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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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Welcome Finance - This company needs to be banned.


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Found this on the cattles website. It is a list of their companies and there are 3 under the welcome title, they are

Welcome Financial Services Ltd 00133540

Welcome Insurance Services Ltd 02230654

Welcome Retail Services Ltd 00226015

 

Who are welcome insurance services ltd?

 

Apparantley this is a "non trading company" that last issued an annual return on 24/05/2008

 

So what does it do?

 

Yes, that made me look twice also....cannot find much else on them...yet!

 

Also found this little snippet. Tut Tut Barclays, exposing your customers to these sharks will prove not a very good PR move.

 

At the beginning of 2003, Cattles took a new step into the near-prime market with a hookup with Barclays Bank. Under the agreement, Barclays brought in Cattles to provide processing, administration, and monitoring services for Barclays' own loans to near-prime customers.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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so now this has been issued, what does it actually mean ??!!

 

A subordination agreement is a contract between the owner of the property and the lender who holds a claim, charge or mortgage on the property, whereby the charge or mortgage holder agrees to subordinate his claims on the property to the new claim, charge, mortgage etc. Such agreements by which a lender or charge holder relinquish his sole right must be acknowledged by a notary and recorded.

 

Note to reader the above does not mean that i have a clue... just that i can copy and paste :)

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Morning all, Andie will be busy today....Post going into court today, I will on edge all day!

 

Morning Brassed-off, if you can spot if there are differences that would be great, mine is an Issue 4 07/05 - 2005 version as signed in Jan 06.

 

Morning Mojo, a lie in....I remember those, I remember how good they were :).

 

Glad to see you back Stewie! Its a bit of a mindmesserupper and I think a lot of it just pays lip service but there are a few gems.

 

Lets see what today brings :p

 

Hi Dipply

 

There seem to be some differences...not sure how relevent they will be?

Will post up asap, just hovering in and out today..still up to my eyeballs in joiners/decorators/mother!! and sawdust!!! aaaaaaarrrrrrrrgggghhhhhhhhhh:eek::eek:

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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just found this...

subordination agreement

 

 

 

 

Definition

 

Formal document acknowledging that one party's claim or interest is inferior (junior) to that of the other party or parties. For example, a firm may agree to let a bank loan take precedence (seniority) over directors' or owners' loans to the firm. If such consent forms a part of a larger agreement, it is called a subordination clause.

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HA! Found the dam plug! Right, Intitial Disclosure Document that they sent out weeks after signing:

 

http://i303.photobucket.com/albums/nn122/Dipply75/WelcomeFSAInitialDisclosure.jpg

 

Demands and Needs:

 

http://i303.photobucket.com/albums/nn122/Dipply75/DemandsNNeeds.jpg

 

 

Well Folks I can say for definite that I have never seen or signed either of these documents! & Welcome don't even have forged or unsigned copies for me :eek: maybe they weren't around in 2001 or 2002 Hmmmm I might have to ask...as far as the subordination thingy, sounds like Cattles will survive, welcome will go under and its damage control. It reads (and i'm no brain on this) that they are challenging the initial 'charge' and saying there is a priority debt that overtakes the original 'charges' in other words, they want to deal with a big chunk rather than cut up the pie for all the banks and shareholders, i think in our world they call it consolidation loan! but thats just my understanding, I may very well be wrong, either way they have no choice but to throw out the old socks that have big holes and are now unwearable.

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well hopefully they will have more to think about now that mithering and hasteling us, lets hope the poor things dont hit hard times.

 

Well I certainly hope that come Monday they are signing on for JSA..!!

 

I for one am just going in Battle with them..they are so dense!!

 

My trespass letter I sent seems to have gone out of the window...need to do a follow up, the reply letter claimed they visited once, yet I had 2 letters from them!!

Its because they can't contact me by telephone !! to right they can't!!

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I don't think I am going to bother trying to contact Welcome anymore.

 

They know my financial position now so they no longer call me.

 

I will wait to see what happens and hopefully be able to deal with an organisation that is more professional and responsible.

 

 

 

No wonder I am not getting a reply from CRC Complaints in Hessle.

 

Soon there will be nobody in Welcome to contact or write to .....:lol:

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:p Thats GOOD news!! (sorry to say... but now I hope they get the grief like they have given US!!)

 

I DO hope they have PPI and insurances to cover them.....LMFAO:lol:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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