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    • First thing to do is what the the DVLA website extract says - write to the Central Casework Group with full details of your licence, adding that you spoke to DVLA call centre xx/xx/xxxx and they told you they couldn't see the details either.  Get proof of posting. Are you in physical possession of your Driving Licence Photocard? And the card shows it is still current? If so include a photocopy of it when you write to DVLA. There's no reason for you to assume that the licence has been cancelled or that you have been banned. Just some IT problem at DVLA. I wouldn't go into all the stuff about your court case last year. There's no evidence that the current glitch in the DVLA system is anything to do with it and it will just muddy the waters.  Most comparision sites ask for your licence number. You can get quotes without the licence being checked but when you take up an insurer's quote they then check your licence number against the DVLA website to make sure it is valid and to check if any Points for motoring offences are recorded. If you are unable to access your licence details on DVLA then insurers won't be able to either so they will refuse to proceed and cancel their quote. 
    • How about posting the full email, rather than just the bits you want us to see??
    • Hi Folks,   Thank you for your help so far. Please find below the correspondence so far from various parties. If I've missed anything, please let me know. Again, apologies for not posting the correct stuff. I thought I'd lost it all, turns out it was on a rarely used pc Letter advising of change of address will be posted shortly, with proof of posting not tracked. Buncrana 1 Edited Notice To Keeper ECP.pdf 2 ECP Back of PCN.pdf 3 DRP Edited 25012021.docx 4 DRP Back of letter.docx 5 POPLA Appeal redacted.pdf 6 DCBL 30:04:24 Redacted.pdf ESSO Cobham Signage.pdf
    • Thanks just looked at SARequest It wouldn’t make ebay have to say why they suspended me. all their email said was that it was related to buying activity. But under that bike buying activity there are about five different reasons why it could’ve been. But they haven’t specified which of these five reasons it was.
    • Thank you Ethel, their letter was literally one line, with an added bonus of a typo..... "As you own the land that the property was damaged on we would not be able to dela with that aspect of the claim.", so I think it may be the initial fob off. I have replied just stating "This is not correct, the fence is owned by XYZ ltd, please clarify?", but will follow it up with a letter from the company. will let you know how I get on x
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Quidie Ltd T/A Fernovo Payday Loan Irresponsible Lending Offer


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Hi,

My Son took out various payday loans in which I suggested that he submitted various Irresponsible Lending Complaints due to the state of his finances at the time in which he is now on a Debt Management Plan.

He has received an offer on one from Quidie offering reduction of balance to Nil from £29.38 plus refund of interest of £8.36.

They also said that his Credit File would also be updated accordingly.

I know it is now a small amount but in principle should he accept or escalate to the Financial Ombudsman?

Details of original loan :

Opened: November 2022

Period: 4 x Months

Credit: £200.00  

Interest: £100.87

Total Payable: £300.87

APR: 1,272.20% 

Thank-you for looking.

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hope that dmp is a self managed one?

as for this refund, so he had paid everything bar this £29 left to pay?

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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dump stepchange do it yourself!

esp if some of the debts are historic and or could be subject t oany IRL complaints in the pipe line.

stepchange simply advise to blindly paY DEBTS NEVER ACTUALLY HELP CHECK IRL OR ENFORCABILITY.(opps caps)

as for this debt.

then surely he should have some of his payments returned too>?

the typical IRL action is to remove all interest then that leaves just the principle sum to pay. 

then deduct from thAT sum any payments made, then either request remaining paYMENT TO REACH PRINCIPLE SUM OR REFUND any EXCESS paid + 8% simple int .

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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A belated thanks dx.

Yes I may take your advice regarding StepChange.

I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me.

If I was to take on myself is there another way of dealing with various debts?

I have already submitted other IRL complaints on his behalf.

Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.

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have a good read in the debt selfhelp forum.

its easy to do a self managed one..only on the debts you find ARE enforceable mind..:eyebrows:

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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as i guessed re interest then..they are removing it... has he paid it off then if you add up his payments todate?

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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