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    • Hi,  It has been very stressful. I have just received a letter of 'Notice of Transfer of Proceedings' which states the case has been transferred to my local court and to await judge's directions. Is there still a possibility that it will not go to court? The other issue I now have is that I am moving abroad for work in the next few months and now might not actually be able to attend the court hearing!  I am not sure what the best course of action is now. I feel like after all this, the MET are going to win anyway! HELP! 
    • Thanks for jumping in Bazza.  I understand that some people would suggest this.  But no. The moot point is that there should not be any debt.  There shouldn't be any reason for me to be made B.  The lender / receiver are responsible for the property not selling in a timely manner.  Whoever heard of a (well-located nice) property not selling in >5y?    They have no reasons.   Disclosure has subsequently offered staggering evidence which corroborates lender bad behaviour, bribery, and collusion/ interference with the receiver.  I am holding them to account for this.  It is clear they don't want this evidence in the public domain - it will shred their reputation.   (One also has to understand that the ceo - with collusion and conflict of interest (using same lawyers as lender) and receiver - tried to get the property cheap for his own use) They now want to agree a settlement.  I have separately reported a lawyer for negligence to the LO and SRA. I want to report the receiver as soon as I understand how to.
    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
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Fair Evasion - Freedom Pass swap


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First of all, I feel so ashamed of what I have done,

I have developed a massive anxiety issue and am finding it hard to eat and sleep, let alone step foot on public transport.

Im absolutely terrified of what might happen so any help will be truly appreciated.

 

I graduated from University two years ago, although getting good grades I have struggled to find a job,

I'm in massive debt and am still stuck in my overdraft.

 

Despite this I plan on working and taking a masters so I can proceed with a career.

Im also doing fundraising for charity which I love, and need to travel to other countries to complete my sponsorship.

I know if I get a criminal conviction all this will end and my life will be over. Im so upset, please help me.

 

So ill start from the beginning.

 

My boyfriend has epilepsy and has a freedom pass which he never uses

 

I started to borrow it about 5 months ago, although I didnt quite realise how bad it would be if I got caught.

I also carried around a normal oyster card for the days when he would need it.

 

I entered the underground and swiped his pass,

when I got off the tube I was stopped by the officer,

when he asked to see my card I then gave him the normal oyster.

 

He said it was invalid, in minus credit and had not been used for several weeks.

He took my details, card, where I got on the tube, and asked how I got on.

I just said I walked through.

 

I couldn't even understand what he was saying and had a full blown panic attack.

I do suffer badly from asthma and did forget to take my medication in the morning

which led to me feeling light headed and short of breath which really didnt help.

 

I have now got a letter from TFL asking if I want to make any comment on the situation

and that I could be summoned to court and face a criminal record.

 

I have never done anything wrong in my entire life and always try to help others.

I don't believe how stupid I have been and it now looks like I have destroyed my life by doing what seemed like such a small thing!

 

Once again, Im so scared of what might happen and Im such an idiot! Please help me x

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so cutting through all the waffle

 

 

you've knowingly used a freedom pass not yours on numerous journeys for the last 5 months?

 

 

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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Sorry, I do tend to go on... Yeah I did,

and to top it off I gave a different oyster card to the officer.

 

Im such an idiot, please help.

 

What do you think will happen?

 

Im shaking just thinking about it x

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all might not be lost

 

 

did you at anytime give him the other card

or mention anything about it?

 

 

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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Share on other sites

naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

 

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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Share on other sites

Thank you so much DX!!!

I might be able to sleep now thanks to you!

 

 

I'll get drafting a (short) letter, would it be ok if I send it to you before I sent it?

 

Your hospitality has actually really inspired me,

before I never thought these type of forums existed, or would provide any help.

But I see now, from this and others that they do provide a service to people in need.

 

PS - Im planning on becoming a building surveyor believe it or not, and I know lots about housing tendencies including landlord and tenant issues.

 

 

I will look for some forums and try to help others as you have helped me. x

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we have a residential and letting forum

with few helpers

your input will be greatly welcomed

its always busy.

 

 

as for your issue.

if you browse the threads in this forum

there are examples posted already

 

 

ok you did wrong.

but what they don't know.............

 

 

enough said

 

 

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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Share on other sites

naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

dx

 

 

I agree with dx : it is worth a try to see if they will accept an "alternative disposal". (Don't say "out of court settlement", though that is what it is).

 

I WAS going to say "don't bother for Freedom Pass abuse, they almost always prosecute" but then noticed you gave the officer the "normal" pass.

 

Just to clarify : the officer didn't see you use the Freedom Pass and never saw it?

It didn't feature AT ALL when you were stopped?.

If so: you may well have had a very lucky escape.

 

 

I'm not condoning what you have done NOR trying to be judgemental, merely commenting on the effect on possible outcome if the inspector never mentioned Freedom Pass abuse in their report.

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  • 6 months later...

and what happened in the end?

 

 

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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