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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 - 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 in Westminster - 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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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Let's hope that the Shareholders can do this as it seems that RBS, which is so typical of the fat cat banks, are trying to get away with it.

 

If all of Welscum's debtors were to quit paying for one month or maybe two, then this would finally hammer down the nail in the WF coffin.

 

If I am a day late with my monthly payment, I get a call from these sharks.

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RBS.... What a load of sharks they are as well it seems being bailed out with our tax money... Ironic that our money may have been used to keep the thieves going. I for one will never pay them any money ever again and hope to get some of my hard earned stolen money back !!!!

2010 Welcome go DOWN !!!!

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erm... i am desperately in need of extra cash. and was about to take out a loan for maybe £2000. the settlement figure, after a 1/4 is something like £1795 and repayments would be £105 a month for 3 years. Now... i can afford this.

 

are they ok to deal with if repayments are kept up to date? or should i still steer clear?

 

 

Please dont that's how much my loan was for and the same repayment. I've now been told I owe a further £1400 to clear everything when I have already paid £3500. I was stupid to take out this loan, I just needed the money at the time. It's as good as taking money off a loan shark if you go with them. I wish the government would intervene. No one should take a loan with them. Instead call your Citizens Advice Bereau about your money problems. Please don't take a loan with them.

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Let's hope that the Shareholders can do this as it seems that RBS, which is so typical of the fat cat banks, are trying to get away with it.

 

If all of Welscum's debtors were to quit paying for one month or maybe two, then this would finally hammer down the nail in the WF coffin.

 

If I am a day late with my monthly payment, I get a call from these sharks.

 

This is a fantastic idea - if only there were some realistic way to implement it.

 

I was forced to take a secured loan with these rogues in Jan 08, Im paying just under £250 per month on £11k and just received my annual statment which shows only £10 of the £250 actually goes toward reducing my capital argggggggg!!!!:-x

 

I vow to do anything in my power to help bring these people to their knee's!

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As usual post excellent stuff Thank You.

 

I asked the Area Damager why a Secured Loan is recorded has a Mortgage with Credit Reference Agencies. He said "Because it is a Mortgage". No it is not I signed an agreement for a Secured Loan with a Second Charge on my property.

 

If it was a Mortgage where was the Survey, Land Searches and Independent Witness signatures.

 

He tried then to tell us that it is the CRA`s who record this information. Only if that is what you tell them to record, You Eff... KNOB.( got to be careful of Cagbot) I was off on one then. A few deep breaths and I am back in control. Or may be I should start drinking heavily. LMAO.

 

Cheers, MARK

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Well Fsa Ond Fos

 

Seems I Have Some More Letter Writing

 

Ill Keep You Updated

 

Hi Post - dont mean to hijack thread - my arguements with welcom still ongoing. - I also have a problem with a DCA called DLC collecting on behalf of a firm called Hillesden Securities. This debt relates to the yes car firm where i refused to pay the enforced PPI that was added. Where is the best place to start a new thread on this?

 

Happy New Year to you.. and all other Caggers.

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True, true, true. Not read lots of this thread but has the CCA been dealt with yet dadofholly?

 

As for PPI you are well within your rights to withhold but you'd need to show on one of a few angles possible thast you were unbaware of it being added at the time of any agreement being made. It's not very difficult to do but still an important hurdle to justify your actions today :)

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Please Tell Me If Im Wrong But If I Have Read It Right They Still Cannot Enforce It Without The True Cca

Regards

 

Thats correct edwi69 they cant enforce it - but they can still register it - it appears what the judge is saying is - the loan is still owed - but cant be enforced through a court.

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