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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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ppi reclaim without account details


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No rollover to a new lender....that's why you claim the final ppi settlement figure with the original lender.

 

And the reason we are claiming as above is normal for mis sold ppi claims ?

 

Sorry...don't follow you....are you asking whether the reasons you have given are valid mis-selling reasons? If so have a look here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?61081-PPI-Some-Notes-for-Claimants..

 

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yes that's what I mean, I'll have a look at the link, was just slightly worried to make sure reason ok and it's not going to get kicked back from them, its a bit different to when we did bank charges :-)

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ok all done the ppi 8% interest comes to £1600 ish main total is £7500 !

 

I'll send it Monday once we get it sorted I'll sort donation to site thank you :-)

 

Next is Peugeot now this one is £500 ish ppi over the term but they paid the loan off early with another Peugeot loan with no ppi do I just do same workings, this ones easier as its just one loan the only thing they didn't send back was payment dates - I need those don't I ?

 

Many thanks

Amanda

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Same principle, yes.

 

ideally you need the payment dates but if you know when the agreement was taken out then you can make a good estimate that the first payment was one month after the agreement date and monthly thereafter. That would be good enough for your spreadsheet.

 

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  • 2 months later...

Hi we have had a reply back ! Kind of success, Tesco have made an offer, however alot less than we calculated, however we definitely want to avoid going to the omudsman

 

Attached the documents including their calculations - have a look see what you think :)

 

kind regards getting there !

Amanda

190812c.pdf

190812d.pdf

190812a.pdf

190812b.pdf

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OK had a look at them.

 

The premiums paid that they are offering are correct.

 

We said earlier on that you would need to take account of any PPI rebates that were made when each loan was settled. Did you ever ask them to provide the PPI rebate figures?

 

If we accept their rollover figures then their offer seems about right to me but to be 100% sure you would been those rebate figures.

 

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