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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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CCA to Lloyds tsb Visa


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Hi. I sent a CCA request to Lloyds Tsb regarding a Visa account last week (16th May). Today I received my cheque back, no covering letter, just on its own.

 

Does this possibly mean they will not be able to supply an agreement?

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Guest Mincemeat

Excellent news. Now make sure they remove any adverse information they may well have posted with a CRA and you're home free

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No, it probably means that they don't want the £1, but that's their choice.

 

They can't ignore the CCA request though and the prescribed timelines still apply. Presuming you sent by rec/del and they've signed for it keep all your paperwork in order and sit back and wait.

 

Good luck, regards, Dave.

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When I sent a CCA request to LTSB via BLS collections (in house DC's), I got my £1 back too but with a covering letter stating that they don't keep agreements longer than 6 years.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-cca.html

 

The trail's gone a bit cold on this now, they're just ignoring me (& i'm letting them!).

 

Regards, Dave.

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One of my TSB debts was taken out in 2001, just cant seem to remember what month.

If I can hang on a little longer, I might get lucky unless they have got wise and started keeping them longer now after getting stung by members of sites such as CAG.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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  • 1 month later...

Hi. I sent a request to Lloyds TSB in regards to a Credit Card for SAR back in mid April, 40 days passed and nothing received. I also sent a request for a CCA for which they sent me an application form. This defaulted on 5th June. I have since sent an LBA for my SAR and they have just sent a letter saying we are looking into you complaint.

 

So we are way over the time limit for an SAR and soon they will have committed an offence. Problem is, they wrote telling me if I dont pay them they will help themselves to my bank account.

 

 

Are they able to do this under the circumstances stated above?

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When was the letter dated advising they were going to help themselves to your bank account?

 

Dont ignore this, you have to open a 'safe' account ASAP and change any salary or benefit details so it is paid into this new account. If you cannot do this immediately you need to send the bank a letter of appropriation ASAP highlighting that the money in or coming into to your account is to be used for priority bills / debts only (you will find a template letter on the site). This will stop them from helping themselves but it is possible they will close your account down.

 

As for the SAR you need to report them to the information commissioner for non compliance to your request.

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TSB did this to me a few years ago catapulting me into the situation I am in now.

They will do it.

Open another account today.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Spot on Yaffsimone & Belaflat - new account is the immediate priority. If you have a poor credit history or you aren't weanting to be credit checked for whatever reason then just make sure you ask for a basic bank account as you shouldn't need to be credit checked as they don't offer an overdraft ( they will need proof of ID and may check that you are not an undischarged bankrupt ).

 

If you are looking to exercise your first right of appropriation in the meantime you need to do this at least 7 days before funds are due to be paid in. I advise you hand the letter in at a branch, get a receipt and ask for it to be read there & then.

 

If they are not complying with SAR then you could go route of complaining via Information Commissioner:

 

Information Commissioner's Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

Tel: 01625 545745

Fax: 01625 524510

E-mail: [email protected]

Website: www.informationcommissioner.gov.uk

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  • 4 weeks later...

Story so far:- Re: LLoyds TSB credit card

Wrote to Lloyds Tsb in April requesting SAR, 40 days up 30th May

Wrote requesting CCA in May - 12+30 days up 5th July.

 

I have proof of receipt for both of my requests.

 

I have received an application form + t&c's only. I have sent reminders and the last letter I received from them was dated 12th July saying they would resolve the outcome of my complaint within 2 weeks. They are way past all relevant time limits and to top it off they are dipping into my bank account for the minimum payment each month despite everything!

 

What do I do now? Any advice would be appreciated.

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The first thing to do is change your bank account so they can't dip into it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Move banks to a safe account ie a bank you have no debt with - LTSB are exercising their first right of offset against your account.

 

Once they are past relevant time periods you can approach trading standards to take these up on your behalf as potentially criminal offences have been committed

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I have moved my account so they can nolonger help themselves!!

 

I also sent them a letter requesting all monie sto be repaid to the account for failing to produce a SAR (April 2007), nothing received and for failing to produce a credit agreement (May 2007), alls they have sent me is an application form with T&C's.

 

Today I received a letter stating that as far as they are concerned, the application form is the agreement (they have actually said that) and that I signed to accept the terms and conditions and have enclosed a copy and will continue to take money in accordance with these.

 

They say that I made a verbal request for my last 2 years statements. I made no such request, I made a full request for a SAR. They then say please allow 28 days for them to be delivered!!! Can you believe it??!!

 

Well they can't help themselves to my money anymore and I shall not be paying them. I think I will also CCA them for my overdraft now.

 

Where do I go from here? Is there anyway I can issue legal proceedings? This is a complete joke!

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What address did you use please for the Credit Card. My daughter has had terrible harassment from them even up to 4.30 pm on Sunday. Today I've sent them a 3rd Harassment letter and copied in OFT, FOS, FSA and TS. I am now going to CCA them so if you could give me the best address to write to this would be appreciated.

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  • 3 weeks later...

I CCA'd BLS for an old account with LLoyds TSB.

 

 

They are way past the criminal offence stage but keep asking for money despite this.

 

 

I have now reveived a letter advising that they do not have an agreement for this,

they nolonger have any statements due to the age of the account

but as I have been paying it for the past how many years this is an admission

that I owe the money and please resume payments.

 

Can someone advise on how to respond please?

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Stop mucking around with BLS they'll just run you around in circles.

 

Go down the formal complaint route with LTSB, this will also give you the option of approaching the FOS later on if need be.

 

Service Recovery Centre, Lloyds TSB, 125 Colmore Row, Birmingham B3 3SF.

 

Lloyds TSB - Complaints procedure

 

Good luck, Dave.

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Good advice there Madh21. . . that is the best option.

 

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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