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Found 8 results

  1. Hi I have 2 debts that were started in approx 2006 one barclaycard PRA group sold to these in 2015 one abbey loan now with Cabot. both been in a dmp since 2010 and I've been paying monthly to a company. I've stopped that now and I pay direct. But what I was wondering is do I send a CCA to the company which have aquired these debts. One is PRA group sold to these in 2015 and the loan is now with Cabot. Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey
  2. Hi This is my first post but I have been an interested reader of the forum for a couple of years. Any help I receive would be greatly appreciated. I have defaulted on my car finance with money barn. I haven't paid a third yet but my circumstances have recently improved so I would be able to pay the arrears monthly along with the standard repayment. Moneybarn are not interested though so I was hoping to avoid the time order fee by waiting for me to be taken to court and asking for a suspension of the repossession order. Would this be a good tactic or is it illegal to hide the car and wait for the court date? I have gave up speaking to moneybarn as each person there is as rude as the previous. Many thanks for reading and I hope someone can advise me.
  3. Hi there everyone on CAG. I've read lots of threats on here, which have been full of very useful and invaluable advice, but I couldn't find anything very specific to my query. I'm hoping my thread will help people in the future with the same question. I'll quickly describe my situation. It goes like this: Basically, it's exactly what I've been charged with. I was on the London Underground, I didn't have a valid ticket, I got caught by a ticket inspector as I tried to exit the station who then asked for my details. I am not going to cry and whinge about my financial circumstances and any personal drama that led me to not having a proper ticket because; I deserved the outcome. It's all my fault and I deserved it. I didn't have a ticket, I used the trains unlawfully, I got caught by an inspector, I got sent a Court Summons, I returned it with a Guilty Plea, I got a hefty fine, I paid it all off in one go and the case is now officially closed and I've learnt a lesson to remember. What I would like to know is about is the charge I have been convicted of. I was only charged by TFL/the courts with this charge: 1: Byelaw 17(1) - No person shall enter a compulsory ticket area unless he has with him a valid ticket. On my 'Notice of fine and collection order' it is worded slightly differently, like so: 1/ Enter a compulsory ticket area on the Transport for London regional network without a valid ticket I am quite confused on the implications of this. My general understanding from what I have read is that, on the grand list of fines and charges that Rail Networks can hit you with, this one is quite 'minor'. There is generally no defence against it in court because it's a black and white issue. Either you had the correct ticket for the train stop you were getting off at, or you didn't. I have been told it is a 'Strict Liability Offence'. I have also read that Byelaw 17(1) is a 'non-recordable' offence and Byelaw's don't show up on Criminal records, except on enhanced Criminal Record Background (CRB) check's. My questions, which, again, I hope can also help other people, are as follows: 1: What is a 'non-recordable' offence? Does it show up on Criminal Record Background check's? 2: Again, from what I have read numerous times on different forums/articles I have seen that Byelaw offences 'may' show up on an Enhanced Criminal Record Background check. What decides whether or not it 'may' show up? Does it depend on what type of Byelaw offence it is? 3: Are TFL Byelaws any different to Railway Byelaw's offences? 4: What makes Byelaw offences different from, say, the Regulation of Railway offences? Is there a difference in the level of seriousness of the charges and conviction implications between the two? Finally, 5: Certain countries I want to travel to in the future require a visa and also a Criminal Record Background check (Australia, Canada, USA etc...). For this, I will need to provide a 'Subject Access Report' from the Police which shows all the information held about me on the Police National Computer (PNC). Will my Byelaw17(1) offence be held on the PNC? Thanks for any help and advice!
  4. Hi, I have searched the forums for a couple of hours trying to get my head around the next step to take in reference to my letter titled: "Notice of Allocation to the Small Claims Track (Hearing)". Copy of letter [ATTACH=CONFIG]59738[/ATTACH] The case is regarding a landlord who took close to 2,000GBP without a signed contract in place and refused to refund my money. I never received the room or anything in return. Question I have (Sorry if they seem obvious, I haven't been to court before and I have searched for a while trying to find the answers) 1) Is this called a "Court Bundle"? 2) Do I send EVERYTHING to Edmonton Court AND my landlord who is the defendant? (I actually send all my evidence to the defendant? Witness statements and everything?) 3) What is typically included in this scenario (Court bundle?)? Are there any templates online for any of these documents? 4) I have incurred extra fees leading up to the hearing, how do I add this to the amount of attempting to claim? Is it possible? I have so far... - I have two witness statements (They are kinda just letters stating what happened; signed by the witness, nothing special) - A copy of my bank statement and an event log (The event log is what happened in my own words with times and dates) - The original contract (It has been signed by me, but not my wife, who was the TO-BE dual tenant). This contract never changed hands back to the landlord. Should I bring it? - I opened an original MCOL claim after the landlord provided me with false information regarding his name and address. I was told I couldn't proceed and had to open a new MCOL with his correct information. I spent £80 on doing this and wasted a lot of time. Should I include this? - I also found a lot of information online regarding the landlord, very bad posts on forums of very questionable nature (Like ripping off the UK government and terrorism). Is it worth including anything like this? or just leave it alone? Sorry if this seems obvious to the training eye, but I hope the comments also help others in my situation. Thank you
  5. HI, Broke down and the RAC recommended a garage to me. Car was towed there and it was an electrical problem with the dash. They said they would send it to external repair service and would confirm price. They called me back and told me they couldn't find anyone which I thought was odd. I looked online as I didn't want to have my broken down car back and have to tow it from my house to somewhere else and found there were many companies that would repair the dash 99% success or no charge good reviews etc. Rang back garage and so they said they would send it but they had to do extra work to install it when it came back. Rang dash repair service and they said no work was needed just plug in and play after their repair. So the garage dropped the charge and sent it away. It was repaired successfully and so fitted back to the car. I had a charge of 2.5 hours fault finding that was agreed by garage before this went ahead. When I got the bill there was a charge of £30 extra fault finding that was already confirmed in the 2.5 hours and a charge for a new car battery. I told them my battery in the car was fairly new and under warranty so could I have it back as they had charged me £90. Also when I came to collect the car I brought my old battery before the one that was in the car which was also good as I replaced it initially thinking the dash fault (which started before the breakdown) was because of battery. I was told if I put my battery back in it would invalidate the warranty on all repairs. I asked for my old battery back as it was under warranty and they told me it was in a big pile in the garage and would be hard to find. When I insisted the mechanic sent with me to get it told me it would be on the top of a small pile but had now gone missing. 6 calls and two emails to the garage owner and no reposes back, I am going to complain to the RAC which I told the garage I would do if they don't return my calls or emails by the end of the week. Should I go straight to small claims next? Thanks for your help! Sam
  6. My husband told me last week that he had been made redundant from his job of 6 years. I completed an online application for JSA yesterday and today he confessed that he had actually been dismissed for gross misconduct for continual poor performance and bring the company into disrepute. He is frantically looking for employment... anything he can get. Most advice websites I visit state that he will probably get his benefits sanctioned for potentially up to 26 weeks. We have no income other than my carers allowance (we have a severely disabled child, who needs constant care) and tax credits. We have a mortgage and insurance but will not be able to claim since he got dismissed. We are in a very difficult situation and I'm worried sick. I appreciate he deserves to be sanctioned but it's me and our two children that will suffer too. The CAB websites suggest that as a carer I may be able to claim Income Support rather than my husband claiming JSA. Does anyone know if this is correct. Thanks in advance...
  7. Hi Caggers The misses has just phoned me to say that we had post and one was from SIGMA DEBT COLLECTORS, Now i'll start saying that debt collector do not worry me in the least, but heres my problem... I was with the energy supplier scottish power, then we changed a few years later to a different company. A couple of months ago scottish power sent me a letter saying that I owe £79.00 for unpaid bill. I called them and stated, how do I owe it when I'm on a pre payment meter. His reply was, when you changed supplier did you give us the meter reading? I said no, because no body asked for it, I wasnt to know thats what I had to do and I wasnt told? My credit ran out on my phone before I could finish the conversation. Now I have a letter of Sigma, but where do I stand, like I said nobody asked me for a meter reading also I wouldnt even know how to get it up on the meter. Advice please Thanks
  8. I took out £200 with TFT end of October I think and deffered it a few times then it was due end of December and I contacted them 2 weeks and a week before saying I was struggling due to other bills and my work hours going to 10 hours a week which meant I was only getting £50 or something a week.. They weren't interested now it's been passed on to MHB and NDR, getting the same threats as everyone else and apparently now owe nearly £700.. I sent a letter but don't think they got it.. I spoke to them once on the phone and were not helpful and said to pay £400 and I only want to pay £272 (what I owe) thing is I could probably only afford to pay £10 a month at the minute then maybe more once I get a better job.. they won't come to this agreement though so what do I do? They are threatening me saying probably things you already know about coming to my house and work (where I don't work any more) and threats with a CCJ. Do I just do nothing now and wait or what shall I do because they won't listen to me. I'm also having a pretty much similar issue with MiniCredit, I took out £100 and now owe £380 apparently when it should be no more than £200, I don't know what the legitimate charges would be.. I know it was £130 I originally owed and told them a week before I could not pay all and they said I could only pay monthly/weekly if it totaled to £400, Obviously I said no, I'm not paying and extra £250 just for a repayment plan.. I'm 21, depressed, only get about £40-£50 a week. Have to get food shopping, I also pay money towards gas, electric and water to my mum about £10 a month, Then I am also still paying off QuickQuid and Wonga a little bit each week so I can't break that. Please help me on my next steps!
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