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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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Then its only a swift hearing to decide the restoring of the claim...

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Solicitors here he’s just tried to speak to me.

 

I’ve told him I’ll only speak to him in the chambers.

 

He hasn’t received my witness statement by the looks

 

He wanted to know what my plans were when i go in as sometimes it’s better to sort out Beforehand

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to get your costs out of 'em .....:lol:

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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What you mean.

 

He says he’s their alphas agent he doesn’t work for them just represents them

 

He’s gone in on another case now though

 

Solicitors back out in the foyer. Typing stuff up on laptop.

 

He has been in the chambers I need to be going in. However I’m unsure if it was to do with me or another cases they are running about 20 mins behind here by the looks

 

He’s on the phone to someone mentioning about costs and license issue has been brought up

 

He’s making another call now but outside. He clearly doesn’t want me to overhear this one

 

Looks like court are 45mins behind

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licence?

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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Right I’m out.

 

The solicitor had nothing.

 

The judge was trying to work out if I owed the money they claim

As 10 months missed payment equal £2314.90 not the amount of 5600 they are claiming.

 

Alpha are not named on any deed of variation

the person named should be the one issuing the court.

 

The registered title has not been altered to show alpha.

 

Alpha are not the owner of charge progressive is.

 

I produced 2006 loan agreement 257 showing it was settled in 2007 and at a zero balance.

 

Court and solicitor both had copy of this.

 

Solicitor was mortified.

 

actually said to the judge he had not received any background or witness statement

 

Judge says as of today order for 10 days time

 

By 2pm 30th jan I must put in a detailed defence and statement of truth to claim send to court and alpha

 

And counterclaim as they have kept the £8163.29 from Welcome that was my money.

 

2nd the claimaint should comment whether or of they file and serve

 

21st Feb for alpha a complete account transactions between claimant and defendant.

 

Specially identify the nature of each transaction account must show back to day one.

 

Application adjourned till week after this date to think about it further

 

Today’s costs reserved

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Very well done cruz...this is looking extremely good. :thumb:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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To be honest I was in there ages my head is totally fried.

 

The judge spoke to quietly for my liking.

 

I thought I wasn’t doing very well at one point

 

I need to clarify that I produced the settled loan paperwork and photocopies were taken from me.

Nothing was mentioned about the 3 re written loans that followed the 2006 one.

 

A Tr4 form was mentioned to solicitor too.

 

What happens next then in your expertise

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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... 

Link to post
Share on other sites

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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deed of variation [hidden bar siteteam/cruz]

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

Forgot to tell you too that judge said irresponsible lending cannot be used in a repossession claim defence.

 

What do I need to be doing now and how do I fair if they produce the 3 agreements after the 1 i showed today was settled

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well if they do produce the 3 agreements following the one central to their 'repo' claim..

then equally those before must also come into play...

 

and as these are ALL a refinancing chain....Irresponsible lending must in some part play an important role.

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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Hold on a min the one I produced today was ending in 257 that started 31/10/06 that no is on top of the legal charge. It was settled in 2007

 

The one they were relying on which they didn’t show was ending in 984 which started 29/08/08 this was the last one and there were 2 between 2006 and this one

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so you came away with paperwork they gave you today?

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

No they They had nothing only what was in the witness statement. No loan agreeement only the legal charge doc with the account no on the top 257

 

I came away with nothing. They both took a copy of the loan agreement 257 I gave and the statement showing it was settled

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I also had the official copy of the deed of variation that I had paid for at the LR. The solictors didn’t even have that. He didn’t take a copy of that though

 

I’ve just noticed something in this it says progresssive financial services limited formally known as welcome financial services.

 

Weren’t it the other way around progressive first then welcome

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