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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 debitΒ  using my debit card on my behalf. Β£62.18 was the initial payment on 8.2.24 Β and Β£31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of Β£372.75, therefore the car was clearly taxed beforeΒ  I took the car away After checking one of my vehicle appsΒ  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 Β£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 Β£31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of Β£372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the Β£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 24Β  up to date has been taken with none rejected as follows: 8.2.24 - Β£62.15 1.3.24 - Β£31.09 2.4.24 - Β£31.06 1.5.24 - Β£31.06 3.6.23-Β£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 Β 
    • 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 β€œunite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was β€œnot 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. Β  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 - So whens farage getting around to renting (and subletting) a clacton beach hut? Β  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 Β  Β  As Douglas Ross says he'll stand down in scotland - if he wins in Westminster - such devotion.
    • I've completed a draft copy to defend and will post up here for review.Β  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 πŸ˜‚ and won't let it bother either me or my partner.Β  I'll revisit this post if/when I get a letter of claim.Β  F**k Γ©m.
    • Please check back later on today for a fuller response and some edits
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lantern/moriarty claimform - old QQ debt.** Claim Dismissed** - now chasing again!


swt61
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good morning all,

I have over the last few weeks received letters and a cc claim form from moriarty law for an old QQ account

Β 

I went online to acknowledge receipt of the court claim form and have put that I dispute the debt.

Β 

Ive sent cca requests to QQ and to Lantern on the 1st of july and only have had a letter back from lantern with a supoosed CCa

but this cca does not relate to a QQ debt on the court claim forms

its for an old Mr Lender loan where the default shows as registered and satisfied on my credit report.

They also sent me back my Β£1 postal order.

Β 

What do I do next

Β 

ive told moriaty law that theirΒ client has failed to supply me the correct information.

Β 

This debt would be statute barred in Nov

Β 

can anyone help please im stuck and very worried about getting a CCJ by Default

Β 

ThanksΒ 

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please complete this so we have all the correct info required to properly advise you.

Β 

Β 

Β 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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  • dx100uk changed the title to lantern claimform - old QQ debt.

So you have already submitted a defence ?

Β 

Quote

I went online to acknowledge receipt of the courtΒ claim formΒ and have put that I dispute the debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

Β 

Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

If you want advice on your TopicΒ please PM me a link to your thread

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Β 

LANTERN DRS (FORMERLY MMF)

Β 

Date of issue –21/6/19

Β 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = 10/7/19+ 14 days to submit defence = 24/7/19Β 

Β 

Β 

Particulars of Claim

Β 

What is the claim for – the reason they have issued the claim? .

THE DEFENDANT OWES THE CLAIMANT Β£336.03 UNDER A REGULATED LOAN AGREEMENT WITH CASHEURONET LLC T/A QUICK QUID DATED 15/4/2013 AND WHICH WAS ASIGNED TO THE CLAIMANT ON 4/1/19 AND NOTICE OF WHICH WAS GIVEN TO THE DEFNDANT ON THE 4/1/19(DEBT). DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO NPAY AND THE CLAIMANT CLAIMS Β£336.08 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69N OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8% PER ANNUM AMOUNTING TO Β£26.88

Β 

What is the total value of the claim? Β£447.96

Β 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? YES FROM MORIATY LAW ON THE 20/6/19

Β 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO

Β 

Did you inform the claimant of your change of address? N/A


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Β  PAY DAY LOAN

Β 

When did you enter into the original agreement before or after April 2007 ? AFTER

Β 

Do you recall how you entered into the agreement...On line /In branch/By post ? ONLINE

Β 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES BUT ONLY SINCE JANUARY 2019 THE ENTRY IS FROM LANTERN

Β 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER

Β 

Were you aware the account had been assigned – did you receive a Notice of Assignment? NOT AWARE

Β 

Did you receive a Default Notice from the original creditor? NO NEVER

Β 

Have you been receiving statutory notices headed β€œNotice of Default sums” – at least once a year ? NO

Β 

Why did you cease payments? DEBT WAS ROLLED OVER AND I COULD NOT AFFORD THEM

Β 

What was the date of your last payment? 3/2 17 Β£1 UNDER A DMP BUT I STOPPED AS I PUT THE ACCOUNT IN DISPUTE WITH QQ AND EVEN OFFEREDΒ£150 AS FULL AND FINAL BUT THEY NEVER REPLIED

Β 

Β 

Was there a dispute with the original creditor that remains unresolved? YES

Β 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES AS STATED ABOVE

Β 

i just did acknowledgement of service and ticked dispute all,

Β 

as I said lantern replied to my cca request but sent me this attached info instead and not the court claim.

Β 

the cca they sent was for a default that shows settled on my credit file and not the QQ one

Β 

Β 

Β 

hi sorry for the delay but will this do

Combine Jul 15, 2019.pdf

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why oh why did you not start an irresponsible lending complaint against QQ as advised 3yrs ago

this could have all been resolved by now.

Β 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

Hi mate, i tried and tried with QQ but they kept ignoring me and just kept sending statements by email,

my concern now is obviously the potential court action regarding this

but also that lantern as you can see sent me a totally incorrect cca for a different lender thats shows as settled and default satisfied on my file.

Β 

QQ even never replied to a full and final offer years ago as i cant be dealing with thisΒ 

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Did you send an IRL complaint??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

ok should have gone off to the fos then.

never mind

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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simply file our std no paperwork/holding defence in most PDL claimform threads here

Β 

just remember moriarty don't turn up anyway in court as long as you do, you'll win.

Β 

you've a +week yet so post it up here 1st.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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just type no need to hit quote

Β 

put your defence up here 1st mind for checking

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

wont make any oddsΒ 

Β 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

well that might be for later IF the claim ever gets to the disclosures stage.Β 

Β 

they aint gonna turn up anyway

this is moriarty

id request everything in the CPR list.

wont hurt you.

Β 

Β 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

But im pretty sure if you didnt say anything to them and it went to court, they supplied a CCA which is NOT anything to do with the original loan - They would be shot out...Β 

Surely...Β 

Evidence wouldnt back up their claim...

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yes..you would [if needs be] be questioning this at the disclosure stage [witness statement]

Β 

Β 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

Thanks again for all your help today I know it’s all been short notice but you’ve all been great thank you πŸ™.

Β 

I am posting the cpr request in the morning first class but what exactly in wording Β do I need to put online now with the mcol ref the claim as my defence please

Β 

as I don’t know what to put on as I believe Tuesday next week is the deadline for the mcol case

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time to do the other part of CAG now and that's self help.

Β 

click the very top left CAG squares logo

then doen on the left

you'll see

Β 

custom google search box.

Β 

type in there

Β 

PDL Claimform.

Β 

and read as many threads as you can the more you read the stronger we become.

if you wish

limit your search and add in in Moriarty

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

Link to post
Share on other sites

Good morning request sent off yesterday to moriartyΒ law Β but today got this load of toshΒ 

Combine Jul 17, 2019.pdf

Β 

Anyone any advice of any of the stuff they’ve sent ? Still no cca or default notice only the stuff above which looks like a hash to put together some stuff

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its all stuff from their system and on their letterhead

not from the OC so who knows if its truthful

I thought you'd guessed that by your comment which is why I didn't.

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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