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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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UK Credit Cards but living in EU


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Incredible to see such an active lively forum dealing with real problems. Congratulations to all those contributors who have helped others out of debt.

I am new to this and have a set of circumstances that I hope someone wil know the answer to.

I have UK credit card debts which I was happily paying off until the credit crunch/crises/mess affected my ability to earn a living as I work in financial services and get paid in sterling but pay my bills in euros.

I would happily challenge my CCA agreements with MBNA, Capital1, RBS Mint and more but I do not know how the law stands as I am not UK resident.

I am also concerned as I cannot enter into arrangements with creditors or I would be unable to continue to work.

If anyone knows where I stand from the law aspect I believe I could challenge the CCA agreements without it affecting my credit file/rating.

All/any advice greatly appreciated.

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22 views so far and it looks like nobody knows the answers so far. Does anyone know if the Consumer Credit Act laws are binding on companies when the debtor (i.e me) lives in a different EU country. I was made to cancel two credit cards when I left the UK but the rest were OK to carry on. Not sure if the 14+2 days rules apply when I am in Europe??

Can anyone advise me please?

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I Can't add anything, but i'd also be interested in the position regarding eu and non eu residency and how it impacts. Can UK based debt be chased in over seas courts for example? (not hihacking - just interested in situation)

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European Order for Payment 4 (1).pdf

 

European Order for payment 4 (2).pdf

 

Got there in the end!

 

Attached and previous post attachments refer to new (as of 12 December 2008) legislation covering the EU for the recovery of debt, Regulation (EC) No. 1896/2006.

 

This is the procedure brought in for uncontested claims where there is no dispute over whether money is owed or not, but where the debtor is unable or unwilling to pay.

 

I hope someone who has more expertise can look over this and give an opinion as to whether or not an unenforceable CCA could be chased under these procedures, as presumably if there is no enforceable agreement the debt is not uncontested.

 

I am guessing that DCA's could still chase and debts can be sold on to a DCA in another country:idea:.

 

I am in an EU country with UK debts and for various reasons am unable to make payments at the moment. I sent CCA requests yesterday and am now waiting to see what I get back.

 

Any help or advice appreciated and once out of the mess I am in happy to donate to this site which has been a fantastic resource to give me the knowledge and confidence to contest paying 34.9% interest on one debt! (You can guess who!)

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  • 2 weeks later...

Bump

 

A bit disappointed by the lack of responses. I would of thought the european legislation would be of some interest to the Site Team.

 

I can't believe there aren't other Brits living in other EU countries who don't have a similar situation and problems given the way the exchange rate on the Euro has gone.

 

Still. I have now CCA'd my CC's and will post responses when I get them.

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Hi there, 1st time I have posted. I'm in same sinario CC debts in UK and live in EU because of Credit Crunch (husband couldnt get job in UK). Cant afford to pay them off. Interested in any solutions.

Thanks

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Hi diddlydee,

 

'CCA'd' means I have asked my credit card companies for copies of Credit Card Agreements under the Consumer Credit Act 1974 which you are entitled to do to find out if the agreement is enforceable.

 

If you look at other threads you will get the idea!

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Sorry Exchange,there was no deliberate intentions to avoid a response-but CAG is a big site !!

I am acknowledging that site team is now aware.

I have to admit I am not up to speed in this area-hopefully one of the other team can throw some pointers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm afraid, I don't know enough about the cross EU regulations on debt, I know there are reciprocal regulations in some areas as far as things like benefits and taxation, but debt is a grey area. My guess is that unless the debt collection agency are able to pass a debt on to another DCA in your current country then I feel they will struggle to enforce a debt....this is only my opinion.

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Hello Exchange

 

Sorry it has been so long on replying. Some UK Debt Collection Companies may have Partner Companies in the EU. Any agreement regulated under the Consumer Credit act is only enforceable in a Britsh court.

 

The EU has agreed a procedure known as an EPO -European Payment Order which came into force in January 2009 and can be used to enforce collection of a UK debt without the CCJ. The European Payment Order is only available for cross-border cases. It allows for citizens and businesses to use a simple method to enforce uncontested payments.

 

The European Payment Order is under PART 78 EUROPEAN ORDER FOR PAYMENT AND EUROPEAN SMALL CLAIMS PROCEDURES - CIVIL PROCEDURE RULES

 

Link here:

 

PART 78 - EUROPEAN ORDER FOR PAYMENT AND EUROPEAN SMALL CLAIMS PROCEDURES

 

If the companies involved know where you are, and the amount owing is worth the effort, then you may have them coming after you using this route.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks to the site team responses, sorry only just saw them. I wondered if 'uncontested payments' mean they can still chase if an account is 'in dispute' I have had two CCA responses now and both are now 'in dispute' as they have not complied correctly, in my opinion. One with Crapone has a thread I have just started but for some reason i cannot add attachments! Can this be corrected please?

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Thanks for the responses from the Site Team. I wondered if the 'uncontested debt' applies if an account is 'in dispute'? I have had two responses from CC companies both of which I have now disputed.

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