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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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Moriaty Law + Utility Warehouse


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Hi,

 

This is my first time on this forum, so please excuse me if i've posted in the wrong forum.

 

I received a letter from Moriarty Law today(attached) claiming that they are acting on behalf of Utility Warehouse recovering a debt of £3093.15 dated from 22/10/2013.

 

I have moved around a lot in the last few years but have been at my current address for over 2 years yet this is the first I have heard from them.

 

I have absolutely no idea where the debt of £3,000 has come from,

I was renting a house with my friend back in 2013 and Utility Warehouse were our energy suppliers (all bills were in my name as it was easier)

 

I have checked my emails and my bank statements, I can find a payment to Utility warehouse in March 2014 for £150 but nothing else.

I should also mention, the property that this relates to, we only lived there for six months until April 2014 and then both moved in with our parents.

 

In regards to the letter, I have been working really hard on getting out of debt over the last few years and recently took out a debt consolidation loan with the aim of getting the last few things I owe, paid off, my credit score has only recently recovered after a few family members went rogue with my credit score when I turned 18.

 

I cant afford to have a CCJ on my credit file.

What should I do?

I cant see how we could have racked up a £3000 debt in the six months of living in a 2 bedroom flat.

I cant see anything from UW on my noddle report either.

 

Do I write back to Moriaty law?

Any help is massively appreciated.

 

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Please edit out reference numbers and details.

 

i would also advise writing to them using a prove it letter. Otherwise they could go for a CCJ on an old address, even if they know your new one.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I suggest that you send an SAR to UW

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I've hidden your pic as you've not bothered to redact it at all.

you don't need to out it back up

but in future read upload and use PDF please.

 

you'd posted in the bailiff forum

moriarty are not bailiffs and have in all truth zero legal powers.

 

did you get a response pack with that letter of claim.

that looks like the attachment in post 4 here:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

if so comeback and tell us

as your response might be a little different than sending some silly out of date prove it letter that's not really applicable in todays climate

and if you did, that will encompass most of what an sar does too.

 

typically UW will bill you from before and after you left the flat

so I hope? you have ref to readings when you moved in and when you moved out> and did you tell them...or just ran.>>

 

let us know these bits then we will form the correct response please.

 

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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Hi,

 

I'm so sorry, I couldn't figure out how to get rid of my attachment using my mobile.

Thank you for your responses.

 

I did get a response pack - I haven't responded to it yet,

I am going to contact my previous letting agent today for a copy of our tenancy agreement to ensure I can confirm dates of occupation.

I can't find any evidence of meter readings, but I remember calling them to tell them we were moving house.

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ok well don't take too long.

pers I think you need to respond to them within the 30 days window.

 

we'll deal with that when you have the info.

 

or ring UW up and ask what meter reading they have based their bill on?

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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moriarty don't ever turn up

update us please on whats going on 

 

previous upload hidden again

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

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