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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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CCA request declined for no sig on old Lombard Loan


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hi, i applied for my cca request to triton dca using the template letters on this wonderful site concerning a loan from lombard..

 

i enclosed the postal order for £1 and did not sign the letter.

 

they have replied stating that they have declined my request and returned my postal order because i have not provided a signature.

 

they have said if i provide a signature 'they will be happy to release the relevant information under the act'

 

the reply letter was sent 2nd class post~(not recorded)

 

will i just continue and send them the second 'default' letter as they have not complied with my request?

 

many thanks in advance, i am going to donate to this site, i am happy that i have annoyed them lombard/triton dca!

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:lol::lol: :lol:

 

Mr w

 

 

 

 

hi, i applied for my cca request to triton dca using the template letters on this wonderful site concerning a loan from lombard..

 

i enclosed the postal order for £1 and did not sign the letter.

 

they have replied stating that they have declined my request and returned my postal order because i have not provided a signature.

 

they have said if i provide a signature 'they will be happy to release the relevant information under the act'

 

the reply letter was sent 2nd class post~(not recorded)

 

will i just continue and send them the second 'default' letter as they have not complied with my request?

 

many thanks in advance, i am going to donate to this site, i am happy that i have annoyed them lombard/triton dca!

Regards..Mr Worried :)

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Guidance on sections 77, 78 and 79 of the Consumer Credit Act 1974 – the duty to give

information to debtors and the consequences of non-compliance on the enforceability of the agreement

1.1 This guidance note, published pursuant to Section 4 of the Consumer Credit Act 1974 (the Act), provides guidance to businesses in relation to their duties (under regulated consumer credit and consumer hire agreements) to give debtors and hirers copy documents and statements of account on request under Sections 77(1), 78(1) and 79(1) of the Act.

1

The Act refers to the duty of the creditor and owner under these sections as being one to give information and this guidance will refer to requests made under these sections as 'information requests'.

1.2 The sanction under the Act for non-compliance with an information request is unenforceability of the credit or hire agreement for so long as the creditor or owner fails to comply with his duty.

2

Where there is such a failure, the courts have no discretion to allow enforcement.

 

 

PS PLZ mt your inbox ....incomming

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thanks for the replies everybody. good to know others have been down this road!

 

whats up mr w?

 

have i done something wrong? i dont understand the laughing icons are for.

 

many thanks.

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Hi, Done something wrong, not at all ! the laughing icons are aimed at the dca's lack of ability to conduct themselves within the appropiate manner.

 

Mr

 

 

 

thanks for the replies everybody. good to know others have been down this road!

 

whats up mr w?

 

have i done something wrong? i dont understand the laughing icons are for.

 

many thanks.

Regards..Mr Worried :)

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What is the address on the letter from Triton ? Have they included their OFT licence number on their letter ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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42man i will check tonight and get back to you.

they must have recieved my letter today, as they have phoned my mobile and my parents today! they left me a voicemail, and an extension number to call back. they have no chance.

 

im sending the 'written communications only' letter tomorrow.

 

funny, my original cca rquest letter was sent to triton, and lombard got back to me on the same day. that they recieved my letter.

same office? probobly.

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What is the address on the letter from Triton ? Have they included their OFT licence number on their letter ?

 

 

triton credit services po box 550

manvers

rotherham

s63 3ed

 

no oft licence number, just says they are trading name of RBS.

 

thanks for all the help again

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OK unfortunately they do seem to have a licemce....

 

Licence Number:0176720

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberThe Royal Bank of Scotland PLCSC 90312

 

Licence Notes:

 

EvtStageOpen DateNotes245CCA Section 74(3) Outcome22/01/1990

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Debt administration Debt collecting Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Churchill Direct Debt Services Direct Line Direct Line Financial Services Direct Line One Account First Active Holts Loanline Loans From Churchill Lombard Direct Lombard Direct Mastercard Lombard Premier Lombard Trust & Savings Mint Natwest Mentor Services Tamarisk Debt Management TDM The One Account The Personal Insurance Service The Personal Loan Service The Personal Savings Service The Royal Bank of Scotland Mentor Services Triton Credit Services Unidebt Collections

 

Trading Name(s) (Historic):

 

Churchill Loans

 

Issued Date: 30-Aug-1985

Date Maintenance Payment Due: 05-Sep-2015

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAileen Norma Taylor Alexander Maxwell Crombie Arthur Frederick Ryan Brendan Robert Nelson Bruce Winfield Van Saun Colin Alexander Mason Buchan John McFarlane Joseph Patrick Machale Penelope Lesley Hughes Philip Gordon Scott Philip Roy Hampton Stephen Alan Michael Hester

 

Historic Individuals that run the organisation:

 

NamePositionAileen Norma TaylorNew Company SecretaryAlexander Maxwell Crombie Archibald Sinclair HunterOFFICERArthur F RyanDirectorBrendan Robert Nelson Bruce Winfield Van SaunDirectorCameron McLatchieOFFICERCharles John KochOFFICERCharles Murray StuartOFFICERColin Alexander Mason BuchanOFFICERDr Elizabeth Hawkins NelsonOFFICEREileen Alison MacKayOFFICEREmilio Botin-Sanz de Sautola Y Garcia De Los RiosOFFICERFrederick Anderson GoodwinOFFICERFrederick Inglis WattOFFICERGeorge Anthony SchofieldOFFICERGordon Francis PellOFFICERGuy Robert WhittakerDirectorIain David Thomas VallanceOFFICERIain Samuel RobertsonOFFICERJames McGill CurrieOFFICERJanis Carol KongOFFICERJohn Alistair BarclayOFFICERJoseph Patrick MachaleOFFICERJuan Rodriguez-InciarteOFFICERLawrence Kingsbaker FishOFFICERMaurice Victor BlankOFFICERMiller Roy McLeanOFFICERMr Alan EllisOFFICERMr Alexander Macdonald HamiltonOFFICERMr Alfred George PollardOFFICERMr Charles Frederick Eardley ShakerleyOFFICERMr Charles Milne WinterOFFICERMr David Beatson ClarkOFFICERMr David George Patrick Coke OgilvyOFFICERMr David RobinsonOFFICERMr Frederick Ranald Noel-PatonOFFICERMr George GraboysOFFICERMr George Kenneth Hotson YoungerOFFICERMr George Morgan ThomsonOFFICERMr Henfry Louis Carron GreigOFFICERMr Henry Edward FarleyOFFICERMr Hew CampbellOFFICERMr Ian Clark WoodOFFICERMr Ian Faulconer Heathcoat GrantOFFICERMr Jaime Botin-Sanz de Sautuola Y Garcia de los RiosOFFICERMr James Craufuird Roger InglisOFFICERMr James Snodgrass LindsayOFFICERMr John Nigel Courtenay JamesOFFICERMr Kennedy Campbell FosterOFFICERMr Kenneth ThompsonOFFICERMr Lewis Sinclair McGillOFFICERMr Maurice Victor BlankOFFICERMr Miller Roy McLeanOFFICERMr Norman QuickOFFICERMr Peter Edward Gerald BalfourOFFICERMr Peter John WoodOFFICERMr Robert Grieve DuthieOFFICERMr Robert Mitchell MaidenOFFICERMr Sidney ProcterOFFICERMr W R E ThomsonOFFICERMr William Robert McKimOFFICERMr William Ronald Erskine ThomsonOFFICERMr. Kennedy Campbell FosterOFFICERMs Eileen Alison MacKayOFFICERNorman Cardie McLuskieOFFICERPenelope Lesley HughesDIRECTORPeter Denis SutherlandOFFICERPeter Dennis SutherlandOFFICERPhilip Gordon ScottDirectorPhilip Roy Hampton Professor Derek French ChannonOFFICERRobert Avisson ScottOFFICERRobert SpeirsOFFICERRt Hon Earl Of AirlieOFFICERSir Adam ThomsonOFFICERSir Angus GrossartOFFICERSir Austin William PearceOFFICERSir George Ross MathewsonOFFICERSir Maxwell Harper GowOFFICERSir Michael Alexander Robert YoungOFFICERSir Michael Young-HerriesOFFICERSir Robert Grieve DuthieOFFICERSir Thomas Fulton Wilson McKillopOFFICERStephen Alan Michael HesterDirectorStephen Arthur RobsonOFFICERThe Rt Hon Earl of AirlieOFFICERThe Rt Hon Lord ThomsonOFFICERThe Rt Hon The Earl Of AirlieOFFICERThe Rt Hon. Lord Younger of PrestwickOFFICERThe Rt. Hon. Viscount Younger of LeckieOFFICERWilliam Michael FriedrichDirectorWilliam Moore WilsonOFFICER

 

Nature of Business:

 

Banking services

 

Current Address(es):

 

Address TypeAddressCorrespondenceRBS Gogarburn, PO Box 1000,, Group Secretariat, , House G, EDINBURGH, EH12 1HQ, United KingdomPrincipal Place Of Business36, St Andrew Square, Edinburgh, EH2 2YB, ScotlandRegistered Office36, St Andrew Square, Edinburgh, EH2 2YB

 

Historic Address(es):

 

Address TypeAddressCorrespondence2ND fLOOR bUSINESS hOUSE f, Gogarburn Po Box 1000, eDINBURN, EH12 1HQCorrespondence42, St Andrew Square, Edinburgh, EH2 2YECorrespondence42, St. Andrews Square, Edinburgh, EH2 2YECorrespondenceGroup Secretariat, 2nd Floor, House F, RBS Gogarburn PO Box 1000, Edinburgh, EH12 1HQCorrespondencePO Box 1000, 2nd Floor, House F, EDINBURGH, ScOTLAND, EH12 1HQ, United KingdomCorrespondencePO Box 1000, EDINBURGH, EH12 1HQ, United KingdomCorrespondencePO Box 1000, Group Secretariat,House G, EDINBURGH, EH12 1HQ, United KingdomCorrespondenceRBS Gogarburn, Group Secretariat, EDINBURGH, EH12 1HQ, United KingdomPrincipal Place Of Business36, St Andrew Square, Edinburgh, EH2 2YBPrincipal Place Of Business36, St Andrew Square, EDINBURGH, EH2 2YB, United KingdomPrincipal Place Of Business36, St andrew Square, EDINBURGH, EH2 2YE, United KingdomPrincipal Place Of Business36, St Andrew Square, EDINBURGH, Scotland, EH2 2YB, United KingdomPrincipal Place Of Business36, St Andrews, EDINBURGH, EH2 2YB, United KingdomPrincipal Place Of Business42, St Andrew Square, Edinburgh, EH2 2YEPrincipal Place Of BusinessPO Box 51, EDINBURGH, EH2 2YB, United KingdomPrincipal Place Of BusinessPO Box 51, sT ANDREW SQUARE, EDINBURGH, SCOTLAND, EH2 2YB, United Kingdom

 

 

In response to their request for a signautre, then this might be a good letter to send (recorded) - http://www.consumeractiongroup.co.uk/forum/content.php?433-Debt-Letter-When-company-refuse-CCA-due-to-no-signature

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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update. i have today recieved a letter from lombard headed notice of termination.

 

it says my agreement has been terminated and they may take legal action against me to recover all monies.

they may notify credit reference agancies about my status.

 

please call us urgently to pay the full balance and avoid any further action being taken against me.

 

i dont think they have recieved my latest letters i sent.

 

which template letter should i now send if any? or what action should i now take.

 

many thanks!

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Ignore them, it is a standard letter template they have to send out informing you of their position.

Did they send you a default notice prior to terminating the account?

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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Another snippet I saved...

 

The Termination is key, because it means they cannot then fix the defective Default Notice, as by then there is no longer a live Agreement capable of having a Default Notice issued upon it.

 

Termination just means the ending of the Agreement, so can take a variety of forms. ???????? will probably send a letter, assuming they have not done so already (search your home for that letter if you think they have already sent it), and the letter will say the Agreement is cancelled.

 

Cancel/Terminate/End...all mean the same thing.

 

Likewise, they can also Terminate by doing something that is not in keeping with there being a live Agreement. For example, if you had a Balance of £10k and had £500 of Arrears, then if they demand the full £10k Balance rather than just Arrears, then that is Termination. It is a clear signal that they regard the Agreement has ended, because the demand for the whole Balance shows they no longer regard you as having the Agreement benefit of being able to pay off the Balance stretching out into the future.

 

This is important because s87/88 of The Consumer Credit Act 1974 sets out what a Creditor must do if they wish to Terminate a Regulated Agreement when the Consumer is in default of that Agreement (i.e. in Arrears or has done, or not done something the Agreement required).

 

Read s87 and s88, and you will see what a Default Notice means, and why a Creditor must have a valid one before Termination if they wish to enjoy the benefits of s87...those being the right to take the next step, Terminate and/or demand early repayment of a sum only otherwise due in the future.

 

If they fail to do the Default Notice and Termination stages correctly, then they blow their right to enjoy s87. That then limits them to claiming only what was actually due before Termination, such as the Arrears. Even then, the Arrears are only due if they have an original properly executed Regulated Credit Agreement. No Agreement, then even the Arrears cannot be claimed.

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had a look and they did end me a default notcie.

 

i dont think they have recieved my 2nd cca request letter, the template one i got off this site.

 

i suppose i will wait for their next letter, as i dont really know what to do next?

 

thanks for all the help again.

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Ok, don't continue sending them CCA requests, ONE is ALL that is required, if they failed to respond to the first, then the only correspondence they should get is 'account in dispute' FAILED!

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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update.

 

lombard have replied with a short letter stating that 'all letter requesting subject access need to be signed by your usual signiture''

'upon reciept of the fee we will be happy to provide you with the relevant information'

 

seems not to be a template letter, as the english isnt great.

 

its hand signed by the; debt management and fraud relations person.

 

they are really not complying. any ideas of what my next move should be?

 

many thanks.

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