YES. That was my point... I know how it works and you have to declare SORN EVERY YEAR... But the DVLA say they have no record of it, even though I know I did it. Hence I can't prove it, because I can't find a conformation letter from DVLA. I think it's too late to cancel cheque now anyway... So that's ANOTHER £80 ICF have got from someone... WHAT A [problem]!!!

Can anyone help me with my dealings with INTER CREDIT FINANCE then?? back in early October, i received a letter out of the blue from INTER CREDIT FINANCE saying that i owed £80.00 for outstanding to DVLA for not declaring my Diahatsu Van SORN. My vans timing belt went about 3 years ago, and had been sat on my driveway (off road) since then. As soon as the tax ran out, i declared it SORN 2009/10. I sold my van to a scrap dealer in MAY 2012. Filled in the relevant docs. and sent my slip to DVLA, no idea what scrap dealer did with his bit of the log book?? Anyway, this letter from IFC arrived out of the blue in OCTOBER 2012, saying that i owed £80.00 to DVLA. So i ring the DVLA to find out what it is all about? and i am informed that i didnt declare my van SORN in 2010/11 !! Now i know i did- but how do i PROVE it? as the DVLA say that they have no record of SORN for that year!! I ve been rung on numerous occasions by ICF (nearly DAILY last week- but i have answered to them, they have left messages on my answer phone to ring them) then on Friday - i got a letter saying that quote - "We note from our records that your agreed payment has not been forthcoming" (WHAT AGREEMENT I DIDNT AGREE TO ANYTHING?? and quote " In view of your failure to honour this commitment, we are not longer prepared to accept your inability to pay and have no alternative but to commence legal proceedings " Now i panicked on FRIDAY and sent a cheque to them 1st CLASS recorded, which, arrived with them MONDAY at 0800. NOW SHOULD I TRY AND CANCEL MY CHEQUE WITH THE BANK? DO I HAVE A CASE? are this ICF acting illegally? IS IT SOME CAN OF [problem]- im reading this thread, and thinking i ve been DONE?? WILL THEY TAKE ME TO COURT, SEND BAILIFFS etc?? PLEASE CAN SOMEONE HELP ME URGENTLY - or ADVISE PLEASE?? many thanks, JP

Thanks, unfortunately i wrote the letter by hand, and i cant remember what i put in the original?? lol I ll re write another and send it recorded. To be honest i threw everything away because it was so long since id heard anything from the letter i sent, i thought it was over and done with! oops!! So if i get this letter which Scotcall are promising i ll be getting in the next few days, do i ignore that? or do i write to them too?? (i dont want debt collectors turning up at my door upsetting or threatening my family!) best, jp

Hi following on from this, i sent the letter and i heard NOTHING!! - no conformation or nothing they received it!?! Now out of the blue i ve just had a phone call from Scotbank or Scotcall (i think they are debt collectors??) asking me to confirm my name and address and date of birth, which i would nt - im not giving a complete stranger even my barest of details over the phone!! I asked him what it was about? i told them i dont bank with Scotbank and infact i ve never even heard of you? then he went on about have you ever had insurance with Kwik Fit Insurance, but he would nt discuss the matter further cos i would nt confirm any details... So have they now handed the matter to this Scotbank ?? are they debt collectors?? He said i would be getting a letter within a few days... IS THERE ANYTHING I CAN DO ABOUT THIS?? HOW LONG BEFORE THIS DEBT - which i dont even have!! (SEE DETAILS ABOVE) is invalid?? CAN ANYONE ADVISE ME PLEASE?? Best, John Paul

Thank you VERY much for that mate, i will take your advice and do that, and i will let you know how i get on. just point me in the right direction FOS stands for what? and the FSA? (sorry if im being a bit thick?) LOL!! thanks again, JP.

I ve just had the same thing come through the post this morning!! a letter from EXPRESS INSURANCE, saying that they cancelled my scooter insurance on 05/08/2011 and following the cancellation there was an outstanding balance of of £95.20 due from me!! and they apologise for not telling me earlier!! (what after a YEAR nearly!!??) Now i knew there was a cancellation fee at the time, and i KNOW I PAID IT OVER THE PHONE TO THEM WITH MY CARD. - So whats this about after a year?? Ive rung the number it tells you to ring 0800 519 6261 and you get an automated service asking you to press 1, 2 or 3 depending on your needs? well i tried pressing ALL options and NOTHING happens!! - it just keeps repeating the same options, then eventually it hangs you up! PLEASE CAN SOMEONE GIVE ME SOME ADVICE? Many thanks, John Paul.