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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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Really confused over reclaiming PPI


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Help required as I am so confused!!!

Took out a loan in November 2001 with Egg for £15000 and started 60 monthly payments on 12th December of £380.30

(due to moving house)

I had been employed with an NHS trust since 1987 and received 12 months benefits package but was made to take PPI as they said I could not have the loan without it.

 

Little extra cash on moving and paid off £14000 to loan on 15th February 2002 which egg recalculated and continued the £380.30 monthly payments but bought the completion date forward to January 2003 instead of 2006.

Restructured this loan to pay off remaining balance of £807.57 on 15th March 2002 for a 12 month period

 

So basically this loan was paid off in 16 months all told. I had paid the full amount of PPI which they never cancelled or gave me a rebate.

I have put a claim into egg on 23rd May but even then did not understand what I needed to do properly.

Please please help...

What should I be claiming? Do I likely have a case? how do I work any amount I am owed with the length of time and restructuring.

Thank you guys in anticipation of some help

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yes you have a good claim

and appear to have all the paperwork too.

 

have a read of no.1. below

 

should become clearer.

 

shout if you need anything further

 

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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I will find someone who can explain what you need to do :)

 

No I wont, cos he already found you :lol:

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

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

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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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I can't offer any advise myself. But just wanted to assure you that you've come to the right place.

 

Some fantastic folk here who will talk you through it all.

 

I've been assisted here with 2 separate (successful) PPI reclaims and still receiving further assistance with a CC charges reclaim.

 

I too was overwhelmed by it all and didn't know where to start.

 

You'll get the advise you need here which will hopefully lead to the money you're owed being repaid

 

Regards

 

BM

It never rains but it pours...

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I have had a response back from Egg and an offer for £6000 made...with the help of the site I think this is reasonable.

 

I appreciate all the help and advice that can be found on the site from everyone.

 

Will wait now for Lloyd s and Alliance and Leicester claims to answer now

 

Lloyd s have already tried to deny I had PPI on 2 of my accounts despite them already confirming that I did have it and having paperwork

Thank you

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