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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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any advice


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received a letter today from alliance one acting as agents for barclays. it says we have not complied with the default notice (probably because we've never had one).we had sent mercers a cca on the 9/07/07 & this letter is dated 13/07/07. we have heard nothing from mercers since, should we send another cca to alliance one :-x

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received a letter today from alliance one acting as agents for barclays. it says we have not complied with the default notice (probably because we've never had one).we had sent mercers a cca on the 9/07/07 & this letter is dated 13/07/07. we have heard nothing from mercers since, should we send another cca to alliance one :-x

 

 

Hello smiffy,

 

 

It's up to you really.

 

You could if you want. It's only £1!

 

 

Regards, Jeff.

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  • 3 weeks later...

have sent the cca to alliance one, at least the phone calls have stopped !!! but i've had no other contact from them,

does the clock start ticking from the day they receive the cca request??

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i've just received this in the post from barclays, which is from the initial letter i sent to mercers

C:\Documents and Settings\Edna\My Documents\My Pictures\2007-08-12-1538-01\DSC00690.JPG

C:\Documents and Settings\Edna\My Documents\My Pictures\2007-08-12-1538-01\DSC00691.JPG

 

can anyone with a bit more experince than me have a look & see if it's ok?

it aslo came with a sheet containing standard "financial & related conditions"

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Hi Smiffy 66 - just subscribing:)

 

I had major problems posting correspondence on my thread - this is what I did:-

 

Take a copy of your letters, black out all personal info, scan to jpeg, then upload to Photobucket Image hosting, free photo sharing & video sharing at Photobucket - highlight IMG code (third box down), copy and then paste on to your thread - worked for me:D

 

Bo

 

PS - Photobucket is free!

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Well this is a copy of your application. Have they stated that this is a copy of the credit agreement?

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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the letter from barclays is headed

"ref: section 78 of the consumer credit act 1974

then says please find enclosed information as follows:

  • a signed copy of your application credit card agreement
  • a copy of your barclaycard conditions regulated by the consumer credit act 1974.
  • the current outstanding balance on your account as of today's date is £****.**

the info enclosed completes our obligation to supply information and copy documents under the consumer credit act, i trust that this is suitable for your purpose, however please do not hesitate to contact me should you require any further assistance."

the balance they quote is also £360 less than on the letter i received from alliance one, which is dated 3 weeks prior to the letter from barclays!!!!

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my oh has taken a couple of phone calls from alliance one in the last couple of days. first they said i hadn't replied to any of their attempts to contact me. then yesterday they said i hadn't responded to their letter dated 13/07/07. i have & i know they signed for my cca request on the 25/07/07, should i tell them i've responded or just wait & see what they do?

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my oh has taken a couple of phone calls from alliance one in the last couple of days. first they said i hadn't replied to any of their attempts to contact me. then yesterday they said i hadn't responded to their letter dated 13/07/07. i have & i know they signed for my cca request on the 25/07/07, should i tell them i've responded or just wait & see what they do?

 

 

Hi,

 

 

You have made a legal request! They have received it and signed for it!

 

Sit back and let them hang themselves!

 

 

Best wishes, Jeff.

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  • 2 weeks later...

they are still phoning & have left messages on the answer phone saying there is a problem with my account without actually saying where they are from!!!

are they allowed to do this?

is there a template i can send them to stop phoning, so i have everything in writing?

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  • Haha 1

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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  • 2 weeks later...

Ask for a copy of their complaints procedure.

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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  • 1 month later...

received another copy of the application form (see #32) today with a letter from barmycard saying please find enclosed a copy of the original application form as requested.

anyone any advice on what i should do now??

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Have you sent them an official complaint re phoning you?

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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First thing is not to panic. The longer they don't supply you with the correct

document [ie the executed agreement] the better it is for you. Since it

increases the likelihood that they cannot supply it and thus renders the debt unenforceable, and it also the increases the seriousness of their breach of the Act. Just sit back and relax-they know the application form won't do-they are just hoping that you don't know.

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