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    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? 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,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
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Drydens for Max Recovery - MBNA card Default On Credit File


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i would suggest that the account defaulted long before the IVA that latterly failed.?

when did you cease payments to MBNA?

or p'haps more correctly, didn't meet the required monthly minimum payment?

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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The IVA failed sometime ago now and as far as I know the last payments made were in about 2015.

 

Max Recovery/Drydens have failed to produce the deed of assignment when asked for on numerous occassions.

 

"The account is showing on the entry that it went into default on 3rd August 2012.

This date is wrong because I actually defaulted on the 1st June 2012 when the IVA came into effect."

 

Ah so its not recently been placed by Fairfax in May 2017..but was entered by MBNA on 3rd August 2012..it is normal to be 2/3 months after default.

 

You cant sue Drydensfairfax ..they haven't damaged your credit file...but simply inserted their name in place of MBNA after the debt was assigned.

 

Your only argument is that it should be Max Recovery and not Fairfax....not that it makes much difference to you,,,but the ICO may be interested

 

Thanks Andy.

 

The ICO advised me to write a letter of complaint about these issues to Drydensfairfax.

 

A letter will be sent out today recorded post.

 

Will need to give 8 weeks for a reply.

 

As Drydens are not the debt purchasers they have no legal right to place a default or record anything derogatory on my credit file.

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well they don't have to produce the deed of assignment

that freemen of the land twaddle

you mean notice of assignment

 

but anyway even if they don't have it

 

its MBNA that placed the default

 

you need to read my post again

as even though you quoted it

you still didn't read it..

 

when did you cease payments to MBNAlink3.gif?

or p'haps more correctly, didn't meet the required monthly minimum payment?

 

I politely suggest

that was months maybe even years before you ever thought of the IVA?

 

if this is correct and you can prove it

by getting all the statements from MBNA via an sar

 

I would suggest the default should have been filed way before 2012

so thus if you get it moved by them.

following a complaint

the whole account will vanish from your file

as it will be older than 6yrs defaulted.

 

problem solved

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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but immaterial

the SAR goes to MBNA

 

 

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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I have just found out today that the data controller for this debt is the owner Max Recovery Limited.

 

Does that make sense!?

 

Yes....see my post #27

 

" Your only argument is that it should be Max Recovery and not Fairfax....not that it makes much difference to you.....but the ICO (Information Commissioners Office) may be interested "

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

 

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  • 4 weeks later...

You wont get a DOA - its a document that holds numerous peoples info and is private between the DCA and OC - Only a judge can see it.

This is a NOA and quite frankly a dodgy one at that.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Just a general round robin to all.....only 5 years old.

 

Not even dodgy..... its not a valid Notice of Assignment

 

Andy

We could do with some help from you.

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Sorry for being thick, how do you mean by not being valid?

 

Its missing my full name, address and account number!!

 

Precisely...thats why its not legally valid ....its a round robin

We could do with some help from you.

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LOL

 

So if they try and issue proceeding, whats the best way to put in a defence?

 

Wait until /if they issue one ...then you look at that.

We could do with some help from you.

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I wonder what that entails ? :lol:

We could do with some help from you.

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Don't worry I'm sending a letter today, saying no deed of assignment no debt, plus the notice of assignment was sent via email according to section 196 of the Law and Property Act 1925 any notice should be sent by registered post!!

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Don't worry I'm sending a letter today, basically saying no deed of assignment no debt, plus the notice of assignment was sent via email according to section 196 of the Law and Property Act 1925 any notice should be sent by registered post!!

 

Please dont.....simply ignore them

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

 

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Now your getting the idea...assuming they issue a claim..till then ignore them.

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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I think they know they are screwd!!

 

Makes you laugh putting the account on hold for 14 days!!

 

They can feck off!!

 

I will get help with remission fees as I am on contributions based esa of £110 per week.

 

So, if I win (fingers crossed), can I sue them for stress without proving a valid debt!?

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