Jump to content


  • Tweets

  • Posts

    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
    • How about -     Dear Will & John,   Re: your reference XXXXX, vehicle registration XXXXX   cheers for your Letter Before Claim.  I rolled around on the floor in mirth at the idea you thought I would actually take such bilge seriously and then cough up.   Now you know and I know and now you know that I know all the reasons why these residential parking claims are utter pants.   Your thicko client, UKPM, have been hammered in court so many times in these cases, but if they haven't learnt their lesson and want another thrashing, fine, bring it on.   I see the government this week dropped tests for fully-vaccinated travellers returning to the UK, so if your client is daft enough to take me to court then I will delight in tolchocking them, then obtaining an unreasonable costs order under CPR 27.14(2)(g), spending it all on a foreign holiday, and then laughing at your client's expense while I down my aperitivi.   I look forward to your deafening silence.   COPIED TO UK CAR PARK MANAGEMENT LIMITED     Gladstone's and UKPM are well aware of where these letters originate from and that they would have a real battle on in court, so lately have always run away ... although of course there are no guarantees.   However, hang on through tomorrow and see what the other regulars think.
    • 'Walk the ice, take risks and do it quickly'View the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

How do I deal with creditors myself without outside DMC's


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4162 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Been reading through all the threads and still confused what to do. Have £32,400 worth of debt to credit cards, loans and an overdraft. Been paying them all but then have to use the credit again to get through the month. Now want to make offers to creditors that I can reasonably afford. I've done a finanacial statement and have £590 left each month to offer between the six of them.

 

My concern is how can I go about trying to get them to freeze the interest and what will happen if they do not except my offers. Do I start to pay the amounts I can afford before they agree to the payments to show willing or do I wait until they reply to my offers?

 

I know there is plenty of information on this site but it's still all too confusing. I am a home-owner with children and do not want to put our home at risk from not paying or have bailiffs knocking on the door because they will not except the payments.

 

Also do I offer the larger debts larger proportions of my available funds or spread the payments equally....need help!!!

 

I was going to go down the debt management route but they charge a fortune and I don't trust them. I have done a calculation with CCCS debt remedy and according to them I can offer a total of £960 a month to my debtors....don't understand how they get this figure as it is more than I am paying now, struggling as it is to make ends meet!

 

Does anyone also know how you go about convincing creditors to freeze the interest so the debts start to get paid off?

Link to post
Share on other sites

Hi,

You have no need to go to a fee paying company. There are two free ones, CCCS and Payplan. These are funded by the financial industry and creditors take more notice of these than the fee paying ones.

You could do it yourself of course. Here is a link to some letters you could use:

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

It would be better to do pro-rata payments than a fixed sum to each creditor.

 

Good luck

 

Fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Thanks for the advice. My only problem when doing an online assessment was that CCCS will only allow me £120 a week for food/household and clothing for a family of five......which is quite frankly impossible with three children when you have school uniforms, shoes etc. Maybe I have no choice but to live on that but it will result in me still struggling to pay the debts and defeats the object of manageble payments that I can keep to for creditors.

 

Regarding CCA's that I have read on many threads; can you obtain these from your credit card lenders or do you have to wait until it goes to a debt collection agency?

Link to post
Share on other sites

Regarding CCA's that I have read on many threads; can you obtain these from your credit card lenders or do you have to wait until it goes to a debt collection agency?

 

You can send a CCA request at any time. If your account is with the Original Creditor (OC) then the request goes to them. If the debt has been transferred to a Debt Collection Agency (DCA), the request goes to them.

Another link for you:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

Letter 8 is the one to send but only for loans and credit cards. Send each letter by recorded delivery and don't sign it. The creditors may come back and refuse your request without a signature and if they do, we can help there as well.

 

If you have been stung for any charges on the loans and cards, you can get them back (all it takes is a little work and loads of patience)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...