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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Jo v RBS


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Hello everyone,

 

I've filed my claim online with moneyclaim (I live in England) and T McL has written to me to say it's now being handled by their legal team (who have now acknowledged the claim).

 

I'm just thinking maybe I've done the wrong thing - I'm claiming a total of £2.1k including £500 odd interest (at 8%). Maybe I should have accepted their last offer of £1350 if they would have agreed to pay the £120 moneyclaim costs. I have rejected this offer but not sure whether it's too late to accept. I am feeling quite out of depth.

 

Any advice or comments would be most gratefully received - also does anyone know how long am I likely to have to wait for a court date?

 

Many thanks

Jo

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I'm about 2 weeks behind you, we've just had our offer and the wife is having the same dreads as you are...

 

The prevailing advice seems to be, stand your guns, it's YOUR money, all they are doing now is keeping it warm for you.

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Guest willowb

It's really daunting when you think about it....little old you taking on a financial institution with inexhaustable amounts of cash! BUT and yes! that is a big but (no comment please:mad: ) NO ONE (in this country at least) is above the law! when they charged you disproportionate fees they were breaking the law and they know it! it's up to us to get the money they took from us back, it's up to us to stand up to them and hopefully make changes......it's really up to us!

 

You can do it!!!;)

 

Wxx

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Jo,

 

just PM'd you, but like Willow says, STICK TO IT! Until they cough up, they are in the wrong, it is your money and how great would it make Christmas for you to have it all back?

 

BC:cool: (BC is back from afar!)xx

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Thanks for the kind words guys -they've done the job, I'm back on track and going nowhere til I get my money.

 

My friend is a lawyer, before she left work to have kids last year she'd never lost a case against Cobbetts... she's dying to dust off her old suit and get back into court to represent me so I'm kind of hoping it gets that far!!

 

Thanks

Jo x

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  • 3 weeks later...

Hello all,

 

Got my Cobbetts defence pack this morning - all very exciting. Just a few questions:

1. Does anyone have a reply to CPR 18 request that I could adapt?

2. Some of the other threads refer to an allocation questionnaire which was in with the defence pack - I don't have this, only the defence and the CPR 18 request. What should I do?

 

Thank you so much for your help!

Jo x

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Try either or both of these for some very interesting cpr18 stuff, including sending your own cpr18 request to Cobbetts which for some reason they seem quite scared of!

 

http://www.consumeractiongroup.co.uk/forum/general/15172-reply-stock-defence-18-a.html

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/32948-cpr-18-requests-costs.html

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I have actually worked in banks for several years now - needless to say that I have the same problems with them with my account. Given the enormous amount of publicity surrounding bank-charge reclaims/ OFT/ FSA etc it'd be a really good idea to change your username and disclose as few details as possible as at some point i'm sure their enterprise risk departments will read all these threads..........

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