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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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Claiming after account is closed


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I am thinking of claiming against Abbey for £170 of bank charges (for being overdrawn for 6 days) and I have read the advice that suggests opening a new account before you start in case your old one gets closed. I am thinking of closing the account anyway so that all of my direct debits can be transferred before I approach Abbey for a refund.

 

Have people found it more difficult to claim against a bank that they are no longer a customer of? Would I be better off claiming first, or does it really make no difference?

 

Any advice would be much appreciated as I'm new to this.

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ALl the accounts im claiming against are closed, i dont think it makes any difference.

 

JMHO

 

Glenn

 

PS welcome to the board

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I am interested in this too. The HSBC account in question was closed by them & the outstanding balance sold to a collection agency.

 

We are currently in a dept plan with payplan, and as HSBC was our current account at the time we defected leaving our overdraft behind which is now in the plan and we are paying teh collection agency through payplan.

 

Would they pay us even though we did owe them money? all outstanding has been sold on. The account was closed by them 18 months ago.

 

Thanks

Snowwy

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Snowwy

 

The point is if they have applied charges to your account they owe you the money back, in effect they have unlawfully taken money from your account.

 

So i am not sure what payplans view will be, i used them but didnt know about these charges until i settled my debts.

 

But if the creditors owe you money then you should pursue it to redcue your debt. Even if you dont end up with cash in your hand you will potentially reduce the total you owe or the period over which you have to pay.

 

Im not sure if anyone else here has claimed while in a debt management plan i would do a search for payplan, cccs and also wait and see if anyone else turns up with information.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Ahha! The very same question as i was about to post.

Hi all, my first post and i wanted to know whether anyone had claimed money back from a closed bank account. I have just recently left my barclays account and closed it down. Ive had this account since i was a student and it has seen a fair amount of charges! Im about to fill out the initial form which will give me the total amount taken form me as i really have no idea!

Im already with another bank now so i suppose i cant threaten them with losing my custom anymore! Wish id found this site a few weeks back while it ws still open.

Nadia.

 

 

------------------------------------------------

Barclays Current Account - S.A.R 22/09/06 - Prelim sent 23/10/06 - part pay accepted - sent LBA 16/11/06 - Payment out of court March 07. Hooray!

Capital One Credit Card - Sent S.A.R 22/09/06 - statements recived 30/10/06 - Settled Dec 06.

Egg Credit Card - Sent S.A.R 22/09/06 - statements recieved 30/10/06- about to send prelim

Barclaycard - S.A.R 22/09/06 - Microfishe letter - non com. 29/09/06. - wont comply letter - 16/10/06 16 days left- getting nowhere letter back! 16/11/06 Information Commissioners Office compaint - 18/12/06-Statments sent - prelim going out 24/5/07.

Virgin/MBNA - S.A.R 22/09/06 - part pay accepted - settled.

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Snowwy

 

The point is if they have applied charges to your account they owe you the money back, in effect they have unlawfully taken money from your account.

 

So i am not sure what payplans view will be, i used them but didnt know about these charges until i settled my debts.

 

But if the creditors owe you money then you should pursue it to redcue your debt. Even if you dont end up with cash in your hand you will potentially reduce the total you owe or the period over which you have to pay.

 

Im not sure if anyone else here has claimed while in a debt management plan i would do a search for payplan, cccs and also wait and see if anyone else turns up with information.

 

 

 

Glenn

 

I'm with the CCCS or consumer credit councolor service and Citicard have sold their debt onto Cabosh finance. I'mgoing after the Citicard and as i understand it as they have sold the debt on then they will need to send me a cheque.

 

On the other hand, my other debtors....up to 15 of them will probably put the money straight into my account therefore reducing the debt I owe. having said that it has been said on this site that you can demand the money back in any form you like, i.e. cheque or credit to your debt account.

 

HTH

 

Alan

Request for repayment letter sent on 24 / 08/ 2006 giving 14 days to reply.

 

S.A.R. issued to:

Citibank international 07/09/2006

 

Creation Finance 07/09/2006 letter signed for 8/9/06

 

Nat West Bank 07/09/2006 letter signed for 8/9/06

 

Mint 07/09/2006 letter signed for 8/9/06

 

Sainsbury's 07/09/2006 letter signed for 8/9/06

 

Northern Rock 07/09/2006 letter signed for 8/9/06

 

Nationwide

S.A.R SENT

07/09/2006

letter signed for 8/9/06

letter offering £120 in charges refund 12/09/06

Statements arrived all bound in a folder 16/09/2006

nationwide 07/09/2006 letter signed for 8/9/06

 

Halifax 07/09/2006 letter signed for 8/9/06

MBNA request for repayment letter sent 07/09/2006 letter signed for 8/9/06

 

 

DONATE TO KEEP THE SITE OPEN PLEASE

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Alan

 

If you are in a debt management plan or iva i believe that if you recover money you are obliged to distribute it pro rata amongst your creditors.

 

So i think that it is right to insist that any creditors who may be sued are forced to send you the money for this purpose.

 

If you havent i would run the idea past your debt councillor or insolvency practitioner.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi glen that goes without saying really. It would be nice to have a cheque to spend but as I said the citicard account is closed so they can't refund the charges to my account / debt. Having said that and with a long way to go to pay off he debts every little helps. I don't know wether i would be happy with a pro rata to everyone because some of my creditors have been right twats and for me i'd rather give it to the ones who have helped me rather than those who have had me on the brink of suicide......

 

 

Alan:-|

Request for repayment letter sent on 24 / 08/ 2006 giving 14 days to reply.

 

S.A.R. issued to:

Citibank international 07/09/2006

 

Creation Finance 07/09/2006 letter signed for 8/9/06

 

Nat West Bank 07/09/2006 letter signed for 8/9/06

 

Mint 07/09/2006 letter signed for 8/9/06

 

Sainsbury's 07/09/2006 letter signed for 8/9/06

 

Northern Rock 07/09/2006 letter signed for 8/9/06

 

Nationwide

S.A.R SENT

07/09/2006

letter signed for 8/9/06

letter offering £120 in charges refund 12/09/06

Statements arrived all bound in a folder 16/09/2006

nationwide 07/09/2006 letter signed for 8/9/06

 

Halifax 07/09/2006 letter signed for 8/9/06

MBNA request for repayment letter sent 07/09/2006 letter signed for 8/9/06

 

 

DONATE TO KEEP THE SITE OPEN PLEASE

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