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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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Santander wont cough up car finance PPI


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no ppi from the OC always

 

time to ignore the monkey that wants his money

they have no legal poweres to do nowt

call the police!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no ppi from the OC always

 

time to ignore the monkey that wants his money

they have no legal poweres to do nowt

call the police!

 

 

 

dx

 

 

So what do I do then, post ggj was going to help me write the letters as even with the templates I struggle. Santander keep saying I wasn't missold ppi, and this guy that came for the money actually brought a tow truck with him. He would have it up and gone before the police arrive.

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no he cant

if its on your drive its THEFT!!

 

you have been a cash cow

he is not going to want to loose his free money

 

he can bluff all he likes

just video him.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what about santander?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so where are you with the ppi?

 

did you do an SOC and send that off with the fos customer questionaire

and what have theyy said.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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we dont know what you sent from POSTGGJ it was in a PM.

 

thats why i'm asking

 

so they fobbed you off and you've never replied

it IS their pigeon!!

 

go get 'em!

 

do an FOS customer questionaire and fire that off with the PPI SOC..

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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soc+Questionaire to santy

 

PM me the letter then i'll work it out

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

dx100uk I have had a letter back from Banner Jones.

 

They say in it that lee heap was a third party debt collector who was part of a different company that they had sent out. They said they did not have a right to take the car like mr heap told us and that there was no court order. However, as we had agreed with mr heap to pay £10 a month, they were willing to carry on with that agreement now.

 

Now, we were bullied into parting with the £200 odd and then told by mr heap we had to pay £10 per month in future or he would be back, we werent given a choice. Also Banner jones made no mention of the PPI that I had spoken off, and had not included any of the things I had requested re the PPI.

 

So what do I do now? I feel lost again! As if it is a stalemate again. From what I can gather banner jones didnt seem to know lee heap, but then on the other hand they knew about the monthly arrangement??? so they must know him! And santander just say its nothing to do with them now, seeing as it has moved on to banner jones.

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Plus they did not reply within the fortnight to us, in fact it took nearly a month, although on the letter they had dated it the 3rd of november, but the envelope was date stamped with their company on the 25th or so!

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right ok

did you check your cra file?

 

how did you pay the spoofing repro man?

 

hope oyu've not paid anymore to anyone in the meantime?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is this debt on the cra file?

 

as for the cash, shame, thought we could get him by a chargeback

 

that money has gone straight to hhis pocket i bet..

 

i wonder if it might be an idea to CCA Banner Jones

 

and see if oyu get one back [i bet not] or atleast get a statement of account.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is this debt on the cra file?

 

as for the cash, shame, thought we could get him by a chargeback

 

that money has gone straight to hhis pocket i bet..

 

i wonder if it might be an idea to CCA Banner Jones

 

and see if oyu get one back [i bet not] or atleast get a statement of account.

 

dx

 

 

How do I do that? And what do I do about the PPI?

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ppi info is in my sig below

 

does this debt show on your cra file?

 

cca is in the library green tab top left

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ppi info is in my sig below

 

does this debt show on your cra file?

 

cca is in the library green tab top left

 

dx

 

 

Hi dx, yes this debt does show on my CRA file, and also although Banner jones havent sent me a copy of my agreement, I do have my own copy, which I posted at the beginning of this thread.

 

I have sent off numerous letters about PPI to santander, and they keep saying its nothing to do with them, and I was missold by the chap in the garage, however when I got the car, the agent in the garage phoned santander to see if I needed PPI and I was told that if I didnt have it, they wouldnt allow me the car, as PPI was a necessity. So I did question it in the beginning way back then, but Santander wont budge on it at all. And now they just keep saying we have passed your file to Banner Jones.

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ok well now i think i would forget about the car and repaying any more.

 

sar GE money, lets see if this got to them.

 

and lets get reclaiming the PPI through GE MONEY,

not sant.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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