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    • https://www.bindmans.com/news/neale-v-dpp-the-right-to-silence-citizens-duties-and-coronavirus-regulations   Perhaps the OP should have said nothing - and risked arrest!   "Firstly, the case calls into question the logic behind aspects of the criminal justice response to the public health crisis created by the Coronavirus pandemic...   "Secondly, it is clear that some police officers have misunderstood and misstated their powers, and citizens’ obligations, under the Regulations and at common law...   "Thirdly, the case confirms reasonable excuses for being outside are not limited to those explicitly set out in the Regulations. Police officers considering whether there are reasonable grounds for believing that an offence has been committed under the Regulations so that an FPN may be issued, or the reasonable grounds for suspicion that are necessary for an arrest, should give proper consideration to any explanation given by members of the public (and what a court might think of them) rather than only recognising those exceptions explicitly listed in the Regulations and/or government guidance...   Fourthly, the case is an example of a failure of the CPS review into prosecutions brought under Coronavirus Regulations, which has found that alarming numbers of cases were wrongly charged..."   Above quotes from the Bindman's article, not the decision.  Case arose from the first lockdown and was in Wales.  Same now?  Also was about not being at home - not mask wearing.    
    • No the first LBA was delivered by royal mail, but I responded by email, sorry if I didn't make that clear.   I look at redacting the emails tomorrow, got to get some sleep now.   Thanks
    • ok well that changes things alot. you've accepted one before by email  and now they are doing it again ..   might have shot yourself in the foot until now lets get some 1st aid done.   gonna be a pain to redact but i'm gonna need to see all the emails in/out please in ONE MULTIPAGE PDF from/inc  date of their last PAPLOC   redact them properly !! read our upload guide carefully   you may  think this is immaterial, but its not, esp important is their and your exact wording
    • OK I've looked back at my emails and it appears I've been dealing with shoosmiths since the start of 2019 when they sent a LBA that I'd totally forgot about.   I replied that I didn't recognise the debt and we got into a big letter tennis over the facts.   They then went quiet and then contacted me again in April 2020 asking for income and expenditure details to work out a payment plan with them.   After I responded with my covid comments they went quiet again.   And now they are back with another LBA and I haven't responded to that.   Hope that clears it up. 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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Make sure you add an entertainment socialising part to that I&E. You are normally allowed up to 1/3 the remaining amount left over after essentials.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Make sure you add an entertainment socialising part to that I&E. You are normally allowed up to 1/3 the remaining amount left over after essentials.


As I've said I plan to pay off pld before tackling all my debts so my current expenses/leftover money will be more than what SOA states.


Sent that to TLS, and they accepted my own proposal for repayment.



Still not heard from 24/7 moneybox.


What do I do?

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Lenders are encouraged to take on board debtors circumstances (which includes debtors becoming over committed to credit, reduction of hours at work, unforeseen financial problems). Personally, as long as you offer them a repayment plan then there really is no reason they can decline or refuse this. Furthermore, you're the one who's in control (not them), so only offer them what you can afford, and that's all they will get. Let them drag their heels in the mud if they want to, but at least you're acknowledging that you can't afford to pay.


Can you not find a postal address for 24/7 moneybox? Perhaps send them a very basic income and expenditure sheet, and your repayment plan proposals in a letter asking them to freeze all interest and charges.

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Excellent news on the wages front, good result with TLS too


24/7 Moneybox not replying is not a problem, now you have worked out what you can pay them just send a couple of e-mails a week telling them what your repayment plan is, don't send the I&E, wait to see what their reply is





"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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Just two points and sorry for butting in when you are doing so well


I thought 247moneybox were actually active securities


second point is, IMHO your statement of affairs is far too intrusive and gives out far too much info. I did notice that you put 0 for water....is that in your rent?

I don't believe that you need to give so much detail and have found the following very good


http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp as it includes trigger figures that set alarm bells ringing. Now obviously i can not tell you to lie, but for example you TV package is quite high but does some of that pay for a landline, if so split the expenditure otherwise they may say ..cancel your sky. I don't feel they need to know you have a car or the value of it.


According to that you have about £50 per month left , well if you then offer say £50 to each they will assume you have lied on your form and try for more

Any opinion I give is from personal experience .

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they are "active securities" but the only place you tend to see that is when they put a default on your credit file :(


I emailed active securities, forwarded all my own correspondence...24/7 moneybox finally replied.... 2+2=4??


Anyway, their reply....

Hi ,




Thanks for your email. Please find attached an Income and Expenditure form. You may wish to complete and return this in order for us to better understand your financial situation.








In the interim, we have exercised forbearance by suspending collections activity on your account and have frozen fees and interest for the next 7 days – please do get back in contact within this time period to discuss your account or return a completed I & E form. If you have any further queries feel free to contact us on 0207 183 8078.



Go forth like I done with TLS? Or give I/E?

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I love the bit about they are exercising forbearance , lifted straight from the OFT guidelines. They probably don't even know what the word means :lol:


I am not quite sure what you are asking, is it do their I&E or send in the comprehensive S.O.A.


personally i would do a very simple I&E that is



Excess to repay debt=

creditor A value offer

Creditor B value offer



Don't name the creditors


I am always wary of I&Es in that many of us underestimate our real expenses . My Dad used to incllude a 10% contingency (or as he called it a "bugger it factor") in just about everything


Hope that helps

Any opinion I give is from personal experience .

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The other alternative would be to get a pre-paid credit card, some of them allow you to have your wages paid onto them, although there is usually a small monthly fee (around £5 I think)

247moneybox: £418.04

1monthloan: £260

WageDayAdvance: £462

MicroCredit: £156

Amigo: £427.44

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