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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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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Car recently repo'd by Welcome Finance...any advice gratefully received!


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just received a letter from WF threatening me with legal action if I don't contact them with a payment plan. my 'account balance' and arrears figures stated in this letter just do NOT make sense at all.

 

I haven't been on here recently as I've been really struggling with my N1 form and as yet have not filed my claim. Am waiting to get paid so I can buy Patricia Pearls small claims book (looked on amazon and it's £30!)

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hi moneymeltdown again as wannabe says (shes a star and very helpful with n1s lol) mines all ready to go just waiting on evidence to submit forms so if theres anything I can do just shout patricia pearl is cheaper from CAG than amazon :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 4 weeks later...

hello!

so sorry I haven't been on here recently..I have had some family things to sort out :( which has meant everything else has taken a back seat

 

ok,so as yet no n1 form filed yet. have had some recent WF correspondence ie a default notice sent by them a few days ago and also a breakdown of all new charges(!) including a repossesion fee of almost £300.

 

I really really need some guidance with my figures as i feel overwhelmed by it all and don't want to file a claim that's unclear!

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hi moneymeltdown again as wannabe says (shes a star and very helpful with n1s lol) mines all ready to go just waiting on evidence to submit forms so if theres anything I can do just shout patricia pearl is cheaper from CAG than amazon :)

 

hello again!

i would love some help regarding filling in the dreaded n1 form...it's just my figures that I keep getting stuck on.I KNOW i have paid more than the 1/3 required and have proof yet every letter that comes from WF says differently

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hello again!

i would love some help regarding filling in the dreaded n1 form...it's just my figures that I keep getting stuck on.I KNOW i have paid more than the 1/3 required and have proof yet every letter that comes from WF says differently

Oh just ignore their cr*p!! :D They don't know their ar*e from their elbow!! What proof have you got? Have you got any copies of the annual statements?? Did you ever rewrite this agreement??

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Hi,thanks for responding!

I haven't heard from these idiots for a while so it's a bit strange that they would start sending default notices now!

I have proof that I have paid the third in writing from WF and various statements from WF. I have checked my credit file with Equifax and have a record of all payments to WF with no defaults (does this count?)

 

No,I have not re written my agreement with WF.

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It's ok, it needn't be a problem if you've already got all the info you need. You say you've checked your credit file, is there definitely only one welcome agreement on there that dates from when you took out the HP to the present date?? Sorry, don't want to seem like I'm doubting your word, just welcome have a nasty habit of rewriting agreements to suit their own needs. It's vital to your case that there was only ever one agreement.

Also, can you count the number of payments made as showing on your credit file?? Was it a 48 month agreement?

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It's ok, it needn't be a problem if you've already got all the info you need. You say you've checked your credit file, is there definitely only one welcome agreement on there that dates from when you took out the HP to the present date?? Sorry, don't want to seem like I'm doubting your word, just welcome have a nasty habit of rewriting agreements to suit their own needs. It's vital to your case that there was only ever one agreement.

Also, can you count the number of payments made as showing on your credit file?? Was it a 48 month agreement?

 

Definitely definitely definitely only ONE agreement! the agreement was for 48 months and yes can count the payments made. the total amount exceeds the 1/3 amount. I have checked many times :)

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Oh and by the way, they can't send you a default now, the account was terminated so there's no obligation to make installments therefore no DN to show arrears :D

 

that's what I thought when I received it the other day :)

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