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    • pop up on the MCOL website detailed on the claimform. .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked.  click thru to the end  confirm and exit MCOL.  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   ……………...   lots of vcs berekeley claimform threads here use our search top right.   get reading up.    
    • Yes, The Motor Ombudsman. To be honest, I don't know a huge amount about how exactly they operate. It was just the route I was recommended. I've been in touch with one of their board of directors to get more answers about my case, and it was exactly what I'd feared, so am trying to investigate as much as possible myself to find out exactly who can be held financially accountable to either provide them with those details and/or know who to take to court.   Whole story is quite long, but essentially I purchased the vehicle back in January 2018. Within a week faults became apparent - faults that they knew about but said it was just a 'dash light malfunction' and it would be fixed before they handed it over.   Took it back to them to fix once I realised I couldn't drive it in that condition. They had it for a week or two despite calling me a couple times to say it was ready to pick up. Finally got it back and had the same gearbox issues but even worse. Took the car to another garage who estimated damages to be £2500+, so took the car back and requested refund. That kicked off the whole process and of course they denied refund saying I should go through their 'warranty program', which wouldn't cover it all anyways.    I then took it to TMO, who then decided I needed to get another opinion so we went straight to a VW specialist as the car was VW - they estimated min £3000. Resubmitted that to TMO and it's been ongoing.    Received a final decision on 01 Feb 2019 in my favour granting full refund, but I have had no contact or update since then, despite attempting to call and email numerous times.   I've brought my case to the attention of two MPs, however imagine they are extremely busy at the moment given the current climate.   I have then called Citizen's Advice to find out what further steps I can take, and they've recommended small claims court.   I wanted to get all the information from TMO first before I consider/start going down this route so I've reached out via LinkedIn to some of the board of directors for TMO which has been successful and I've actually received an update, although it's what I feared and expected. That said, he assured me they would be meeting about it today to investigate further who can be held accountable/whether they're still trading, etc. I can't trust a speedy investigation given it's been 28 months already so I'm now trying to look into it to find more information.   I gather the parent and registered company is under Crown Motors Direct Limited, which might be owned by Ahmed Al-Waheeb and/or Nadjeem Kheloufi. They do still look to be actively trading locally under Chobham Central Garage. I've been in touch enquiring about a car and asked for Nadjeem, who they said I must mean 'Nathan'.    On companycheck it reckons the below, this is the company linked to director Ahmed Al-Waheeb. Not sure how reliable that information is.   Another interesting link is https://beta.companieshouse.gov.uk/company/09967993/filing-history - confirmation statement was made on 31 Jan 2020, and 17 Jan director Ahmed changed his DOB and address.
    • Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan. Much happened at this time and I ended up moving a lot as well as being technically homeless.   I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.   My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!   I DSAR'd Egg back in 2011 and have the information in the attached PDF. According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr. The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43   Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!   Opinions and advice very welcome!   PDF Doc via Google Drive https://drive.google.com/file/d/1b39Rq3YZm7CdXDl8p_tITqf5aR5fckVp/view?usp=sharing        
    • agreed, you need a wills and probate experienced lawyer, don't try and do it using a self serve will kit, they're not much use at all.
    • When you say TMO, I suppose that you are referring to The Motoring Ombudsman. I don't know very much about them and I don't know whether their decisions can be enforced directly in the County Court. I will have a look. Meanwhile, please can you tell us the whole story of what has happened and the value of this problem. Even with small claims – you can win but you can still have difficulty enforcing the judgement and that could well be the case here. Do they have a premises? Do they have vehicles there? I'm asking this question is because I'm trying to find out if they have assets against which a judgement could be enforced – and I mean assets which wouldn't simply disappear
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sniper101

Caught using sister's discounted oyster card

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Help Please,

 

Was caught on 3rd of October with my sister in law discounted oyster card , at the time i didn't know it was discounted card. she wasn't using it anymore cause they issued her freedom bus pass.

The day i borrowed the card, i couldn't find my card which is discounted as well from the job center so i had to borrow. when i explained to the inspector he didn't believe me and took my details anyway. 4 weeks later i received a letter to explain what happen and replied with sincere apology followed the explanation and told them that am unemployed. Today i received a letter to appear in court 2 months from today.

 

I have 3 options

 

1.Guilty - Don't attend the court

2. Guilty - Attend the court

3. Not Guilty - Intend to call witness

 

What should i do? Do i need legal representation?

Will i get criminal record for this?

Do i call tfl or write to them to settle the case?

 

Any advice and information is appreciated.

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Hi sniper101

 

Welcome to CAG

 

Firstly calm down. Even though you have your own discounted card, it doesn't entitle you to use your sisters card. You could get a Criminal Record but at the moment you need to try and get an out of court settlement. You need to write to TFL again.

 

How many times did you use your sisters discounted card? You don't need legal representation at the moment.

 

Also you need go to your local underground station and obtain a print out of your travel history. You need that to prove that you have a history of payment to TFL and this is an isolated incident. This is very important.

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Hi sniper101

 

Welcome to CAG

 

Firstly calm down. Even though you have your own discounted card, it doesn't entitle you to use your sisters card. You could get a Criminal Record but at the moment you need to try and get an out of court settlement. You need to write to TFL again.

 

How many times did you use your sisters discounted card? You don't need legal representation at the moment.

 

Also you need go to your local station and obtain a print out of your travel history. You need that to prove that you have a histroy of payment to TFL and this is an isolated incident. This is very important.

 

Use it once. unlucky i guess

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Also very important, can you get your Oyster Card (Discounted) transport history with payments?

 

This again is very important.

Use it once. unlucky i guess

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Also very important, can you get your Oyster Card (Discounted) transport history with payments?

 

This again is very important.

 

That won't be hard to get. Thanks for the advice

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Get hold of that, then we can advise you on writing a letter with your mitigating circumstances.

 

That won't be hard to get. Thanks for the advice

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Get hold of that, then we can advise you on writing a letter with your mitigating circumstances.

 

I got the history of my oyster card printed out...also have few receipts.

Any ideas on mitigating circumstances for tfl or the court?

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Hi sniper101

 

You can now consider writing to the company as you have the reference number, in your letter quote the Ref Number on the letter. An example of a letter can be found in post no.18 in the link below. Amend it accordingly so you quote the correct railway regulation in the letter and that applies to your case, that will be stated in the letter you received from TFL. Don't copy the letter.link3.gifYour letter needs to have more substance and be personalized to your particular case. Convey that you regret your actions and are apologetic as you do in your initial post. Also send photocopies of your previous season ticket purchases as proof that you pay and abide by railway regulations, this is very important. Also any other mitigating cirumstances, i.e. that you are unemployed. Post the letter up on this thread before you send it off for input.

 

Send it Recorded Delivery.

 

http://www.consumeractiongroup.c o.uk...ly-travel-card

 

 

I got the history of my oyster card printed out...also have few receipts.

Any ideas on mitigating circumstances for tfl or the court?

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