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    • Hi there,    I have had a little read of the forums and I'd be grateful for any advice or recommendation on this matter as to be honest my head is in a total spin and I can't think clearly.   About 6 weeks back I got caught using my grandmother's freedom pass. I was massively struggling financially and desperate for a job. I was obsessed with getting a job to the point I thought of little else. I have autism and have been suffering with anxiety and depression also. To be transparent, I haven't had a 'clear head' in a while and lack a bit of an understanding of the bigger picture at times. When I used the pass, I genuinely thought it'd save me money getting to the interview (I had about £10 to my name and just was petrified about my life prospects) and put the pass back at my grandmother's and there would be minimal issues. I knew you could get prosecuted for not having the right ticket and knew I shouldn't have done it but I didn't actually understand what that entailed, if that makes sense?   I was caught on the way to interview and crumbled apart completely. As I was approached I panicked and attempted to produce a card I hadn't used. Safe to say the experienced inspector saw through that and once that happened I confessed to it not being my card and it being that of my grandmother's. I explained that I'd been made redundant in the summer and that I've always had a hard time finding jobs. I said I used the card because of my poor finances and that I just wanted to try and get the job and everything would get better after that.    He took my statement, cautioned me and I honestly don't remember the rest as I felt completely emotionally overwhelmed. Amazingly I did get the job and started the next day. Shaken up by what happened, I have consistently used my own oyster card since, eventually confessing my poor finances to my family who agreed to help me through the first pay day. Days later I received a letter from TfL which asked me to provide any mitigating reasons for them not to pursue prosecution. I accepted that what I had done was wrong, apologised profusely and promised to never do it again. I explained everything about my consistent struggle with employment, how I would lose my job if I was to be convicted, and that I only now understand the consequences of Freedom Pass misuse. I also described in detail my poor mental health and how it was worsening since the incident. I submitted this letter and received a response through email from one of the prosecutors who asked for further evidence of the mental health conditions and disability I was alluding to. This was towards the end of last month. I panicked and just didn't know how to reply, but I have since requested my medical records which I haven't got back yet. My anxiety and depression has gotten much worse, I was signed off sick from the new job i got, then subsequently let go from this job because of my sickness. I was prescribed medication not long after the initial incident and will be getting a higher dose soon. I am having constant panic attacks as I am terrified for my future life prospects. I struggle already finding and keeping a job because of my disability and coping with depression. I just feel a criminal conviction will be one barrier too many for me to find anything. My previous roles and work have all centred about some law and some finance which required Enhanced background checks. I emailed the prosector team member who emailed me all of this info and also explained that my anxiety over this incident had caused me to be off work sick and that I had subsequently lost my employment. I mentioned that I was remorseful and apologised again, and offered to pay a fine that TfL felt appropriate along with any other fees necessary in order to settle out of court. I said I have requested medical records and asked if there was a deadline to submit further evidence. I heard nothing back. Today I received a single justice procedure notice for entering 'a compulsory ticket area without having with him a valid ticket'. it's clear they intend to go on and prosecute me and i feel sick and cannot sleep even though I'm utterly sleep deprived.   The statement given by the RCI is in my opinion fair and accurate, I have no qualms there.  From what I can make out from the paperwork, it's the £4.90 that's in dispute (the cash value of the fare) which I've gotten from the RCI's statement and there's a mention of a fine (which would be reduced up to 33 % if I plead guilty) costs (mentioned as a 225 contribution) compensation (mentioned as £0.00) and victim surcharge with no value mentioned. I honestly feel my life is in ruins worrying about this and thinking about how bad things would be with a conviction. Sorry for the too much info but I feel like I'm very much at the edge at the moment. I know it may seem like my health getting so bad is an overreaction to the incident but I think that is the impact of my autism (I have a tendency to over worry and obsess) and my depression. I honestly can't think straight and the reason for my post is because I do need some direction in how to respond to this? I received a decent tax rebate at the end of october as well as full wages from my last job and would be in a position to pay. I just can't take the conviction hit.  Any ideas on my next steps, I still haven't sent further evidence as I'm still gathering it but should I start there? I have 21 days to enter a plea. I'm still awaiting my medical records but have a picture of my prescription, my 'fit note' which signed me off work, and have screenshots from my tfl account that show that I have been using my own oyster account since (Although now being out of work and most of the time find it hard to leave the house - these journeys are sporadic). I haven't consulted my doctor fully about why my health has gotten worse but I may talk to her in the hope that she may also write a letter if this would be helpful?   Apologies for the novel and again, any help, advice, and kind words would be appreciated. I recognise what I did was wrong but I am desperate to not pay for it for years and years to come.  
    • Send them an sar then threaten them with the ico if they dont remove it.
    • Please will you send the utilities company a subject access request. Do it tomorrow. Don't hang around. You will need this information to make any headway.   Secondary, you have posted quite an extensive story in a solid block of text and this is very difficult for people to follow. It discourages people who might otherwise be prepared to give you very useful support and advice. please would you avoid posting your stories or your responses in solid blocks of text. They need to be properly punctuated and spaced and generally speaking presented in a way that you would yourself like to have them presented to you if you were going to to help out on the thread.    
    • I think that he is trying to imitate Delboy Trotter.
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Hi, I've had a read through previous posts and was hoping for some advice on our current situation.

 

We entered debt management plan in Jan 2013 (70k credit cards & bank loans).

 

 

Never missed on mortgage payments (1 residential & 2 buy to let) and these are currently up to date.

 

 

We have a couple of properties which have finally increased in value and are hoping to sell this summer and get back on track.

Our DMP has always been up to date.

 

We were wondering what our chances were of obtaining a mortgage in future once we come out of the plan.

Both of us have good jobs and stable employment.

 

Also - if we went for part/full settlement of our debts does this pose an increased risk?

We were hoping that if we went for part/full settlement we would be able to save

and get another residential mortgage in a year or two

- not sure if mortgage company would look at us

- any thoughts?

 

Really appreciate any help and advice

as this DMP is a weight round our necks that we really want to get rid of as soon as feasible

(never paid a bill late until we entered into this but was unavoidable due to significant change in circumstances).

 

Please be gentle as I am not overly familiar with protocol on forums.

Thank you for reading

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Who was the DMP?

 

DId you check the validity of your debts before offering to pay them?

 

Did you reclaim everything you could?

 

If its a paid for DMP, dump them now.

 

Theyre pocketing your money for their own profits.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dmp company have been really helpful to be fair (beech)

- not sure how easy it is to take control of it ourselves??

 

Not checked any of the debts are valid but not entirely sure what you mean here if you could be a bit more specific

- would the dmp company not have done this already.

 

Desperate at the time so god knows what we have signed with them

- clauses etc

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Hi,

We are hopefully getting closer to either partially settling these debts

or at least fully settling some of them and coming out of the DMP.

 

We don't deny these debts are ours so not sure about our moral standpoint on questioning the validity

however we haven't checked PPI due to the fact these companies charge you

even if the compensation is drawn down off the debt.

 

If we were to partially settle these debts and then claimed the PPI compensation

would the PPI be paid to us or again be put towards the shortfall of the partial paid amount and outstanding amount.

 

Still not completely clear about the 'Full & Final' and 'Partially Settled' differences and the impact it may have on future loan apps etc.

 

We are now both in good employment and in a far better position than we were 4 years ago, we will not be charging headlong into the same mistakes we made, albeit led willingly by the banks.

 

Thanks you for any help/advice you can send our way.

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I doubt you'll get a mortgage (certainly not a none sub-prime one) if your credit score is poor die to your past history.

 

Obviously once you resolve the past issues your credit score should increase fairly quickly

- this will increase your chances of getting a mortgage.

Once your credit file is clean (6 years) then there should be no problem.

 

You have to be congratulated on getting things back on track after such a tough ride!

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who is you DMP with please?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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who is you DMP with please?

 

 

dx

 

I believe they said it's beech I have seen there ads on Facebook

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dump them now

they are a fee paying DMP company

and reclaim the 'pot' they are secretly holding

to off your creditors a F&F settlement.

 

get an sar off to them and find out where all your money [didn't] go.

 

can you list your debts please

who they were original taken out with

type of debt

and who the debt is paid to now.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dmp company have been really helpful to be fair (beech)

 

:lol::lol::lol:

 

well they will be

money for nothing fee charging DMC

when you can do it for FREE

and probably get lots of your debts written off..

 

can you confirm which beech it is

there are several.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Beech in Macclesfield

I will answer the above questions later today when I can dig out all the docs.

Thanks again for all of your time

 

barclaycard 16K

MBNA - Link financial 18K

Santander 8800

Moorcroft (was natwest) 21K

1st credit (was blackhorse) 6700

Lex auto 3500

 

We are currently paying just over 400 per month but realise Beech will be taking a substantial cut of this.

 

Please let me know if you need any further information -

I look forward to your response and appreciate you taking the time to help

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oh good grief

please dump that DMP company now

you are being had blind

 

link - biggest fleecers out there - send them a CCA request

 

1st credit likewise and this being a car loan? I bet you returned the car too? - send them a CCA request

Moorcroft, who are their clients as they don't buy debt - what type of natwest account

likewise for santander


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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god what a mess they've got you in

 

you are paying these fleecres a fee to manage yours debt

and you don't even know who gets paid what

or thru whom...

 

please dump them

best idea might simply be to stop paying

then you'll get various letters

from who think you owe money too

then we'll deal with them then.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi, really appreciate your advice,

however because there is light at the end of the tunnel we really don't want to poke the hornets nest

and end up with DCA's knocking at the door.

 

I know this is a bit of a cop out and I am know your advice is solid,

I am just extremely wary about being dragged through CCJ/bankruptcy etc especially with a family to think about.

 

If you believe the CCA request is an option then we can request them, what if they have no record?

Are they legally obliged to scrub the debt or is it more about leverage when trying to settle a figure?

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No dca will come knocking at your door, they simply dont work like that they arent bailiffs.

In your CCA request, also enclose a short letter updating your current address and confirming that you no longer live at the old address, gives dates of moving aswell. Then keep these letters safe in case they try a back door ccj so you could prove they knew your current address.

 

Should any creditor/dca not have the correct paperwork then they would have difficulty proving any alleged debt and any claim could be defended easily if no credit agreement is supplied or remains outstanding from a previous request.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

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I would SAR & CCA Barclaycard

 

 

def CCA Link. and sar MBNA if you like

 

 

Santander CCA request for [each] card + SAR

 

 

next = CCA request

 

 

1st Credit CCA request ...Blackhorse SAR

 

 

Moorcroft for NatWest = CCA Moorcroft SAR NatWest

 

 

Lex Autos we need more history


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just posted 14 CCA/SAR requests recorded delivery, the queue behind me in the PO was epic.

 

Thanks again for your help, we will keep you updated.

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right well when you get any info back on any of them

go to the main forum tab top left

drill down till you finf the named bank forum

of the original creditor.

then start a new thread there

you need to create a thread..for EACH DEBT

then scan upload

te info you receive back from either the CCA and the SAR.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Currently been in a DMP for 4 years with Beech finance. We are paying about 30% of our payment per month to them and would like to ultimately take control ourselves so more of the payment can go direct to paying debts off.

 

 

Don't know where to start with this so can someone please point us in the right direction. Is it an easy process? Like the fact that we don't get hassle from people we owe to but I am sure it will be worthwhile paying them the extra 30% direct.

 

Any help greatly appreciated

 

Thanks

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You tell them you want to stop the DMP and provide all info to you. I can guarantee they never checked the validity of the debts, and they only exist to take money from you.

 

Do you know what debts you have, and all details relating to them?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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old and new threads from May merged..

 

all this has already been covered

if you go back and read from post 1 again.

 

so how did you get on with the CCA requests ??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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As advised we CCA req'd the relevant companies & SAR'd the ones advised,

Santander came back with outstanding PPI

 

 

they all responded with CCA agreements, signed by ourselves,

a couple did take a while to respond but we had them all within a 3 week period.

 

 

We have just had the remainder of the SAR request returned,

which we will use as leverage when finally settling the debt.

 

The question really is do we approach the individual companies regarding a payment plan and is this a straightforward process?

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it is as you decide what you pay but...

 

who decided the CCA's were enforceable?

we've not seen them..

 

esp the link return..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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We had a DMP with StepChange,

they were very helpful & free,

decided to self manage it ourselves,

 

 

all we did was informed SC that we would be doing it ourselves,

then we simply carried on paying the same payments to our creditors as we had been paying via SC.

 

No problems at all apart from a couple which had been passed to debt collectors,

they tried to get more from us without success,

we just took good advice for dx to set the payment we wanted to pay, not what they wanted.

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Thanks for the advice, I will contact the DMP tomorrow, did you contact the lenders first or wait until they wrote to you.

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