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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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Lowells & Capital One debt - CCA request


Nivagey
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  • 4 weeks later...
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next bloke next desk diff coloured skirt.

sent to make you think its going up the importance line.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Update: Letter arrived today from Lowells.

 

We have now tried on a number of occasions to help you clear your account by contacting us to discuss an affordable repayment solution.

 

 

We will shortly be passing your acount to our collections department or one of our approved debt collections agencies.

 

 

They will be instructed to contact you regarding your account and seek to recover the outstanding balance through the appropriate means.

 

We can help:

We are willing to offer you a discount of 30% off your balance.

 

 

We can accept this figure paid in instalments that you can realistically afford,

taking in to consideration your financial circumstances and repayment can be weekly, fortnightly or monthly, whichever suits you best.

 

 

If applicable when your account is settled we will update your credit file to reflect this.

 

 

Please note any accounts settled with a discount will show as " partially satisfied".

 

Blah Blah Blah.... Im sure this was meant for Xmas Eve as its dated Dec 22nd :p

 

Ignore?

 

Thanks

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haha discount letter

 

 

pay us something before we tell you we have no enforceable paperwork.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX,

 

Lets hope so eh!

 

 

What slightly concerns me I had discount offers on a B/C account from numerous DCA

as soon as it was sold the "new Owner" they went straight for a CC Claim :(

 

 

although fought off (with the help from you guys on here) and now stayed for the past 2 years,

 

 

seems like this lot will try the same and hope for a default win?

 

Thanks

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yea that's the game.

 

 

they issue speculative claimform hoping for a non contested default judgement.

 

 

paying, in all reality, doesn't prevent anything.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I'm wondering if I should just send a letter and reiterate my position

that is as far as I'm concerned the account is in dispute with the original creditor as previously informed,

and I will rigorously defend any legal action up to, and including, County Court Claim action they try to bring against me?

 

What do you think?

 

 

Then they will have no doubt I'm prepared to go the whole hog and defend court action?

 

thanks

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I wouldn't ever enter into an obvious letter tennis match.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 year later...

Had a letter this morning from Lowells, Pre- Legal Assessment Department

 

Dear Mr *******

 

Your account is escalating. We refer to our previous letters. Unfortunately we've still not agreed with you how you'll repay your debt with us and therefore is had been escalated for legal assessment.

 

The rest is blah blah blah. Please contact us to discuss before it escalates further, we will not ask you to pay more than you can afford etc.

 

What's the next step?

 

Cheers :(

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as always

ignore

 

 

unless/until the issue a claimform.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...
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