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    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
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    • Ye thats fine. They should come back before the date of your defence BUT   IN ANY CASE YOU MUST FILE YOUR DEFENCE. DO NOT AWAIT THE PAPERWORK PAST YOUR FILING DATE.
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old midland bank access credit card - removing additional card holder


brokenhome
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How horrible can some women be!

I had a similar with an ex.

 

She had a credit card on my account.

When we split up the card company wouldn't cancel it.

They said i had to cut it up and return it to them.

 

One day she called at my house and left the card

- so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived".

 

My ex made one call, said the dog had eaten the card and they immediately sent her a new card.

Naturally they refused to do anything for me.

Ditto the police.

 

I was told by a [removed] that my only option would be to declare myself bankrupt.

Moral of the story?

Be a woman.

Edited by dx100uk
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How horrible can some women be!

I had a similar with an ex.

 

She had a credit card on my account.

When we split up the card company wouldn't cancel it.

They said i had to cut it up and return it to them.

 

One day she called at my house and left the card

- so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived".

 

My ex made one call, said the dog had eaten the card and they immediately sent her a new card.

Naturally they refused to do anything for me.

Ditto the police.

 

I was told by a [removed] that my only option would be to declare myself bankrupt.

Moral of the story?

Be a woman.

 

What do you mean by 'on your account'

If you mean drawing by dd against a bank account in your name only, then you should have simply cancelled the dd

 

If she was an additional card holder on a credit card you had, then you were legally entitled to remove her from the agreement....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What do you mean by 'on your account'

If she was an additional card holder on a credit card you had, then you were legally entitled to remove her from the agreement....

The card issuer, Access, said not. Or at least not until i had returned her card to them.

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Then they were wrong

Own thread created

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Then they were wrong

Own thread created

 

Tar re thread.

 

Wrong or not, they refused to close the account.

They refused to cancel her card.

They refused to help me in any way whatsoever.

 

As i said, i even asked a solicitor and she told me i would need to declare myself as bankrupt before they would cancel the card.

 

p.s. it was an Access card NOT AmEx Access "Your Flexible Friend" - certainly to my ex!

Edited by dx100uk
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Access was brand run by numerous banks

Who was your issues by??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok ta ill moved this and retitle

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok done

You were the primary card/account holder

Under the consumer credit act you can removed additional card holders at anytime

But if the card had a debt no you cant wholly close it without settling the balance

Oh well

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Access was simply a card brand - so you never actually did business with Access. You were doing business with a bank that supplied credit cards with the Access brand on them.You were actually in a credit agreement with an issuing bank, and not MasterCard.

 

IE Midland Bank...so I doubt today's legislation wouldn't apply to the card from 1972 to 1996.

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