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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   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,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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Problem with Swinton.


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Hi, nice to meet you all.

I have a small problem, there is not a great deal of money involved (£55.00p_ but it is the principle and legallity of it that bothers me.

The facts are thus.

My daughter has/had car insurance with Swinton, when she first took out her policy they sent her all the forms etc, and the direct debit mandate. (she is only 19 and her car insurance is £1900.00p) Anyway, we read through the terms and conditions, decided we were happy with it, signed the agreement and sent it back. All well and good. Then about 5 months later she received a phone call from swinton asking if she would be interested in breakdown cover for £6.00p per month, she said she would.

Now last month she decided to buy another car, thing is swintons quote on this new car was £2800.00p which I thought was ridiculous, so we cancelled her insurance policy immediately, they said there would be £25.98p outstanding for the cover she had already received, fair enough, we paid it immediately by debit card. So that was it, we didn't owe swinton anything for her car insurance.

Then about a fortnight ago we received another letter from swinton stating that there was £55.00p oustanding for the cover she had already received. I phoned them straight away to see what they were on about. I was told it was not for the car insurance but for the breakdown cover which unfortunately was non refundable.

Now the thing is, Swinton NEVER sent her any form of terms and conditions for her to read through and sign that she accepted those terms, she has never signed any agreement at all for this breakdown cover, even though it was being paid for by monthly installments of £6.00p plus she only had it for three months as we cancelled it when we cancelled the car insurance.

Now I myself think that this breakdown cover, as it is being paid by monthly installments comes under the Consumer credit act of 1974. Swinton should of sent her the terms and conditions along with an agreement form for her to sign and return, but they didn't. So as far as I can see on a legal point of view, this is not an agreement, and cannot be enforced by a court as she has not signed anything.

What do you people think?

thanks

Vangellis

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Hello and Welcome, Vangellis.

 

I'll move this thread to the appropriate Forum, where hopefully you'll get the help you require.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Has anyone helped with this yet as i have much the same problem with Swinton at the moment. they are attempting to charge me a £45 cancellation charge on 2 policys (home/car). never signed a thing!!!

 

Surely its an unfair term?

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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  • 4 months later...

I am having same problem, Swinton are charging me for a policy that never started! I subscribed online but when policy documents were received I was not happy with some details that DID NOT appear on screen at subscription stage, so I returned them as indicated in the terms and conditions.

I have already been debited with the first monthly payment by debit card at subscription stage and they also want £10 service charge + £35 cancellation as apparently by subscribing online I have entered into a contract with them.

Terms and condition state the total £ 45 cancellation fees, so I should either have the first instalment refunded or deducted from this as policy is not due to start until next week and I have cancelled it anyway. How can they charge for a cover that never started at all?

Can anyone advise?

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  • 2 months later...

I'm having exactly the same problem.

I have sent them a CCA request.

They wrote back and sent a complaints brochure stating they will contact us in 20 business days.

The CCA request has now expired.

I am just drafting letter 2 for failure to comply.

There is no credit agreement we never got one!

 

see:

http://www.consumeractiongroup.co.uk/forum/legal-issues/191742-does-cca-request-apply.html

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Just to throw a spanner in the works, doesn't the CCA at 16(1) state:

 

... This Act does not regulate a consumer credit agreement where the creditor is a local authority . . ., or a body specified, or of a description specified, in an order made by the Secretary of State, being—

(a) an insurer,

...

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Well on ALL my previous car insurance documentation where I have paid by monthly DD, the credit agreement does state that it is 'regulated by the CCA1974...'

Maybe it is because the credit is offered by the broker and not the actual insurance company???

 

Comments anyone please??

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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*WON*!!!

Have just received a letter from Swindle.

 

"BLAHBLAHBLAH...

However, as we are now aware that you took the vehicle off the road on 1 January 2009 and as a gesture of goodwill I have agreed that Swindle will not continue to pursue the outstanding balance. I have spoken to Icon collections and they have now closed their records. I can assure that this will in no way affect your future credit rating.....

If we do not hear from you within 8 weeks we will consider the matter closed"

 

RESULT!!!

 

 

So all you people out there being "Swindled"

 

GO GET EM!!!!:D

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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