Acquired vehicle on 20/6/2023, DVLA stated according to their records on 12/8/2023 vehicle not taxed. On receipt of the DVLA letter on 16/8/2023 I applied for the tax, which as it is an electric vehicle there was no tax due. DVLA confirmed that the tax would be effective from 1/8/2023. So the time “without tax” I compute to be 42 days.

Just seen your response dx, I think you maybe correct, I will wait and see!

Thanks for the link Nicky Boy. I have checked there and can see that the 4th section could be applicable, as the date they identified as the date that the vehicle was not taxed the vehicle was not on the public road, so not seen on a camera! Additionally, their OCS does not include their “plus 1+ 1/2 outstanding vehicle tax” as is stated in the 4th section. However they do also state that not to pay is a criminal offence and the case MAY be pursued through the magistrates court. Considering all of the above, I am thinking to pay their unreasonable £30 and pursue them for a refund? Thanks for your input. t

I have received a Untaxed Vehicle Out of Court settlement demand for £30 from the DVLA in respect of an all electric vehicle, on which no vehicle tax is applicable! Are they legally entitled to demand this £30? On investigation, even though no tax is due it is apparent that an application for tax has to be made, no mention of this is on the vehicle’s V5C document! I have now applied and received confirmation that the “tax” was recorded as retrospectively starting on 1st August, which now covers the date that DVLA say that their records show it was not taxed!

Thanks for the assurance. t

UPDATE I took BT Business to the Ombudsman over this issue. Ombudsman found in my favour, awarded compensation and told BT to apologise and change account name as requested. Turns out this issue is covered by their terms and conditions, which they did not comply with! t

Thanks dx ignored now! t

I have had 2 soft searches showing on my Equifax file today. I appreciate that, evidently, soft searches do not affect results of searches carried out by “serious” searches perhaps instigated by banks or other institutions. However, the soft searches are marked as instigated by Capital One (Europe) PLC and the other one by Zopa Card with Experian. I have not applied to anyone for any credit or insurances. Should I be concerned about these searches or just forget about them? Thanks for reading. t

Thank You dx

OK, thanks dx, the debt was passed around to Weightmans, Phoenix, Marlin and then I was getting chaser letters from Mortimer Clarke. The solicitor who handled the sale of my house paid Mortimer Clarke as far as I know. I think my solicitor contacted them initially ( I gave the solicitor their details as they had been chasing me) They quoted a larger sum than that was owed, and my solicitor told me that, in the interests of getting the sale through, to pay first and I told him I would pursue after sale to recoup the overpayment. It was paid I think by bank transfer to Mortimer Clark by my solicitor.

Thanks for you comment dx, I realise from previous posts that I was conned, but rightly or wrongly, following incorrect advice from a local solicitor at the time, my wife signed a document to agree to the charge on the property and the charge was placed after a court hearing and is still, as stated on my last post on here, and almost 3 months since the sum was paid on the Land Registry Title register. I am concerned that, if not removed, it might have a detrimental effect. The precise wording on the Title deeds is: Entry Date 2007-06-15 Charge dated 19 April 2007 in favour of HFC Bank Limited. Do I chase my solicitor who paid the inflated debt, or HFC, whose name the charge is on the register, or Mortimed Clarke who was the solicitor representing HFC? t

I sold my house and completed on 16th January 2023. The holder of the main mortgage was paid off in full on that day, and their entry on the title deeds of the property were removed the very next day, I received written confirmation from both the bank and the Land Registry. Also paid off on the 16th January was a debt to HFC bank, which was being administered by Mortimer Clarke. I was "conned" into agreeing the charge on the property years ago, albeit it was my credit card debt and the property was in joint names at the time. There was an old thread about this Marbles card debt on here a few years ago. I have checked with the Land Registry today and found that, despite the HFC debt having been paid, the charge has still not been removed, almost 3 months after the payment. What is the best way foward with this matter please? Thanks t

Thanks for the explanation Andy, there are no such arrangements showing on my credit files.

Thanks for that dx. Does it matter that I may have requested a CCA many years ago, and perhaps received one/some back then? Apologies, but please clarify “ an OC does not have a client DCA” I don’t understand, sorry! Thanks Andy, but please explain “AP” ?

Hello again dx Amex have not stated AIC or anyone as client they just sent a “Notice of Referral to External Collections Agency” and within the text of the notice “This account has been passed to a specialist agency who will contact you (sic)……” No one other than AIC has contacted me about these accounts. Two notices were sent, one for the charge card and one for the credit card. Both had balances indicated there in. Before the notices received in 12/2021 I had correspondence from AIC about the both accounts, and after the notices I received 1 letter about the credit card from AIC, nothing about the charge card. So I am assuming that I write change of address to Amex? No statements from Amex, Wescot/Cabot, and Link/CCJ. Only statements from NatWest Visa - monthly, and Barclays - card and loan, 1/2 yearly. All accounts opened pre 1990 at least, Amex in 1977!

None of the debts are showing on my credit file, they have not shown for years. I have always paid to original creditors, never to others, so even though Amex writes “ accounts have been passed to a specialist agency who will contact you (sic) shortly regarding the options available……… to address the outstanding balances” (This was sent in 12/2021) I should stop paying and write to Amex not AIC, who have only written to me about the credit card not the charge card since then, although they were writing to me about both accounts before the 12/2021 letter from Amex Interestingly both the NatWest credit cards, even when they were current and being used, never were included on any of my credit files, not even when they were defaulted! The Cabot bought account is being paid directly to the OC NatWest.

Thanks Andy. Forgive my naivety, not sure if debts have been assigned or not. I am paying the original creditors, with the exception of Link with the CCJ. I get statements from most of the original creditors, with the exception of the Amex charge card (sorry not debit as previously stated)and Amex credit card. I have had recent correspondence from Amex stating that they have “Referred to External Collections Agency”. I get offers to repay from AIC for both the Amex charge and debit cards. I am paying Amex not AIC, AIC letters reflect my payments to Amex. I had 2 credit cards from NatWest, a Mastercard. (originally ACCESS when taken out!) and Visa. I pay NatWest for both, but only the Mastercard is being chased by a DCA, I get monthly statements from NatWest for the visa, but not the Mastercard. The remaining loan and credit card are both Barclays products, and they send regular statements for both, which reflect the payments. do I send change of Address to Barclays, AIC and NatWest, and Westcot who are”working on behalf of Cabot Financial Europe Ltd - RBS” for the NatWest Mastercard account and not Amex, even though I have been paying them? Thanks

Another question please? Do I send change of address to the original creditors, to whom I have been paying, or the DCA’s who chase? Thanks

Thanks for your input DX. The debit card was an Amex not attached to anything. I will follow your advice and stop, and advise all of change of address, I have a PO Box number at the moment for surface mail, as I have yet to move into new accommodation. So I will provide the Box number to all parties, including Link with the CCJ. Am I correct that I have to advise the court of this change too? Thanks again t

Hello Fellow Caggers I got into debt in 2008 and with help from the CAB created a plan to repay the many creditors so much a month. I have had a few threads on here over the years, about some particular creditors, which helped me too. I had one CCJ which resulted in a small monthly payment which I am still paying. I also had a charge put on my property by another creditor, which has now been paid and the Land Registry charge lifted. Currently apart from the CCJ payoff, I am left with paying 4 credit cards, 1 debit card and 1 loan all of which I have been paying the historic nominal sum monthly. The CCJ was obtained by Link, who regularly send requests to increase the monthly payments which were agreed by the court! The debit card and 2 of the credit cards have been “sold off” to DCA’s, the loan and the remaining 2 credit cards payments are still being made to the original issuers. I receive regular statements from these issuers, but not from the debit card issuer and the sold off credit cards. I am moving from the address that all the creditors currently have. I still cannot afford to repay all creditors in full. My question is: If I advise all creditors of a change of address, do you think they will now chase for full payment? Should I only advise the original creditors and not the DCA’s? Should I advise Link of the change! Should I stop paying some or all (except the CCJ)? Would any changes show up on my credit files? None do at the moment. Thoughts and advice would be welcome. Thank for reading! t

Thanks for your comments Homer67. I note and appreciate what you say. But what I am asking BT for will not require a disconnection, so I don't see that a cost to me of a whole years "normal" telephone bill from BT of around £300 is fair and reasonable in the circustances. The new tenants of the property and business have said that they intend to use the line as I have done, they do have 2 other lines from other providers (see my original post on this thread) to make calls on that have each been transfered from the relevant providers without any "penalties" incurred! I am awaiting further comments from BT. Thanks t

Ah, minimum contract is not up! Neither was it up for TalkTalk Business nor EE (which I understand is owned by BT?) Will have to come to some arrangement with new owner then, as If I keep paying BT until contract ends, no charges for cease charge!? Thank for your help.

LIne and Services not changing, new owner wants identical services, business line, no new connection, just change of name and source of payment!

I have recently sold my property to new owners. I had 3 separate lines and providers for phone and broadband: BT Business, TalkTalk Business and EE. The new owners want to retain all the services and keep the same numbers. Both TalkTalk Business and EE have undertaken the changes and have billed me upto the date of transfer, and the new owner has the identical services as before. No “penalty” charges were mentioned or charged. However BT Business has been a nightmare to deal with. Simply put, my existing BT line is a business line, but the name on their account is my name, not a business name. We (the new owners and me) want the existing services to remain, but the payment of the account will now be from the new owners at the same address as the services, so merely a a payment change on the account. BT Business want to levy an “end of contract” charge of approximately £300 do to this. As previously stated neither of the other 2 providers have charged! I have complained to BT Business about this, and am awaiting a response from their complaints team. Any assistance or advice from fellow Caggers would be welcome. Thanks for reading t

Hello DX Any views and/or comments on post 58 please? Thanks t