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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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Lancashire mortage secured loan unregulated? ripping me off


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Hi, I sympathize I know exactly how you feel. I have dealt with these parasites for 15 years. The first thing I would do is only contact them by mail either email or post. Keep a paper trail you may need to use it later. Secondly, and importantly ask for a SAR/GDSR request and include in it a breakdown of all charges over £30 and how do they justify it? Are some of these charges down to Monarch Recoveries? I challenged these and they refunded over 9K. I can sort out a template if you need one.

 

I have an important court case coming up with this lot soon. At this stage, I don't want to say too much, as I know they have their minions trailing these sites.

 

Don't take it lying down, I know from experience that it's not easy but you need to stay strong and challenge these bullies. 

 

Good Luck

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yup trying too.

 

No reply to a SAR that I sent last year. Trying to send another request.

@ the stage where LPA is now invloved and can forsee my property being underhandedly being taken and sold.

 

Getting nowhere with legal help ATM for various reasons.

 

Trying to stay strong but havennt got much left in tank :ballchain:

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I did keep all paperwork and did complain didnt even get a response to that complain with the ICO. will still have another try.

 

Seemslike the universe is against me on this. Every step is a block for things that clearly should at least be responded too.

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Hi,

 

They should certainly have responded. Still, do not hesitate to send another. Email it to their Complaints department. Can I ask how many months in arrears are you? Have they definitely appointed receivers? and issued the appropriate formal demand required under The Land and Property Act 1925?

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just 3 months. yup its there internal ones waterfold and the only demand letter i got was after I missed the 3rd payment and they sent me a demand letter for the missed payments BUT not the whole loan amount.

 

They used there internal solicotrs to validate the loan  and then passed to there LPA (what I believe is there own business , based on resaerch).

 

as you well know legal matters can be very complex and require legal advice which I dont seem to be getting anywere. I am getting a lot of helpful advice BUT its so confusing as you get ' go there' 'go here' 'do this' which is brilliant but for a layman there is no step by step guide or information on how to effectivly deal with things like this.

 

 

 

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  • 1 month later...

Hi,

 

If your agreement is with Lancashire Mortgage Corporation then you may find the following points useful to help you address the matter in the most effective way. 

 

First and foremost I can tell you that Lancashire mortgage corporation is no longer Lancashire mortgage corporation as you know it.   In January 2017 the name changed.  You can check this information on the companies house website.  Today, Lancashire Mortgage Corporation is a dormant company that was incorporated in 2016 or at least this is how it appears since the name changes.  Of which there were many. 

 

To address the correct company that your agreement is wit you need to be writing to : Together commercial Finance Ltd.   This is the real Lancashire!  

 

However, even this will lead you to a dead end as Lancashire (now together commercial finance ltd) are not regulated by the FCA.  They will just direct you to the The Financial Ombudsman, knowing full well that you won't get anywhere that way either due to the fact that they're not regulated by the FCA.  They're wasting your time. 

 

I pressed the FCA on this matter as it did not make sense.  How could a lender operate without having to follow regulations?  It took me 3 refused FOI requests and a letter to my MP to finally get a straight answer from them.

 

 

So here it is, the key information that you need to get anywhere. 

 

Lancashire mortgage corporation (now Together commercial finance ltd) operate free of regulations because they are are an introducer representative.  This means that they have a PARENT / PRINCIPLE COMPANY that is responsible for them.

That parent company company just so happens to be Cheshire mortgage corporation.  The only one within the group that is regulated by the FCA.  Also the one that was fined for unfair lending by the FSA back in 2012.  If Lancashire do something wrong then it's them who are responsible.  You need to address them as the parent company with regards to their introducer and the unfair treatment you feel you've been subjected to. 

 

one last thing.... just like Lancashire,  Cheshire mortgage corporation have also had a name change.  Therefore the real Cheshire mortgage company is now called TOGETHER PERSONAL FINANCE. 

 

Visit the companies house website and search Cheshire mortgage Corp and Lancashire mortgage Corp., you'll see right away how these companies were incorporated in 2016.  Scroll to the bottom of the page, you'll see a section titled, previous names. 

 

once you understand this lot you'll be ready to address the right company which is regulated and you will be on the right track to resolve your situation without being sent on a wild goose chase. 

 

let me know if you need me to explain anything better.  I'm happy to help :-)

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