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    • Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences. I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name
    • the date is 19/04/24, so i have until 29/4/24 to reply? Yes, i will send my draft of my begging letter   
    • use the webform if it allows you to attach your evidential documents then do so but do that later depending upon who your bank is.... - but i suspect you will be referred to Mastercard. who is your bank? dx    
    • If i did it through the bank, they seem to have an online form. I wondered if this is the best way or to do a letter, add supporting documents and send them through the post, recorded delivery  ?
    • the process for attaining a charging order is the same no matter what it results in. interim first then latter they can go for a full charging order. at ICO stage its recorded the same on your deeds until a full CO is applied for and granted. however, as in your case, it resulted in simply a restriction k which cannot be converted into a full charging order so the entry remains stating ICO. smart cookies on your side IMHO now ...hope you succeed. dx  
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Has Anyone had default removed through courts?


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Hi, whilst awaiting Supreme courts judgement my bank added a default (settled immediately after verdict) to credit reference agencies on my overdraft even though this was apparently against the banking code of conduct (clause13.6) I wondered if anyone has successfully overturned a settled default by using this proceedure:

 

http://www.consumerforums.com/resources/templates-library/49-challenge-a-default-on-a-disputed-account/93-have-you-been-defaulted-on-a-disputed-account

 

I am currently going through the finanacial ombudsman process and on the basis of costs want let see if this settles the matter first. However I would like to have a second string. I have been told that the McGuffick v RBS judgement has ended all claims on clause 13.6 Any help on process, cost what i need to do, and likely chances of success gratefuly received.

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Hi

 

Here are two default removal successes in court that I know about, although they're not settled defaults:

 

http://www.consumeractiongroup.co.uk/forum/abbey-cahoot-successes/92062-default-removal-plus-compensation.html

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/173208-successful-court-action-default.html

 

If the default details filed with the CRAs are inaccurate (e.g. date or amount) then you may be able to claim compensation, irrespective of whether the default is settled or not.

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Hi Hacksaw. Thanks for taking time to reply. Sadly notice was accurate in amount and date. I`m challenging on grounds that amount was disputed at time of default (banking code 13.6). Kind of concerned that Mcguffick/ RBS judgement has scotched that route of redress.

 

Thanks again anyway

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-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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I'm in court in about 3 weeks, trying for default removal. Similarly, the account was in dispute, the bank didnt warn me or inform me when they did default me, and then placed the defaultwith another CRA 4 years after the alleged default date.

 

I will post up what happens to me as soon as I'm out

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