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    • Hi,  Here's my draft and please feel free to give me suggestion: ========== Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences.     I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name -----------------------------  
    • My wife dropped my daughter off at a kids party space on a trading estate and didn't think to look for signs as she parked outside the establishment. We got a £60 (reduced early payment) fine. Although now the signs are to be seen its a lot of money is this something we must now pay? Attached is the notice and the signs. Looks obvious now but when you are driving to a party warehouse on a trading estate and looking for the place itself its easy to miss this and especially when it seems logical to park there and walk in. My wife was there for 30 minutes. Thanks in advance Sam          A4.pdf
    • That's such a perverse judgment its almost unbelievable Looks like totally ignored everything and just gave judgement on something that's not compulsory as in name a driver or appeal did judge confuse having to name a driver in a motoring offence case like speeding with the civil?
    • The OH had letter from Resolvecall regarding a very old LTSB debt at the start of the month. Knowing it was SB, I sent off the SB letter to Intrum who owns the debt. They responded to the OH last week when I was away. They basically said speak to Resolvecall and the standard letter, we'll pop to your house malarkey.... Just ignore as Intrum own the debt and from the looks of it have ignored the SB letter? The OH gets twitchy with these things, thanks PM.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello, do I have any kind of case here?


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Firstly, hello everyone, this is my first post, so here's the obligatory greeting.

 

My case is as follows:

 

About two years ago I moved in with my girlfriend and we set up a joint bank account to pay our bills from. We set this up with HSBC, who my girlfriend was already with. As a matter of convenience I changed over to HSBS at the same time and signed up for a current account and a credit card. This was all fine up until a few months ago.

 

The issue relates to the joint account and my credit card. We elected not to have an overdraft at all on the joint card as our bills are pretty fixed and we were putting more than enough money in to cover the bills and make some savings. The problem is that there was an administrative error when setting up the direct debit to my credit card and it was set to take the payments from the joint account rather than my current account.

 

As a result of this, our account went overdrawn and we were fined £100 for this. Over the last 2 years, this has continued and as we get more overdrawn, the fines have got bigger. The biggest problem is that we were not notified of this until we were overdrawn by £400, having been fined over £1500.

 

I have already been to the bank and spoken to them about it, but they claim that it is my fault for not checking the statements carefully enough. The real dispute is the administrative error itself. I am absolutely adamant that I did not sign any paperwork to tranfer money from the joint account and this is where the dispute lies.

 

What does everyone think?

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

 

It looks like you've got every right to reclaim these charges, with or without their error. The fact that they did make the error just reinforces your claim. Go for it!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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