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  1. Hi all first post, as I'm new to all this any help/advice would be appreciated. I received a letter on Saturday 26th May from Nolans solicitors..... Debt is under 2k.. Excerpt from letter.. NOTICE OF INTENTION TO ISSUE A SHERIFF COURT SUMMONS Our Client:- CABOT FINANCIAL UK LIMITED TAKE NOTICE that unless you make payment of this debt IMMEDIATELY application may be made to the courts to issue a SHERIFF COURT SUMMONS against you. DETAILS OF DEBT £ ****.** due in respect of TESCO PERSONAL FINANCE INFORMATION ABOUT A SHERIFF COURT CLAIM If a Claim i
  2. Hello, I'm looking for some help regarding a letter I received from Thameslink regarding intention to prosecute. Background to incident. I work in London and buy a monthly season ticket from my Home station, New Malden to London Waterloo. On 18 Sept, the company i work for had a business contingency day and i was instructed to work from our contingency site (i got a call the night before). the contingency site is in Bookham (surrey). So on the 18th Sept I traveled to Bookham by train and tapped in at New Malden to pay by contactless debit card. When I reached Bookham the
  3. Hello, all Today I received an intention to prosecute from Thamleslink railway in relation to an incident some weeks ago. To provide some background, I was having a pretty forgetful few days... I left my coat & gloves on the train, forget my suit when attending a wedding and in relation to this post, I forget to get a train ticket. For context, I was extremely sleep deprived as I recently became a father for the first time and was under a ton of pressure. At around 6am, I arrived at my train station late for my train which I was under pressure to ma
  4. Hi my son just received the above letter from Essex Police. Location was M25 Epping nr M/Post 5563b anti clockwise on a special road ( namley M25) between J23-27. at 12;42 on 4th May he was doing 62 in 50. He was driving and on his way to Luton Airport. I asked him about his speed and he said he was following the speed of other cars on the road. He also (assumed) that the M25 was a 70mph. To be honest,do many of us actually check our speed if we know we are doing less than 70.Its not an area he knows, and also i know ive probably driven up that part of M25 but cant say
  5. Hello Everyone I started getting letters from Nolans probably around 2 months ago about a Personal Loan debt that was from years ago. The debt is not on any of my credit files so it was a surprise to get a letter from a sols about it. Its a Sainsbury's Bank Loan for £16k that i took out on 9/7/09, very shortly after (around 6 months lost my job). I had been making token payments of £20 per month to originally Blair Oliver & Scott who after around 1 year, passed the debt to Cabot around Nov 2011. I continued the £20 per month till around Jan 2016 then I lost
  6. Hi All, I hope I can get some help on a situation, unfortunately I was caught speeding on the motorway the letter I received from Essex police is to identify the driver "application for the identity of the driver" i was clocked at 108mph on a 70mph - no previous, no points clean drivers license - what should i do?, fill the document in and sent over? i mean it was me driving, also it was at 5.14 am in the morning. what could i be looking at as its the first time/offence? cheers Red11
  7. Hi All, I have an action by Arrow Global ( debt purchasers from HSBC) claiming £8234.93 Date of service 5th June Date of expiry of period of notice 27th June 2017 I intend to defend the action and I have a few questions. 1. If I make a request for all the documents and information that Arrow Global are required by the CCA 1974 to hold and they do not supply it all within the required time ( is it 12 days?) could I get the action dismissed on the 27th? ( My understanding is that if I do not respond at all the case can be found against me on 27th) On the CONDESCENDENCE
  8. Priyadr11: did you pay£150? Did they ever come to your address to collect the money? The same thing happen to me yesterday. i said sorry and they made me sign in a paper and let me go. Could you tell me what can I expect? I really don't want to let anyone know about this because I live in a extended family. .I'm really broken ..couldn't eat or sleep ever sinc ..can anyone suggest me what I'm going to do ..I'm regretting very badly.. ..��I feel like my life is just going to stop now...
  9. Hi Everyone, I do hope I canget some help, I have red many posts and the work you guys do here is great. On 18th August I got stopped by a Revenue Protection Officer. I always buy a weekly Zone 1-4 travel card which is fine as I live in zone 4 sometimes when I sleep at my girlfriend’s house (who lives in zone 5) I do not beep in at that station but beep in at Finsbury Park. The ‘officer’ saw me beep in at Finsbury park and took my oyster card and I gave my details... .. and said I’ll receive a letter, he explained that they just want their money back I was surprised
  10. Good afternoon all. I received a Notice of intention to prosecute from Govia Thanes Link. The offence was exiting a barrier in an incorrect manner, although they have also included entering a train for the purpose of travelling without a ticket entitling travel. I was on my way back from london with my other half, her ticket worked fine at the barrier, mine didnt. We were rushing for our connection so I just pushed through. I did have a valid ticket which was inspected and handed back to me by the revenue protection inspector at Kings Cross. The letter is
  11. I am worried sick about a problem entirely of my own making. I arrived late at a train station and instead of buying a ticket and waiting half an hour for the next train I got on the train coming in without a ticket. I was found without a ticket and my details were taken down. Now I have an intention to prosecute letter. I am terrified of the consequences of my foolish, impatient actions. I realise prison is probably unlikely but I now know I could end up with a criminal record if I am prosecuted in court. The 'charge' stated in the letter is 'failing to
  12. HI, I have received a 'Formal Notice of an intention to file a default' from the RBS with the 28 calendar days running out TODAY! I have been in the middle east for 5 weeks and have just seen this letter. Can I ask for an extension to respond? If so, do any templates exist to help? Thanks
  13. Hi everyone I imagine, like many others, I stumbled upon this excellent forum having received this letter and diving onto Google. I’ve been reading a few posts from years past and taken on the advice there. I also entered into a thread elsewhere within the forum (I'm unable to link to it due to new member status) and use the template provided as a base for my own response, which is also contained below. THE DETAILS The letter reads: On Tuesday 14th April at 11:40 your details were taken by a Revenue Protection Inspector en route near Denmark Hill station, on board
  14. Hi, I hope you can provide me with some advice. I have just received an intention to prosecute letter from Govia Thameslink Railways. Offences listed are: giving a false name & address & entering a train without a ticket. They are asking for my side of the story. I feel really scared about this! I always travel with a Zone 2-5 travel card & use the tube & overground, not rail. When I come into Zone 1 on the tube I always have approx. £10 on extra just in case & if short, just keep topping up the £10 when it prompts me at the barriers
  15. Hello folks Im considering starting High Court Action against my former employer for failing to act on a promise made. I brought a County claim against my former employer last year and the claim was thrown out of court as it could not be heard in the County Court. The Judge said that as I had mentioned the rules of equity it could be heard in the High Court (Chancery Division) I wont go into the nitty gritty on here but wondered if there were any Legal experts around to offer help and advice please? Thanks
  16. Hello there, i received letter from prosecution department "Notice of intention to prosecute" they found two alleged offence against me 1. giving false name and address , 2. intention of travel without having a valid ticket entitling to travel, so here's my response to them Dear Sir/Madam, I accept the liability that I was travelling without an appropriate ticket. I boarded your company’s train service at Huntingdon station with the intent to travel to King’s Cross station on the 6th of January. As later I had to travel to elephant and castle station I aske
  17. Notice of intention to impose a financial penalty following an investigation into compliance by InterGen with Article 14(1) of the Electricity and Gas (Community Energy Saving Programme) Order 2009 Read More Here: https://www.ofgem.gov.uk/publications-and-updates/notice-intention-impose-financial-penalty-following-investigation-compliance-intergen-article-141-electricity-and-gas-community-energy-saving-programme-order-2009
  18. Notice of intention to impose a financial penalty following an investigation into compliance by Drax with Article 14(1) of the Electricity and Gas (Community Energy Saving Programme) Order 2009 Read More Here: https://www.ofgem.gov.uk/publications-and-updates/notice-intention-impose-financial-penalty-following-investigation-compliance-drax-article-141-electricity-and-gas-community-energy-saving-programme-order-2009
  19. Ofgem Notice of intention to impose a financial penalty following an investigation into compliance by British Gas with Article 9(1) and Article 9(1A) of the Electricity and Gas (Carbon Emissions Reduction) Order 2008 (as amended) Read More Here: https://www.ofgem.gov.uk/publications-and-updates/notice-intention-impose-financial-penalty-following-investigation-compliance-british-gas-article-91-and-article-91a-electricity-and-gas-carbon-emissions-reduction-order-2008-amended
  20. Ofgem has been investigating whether British Gas complied with its obligations under Article 14(1) of the Electricity and Gas (Community Energy Saving Programme) Order 2009. Read More Here: https://www.ofgem.gov.uk/publications-and-updates/notice-intention-impose-financial-penalty-following-investigation-compliance-british-gas-article-141-electricity-and-gas-community-energy-saving-programme-order-2009
  21. I have just received at Notice Of Intention To Prosecute from the Police for an alleged speeding offence which i know i did not commit. I saw the Camera Van from 400yds away and I ensured I maintained a speed below 30 as I approached it. The Police say the footage of me driving was from approx 30 yds away. Interestingly the words 'Recorded Speed' on the NOITP have been xxxxxxxx'd out. Does anyone know why this may be? The Police claim it was because the wording 'confused people'. I think the Police are trying to [problem] me as I gave the camera a cheeky smile as i drove past it and
  22. Hi there. Ran into difficulty paying my t-mobile bill, which has now ended. Contacted by a company called Buchanan Clark and Wells demanding payment of £155.21. I checked my t-mobile account, and am still able to pay off my balance on their website, which comes to £140.21. I emailed BCW saying if I can pay them, why should I pay a DCA? I then to be safe set up a payment agreement at BCW's website, and paid on the 14th September by bank transfer. Received however a letter today stating that they would be making a home visit as the agreement has not been honou
  23. I have a number of debts as detailed below that I have been making reduced payments against, for a little while in some cases. My age and circumstances now make it unrealistic to expect to continue doing so, and actually clearing the debts impossible. I am about to contact all and advise accordingly requesting that the balances be written off. If they aren’t I will reduce payments to a token £1 per month. At intervals I have been asked to increase payments, and I have responded that I am unable to do so and have volunteered an Income & Expenditure statement to bear this out.
  24. Hello I wonder if anyone can give me some guidance on a letter I received from First Capital Connect? I was on my way into work on the usual packed train and I was standing in the guards area at the end of the train. There were about a dozen other commuters in the same area (as there are everyday I get the train). The train was stopped at Essex Road and we were asked off the train. In the time we were waiting for our details to be recorded another 10-20 people were taken off each train as it came through the station - one train every 4 minutes at that time. I know that you should
  25. I have a problem of a relatively similair nature to ones ive seen before on ehre regarding intention to prosecute I am appealing directly to silly 11 for the letter he sent to southeastern that got him off with a 35 pound fine, or anyuone else who can help me with stuff like this (cannot pm as made no posts yet) basically i had a ticket for my train home cambridge to kings cross, but lost it sometime between 15 mins before my train went and when i reached cambridge station. Stupidlyu had a moment of amdness at cambridge and tryed to follow in behind someone- unfortunately the train tic
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