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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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Stepchange - should I keep paying or do I have options?


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Hi all, 

 

I’m after some advice - back in Jan 2020, I entered into a DMP with stepchange and have been paying monthly ever since. The monthly payments have changed throughout the years depending on what I could afford etc, but I have paid nearly 13k towards my debts. I’ve come across this site and now I’m wondering whether I even need to keep paying, I’ve listed the outstanding remaining amounts below:- 

 

Wescot (NatWest unsecured loan): £4,300

Wescot (NatWest unsecured loan): £2,900

Wescot (NatWest Over-draft): £1,500

PRA group (MBNA credit card): £1,200

PRA group (barclaycard credit card): £3,500


Please could you kindly give your advice on whether I should continue paying with stepchange or what other options I have? Thanks :)

 

Edited by EllaRose5922
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list whom wetcloths stated clients are for each debt

and when you took each type of credit out please

 

yes DUMP stepchange NOW regardless, stop paying them. can't hurt you.

you can do this all yourself.

 

send PRA a CCA request for each debt they have.

 

youve found the self help forum

go read a good few threads here.

 

you'll soon get the idea....

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, 

 

Wescot are clients for NatWest (I assume as that's what it says on my Step Change portal and the figures match up)

 

- 2 x secured loans dating back to August 2017, February 2018, 

 

then also the over-draft I had with them as I was banking with them at the time.

 

These debts were all marked as 'satisfied' in April 2021 & June 2021 according to Experian.

 

It looks like these debts have been taken over by 'Intrum UK Finance Ltd' as they are listed on my credit report and are updating it monthly - these also marked defaults back in 2020 - no idea who they are? 

 

Are they Wescot?

NatWest? 

 

I will send a CCA request to PRA today. Thanks.

 

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Intrum are debt buyers, so Natwest has sold all 3 then 

 

In post 1 you say unsecured, above you say secured, it's doubtful NatWest would see on secured loans, which is it please 

 

Get a CCA request sent to intrum for each one. Forget the OD totally that will die naturally. 

 

Can we have the take out date for each debt please 

 

And as a reminder, stop paying stepchange, dump them now!!

 

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 there, 
 

Barclaycard credit card (now with PRA group) was taken out in July 2016 and defaulted in Dec 2019. This debt currently stands at £3,500.  
 

MBNA credit card (now with PRA group) was taken out in May 2018 and defaulted in May 2020. This debt currently stands at £1,100.  
 

Apologies about my previous post, both NatWest loans are UN-SECURED and detailed below. 

 

1 x unsecured loan (now with Intrum UK Finance Ltd) was taken out in February 2018 and defaulted and marked as settled in April 2021. This debt currently stands at £3,900. 
 

1 x unsecured loan (now with Intrum UK Finance Ltd) was taken out in August 2017 and has not marked as defaulted on my credit file for some reason but has been marked as satisfied in April 2021. This debt currently stands at £2,600. 
 

In terms of the CCA to Intrum, I’ve never had any correspondence from them so I don’t have any reference numbers - is that a problem? 

I also would like to consider going down the route of being mis sold the two loans by NatWest - would you recommend that or not? 

 

Thanks 

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an original creditor will send out a default notice on or before sale and mark the debt settled at sale.

 

as long the original creditors had your correct and current address at sale, then i would wait for the debt buyers to write before further action.

 

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, 

 

Would you go ahead and contact PRA group still as I have reference numbers for them as they have corresponded with me before? 
 

Also, I’ve checked some correspondence and I have reference numbers for Wescot but definitely nothing from Intrum? 

thanks 

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id await notice of assignments

 

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

Last year I stopped paying stepchange for a couple of months as I lost my job and PRA group rang me straight away and was ringing me 3/4 times a week - so I’m sure they’ll do that again along with wescot. What do you advise when they do this? 

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you must get reading other threads here in the self help forum yours is in.

 

you are under NO legal obligation to converse by phone/text/email

WRITING ONLY.

 

a DCA is NOT A BAILIFF

and has

ZERO legal powers on ANY DEBT - no matter WHAT its type.

 

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

Hi, yes I understand this completely but I’ve read a few threads and I’m a bit confused as to what route I should go down. You suggested doing the CCA request and then said wait for notice of assignments and then on other threads I’ve seen suggestions to do £1pcm token payments.
 

I would rather take control than wait for notice of assignments whilst they call me and my parents landline every day! (They have these details from when I applied for the loans apparently). I’m not in a position to pay £300+ a month anymore, especially with winter coming up and my rent going up it’s not feasible. 
 

Thanks 

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When you get the NOA. Till then wait 

 

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

  • 1 year later...

Hello, 

I am hoping for some advice on the back of the above thread please. 

After some months of illness after a family bereavement, I finally stopped paying Step Change (I did this back in September) and took control of the debts myself. After reading some threads, I did a CCA request to PRA Group and Wescot. PRA Group hold two of the unsecured debts - Barclaycard credit card (defaulted in December 2019) and an MBNA card (defaulted in May 2020).  

I have received response from Wescot (they have the 2 x Natwest Loans and 1 x Natwest Overdraft, saying the account is on hold and they will be in touch with the documentation once they have it (this was requested in October).

I have received a response however, from PRA Group after putting my account on hold for the past 2 months, but all they have sent me are historic terms and conditions and old bank statements from both Barclaycard and MBNA. They have now said I have until 14/12 to get back in touch to re-arrange a payment plan. 

Please could you advise what are my next steps? I have tried to read other threads but would really appreciate some guidance.

Thanks

Edited by EllaRose5922
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Hello

Looks on the face of it that PRA Group has not yet complied with the CCA request so you do not need to do anything further in my humble opinion.

They might continue to correspond but have failed to comply until they...well...comply so can be ignored.

It is looking very promising as if they could send you the original agreement they would have, what they have sent you is a waste of paper in the hope you will think they have complied.

If it goes as far as a letter before action then that would be something you would have to respond to.

Hope others on this thread will confirm that I am correct.

Following with interest.

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why did you send cca requests to wescot ?

you were told to ignore them as they dont buy debts and only deal with their stated client.......who is?

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... 

Link to post
Share on other sites

I sent them a CCA as I was paying them through stepchange so reviewed some other threads and thought that was the best course of action .. guessing I didn’t read threads properly? Their client is Intrum  I assume as that’s who is stated on my credit file as having the debt. 
 

So comebackjimmy - should I not respond with saying they have not complied so I will not be setting up any plan. Should I simply ignore

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