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    • like i said .. firstly once again although i would   drop those ..   you need to start the letter with an honest apology, dont waffle about what you've been like elsewhere in the world..not important.   is perfect>>>I feel extremely shameful of my very poor judgment in this matter. I take full responsibility of my action and accept that I was in wrong.   twist around your explanation to benefit your situation and more reflect the truth.   i came to the UK in september 2019 to study for xxxxx. Until the time of the incident my parents has been supporting me from abroad but in january this support stoppedas they hit hard times and my part time job was not enough to support me   i was very naive about you UK regulations    give am an hour i'll do it for you        
    • @honeybee13 @dx100uk this I what i have now.   Dear Sir, I write regarding the letter that I have received from you and concerning the occasion on when I was reported for travelling on your bus service on 17th January 2020 in Pembridge Road/ Kensington Park Road using another person not transferable zip card.   First of all I want to make my most sincere apologies for my action in this case. I have always been a respectful citizen in every country I have lived in until now and I feel extremely shameful of my very poor judgment in this matter. I take full responsibility of my action and accept that I was in wrong.   Like I have said to the Tfl police at the day of the accident I am an international student. When the event happened it was only four and half months that I was in England and foolishly I haven’t informed myself in regard of public transport regulation, like I did thoroughly after. However I want to clearly state this does not want to be an excuse for my offence, since I immediately understood how wrong I was, it only wants to be an explanation of my ignorance on the matter.   I found that studying in London is not easy at all emotionally and economically too. I have a part-time job to maintain myself since my parents, which live in my country of origin, can’t help me much. Being short of money and away from home tarnished my thoughts and it turned that I took some poor decisions like using someone else’s card that day. I came here with the hope of a better future for myself and I cannot believe that I have jeopardized my dream with my stupidity, thus a criminal conviction will lead to a severe penalty on my visa.   I am extremely sorry for what I have done and in a sign of my goodwill and that I have learned this important lesson I am attaching to this letter a pay as you go card and the statements of my bank card that I have used after and continue to use to pay for my journeys.   Once again I wish to apologize to Tfl service and every member that have been affected of my foolish actions and offer to make immediate payment of the unpaid fare and all the reasonable costs that my actions have caused.   Although I would understand if you want to go further in court with my case, I sincerely hope that you will accept my apologies and my offer to an out of court settlement.   I would appreciate your consideration and I sincerely hope that you can show some leniency in this matter.
    • Didn’t sign any agreement Lloyd’s just put it together. And it was just one single debt, I asked Lloyd’s for all the information they held about me and after they admitted that they had my date of birth changed that this would be updated on the system so I asked for my information two weeks ago and I got a letter telling me that they couldn’t Identify me. I have the email of Fos still yes.  
    • Can you post up the current version of what you plan to send please, once you've made the amendments dx suggested and added the paragraph you mentioned above?   HB
    • @honeybee13I understand. should I cut any paragraph?
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hesanmp

Complicated LLoyds bank debt - now issued repo proceedings on last asset

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Is the loan secured or unsecured?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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secured. loan dates back to 2007. no payment made for years. misrepresentation re bank valuation instructions to surveyor, signing blank mortgage documents...the list goes on

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numerous threads on same issues merged for history

of advise already given

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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situation is as follows:

 

been with lloyds since 1993.

 

started developing property. 

 

gave security.

 

bank gave me loans based on security value.

 

transpires bank manager gave false information to their panel valuer.

 

valuer agreed value of security as required by bank to advance monies.

 

valuer knew valuation was for loan.

 

main security was repossessed and sold at almost 50% of valuation.

 

bank is now trying to repossess my last asset which potentially has 30k surplus.

 

bank debt is over 200k

 

my question is why didn't bank simply recover all of its losses from the valuer if his valuation was so wrong?

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old and new threads merged for complete history

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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matter has just escalated as lloyds has issued proceedings for repossession!!!

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moved to the repo forum.

 

so, its difficult to understand as so many threads over the years have been started about this, them get merged, then the story/progress dies and you just start another thread, as you have today....

 

so your current asset they have issued repo papers on...was this used as security for the original loan ??


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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at the time of the new loan in 2007 the bank already had security over the current asset, given in 2005. when the new loan was given in 2007 it was solely based on , and conditional of the old asset being valued at 750k

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