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    • Yeah I filed a defence against BW Legal which bought the debt off ICL. ICL have emailed me to say that due to breaches of lending laws a high court action has forced them to contact all borrowers and assess claims for refunds.     IMPORTANT INFORMATION   INVITATION TO CLAIM: SCHEME OF ARRANGEMENT IN RELATION TO INSTANT CASH LOANS LIMITED   Background We contacted you in July 2019 to tell you about our proposals for a Scheme of Arrangement. The Scheme is a legal process that will allow us to make an arrangement with all our creditors that will mean they should receive more than they would if we went into liquidation.   As a former customer, you were entitled to vote on whether or not we should put the Scheme into effect, so we contacted you again in August 2019 to tell you about the voting process.   The vote closed on 24th September 2019 and the substantial majority voted in favour of the Scheme. So on 8th October 2019 the High Court made an Order that made the Scheme effective, as of 9thOctober 2019.   This means that you now have 6 months from 9th October 2019 to tell us if you want to make a claim.   Why you may be eligible You might be a creditor of ICL because you have taken out a short-term loan with ICL or one of the companies which it owns in the past, so it’s important that you understand how to make a claim under the Scheme.   We believe that in the past, we may have behaved irresponsibly in lending to some of our customers and if you were one of the customers affected by this, you would be entitled to redress.   We’re not pre-judging the outcome of any claim; we’re simply contacting all the customers who may be affected, to explain the next steps.   How this could have affected you If we lent to you irresponsibly or your borrowing was unaffordable or unsustainable, it is possible that the interest or other charges you paid were unfair. So if you are concerned about any of the loans we provided, we’re inviting you to submit a claim.   What you need to do next You must submit your claim by: 9th April 2020   After this date, we will not be able to accept any new claims.   How to make a claim We’ve done our best to make the process as straightforward as possible. The quickest and easiest way for most customers will be to use our online Claims Portal. You can find this at www.themoneyshop.com. If you are unable to use the online portal, you can call our Helpline (see details below), but please be aware that in times of heavy demand, you may need to call us a number of times to get through.   To register, you’ll have to give your Customer Reference Number (at the top of this email) and your date of birth. Once you’ve registered, all you have to do is tell us you want to make a claim. We may ask you some simple questions about your financial circumstances when you took out a loan, but we won’t ask you to provide documents and we won’t expect you to remember specific facts and figures.   You’ll only need to make one claim, no matter how many loans you took out.   After submitting your claim, you may not hear from us for a while. We’ll be assessing all the claims we receive, and we’ll provide updates on our progress on our Website and through the Claims Portal. You don’t need to keep checking - we’ll email you to let you know if we have provided an update.   If we agree that we have behaved unfairly or irresponsibly in the way we lent to you, you will be entitled to a payment. We’ll expect to be able to tell customers the amount of their redress claim by April 2020 and there will be an opportunity to have that independently reviewed.   Once we know the total amount of claims, we will be able to tell people what percentage of their claim will be paid. This is because the fund has to be shared out proportionately across all customers who are entitled to redress. If you have an outstanding loan, we may reduce your balance instead of making a payment. The payments will be made by the end of 2020.
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broadbandfodder

Swapping Vehicle With My Brother - DVLA question

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Hi,

 

Me & my brother are swapping cars, both cars are the same year & relatively the same value. We are simply swapping as his car is an estate and better for my large dog and my car better for him as his daughter (my niece) can only drive automatics and mine happens to be an auto.

 

I'm just confirming the taxation side of things. I pay DD monthly on my car (so kind of runs from month to month) whereas my brother has paid for the full year upfront on his car. His car tax is paid up till May 2019

 

I'm planning on doing the transfer of ownership/sale online via DVLA website while I am at my brothers (he lives 30 miles away). I am assuming when I do the transfer online for both cars it will automatically cancel my tax DD with respect to my vehicle and as for my brothers car he will be refunded for his car tax for each clear month by the dvla ?

We will then need to both re-tax the cars again from kinda scratch?

 

Is this the correct procedure? To be honest I've never sold a car since the new car tax system. Obviously we will update our respective car insurance's at that time too.

 

Thanks in advance ;-)

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You are both selling your vehicles to the other and each,must follow current legislation.

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I always wondered if this swap could be done at midnight of the last day of the month to avoid losing a paid month.

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Thanks all for help & confirmation ;-)

 

I always wondered if this swap could be done at midnight of the last day of the month to avoid losing a paid month.

 

Yep,we are doing it at end of month to avoid losing any days etc ..as no hurry for both of us, seems a plan

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Let us know if it works.

I would prepare the two forms online on 2 different computers and click on submit at exactly midnight.

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As there could easily be a computer glitch, doing it at midnight could unfortunately result in a loss of the next month's refund.

 

I suggest that, providing that you both have off road parking at the propsed place of transfer (at your brother's according to post#1), you each do a SORN on the 30th when you have finished using the individual vehicle.

You then can take your time doing the ownership transfer and retax the 'new' vehicle on 1st.


My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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I think that's a better idea Gick.

No risk to be done over by DVLA.

As long as the cars are off road for the few minutes/hours it is guaranteed not to charge for the whole month.

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As there could easily be a computer glitch, doing it at midnight could unfortunately result in a loss of the next month's refund.

 

I suggest that, providing that you both have off road parking at the propsed place of transfer (at your brother's according to post#1), you each do a SORN on the 30th when you have finished using the individual vehicle.

You then can take your time doing the ownership transfer and retax the 'new' vehicle on 1st.

 

sorry I just noticed this reply - that's a great idea!n no losing out on any tax & probably less hassle, cheers @Gick

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