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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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Lowell/overdales claim 2017 Judgement over son's Very CAT debt


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well there obviously is/could well a CCJ else they would not be writing...

 

as they say it was gained on 29/12/17 thats within 6yrs 

go get your credit file please

 

does it show?

 

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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  • dx100uk changed the title to overdales claim i have a CCJ from 12/17

reviews??

they are solicitors for the largest debt collector in the uk lowells. rarely do lowells bluff on existing CCJ's

ok a debt collector has zero legal powers and are not bailiffs

but

they buy old debts

and fleece people out of money or try too.

 

people can ignore all they like but if they ever sent  letter of claim or  the debtor gets a court claimform , they like you or i can take people to court, and if that person has moved and never updated anyone.. = backdoor ccj guaranteed.

 

i suspect your son has had mail elsewhere and has ignored it all even the court claim and an eventual court judgement in 2017.

they are only doing this as the ccj is coming upto 6yrs old

that sort of makes it a bit more difficult to enforce it (i.e back to court to ask the judge to send bailiff whom are all but powerless too on consumer credit related CCJ's) no forced entry allowed.

 

i would suspect your address is the original one he took the debt out at in 2012 as you seem to know a bit about it.

 

not saying do anything nor pay it, but it would be better to know its real 

 

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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what has?

 

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

  • dx100uk changed the title to overdales claim son has a CCJ from 12/17

nothing. i suspect.

so he has bought this round to you not knowing what to do?

did he know about the CCJ existence before now?

 

overdales can quite legally write to any linked address on his credit file chasing payment of this ccj.

 

in 2012 he was living with you when he took this credit out i suspect, then he must have moved to another address where everything went too and then he moved again to the address they've just written too?

.

that doesnt hurt him, they are just phishing trying to finding him 

 

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... 

Link to post
Share on other sites

Not at all 

 

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

He has till now.

You say he rang them?

What information did he give them?

And what is the actual debt all about 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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Share on other sites

So probably all made of old buy now pay later fake interest anyway 

 

Trying to get info out of you is like pulling teeth. 

 

Did he know anything about this ccj existing at all prior to the letter? 

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

There is mention in the letter above something bout n agreement to pay £100 per month but I don't know if that was court or just him agreeing to pay.

 

he lives quite far from me so little contact with him.

 

Should I advise him to ignore, thanks?

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Well he has to date....

 

They've had 6yrs to enforce it and they haven't 

 

Why do you keep putting up silly trust pilot crap 

Totally irrelevant.

 

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

8 hours ago, holsdad said:

There is mention in the letter above something bout n agreement to pay £100 per month but I don't know if that was court or just him agreeing to pay.

 

that looks like what the judge ordered to be paid £PCM 

it says payments were not maintained,  this could imply he had at somepoint since 2017 paid some payments?

ive asked before, but it this the 1st he has ever heard about the existence of thisCCJ? why cant he come up on the forum himself rather than playing chinesse whispers through you?
 

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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Share on other sites

when was this and did he ever pay anything?

obv before the above letter so he did know about the ccj before showing you the letter he appears to be being cagy to me

 

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

  • dx100uk changed the title to Lowell/overdales claim 2017 Judgement over son's Very CAT debt

He told me he wanted to pay the debt up to get  car on finance so he rang them back then, would they go back to court with the ccj on it from 5 yers go, thanks very much?

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Paying off a CCJ doesn't make it go away.

 

You either pay within the time ordered by the court - 30 days - or you're stuck with it for six years.

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no good paying it off -  does not remove the CCJ or make it less painful, he wont get credit whilst it shows.

it's there, paid or not, paying or not, it will drop off his file on its 6th birthday. which is very soon.

 

on of the only things they can do is get bailiffs involved but to be honest that doesn't really change anything, this is a consumer credit CCJ, that means NO RIGHT OF FORCE ENTRY, and in practical terms you simply ignore the bailiff totally.

 

quite honestly i'd go radio silent on them, he has managed it for almost 6yrs , only gotta string them out ill the new year and he can get all the credit he likes then as the CCJ entry will drop off his file.

 

there are a few other things they could try, but all of those involve a court , and any court would write to him telling him what is going on, then we can deal IFIF IF these happen

 

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

they don't.

read CAREFULLY what i am advising you.

but they ARE removed from public record (credit files) after 6yrs.

 

and once a CCJ passes 6yrs, it's extremely rare for a court to allow enforcement. which is where they would have to go to try and enforce one.

 

 

they have had almost 6yrs and done nowt, he got a phishing letter, and sadly rang them (doesn't really change anything), but that's the idea of these letters, to reel people in.

 

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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