowed and paid back thousands.

 

I am pretty sure that it could be classed as irresponsible lending because he is not working and is claiming benefits instead. Safetynet know this because apparently they log into his online banking!

 

Is it worth him complaining and trying to work out a deal to pay back over a longer period with lower interest (otherwise he is going to not be able to pay them)?

 

One other question is how will this affect his credit score if he makes an irresponsible lending complaint, does it go on his file as a default?

 

Thanks in advance

 

Jackie

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hello

 

its me, her brother, who has the payday loans. I have a loan with oakham at the moment and I have a safety net account.

 

I am not working, my income is PIP and IS. both oakham and safety net have access to my bank statements so would have known this.

 

I have also borrowed from lending stream a few months ago and paid them back. I lied and said I was working so I don't think I can do anything about that one.

 

is it possible to claim that this is wrong that they have lent to me?

 

thanks

 

tim

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Welcome to CAG Timbuck :)

 

May i suggest reading this guide we wrote for IRR Lending Claims...

 

Once done come back to me with a full list of loans and lets see what we can do :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=70679

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hello fkofilee

 

thank you. I have had a read it is helpful.

 

I had two loans with lending stream one in December 2015 for £400, I paid back a total of £762.88 over 175 days. the second one was in march 2016, £400, I paid back £800 over 188 days.

 

I don't think I can do anything about that one because I lied when I applied and said I was working. they have done a credit check when they gave me the money.

 

I have a loan with oakham. I borrowed £200 in November 2017, I have paid back £202.16 and still owe £217.

 

I have had a safety net account since November 2015 and I have borrowed pretty much £500 every month and paid it back with interest. I currently owe them £540, they have put that on hold for 30 days because I told them I cant afford to pay them back.

 

both oakham and safety net have been in my bank statements so they know I am on benefit and have very little income.

 

I do gamble (only on one bingo site) but I honestly only ever break even and I do go for long spells without betting.

obviously I am not betting anything at the moment as I have no money and I am in control of my normal bills (rent, gas etc).

 

do you think it is worth me emailing both oakham and safety net to see if they can write some of the money off now, rather than going through the long process?

 

sorry for the long reply

thank you

 

tim

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Hi Timbuck

 

So in short - The decision is up to you however i would advise against it... Note that any information on a credit file and any balance can be removed or adjusted at the drop of a hat. a Credit File entry can disappear instantly as they just delete the entry on their CRA Portals / Data Feeds.

So go through the process - Get your bank statements on this one and go for them

Go read the examples in the guide towards the back - There is one for SNC - They provide a very good example of how SNC might respond...

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thank you for the advice.

 

 

do you think that I should stop paying them? I am going to really struggle if I do have to. I will start the process of and write the letters today.

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  • 2 weeks later...

Hi,

 

I have sent the data requests off. I have not heard from them yet. I am going to send the following letter to safetynet credit. do you think it is ok?

 

thanks

 

 

Dear Safetynet Credit,

 

I am writing with regards to the ongoing loan that I have held with you for over two years. I would like to complain about the irresponsible lending of this loan and the cost of interest over this time. I am surviving on benefits and to make matters worse I suffer from bi-polar disorder which can affect the care I take with my finances. One of the issues I have had with this is a gambling problem, where I have spent thousands of pounds that I do not have.

 

As you know, I am unable to pay for everyday living costs at the moment, including rent, utilities and food. You are aware of this because you have been accessing my bank account through my online banking every day for over two years. On top of this you have regularly increased my credit limit with you.

 

I have paid you over £1300 in interest alone so far. I think this is unfair and irresponsible given that you are clearly aware of my problems.

 

I would like for you to clear the balance of the loan that is outstanding and remove details of this loan from my credit file.

 

Thank you for your time, I await your swift reply.

 

Yours sincerely

Edited by DragonFly1967
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