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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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2 x Retaliation Defaults - Help Please!


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Hi, I have just checked my credit reports and have discovered 2 defaults (by different companies). Both these accounts were wiped as neither could provide me with a copy of the credit agreement, so they have retaliated by placing defaults. Please can someone help me correctly word a letter to have these defaults removed without acknowledging the debts? Many many thanks!

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Not being able to provide a copy of the agreement does not wipe a debt, it still exists but they are unable to enforce payment through the courts.

 

I'm guessing that you've stopped paying because the agreement hasn't been provided?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Yes, that's right, this was 2 years ago for both debts (1 for Littlewoods & 1 for Next), neither have chased me for the debts but have both placed Defaults on my credit files.

 

what can I do? sorry for being a bit thick - I just don't want to drop myself in it!!

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Basically nothing. The debts still exist, so if you're not paying they are entitled to register that information with the credit reference agencies.

 

About your only option would be to negotiate some sort of deal with them, but don't hold your breath that they will play ball.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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You should have read up first - the debt is NOT written off, and if in the future they come with the valid credit agreement it will become enforceable again, unless six years pass.

 

Played with fire, got burned.

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Troll!

 

Agree with DonkeyB. For cheerup to make a comment like 'played with fire and got burned' means he's either a sneering troll, or just downright malicious with too much time on his hands.

 

And if you look at all his other recent posts they're all much the same thing..

 

And sorry Leo, but it's really hard getting credit reference files corrected for unenforceable accounts. If you take them to court the onus is then on you to practically prove the case that the account didn't exist, which is much more difficult than defending an unenforceable agreement.

 

.

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  • 2 weeks later...

I disagree.

 

If they are unable to provide you with you credit agreement then they are in breech of the Data Protection Act as they do not have your permission to process your data.

 

If maybe worth writing tot he CRA's with this information. If you get no luck them complaint to the Information Commissioner. They usually instruct the firm to remove the default.

 

Good Luck.

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