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    • 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
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MoJ Statute of Limitations Consultation


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A while ago I heard that the MoJ was putting together a consultation paper on reducing SB to 3 years instead of 6. Does anyone know what happened? I gather it got shelved because I cant find anything on their website about it, although I have found the CAB and MAT's responses to it. Do we know why and if it is likely to be picked up again?

 

If so, is it worth CAGgers lobbying their local MP's to get something done?

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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3 years is long enough for them to chase people, if you went to prison for debt the sentance wouldn't be 3 years... they really want to line their own pockets and keep the country heavily in debt because it creates jobs for the jobless... who possibly wouldn't get employment in any other industry.

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3 years is long enough for them to chase people, if you went to prison for debt the sentance wouldn't be 3 years... they really want to line their own pockets and keep the country heavily in debt because it creates jobs for the jobless... who possibly wouldn't get employment in any other industry.

 

Well the limitation act works both ways, bank charges for example! I personally agree that it should be three years, I aslo think that credit files should have significant changes. Defaults should last for three years, missed payments for a year. CCJs should be three years and IVAs/Bankruptcies should stay at 6.

 

Oop, sorry for the slight tangent!

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Hi guys

 

Due to recent cases, the creditor can continue to add interest to the debt, even though there is a possibility that the debtor will never pay that debt. I wonder if a creditor would keep adding interest for 6 years, then write the debt plus interest off. So in effect they are creating a greater loss then if they had to write it off after 6 months.

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They can add interest for 6 years for a debt under seal, ie a mortgage but not for 6 years for other debt which attracts interest at 8%... either way the interest is at 8%.... some companies have been misquoting the law on this.

 

If they had there way NO debt would die until paid - and ANY debt would automatically double every year... I've seen proposals on other sites to this effect (Credit Today had a thread on their forum about this but it got pulled... wonder why).

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The OFT have confirmed that they can continue charging interest, even when the agreement is unenforceable. This is down to recent cases, Carey etc.

 

They can add interest for 6 years for a debt under seal, ie a mortgage but not for 6 years for other debt which attracts interest at 8%... either way the interest is at 8%.... some companies have been misquoting the law on this.

 

If they had there way NO debt would die until paid - and ANY debt would automatically double every year... I've seen proposals on other sites to this effect (Credit Today had a thread on their forum about this but it got pulled... wonder why).

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They can add interest for 6 years for a debt under seal, ie a mortgage but not for 6 years for other debt which attracts interest at 8%... either way the interest is at 8%.... some companies have been misquoting the law on this.

 

I'm not sure I get that, I was always under the impression that a creditor can apply contractual, rather than statutory interest, if it is financially better for them. I appreciate the limitation period of mortgages etc is only 6 years, though.

 

I also appreciate that if the principle is stat barred - so is any interest (according to Elder v Northcott [1930] 2 Ch 422)

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