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    • @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?
    • did you sign a new agreement or anything after lloyds merged everything..? making it all say a consolidation loan?   when did you get this letter from lloyds to go into a branch and ID your self so you could get all the data (SAR was it you asked for?)   do you still posses the FOS letters? and when did you complaint to them?   dx        
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      I was in Sainsbury’s today and did scan and shop.
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Tawnyowl

How is your local council going to deal with the massive cuts.Austerity bites hard.

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Why am i putting this on.

Well as i walk about and chat to different people,some who work for councils there is fear and worry and many stressed out people out there.Worried about their security,families,mortgages,rents.

And also people in their local communities.Things like that if things go pear shaped.

Is this if true anyway to live in these modern times.

 

Now it is a bit late for me to look about,do a little research.But will as time goes on.A little tired.Soft,i know.

And if you have a view and are looking in and want to have your say how you are feeling about things.

 

Austerity State: how has your council’s budget changed?

Between 2009/10 and 2014/15 spending by England’s local authorities was cut by a fifth — more than twice the rate of spending cuts to the rest of the UK public sector. Our Local Cuts Checker database brings together a myriad of data to allow readers to explore the impact of those cuts in their areas.

Check it out.Take a look at the link.

http://ig.ft.com/sites/2015/local-cuts-checker/#E06000009ZZE06000009

 

And if you are outside looking in and want your say,a link,we are a friendly lot.

http://www.consumeractiongroup.co.uk/forum/register.php

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my local council Durham has already stated it will do no more that the legal minim in most areas they lost over £100 million from their budgets, closing all its care homes, most of its smaller library's and closing its regimental museum and art center, also we are to have a tax rise of 3.9%, we already pay some of the highest rate in the UK with a band D yes a D at over £1700 a year

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Ours (Plymouth) are putting up council tax by 2%.

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my local council Durham has already stated it will do no more that the legal minim in most areas they lost over £100 million from their budgets, closing all its care homes, most of its smaller library's and closing its regimental museum and art center, also we are to have a tax rise of 3.9%, we already pay some of the highest rate in the UK with a band D yes a D at over £1700 a year

 

Just been looking around Durham on the web.So many things to read.

And how these cuts are affecting people.The council must be banging their heads wondering what to do.

A lot of history up there.

I could put so much on about the history of Durham.The pride of the people.

But just a couple for now.You know how these cuts are affecting people,no need for me to say.

A weaker point for many but the museums and libraries,art center.

A article that covers many places.

 

Closing northern museums is an act of cultural pillage

The closure of one in five museums is an insult to our rich heritage. If the cuts continue, the north of England will be poor in more ways than one

The first comment mentions Durham.

http://www.theguardian.com/commentisfree/2016/mar/01/closing-northern-museums-is-an-act-of-cultural-pillage

 

Just been reading about the Jarrow March back in the 1930s

Men marched to London.

Did they achieve anything.Well yes i feel they did.Return journey.Let the London mob know how you feel.

Worked in the North East during a recession back in the 70s,great people.

 

And remembered a Dire Straits song that summed things up for me nicely back then.Something about that song.Moved into construction at that time.

Many trying to make a few bob to send home for their families.Similar things happening now perhaps strangely.

 

Sometimes songs say things in a way people understand more than writing can.

 

Plymouth.

Nystagmite.

Ours (Plymouth) are putting up council tax by 2%.

Plymouth faces biggest cuts to local services in decades, says city's finance chief

Speaking yesterday, Cllr Lowry warned the situation is "going to get worse".

 

He said: "We keep trimming our cloth to fit but we are running out of material.

 

http://www.plymouthherald.co.uk/Plymouth-faces-biggest-cuts-local-services/story-28746674-detail/story.html

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My local council (Preston) other than putting up council tax, making the amount those on benefits pay more, reduced support for the elderly and disabled, closing libraries and at least one museum(maybe the main one as well or reduce staff!) have decided to charge us an extra £30 a year to empty our green(garden waste) recycle bin!

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Hi Sparks.

I just had a quick look around.Seems to have started about 2011 in some areas.

Out of 267 councils that responded to a Daily Mail survey,64 charge for a green waste collection service. Fees range from £15 to £113 a year.Back in 2011.

Now rolled out nationwide it seems.

Article,

New charge for Preston’s brown bin collections as Council Tax rises

http://www.lep.co.uk/news/new-charge-for-preston-s-brown-bin-collections-as-council-tax-rises-1-7751467

 

So what are the options.

People like to be seen to be green.

Opt out of the charge.

Compost heap,impossible for many.

Put it in the grey waste and hope checks are not made.Have the lot then thoughts.

Take it to the tip.Arrange groups in towns for people who will not give up their green thoughts.

Once again impossible for many.

Fly tip.Now that really gets people going.

I will put a video on of a fly tipper in my area to get people going this morning.

 

Preston Council facing “catastrophic” budget cuts as funding slashed

Leader of Preston Council, Councillor Peter Rankin

“By 2020 they’ve left us in a position where there isn’t enough money to run the council.:-x

 

“Even if we take away all the things we like doing – like parks, the museums, benefits and debt advice services, community engagement, leisure centres, sports development

– there won’t be any money for those after 2020 with the current settlement from the Government.

 

Preston Council facing “catastrophic” budget cuts as funding slashed

http://www.lep.co.uk/news/local/preston-council-facing-catastrophic-budget-cuts-as-funding-slashed-1-7662723

 

Fly tipper in my town.Back alley.

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yet the peopl,e at the top are consistently getting massive bonuses . Also i do not think the way to solve this is to throw money ar it councils are very inefficient like most of the public sector , there needs to be a prune from the top down ie the pen pushers or the @non jobs' then we can see what the councils need . also they always pick the easy cuts residental homes libaries dont cut thier saleries

Edited by postmn
fogot

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As ever, it seems there isn't enough money for vital services; but there's enough money for things like bonuses.

 

No doubt they won't increase the council tax support in Plymouth either. And with no benefit increase either, (a loss in real terms) we're going to be worse off. Brilliant.

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So worries about wages perhaps.Some are saying some at the top of authorities are earning more than the Prime Minister.

Few said some at the top are being made redundant with big payoffs then starting work in other authorities within a few weeks.Surely not.

Do we have to many councillors.But how much would this save.If cuts were made.

Throw your thoughts in,and tell us what is happening in your towns cities.

 

Are the cuts pretty equal re-Labour to Conservative councils.Even handed.This article says not.What do you think.

£300m rescue cash for mostly Tory councils? The favouritism is jaw-dropping

On one hand, the government miraculously finds a pot of money to help protect certain councils from cuts. With the other, it savages adult social care

Just what is going on.

http://www.theguardian.com/commentisfree/2016/feb/11/300-million-tory-councils-favouritism-cuts-government-adult-social-care

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My Council has started to charge for the garden waste service - £30.00 a year. I am OK with that - live quite a distance from the local tip so very useful service.

 

I think the Council tax will be going up by 3.9% which will be 1.9% for the Police service and 2.00% local services. I disagree with the extra for the police - in the 18 years I have lived here - I have seen one policeman (in a car) locally and only a handful in town. None at all when I was mugged back in 2003 !


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I disagree with Council staff being given bonuses for a job they are already paid to do ?


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I disagree with Council staff being given bonuses for a job they are already paid to do ?

 

Never understood that one either.

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Council bosses earning as much as footballers

Local Government Association chief is "not happy", but claimed it reflects "the way the world is"

http://www.telegraph.co.uk/news/uknews/12009099/Council-bosses-earning-as-much-as-footballers.html

 

Can our council chiefs’ high salaries ever be justified?

As details of the so-called Public Sector Rich List are published, former Wrexham mayor Aled Roberts, now Welsh Lib Dem AM for North Wales, and John Marek, former Wrexham MP, have both hit out at “enormous” payment

which see local authority bosses taking home more than the Prime Minister.

http://www.leaderlive.co.uk/news/154758/can-our-council-chiefs-high-salaries-ever-be-justified-.aspx

 

Just the way the world is i suppose
.:violin:

 

EXCLUSIVE: How much do bosses at YOUR council earn? Mail investigation reveals huge pay deals for the public sector fatcats - so now find out how much YOUR local authority chief takes home

Hospital chief facing a budget crisis and probe is pocketing £1.26million

Council executives earning up to £411,000 a year while cutting services

Council boss in Wales charged taxpayers £2,368 a month for his Porsche

Revelations were made after 6,000 Freedom of Information requests

Use the tool below to see how many bosses at your local council took home six-figure deals last year

 

Read more: http://www.dailymail.co.uk/news/article-3309596/The-shocking-scale-fat-cat-pay-public-sector-exposed-todayl]

 

We are all in this together.:-(

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Chief executive in for £25,000 bonus as Shropshire Council slashes budget and increases council tax

Shropshire Council may be putting up council tax and cutting millions of pounds from its budget – but it is planning a yearly £25,000 performance-related bonus for its chief executive.

Let's not forget that people on the front line are having their pay and conditions cut back and jobs taken away.

Makes you wonder how poor your performance has to be before you don't get a bonus.

 

http://www.shropshirestar.com/news/2016/02/26/chief-executive-in-for-25000-bonus-as-shropshire-council-slashes-budget-and-increases-council-tax/

 

Just a few articles put on when i noticed on some links salaries being mentioned.

Probably repeated across the country you would think.

Do they look after each other these fat cats.

Nice to be sat round the table instead of catching the crumbs some may be thinking.

 

Just showing a different view that is all.

These cuts are afecting many in our communities badly.To put it mildly.

Really i am a nosey devil and want to know more about what is going on.

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Something to relax you.I must admit this is heavy stuff.

A lot to take in.Tell people how it is affecting your communities.Let your stress out.

In the meantime,a little relief.Sit back and float along while you have a break.Some of you must be hopping mad with things.

Get the kettle on,or pour yourself a stiff drink.Then let rip.:-x Cuts-Enough put the brake on,sort this madness out.

 

A village with no roads-can you believe it .

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I bet they don't have any issues with potholes in that village, TO :lol:


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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 bet they don't have any issues with potholes in that village, TO :lol:

:lol:

That comment made me laugh.And that takes some doing after reading what is out there.

We need a little fun as well amongst the seriousness.Even a little mischief.:wink:

Nice one citizenB:-)

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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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just got my council tax bill, last year it was £119.00 each month, it is now £125 each month, for a band B house


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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My council (Hounslow) is doing ok.

They foresaw these cuts a few years ago and installed cctv in every street of the borough, painting double yellow lines and yellow boxes as they went along.

They rake in millions every month from this scheme, despite only one camera being a registered approved device.

In their minds if you own a car you must be rich and pay.

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