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    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
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Advice on Income and Expenditure forms


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Forgot to mention, this Lloyds account was a long time ago, at least 8 years, does that make any difference, how long do they hold bank statements of old customers? I know there will be a lot of penalty charges on the account, which is partly why I got into trouble with it.

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Forgot to mention, this Lloyds account was a long time ago, at least 8 years, does that make any difference, how long do they hold bank statements of old customers? I know there will be a lot of penalty charges on the account, which is partly why I got into trouble with it.

 

Adjust the S.A.R. letter to ask for all the statements they have regardless of how far it goes back. The letter just asks for 6 years doesn't it? If they have it they have to give you it.

What sort of world do you want your kids to grow up in?

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Forgot to mention, this Lloyds account was a long time ago, at least 8 years, does that make any difference, how long do they hold bank statements of old customers? I know there will be a lot of penalty charges on the account, which is partly why I got into trouble with it.

 

Have you been paying the account for the last 6 years / admitted the debt in writing?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Just another thought, having many today!

 

Sending an SAR to the bank to find out the charges that were added to the account with a view to reducing the debt by deducting the charges, isn't there a time limit of 6 years on this, considering 8 years has passed since account was defaulted, what are my chances of being able to do this as it's outside the time limits or am I wrong?

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Keep this thread open for everything to do with the D.C.A. and start a separate thread (link below) for your charges. You will get valuable help from people specifically experienced in dealing with Lloyds.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

 

I thought you could claim back further than 6 years, but am not certain.

What sort of world do you want your kids to grow up in?

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I tell them what you can afford and would send them that amount as well, It's harder for them to dispute your payment proposal if you're paying it and they're receiving it. Never let them talk you into setting up a direct debit or paying by credit card as this leaves them in control of the amount. A standing order, bank giro slip or postal order are best. Good luck.

 

I worry about this CCA and overdrafts business. It means there's no proof of right to collect at all. Banks can print a list of terms and conditions in anyone's name.

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Hi slm1234uk :)

 

Regarding your question on what you can and can't put on I&E forms, we saw a debt counsellor a while back who told us we can list everything, including such things as prescriptions and newspapers. I also never use the forms these DCAs send to me, make your own list up if you really want to send one.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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I worry about this CCA and overdrafts business. It means there's no proof of right to collect at all. Banks can print a list of terms and conditions in anyone's name.

 

That's not entirely true, they would need to be able to show that you had spent the money, and that you owe what they say you owe.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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That's not entirely true, they would need to be able to show that you had spent the money, and that you owe what they say you owe.

 

So would I be right in thinking if the Bank can't produce copy statements relating to this overdraft they can't prove I owe the money?!

 

I have had other opinions that because it is over 6 years if I SAR the bank they will write back saying they don't have them anymore anyway.

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Would anyone be able to let me have a sample I&E form they use to send to DCAs please.

 

Now I have a better understanding of what you are able to list, which I had obviously not accounted for in my recent one, I will just send one straight to Wescot. Although Wescot told me to go to CAB and told me they wanted the CAB to contact them? Do I have to do it this way or can I just deal with it now.

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So would I be right in thinking if the Bank can't produce copy statements relating to this overdraft they can't prove I owe the money?!

 

I have had other opinions that because it is over 6 years if I S.A.R - (Subject Access Request) the bank they will write back saying they don't have them anymore anyway.

 

If they didn't have the info anymore, how could they show what you actually owed?

 

"Hi, Judge... He owes £2,500"

"Ok... show me some proof"

"Um... well, my face is honest"

"Next case".

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Would anyone be able to let me have a sample I&E form they use to send to DCAs please.

 

Now I have a better understanding of what you are able to list, which I had obviously not accounted for in my recent one, I will just send one straight to Wescot. Although Wescot told me to go to CAB and told me they wanted the CAB to contact them? Do I have to do it this way or can I just deal with it now.

 

 

You don't need an I and E form Slim. Forget the I and E form. Just send them my 'magnus opus' letter. That's all you need to do.

What sort of world do you want your kids to grow up in?

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I think it maybe wise to submit a revised I&E form, as they are stating from the last one I sent I can afford to pay them what they are now asking, although not sure how they got to this figure. They stated I am paying other creditors more than them when I owe them the most.

 

So think I need to do a bit of 'jiggling' with the figures and also include what I didn't budget for to back up my offer of continuing to pay them £10.

 

What would be a reasonable monthly amount to budget for car tax, MOT, repairs etc, and also contingencies for replacement household items, dentist, medical etc. I have come up with an amount but not sure if it would be viewed as reasonable. Any views appreciated!

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How long is a piece of string? D.C.A.'s talk out of their bottoms. You don't need to send the I and E form. If you are adamant that that is what you're going to do though, then just fix it to your satisfaction. It would be very hard for anyone to help you here with specific amounts if they haven't seen the original sheet and the one you are now composing themselves. It just isn't really feasible. I think you're just wasting your time worrying about it, but I do understand.

What sort of world do you want your kids to grow up in?

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Always worth contacting either the National debt Line, or CAB to see if your figures "add up" and correspond to the national averages.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I agree with Tomterm - if you are intent on submitting an I & E form it would be best to do it with the help of the CAB, you'll then have someone else "on your side" so to speak.

 

Kind Regards

 

Ell-enn

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