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    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
    • FTMDave - your cold light of day suspicions are correct, alas. Just had this back... Thank you for your email. I was very sorry to learn that you recently received a parking charge notice after shopping at our Kearsley Manchester Rd Express store. I appreciate this is always frustrating, especially as you'd just nipped in for the one item. I've had a look, and I can confirm that in this case the car park at this store is entirely owned by a third party - it is not owned or operated by Tesco in any way. The parking charge issued is on behalf of that third party, although I appreciate it does state Tesco on the letter. Regrettably as the car park is owned and operated by a separate company we don't have any form of influence or control over the parking charges issued. In this case, I can only recommend that you follow the appeals process outlined on the letter directly to take the matter up with UKPPO directly. I'm sorry that I cannot offer further help in this case.  Please do not hesitate to contact me again should you require anything further.  Kind regards Ewan Kelly Customer Service Specialist On behalf of the Chief Executive’s Office
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Very and isme


tricia44
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cetainly the loans and credit cards yes i bet lots of £12 charges!!

 

as for the bank accounts

 

if there are any BCOBS would be the route

 

lots of info below in my links

 

dx

 

 

thanks for the info,

 

I think my next move will be the SAR to nat west credit card, isme and very,

 

then I will look into the BCOBS,

 

many thanks for your help,

 

one more thing

 

can I offer the TSB less than im struggling to pay at the moment

 

( I thought the banks would have come under prioritys )

 

sorry for all the questions.

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you can treat all you debts basically the same

 

 

the cat debts even less so.

 

write them

 

tell them they will be getting £xx for XX mts

 

as a gesture of GOODWILL

 

as a reciprocal gesture of goodwill

 

you require them to freeze any int

and refrain from levyign any PENALTY charges

 

should you fail to help me

 

i will have NO alternative than to reduce my goodwill payment to £XX

 

loans/cards £20-£30 PCN cat debts

 

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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Hi I have started the process of reducing my payments from £ 50 pcm to £25 pcm and following a couple of emails requesting me to ring them, I have received the following

 

 

Thank you for your recent offer of payments on your Shop Direct accounts.

 

I am pleased to inform you, your offer of £25.00 each month to both of your accounts has been accepted for an initial period of three months.

 

During this time we would appreciate if you could provide some supporting documentation in regards to your current circumstances. This will allow us to assist you in the best way possible and allow us to extend the arrangement for a longer term if you still require help after the initial three month period.

 

The first payments are to be received by 20th November 2012 and then subsequently by the 20th of each month for the length of the agreement.

 

In order to assist you with the running of your accounts, with effect from 2nd November 2012 we have suspended interest and late payment fees from being applied to your accounts.

 

Please be aware that if you have purchased items on Buy Now Pay Later, any interest that has accrued in the payment free period prior to the suspension, will still be charged to your accounts (unless you pay the full purchase price by the relevant due date pursuant to the terms and conditions of your accounts).

 

Information regarding your accounts will continue to be passed to Credit Reference Agencies and no further orders will be accepted until your accounts have been brought up to date.

 

If you have any further queries or concerns do not hesitate to contact me on the above number.

 

What does supporting Documentation mean ? is it the I/E ? for which I believe via this site that I don't have to show ( although I am willing if need be)

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email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

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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Share on other sites

email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

dx

Thank you and many thanks to this site for the advice I have received, which has given me the strength to deal with the problems that have been drowning me.

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  • 3 months later...

Hi

Having had lots of advice regarding this, I am hoping for a bit more, I have received the following email and wondered exactly what to send as supporting documents, my situation has got worse ( see other post)

 

Thank you for recent payment on your Isme account.

 

Your account has been with the Specialist Support Team since 2.11.2012 during which time there has been no account interest or administration charges applied to the account. Unfortunately in order for us to continue assisting you with your account we do now require supporting documentation as to your current circumstances, as we have discussed with you previously. A pre paid envelope is enclosed for your convenience.

 

If you require any further information please call on 0844 822 4726 during the office hours shown above. If we do not hear from you within the next twenty eight days we will assume that you no longer require our assistance and that you are able to manage your finances and maintain payments in accordance with your account terms and conditions.

 

However, if you do still require any assistance, it is essential that you contact us, because in the event we do not hear from you, your account will be transferred back through our normal collections process where administration fees and interest may be applied

 

Information regarding your account will continue to be passed to Credit Reference Agencies and no further orders will be accepted until the account has been brought up to date.

 

Any help would graciously be received

Many Thanks

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Its ok no problem.

 

the advice by dx is in post #79 above i.e.

 

email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

dx

 

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  • 11 months later...

Hi any help would be greatly appreciated,

 

following advice from here,

 

I have a Payment plan with both of the above and have kept up to date,

 

I now have a letter asking for supporting documentation for my circumstances I'm not sure what this is ?

 

If I cant provide this the plan is canceled,

 

any ideas

Thank you in advance

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They want an Income and Expenditure Tricia to substantiate your payment plan.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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threads merged yet again

 

please keep to one thread for this debt.

 

the question has already been answered several times on what to do.

 

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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But refusing to supply at least a basic I&E will of course jeopardize your payment plan.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hi and thank you Andy, I stupidly received and answered a telephone call from Very, the supporting evidence they are after is a doctors letter !

Yet again dx100uk I apologise for merging threads I did look for previous threads but wasn't able to find them, maybe one day I will be more computer friendly and not cause such problems

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You now need a doctors letters to qualify for a payment plan? :!:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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