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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   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,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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M&S, changed from Storecard to Creditcard .


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Hi PPC, last fishing trip from a DCA was May, just ignored them, they just hope people will feel threatened and scared and pay up to get them to go away.

 

The Santander case wont even be on their agenda unless we raise the question.

Don\'t let the B**tards grind you down

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  • 10 months later...
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Well a letter from Lowells dropped through my door this morning in reply to my original letter to them, apologising for the delay (12 months!)

 

Surprisingly they attached letters from the FOS that were sent to me, I believed in confidence.

 

Surely this is a breach of the information act by the FOS, or am I wrong?

Don\'t let the B**tards grind you down

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The letter from the FOS to me was sent to M&S for their files, basically said FOS was sitting on the fence regarding enforceable agreement and they (M&S) should go to court for a decision, which of course they didn't.

 

Debt drops off CRA file November this year, will just have to string them along till then.

Don\'t let the B**tards grind you down

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I have some markers on my Credit file that are due to be "extinguished" within the next 6 months, just need some advice and confirmation:-

 

1. In Scotland the debts are Statute Barred after 5 years?

 

2. Is it from date of last payment or default date?

 

3. Will it happen automatically or do I have to write to each of the Credit Reference Agencies, or do I write to the Data Controller of the company involved?

 

Any help would be appreciated.

Don\'t let the B**tards grind you down

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1. yes

 

2. last in/out or written and sign ack of the debt.

 

3 no.

 

just because you are in Scotland

 

doesn't mean SB=removal from cra files.

 

there is no link between SB date and default date.

 

a cra account will stay there for 6yrs from the date of the defaultor

the date of last transaction/ack.

then in will vanish

 

whichever is the sooner.

 

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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argue...

 

its for THEM to prove its NOT SB'd

 

not for you to prove IT IS.

 

DCA's often use the ruse of its on your cra file to legitimise their fleecing tactics.

 

again, SB date has NOTHING to do with any default dates on your CRA file.

 

now

 

what is this all about

 

how many debts?

 

have you fired off any CCa request to the fleecers?

 

if the debt IS SB'd

then no paperwork will be availiable,,,no debt exists.

 

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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Main one through M&S, changed from Storecard to Creditcard automatically, have argued all points, now in hands of lowells, who I am fobbing off just now.

 

Have looked at CRA file and Lowells own the debt, default date of 02/08/2009 but last payment made 05/11/2008.

Don\'t let the B**tards grind you down

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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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as post 2 then..

 

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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Agree with DX the debt will not fall off your CF til 6 years from default date

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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Only problem is that there is 9 months difference between the last payment date and the default date, can I challenge the CRA regarding this?

Don\'t let the B**tards grind you down

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then you need to challenge the OC

 

however I think the whole account should be totally removed if post 6 applies.

 

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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The last payment does not equal thedefault date and you need to go into default AFTER the last payment.

 

Approx 6 months is a reasonable time after the last payment for a company to default you so I would say it is correct.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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  • 4 weeks later...

Getting totally fed up with Lowlifes, letters arriving weekly now, just ignoring them, you would think the difference between Storecard and Mastercard would give them a clue.

Don\'t let the B**tards grind you down

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Well I don't know what it was that I said in my letter to Lowell, but M&S agreed to take it back from them. M&S then proceeded to write me a long letter stating all the same stuff they had said previously, prior to us reaching stalemate and them deciding to sell it to Lowell in the first place!

 

As you say, it is interesting to observe M&S's reluctance to go to court on the matter.

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  • 4 months later...
Well letter from lowells this weekend saying they are going to send someone round, no you ain't.

 

How can they if this is now back with M&S ?

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  • 1 month later...

Excellent news :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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