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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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Ignoring my S.A.R


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Hi Bailiffchaser

 

Yes, the 40 days is up, but I could not get an answer as to whether what they sent in answer to my CCA was okay or not.

 

Do you know?

 

Also, after this CCA letter, someone on this site told me I should send a SAR letter, which I did, and got back just sheets of their own notes and copies of my own letters.

 

Then after asking advice on here, I found I was barking up the wrong tree and should have SAR'd Barclaycard, which I now have.

 

But these legal letters have now been coming from a separate legal company.

 

Is my idea, sending them copies of everything, correct, do you know? Or can you suggest another route?

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You need to send the sar to barclaycard at their pavillion drive addres and adress it to the data protection team. They will then send out to you a envelope or two full of your statements but printed in a diffrent way to what you are used to seeing. If however you do not recieve a reply to your sar or you think that barclaycard are hiding information then you can issue a non compliance claim against them. The cca is if you are after a copy of the original agreement.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Hi Bailiffchaser

 

I have sent Barclaycard the SAR to that address as advised, and still awaiting a reply, though it hasn't even been 12 days yet.

 

I really just needed to know what to do about the DCA and now their legal people- another, separate company. How to get them off my back?

 

Also, I would be grateful if anyone at all could tell me whether sending me a copy of the 1st page of my application form to Barclaycard is in compliance with the Consumer Credit Act letter that I sent them, or not. If not, I can then send a letter stating this.

 

My other idea is whether to send both the DCA and their lawyers a letter stating that they have not complied to my request by CCA because they have at no time sent me a copy of a legal letter stating that they have bought the debt from Barclaycard.

 

Does anyone agree? And does anyne have a template?

Thanks

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Let the dca do what they want just ignore any threats etc. Unless they actually issue proceedings in court you are safe. If in the meanwhile they do issue in court then you can file a defence to the effect that you are waiting for a reply to your sar. Also notify the cra that the account is in dispute.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

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Mave from what you have said I dont think the agreement copy they have sent is sufficient, did they include a copy of Terms and conditions with it ?

 

The DCA is trying to apply pressure by causing confusion, to some extent you can almost ignore them (not totally though) If they do issue in court then you simply defend the entire debt as its based on unlawful charges, mention in the defence you are awaiting a reply to an SAR to calculate exactly how much is due to be reclaimed. The judge should then grant a stay allowing time for you to properly counterclaim.

 

As the DCA is creating confusion by using at least 3 different companies just write back to them (the one you have been dealing with) and tell them you will only reply to them. That should reduce their letters and threats.

 

Any possibility of scanning the Agreement copy they sent you ? I can better advise by actually seeing it. Also dont forget that any paperwork which is part of the agreement should be legible.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Hello Tamadus and Bailiffchaser

 

Thanks, that was very helpful.

 

I haven't got a scanner, but I will check again what they have given me.

 

If, as you say, they haven't sent me the lawful' answer to my CCA, shall I send them a letter stating this? And also, a letter saying that they haven't yet sent me a copy of an agreement saying they have bought the debt from Barclaycard?

 

Interestingly, I noticed that the legal company say that they were instructed by 'Lowell Portfoli 1' and I seem to remember someone saying that this company was acting illegally or was not registered or something? Must check this

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I would certainly write and tell them the situation they are in.

 

Not sure about Lowell but it looks like they may have processed data without concent.

  • Confused 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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ooops that should read consent :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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