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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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welcome finance Problems


abi_cutie09
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I have take this from this web site

 

Payment protection insurance : FSA Money made clear ? News

 

How much will it cost?

Remember interest rates and APRs for loans, mortgages and credit/store cards do not usually include the cost of the PPI policy, so comparing interest rates on their own will not be helpful if you are taking out PPI.

 

The salesperson must tell you how much the insurance will cost you separately from the cost of the loan, over the life of the policy. They must also tell you whether buying the policy is compulsory. You can pay by a single upfront premium, or regular monthly premiums. The single premium can be added to your loan, thereby increasing what you borrow. A regular premium is a set amount you pay each month.

 

The salesperson is likely to quote you a monthly figure for the PPI whether they're quoting for a single or regular premium. If you take out a single premium bear in mind that, as it's normally added to your loan, you're being charged interest on that as well. A regular premium may be cheaper because you will not be charged interest. If in doubt, ask the salesperson to clarify what sort of premium they are quoting for.

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I have take this from this web site

 

Payment protection insurance : FSA Money made clear ? News

 

How much will it cost?

Remember interest rates and APRs for loans, mortgages and credit/store cards do not usually include the cost of the PPI policy, so comparing interest rates on their own will not be helpful if you are taking out PPI.

 

The salesperson must tell you how much the insurance will cost you separately from the cost of the loan, over the life of the policy. They must also tell you whether buying the policy is compulsory. You can pay by a single upfront premium, or regular monthly premiums. The single premium can be added to your loan, thereby increasing what you borrow. A regular premium is a set amount you pay each month.

 

The salesperson is likely to quote you a monthly figure for the PPI whether they're quoting for a single or regular premium. If you take out a single premium bear in mind that, as it's normally added to your loan, you're being charged interest on that as well. A regular premium may be cheaper because you will not be charged interest. If in doubt, ask the salesperson to clarify what sort of premium they are quoting for.

 

 

 

BANG ON

 

ITS CALLED A STATEMENT OF PRICE

ALSO A STATEMENT OF MEANS NEEDS TO BE DONE AT THE SAME TIME TO SEE IF THE PPI ETC IS SUTABLE

 

THESE PPI PAYMENTS ETC ARE FRONT LOADED, PAID UP FRONT IN ONE GO TO SCREW YOU ON THE APR FROM THE START

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they stitched you up on this didn't they ?

do you know who your MP is and if he/she has a local clinic that you can call in at and speak to them.

I am in politics and it can help if your MP can contact the garage on your behalf

I would think they would be horrified to find that you are paying £14,000 for a £4300 car and the papers also I would have them in the Sun or News of the World it might help a lot of people in the same situation as you .

 

I am going to bed now but will check back tomorrow

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Hi abi. That seems to be par for the course with Welcome I am afraid. I never recieved a response regarding the CCA request, only SAR. If you dont recieve the info requested in the legal time frames then put the account in dispute until they comply with your legal request. Welcome seem to be dragging things out bigtime at the moment.

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Hi lee. Hope you have put the account in dispute.

 

Try sending this.

 

Send if the 40 days has expired.

 

************************* ************************* **

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (Insert Date). The disclosure of personal data is incomplete in that at least the following documents are missing.

 

(Adapt this next section to your situation)

 

1) You have failed to provide a complete list of transactions and charges.(Add details of missing period - or a transaction that you know about which is not included)

2) You have provided no notes, or documents relating to any legal action between you and myself.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours faithfully,

 

 

 

[name]

.

.

 

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#Latest update#

 

Got a letter from welcome today,

 

It is in responce to my letter telling them to shove there ppi questionnaire.

(which I sent weeks ago)

 

This is what they wrote.

 

''As explained in our previous correspondence, I have closed the complaint until such time you provide me with the questionnaire.Upon receipt of the aforementioned correspondence, I will investigate and issue a final responce in the timescale allowed''.

 

I just don't know what to do any more, feel like banging my head against a wall.

 

They signed for the missold ppi letter on the 10th November 09,

 

I thought they had 8 weeks to give a final responce,

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  • 1 month later...

Just a quick update,

 

I have also recieved letters offering a 25% reduction for my hp and personal loan. These were sent about two weeks ago.

 

I then received last week default notices for both my accounts.

 

My broadband is down at the moment so I am having to use dial up instead. So I wont be online very much for the next week.

 

 

 

 

I re

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