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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
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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,
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nationwide credit card - agreement.


sandraroff
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my sons pays these people for a nationwide credit card debt. nothing but kindness. so far. and its been a few years. even when he was in hospital and teh payments fell behind.

 

Id be nice to you if you was paying me money that I wasn't entitled to.

Have you CCA'd them to see if they are entitled to collect.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Sandraroff I think he means do they have the relevant paper work to be collecting the debt.

Send a CCA and see what they come back with, then post it up.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

Edited by Craigbadger
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  • 2 months later...

just to keep you up to speed. i sent the letter and had a reply back saying that they were going back to their client and that teh account was on hold. that was pretty quick to them receiving my letter. heard nothing since. as you can see from my previous post, my letter to them was sent on the 21st july and they would have got it the next day. been a while.

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  • 3 weeks later...

at last, and a reply. though think it is a kosher agreement. i am in the internet cafe so cant scan it in and post up, so will give a detailed description. fredrickson have clearly obtained the necessary from nationwide. there is a stack of copies of credit card statements plus a letter from fredrickson, not nationwide. ok, here goes. on the left it says credit card application. with everything all filled in. on the right is a bit that starts 'credit agreement regulated by the consumer credit act 1974'. my son has signed it where it says only sign if you want to be legally bound by this. its dated 14/03/01.

 

the letter from fredrickson says they hope this clarifies matters and they look forward to hearing about the proposals for discharging this debt.. looks likes its an ok one to me. what to do now??

Edited by sandraroff
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Sounds like junk to me.

 

Firstly statements mean jack. Anyone can knock some statements up.

Secondly, if it says application then it is just that, an application.

 

Have a look at the link below and tell us if its the same as what you have been sent.

http://www.bankactiongroup.com/forum/showthread.php?261495-Nationwide-CCA-enforceable

Edited by ashmk
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no, its nothing like that. its an A4 sheet turned on its side. the application bit is on the left, the agreement bit is on the right. the agreement bit takes up about a quarter of the page. sorry i cant reply quicker, not got the internet at home. regular trips to the local internet cafe!!!!.

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  • 1 month later...

Sandra, if you can start your own post, then you will get more help, but it sounds as though it is some kind of application form especially if it is all on one A4 sheet, normally CCA's are on an A4 sheet but the T&C's are on the reverse. Is the type legible can you read it?

Have a read of this and compare yours to this explanation..

http://www.consumeractiongroup.co.uk/forum/showthread.php?162851-Consumer-Credit-Agreements-a-guide-to-enforceability

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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good morning all. wonder if anyone can advise on this????

 

my son is at the moment, paying fredrickson international for an old nationwide credit card debt. following the advice on here, i have requested, and received, what they say is his agreement with them. i requested this from the DCA and what i received was received them, not nationwide. unfortunately, i do not have the facilities to post the agreement up on here, nor do i have a camera to do whatever is neccessary. just hope a detailed description may help things along. (or maybe i can send it to someone???)

 

ok. it is on A4 but the sheet it turned on its side, and there are four columns. going left to right:

 

first column says its a credit card application. has my sons name, address, date of birth, phone number, nationwide bank account number.

 

second column: password, employment status, employers name and address, other borrowing, and if card protection is required.

 

third colum: marital status, name and address of bank, additional cardholders.

 

fourth column:headed 'this is a credit agreement regulated by the consumer credit act 1974. followed by the 'declaration' with print so small i am using a large magnifying glass!! nothing in the declaration mentions credit limit, interest, when its added, etc. its all about other stuff, like they will be making checks and not sharing information. there is one part, part (b) saying 'i am asking you to issue me with a credit card, and that your conditions, which i have read, will apply'. however, there are no conditions with the copy of the agreement that was sent. then there is a very small box for a signature saying sign only if you wish to be legally bound by its terms. then 'your right to cancel', then another box thats for their bumpf; for branch use and for NCCS use only. and filled in by whoever issued it all. dated 20/03/01.

 

nothing printed on the back of the sheet.

 

any advice please. thanks to all who read this.xxx

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