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    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
    • FTMDave - your cold light of day suspicions are correct, alas. Just had this back... Thank you for your email. I was very sorry to learn that you recently received a parking charge notice after shopping at our Kearsley Manchester Rd Express store. I appreciate this is always frustrating, especially as you'd just nipped in for the one item. I've had a look, and I can confirm that in this case the car park at this store is entirely owned by a third party - it is not owned or operated by Tesco in any way. The parking charge issued is on behalf of that third party, although I appreciate it does state Tesco on the letter. Regrettably as the car park is owned and operated by a separate company we don't have any form of influence or control over the parking charges issued. In this case, I can only recommend that you follow the appeals process outlined on the letter directly to take the matter up with UKPPO directly. I'm sorry that I cannot offer further help in this case.  Please do not hesitate to contact me again should you require anything further.  Kind regards Ewan Kelly Customer Service Specialist On behalf of the Chief Executive’s Office
    • The IMF estimates Russia's economy will grow faster than the likes of the US, UK and Germany this year.View the full article
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Money Shop postcard "Agent Will Visit"


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Hi

 

I've posted previously. I have an outstanding £750 loan with Moneyshop, taken against cheques from an account that later went into default. I paid interest charges for a couple of months. However, as I missed the latest (November) interest payment as I couldn't afford it, the Moneyshop presented the cheques which the bank then refused to honour.

 

The Moneyshop took November's interest payment of £117.50, plus a further £75 charges, without permission from my wife's bank account, as I had used her debit card the previous month (I've since cancelled the card!).

 

I answered their calls initially and tried to negotiate a position, but they were not interested and very abrupt. I then told them to write to me, and I have since opted not to answer their calls. I have not received any letters, but have subsequently received a card from their head office advising that they "have instructed [their] agent to call" this Thursday.

 

I don't deny the debt, however I need time to repay as the bank default effectively wiped out my banking facilities. I want sensible discussion on the options, rather than inane bullying and shows of strength.

 

Who will "the agent" be ... a bailiff? And what rights will they have, and do I have? I can't imagine it'll be a visit for a cup of tea and a chat!!

 

As I understand, I should not grant access. As I also understand, they can't do anything until they've obtained permission from the court, and if they sought this I would be contacted in advance of any hearing as the defendant? Is all of this true, and can I therefore meet him outside and simply tell him to go away, and to advise his/her client to put things to me in writing?

 

Any advice in advance of Thursday's "visit" would be most appreciated!!!

 

Thanks, Lamp

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the threat to call will provably be someone on the phone, if someone turns up it will NOT be a baillif just some scroat on commsion, simple tell them to leave, and if they dont then inform them that you will call the police.

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Thanks PGH. Their choice of the verb "call" does leave it unclear whether this is a visit or a telephone call, however given that they're always doing the latter, I anticipate the former!

 

I'll tell the "scroat" to beat it! Will my indebtedness be increased by a "charge" for this visit?

 

Once I can pay the capital (hopefully Jan/Feb), I assume I should transfer the original amount only to them and tell them to sue me for any difference (interest/charges/etc.)?!!!

 

Lamp

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  • 2 months later...
Have they visited yet?

 

No, never had a visit, and I've not had any cards for a while. Instead I'm being chased via phone and letter by a company called "Castlebridge Credit Management".

 

Their latest letter has advised me that "The Money Shop have indicated that if the outstanding balance is cleared within the next 30 days there is the potential that you may be able to use their services in future" ... oh, seriously?!!

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  • 4 weeks later...

They definitely do not send bailiffs... i worked there for almost 5 years and never ever heard of this happening..

 

Normal procedure for them is to harass these people frighten them to death with threats of bailiffs then sell the debt on!!

 

:)

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  • 4 weeks later...
  • 2 weeks later...
  • 1 month later...

I had the same threat from a pay day lender, V Gates, operating under the title, 4Cashnow. They said that it was normal policy to visit one's work place after issuing a default on a loan. I explained my situation and also stressed that according to debt collection guidelines set by the OFT, that such a visit would be against such guidelines, as well as be considered a breach of section 40 of the administration of justice act 1970 (i.e harrassment). they seemed a bit more reasonable afterwards.

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