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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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Idem/Hoist now Lowells - old hbos Card debt - errors/incompetence


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Hi everyone first post here so please forgive me for any mistakes .

I have a 7k Bank of Scotland debt from 10 years ago and for the last 6 years i have been paying £50 a month  to IDEM who bought the debt .

Last week i got a letter from Hoist finance who claim they have now bought the debt and were demanding a payment to be made TWO days before the date on the letter head !!

They also referred to the debt in the original creditor name as Lloyds bank  !!

My first thought was to send them a CCA request which i done  they confirmed my account will remain on hold whilst they request the required documents , if they bought the debt why dont they have the documents ?

How long is reasonable time for them to produce the documents and any advice on what my next steps should be .

 

Cheers

Martin

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what was the credit type?

 

why are/have you been blindly paying a DCA esp for +6yrs on a debt that you'd never questioned the enforceability on by sending a CCA request - well done eventually! -

, now ignore then till they comply

 

they are NOT BAILIFFS and have ZERO legal powers on ANY DEBT.

 

 

  • Thanks 1

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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  • dx100uk changed the title to Idem now Hoist Finance old hbos debt - errors/incompetence

 

Well it was a Bank of Scotland credit card which I 100% owe so defaulted back than and been paying payments ever since , with the debt now being sold on .

 

The default has long dropped off my credit report and  for what its worth my expiran score is now 949.

With the cost of living biting I am struggling to pay this now .

 

Edited by dx100uk
unnecessary previous post quote removed
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Throw the morality card out the window...they do  .

 

You should have sent that CCA years ago.

 

All you have been doing is you've been a nice DCA cash cow for god knows how many years, running the sb date to infinity.

 

Can't comeback on your file defaulted more than 6yrs ago .

 

 

 

 

  • Like 1

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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12+2 then they are in default and unable to enforce the agreement should they wish to litigate.

 

Andy

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  • 3 weeks later...

So 30 days have now passed since Hoist acknowledged my CCA request with them stating my account is on hold and i have NOT heard anything since then ...

 

I know they cannot mess with my credit file but could they commence legal action or is that unrealistic from a cost point of view considering they must of bought my debt for pennies .

 

I am an impatient individual and am wondering what my next step is .

 

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Failed 12+2 working days limit 

Stop paying!!

 

Until or unless they reply with enforceable paperwork I doubt they'll go anywhere near a court room door 

 

Plus they have to abide by the pre action protocol 1st and send a letter of claim.

 

Well done another cash cow removed from the DCA milking parlour.

 

Dx

 

  • Thanks 1

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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No chance, its from 1999

 

Dx

  • Haha 1

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

So had a lovely letter from Hoist today enclosing a copy of the current terms and conditions provided by Lloyds  and also stating they CANNOT provide an historic copy .

 

It also says that my query remains open until they receive a response from the original creditor who they keep referring to as Lloyds bank when it actually  Bank of Scotland !

 

It then says a payment arrangement is in place and my next payment is due by sep 18 🤣 which is nonsense as no payment plan has been discussed with Hoist .

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That's hoist UK (now part of Lowell) for you 

 

Bye bye debt ...  . 

 

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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Share on other sites

Not quite 

Probably quite true that Lloyds have become the original creditors 

 

Lloyds, tsb, hbos, RBS, all inter merged and then split and remerged in many diff ways since 1999.

 

It's a real shame you got scammed into paying £50pcm for +6yrs to idem...never mind you are wise of dca's now 

 

Dx

  • Like 1

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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Hoist just love trying it on as another lovely letter asking if  my payment plan is ok when i have never made one with them  !

 

So many small inaccuracies as the letter was sent to a variation of my address along with a payment plan amount that is different to the previous letter  stated amount lol .

 

Almost feel that they make it up as they go along ?

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they do.

try anything to get you to respond.

 

they'll know the history from day one.

 

idem got you cash cowing nicely and thought they'd dump you before you found out and sold it to hoist, here you have a bit of free money, this mugs paid for +6yrs never once questioning anything.

 

ironic thing is hoist UK are now part of Lowells.

 

dx

 

  • Thanks 1

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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Its a template , DCAs simply do not operate or have the resources to deal with debtors on a personal level ...nor do they have any particularised history details of any account...so don't take it personally.

 

 

Andy.

 

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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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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  • 1 month later...

Have received a letter today from Hoist saying they have enclosed a copy of the agreement and statements from my CCA request and requesting me to enter into a payment plan.

 

There is a readable copy of my 24 year old application form and a 10 page credit card agreement with my name at the top plus print outs of the monthly credit card statements .

 

What i noticed missing was a copy of the default notice ( i still have the original one issued 10 years ago)

 

Next move ?

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Probably t&C's with your name at the start for time of take out and an application form missing most of the prescribed terms?

 

Scan everything up minus any statements to one pdf 

Read upload

 

 

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

from page 2 fwd, there are pages missing .

 

we need right thru to para 18 and beyond and the sig page on that agreement

 

page 1 is just an application form.

 

you dont get a default notice in a reply to a CCA request.

 

dx

 

  • Thanks 1

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... 

Link to post
Share on other sites

no signature box then, no dates either, adn an old application form that is not compliant to CCA.

 

bogroll.

 

hoist, you are going to have to raid your filing cabinet a bit deeper to fool us and a judge that that lot is anywhere near enforceable.

 

dx

 

  • Thanks 1

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

So just to clarify  because those CCA documents have no dates and no signature boxes its not enforceable ?

 

Have to admit they could of just typed my name on the top of any relevant document and claimed its vaild !

 

That application form is so old its worthless ?

 

As always DX you are a very helpful individual.

 

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you need to read a good few lloyds, hbos, tsb threads etc,

 

dx

 

  • Like 1

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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