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    • Ok, thank you dx. I was struggling with that because I didn't want to state things they don't know. So if I change the line at the top of the second paragraph to say something like "My actions are inexcusable; I know that TFL are only able to operate if everyone pays their fare and I feel so guilty about attempting to breach public trust by using a freedom pass that's meant to help the most vulnerable in our society and that I had no right to use."   Do you think that's good enough? I'm really trying not to admit to multiple uses as they haven't brought it up, but I'm also not trying to suggest I've only used it once because that isn't true.   For the documents, do you think I shouldn't include them? Because on the letter I think it says something about giving evidence for my mitigating circumstances. I've also seen other threads where people don't include evidence and then TFL write them back saying they don't believe the person will lose their job/health/immigration etc. because of a conviction.    Thank you, I've taken out the ref to the inc docs at the end and the "I think". 
    • we dont usually see people inc documents.   you haven't directly mentioned use of the pass and what type, it might be better to include as that directly acknowledges that you know you did wrong. and their 'charge' against you which you should directly address.   without it your letter is a generic reply. and might not cut the mustard. also remove ref to inc docs at the end.   i'd also remove the 'i think...' A precsecution will etc etc.. 
    • andys defence did not mention counter claim anywhere.....   it said compensation - but you left the whole original para 4 in your defence?
    • Hi again guys, I've been thinking about the letter and have drafted it. I'd really appreciate it if you guys could let me know what you think. I've tried to express how remorseful I am (without saying sorry too many times that it becomes annoying), show mitigating circumstances and avoid admitting to multiple use/ use of a freedom pass because they didn't mention it in the letter.    To whom it may concern,   My TFL case number: XXXXXX   I firstly want to thank TFL for giving me the chance to explain my behaviour. I appreciate the seriousness and stupidity of what I have done and I deeply apologise for my actions. I hope to explain how a prosecution would leave myself and my baby in a very difficult situation.    My actions are inexcusable; I know that TFL are only able to operate if everyone pays their fare and I feel so guilty about attempting to breach public trust, I haven’t been able to sleep as a result. As a teacher, my job requires a high level of integrity and I have to get (enhanced) DBS checked annually. According to my terms of employment I’d be obligated to report if I’m being prosecuted and a conviction would result in me losing my job (please see document). I am currently pregnant and as the sole income earner in my house and a soon to be single mother, the loss of my job would financially devastate me and my child.    I have several long-term mental health conditions including anxiety, clinical depression and BPD (please see my attached medical record). I’ve suffered from panic attacks my whole life and whilst there is no excuse for my behaviour I’d like to explain that whilst being questioned by the Revenue Protection Officer, I suffered an acute panic attack and in a moment of panic and stupidity was dishonest with him during our conversation. My anxiety set in and out of fear I made a stupid decision to be dishonest. I’d like to sincerely apologise to the specific officer and TFL for that.    I have never been in trouble with the law in the past (please see my most recent DBS) and I ensure that I won’t be in the future. I have already bought a season pass for the London Underground (please see document ) which I have been using/will continue to use and I swear that I will never do this again. Ever since the incident (and especially since receiving the letter) my anxiety and panic disorders have been unbearable and my heart rate and blood pressure have been higher than normal as a result. I fear the heightened stress of being prosecuted, coupled with my existing mental health issues will negatively impact my health during my pregnancy.    Additionally, I am currently in the UK as an EU citizen, under the EU settlement scheme (please see document) and have recently applied for British citizenship (please see document). A criminal conviction would certainly be noted against me by the Home Office in the “good character” requirement for becoming a British citizen. Additionally, my current right to remain in the UK is dependent on me having a clean criminal record. I’m 21 years old and I’m just beginning my life; I’ve found a career that I love in primary school teaching, I'm hoping to become a British citizen and most importantly I’m going to become a mother. A criminal conviction would negatively impact every aspect of that and whilst I know that I have no one to blame but myself, I’m hoping you can show me some leniency in this matter.   I am happy to make immediate payment of all unpaid fares and any incurred costs that my actions have caused. Whilst I know what I did was wrong and I’d really like the opportunity to make amends, I think a prosecution/conviction would have an unfair and disproportionate impact on my health, my employment, my immigration status and on my child’s health/financial wellbeing. I hope that I’ve explained myself well and provided enough evidence, if you need anything further from me to help you reach your decision please let me know. Thank you again.    Yours Faithfully, My name   *The documents I'm going to send are; my employer's policy regarding criminality, the relevant parts of my medical record showing my mental illnesses, the train season ticket I've bought since then, my most recent work mandated eDBS, my immigration status and proof that I just recently applied to become a British citizen.
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12 days up for lowell


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hi all just a update lowells 12 days was up today have not heard a thing whats the next step :o thanks marjie06

Just an update to what ?


Have you an existing thread dealing with lowells ? If so you should use that to update on :) That way people trying to help you can see exactly where you are upto and what steps you have taken. It also makes it easier for yourself :)




Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)


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  • 2 weeks later...

hi all reqested a cca from lowell on the 7th february there 12days was up on the 25th still no cca just received a text message from BT to ring them asp any body received one of these texts before:mad:

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hi all can some one please point me in the right direction for the letter to send to lowell to stop them arrassing me by telephone i have had about 3 in the last hour still no cca:mad: thanks

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Hi all i wrote to capital one requested a cca on the 6th february this is what they have sent me advice would most appriciated thankyou:) i will post the documents up

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Here you go Marjie:


Your Street





Company Name



City / County




Dear Sirs

Harassment by telephone


Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)


Yours faithfully,





If you've send the CCA request and they've sent nothing then sit tight. The ball's in their court, not yours. Send the harrassment letter and forget about it until they come up with something actionable. They won't.

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If that's all you got it's a 'no' from me:D


Nat West Bus Acct £1750 reclaim - WON


LTSB Bus Acct £1650 charges w/o against o/s balance - WON


Halifax Pers Acct £1650 charges taken from benefits - WON




GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I notice on the CAP 1 letter they refer to 'the document' that they didn't need to send, (Oh really).


Are they going out of their way not to call it 'the agreement', or am I just being suspicious of their motives?



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This is wholly unenforceable


They do not even make an attempt to refer to the T and C's in the signature document (for example: "for interest rate see scetion 186.1(a)")


Though even if it did it would still be unenforceable, the case of Wilson v Hurstanger at Civil Court of Appeal held that the prescribed terms must be found in the signature document and cannot be found in a seperate document/leaflet


They are up the creek without the wooden movement type thingy


Good case here for all interest back

omnia praesumuntur legitime facta donec probetur in contrarium



Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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The non complicace letter i posted on your droyds thread would be fine.

OFT debt collection guidance


Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.


Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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As you may have learned from this forum they are quite easily dispatched, even if my third one did need TS:p

All comments are well meant but i am not legally qualified only CAG educated:D



In the slight chance i have been helpful please click the scales:)

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You can stop those texts by ringing this number 0800 587 5252.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006


Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008


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You've written to them and they have to respond in writing. :)

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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hi all a update on our freinds in leeds:lol: received this letter today, still no reply to my request for a copy of a cca i will post it up, any advice on a letter to send next please your advice would be much appriciated :) thanks

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