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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
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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
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Marstons charges and Walking Possession on works vehicle


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Hi guys, I wonder if anyone can help.

 

On Thursday, I woke to find a Walking Possession notice posted through my letterbox. It seems that Marstons Group have levied against my works van for a business debt owed to TradePro.

 

Now I first fell into arrears with monthly repayments back in 2008, but after a CCJ, started repaying at an agreed amount. It wasn't until around May of this year I fell into arrears again - as I am self employed work had dried up and I went two months without a sustained period of work. Anyway I recieved notification that a writ had been issued from High Court and Marstons had been employed as HCE's. They first attended my house back in October, there was nobody present and they left a WP notice left attached to my back door - stating that they had levied against my personal vehicle. Unfortunately for them HMRC hyenas had already levied against that vehicle and it still stands today as I continue to pay back arrears on income tax.

 

I immediately informed them of such and they said 'we will take it anyway,' of course I knew this was untrue. They then abruptly inquired are you going to pay, I replied that I owed money to both HMRC and council tax, so could only offer them £150 pm - even that would be a stretch. They refused. I contacted TradePro and offered it to them - they replied 'it was out of their hands and in a third party's now' but they added, 'we would normally accept this.' Anyway I then recieved numerous threatening correspondence from Marstons foraround a month, stating they would come and collect my vehicle. Then finally in November - at which time my financial situation had changed again for the worse - they attempted to resurrect the £150pm deal. I ignored this.

 

Having spoke with wonkeydonkey she advised me to make payments direct to TradePro. So in November I sent TradePro £150 via BankGiro. I have since spoken to them and they have confirmed that they have recieved it, unfortunately I couldn't pay at the start of this month, but should be able to send them another £150 if advised to do so around the 20th.

 

That was the background to Thursday's visit. Now, firstly the vehicle they have now levied upon is my works van. I am a heating and ventilating engineer and require it to transport heavy machinery and equipment. I work for myself and do not have any employees, thus ruling out potential for other transport. I also cannot secure any van leases because I have 3 CCJ's against my name. So if they were to take my van - regardless of whether they sell it - I will not be able to work.

Do you think this is sufficient grounds to invalidate the WP? To whom should I apply?

 

Secondly, Marstons has now visited on 2 occasions, on both occasions I have not had any personal dealings with them, neither has anyone from my family. On the first occasion there was a notification of WP left at the back door, this occasion it was posted through the letterbox.

When they issued this levy yesterday my van was parked inside of locked gates. The only way the HCE could have issued a levy and noted the registration was by peering through the gates. Is this compliant with debt regulation guidance?

Also, I have noticed that Marstons have increased the debt owed by £1400 - in their very ambiguous break down of costs they are as follows - Judgment costs - £85, Execution costs - £101.75, Interest to date - £303.05, Officers Fees - £901.81 ( Fees will increase by 25p per day whilst in possession) - Surley this is exorbitant?

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Marstons charges and Walking Possession on works vehicle

 

If the vehicle belongs to your employer, the levy is not valid and no fees are due.

 

Let the bailiff take the vehicle and your employer can report it stolen. He might even get a new one at the bailiffs expense.

 

Complaints about a bailiff and invalid levy is made on a form 4, your employer does this.

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/form4_0606.pdf

Professional property investor and conveyancer

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If the vehicle belongs to your employer, the levy is not valid and no fees are due.

 

Let the bailiff take the vehicle and your employer can report it stolen. He might even get a new one at the bailiffs expense.

 

Complaints about a bailiff and invalid levy is made on a form 4, your employer does this.

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/form4_0606.pdf

 

The poster clearly states he is Self Employed

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