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    • 1. BREAKDOWN OF LOAN Amount of Loan : £20,000.00 Loan Terms : 10 Years Monthly Repayments : £230.00 A.P.R (interest %) : 6.35% (FIXED) Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20,000.00.So,for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March. Your second monthly installment will be due in month of April by direct debit. Once you can make the payment of £230.00, you will receive the loan amount of £20,000.00 in your bank account within 45 minutes. 2. RESPONSIBILITY Although this agreement may be signed below by more than one person, Borrower understands that we are each as individual responsible for paying back the full amount. 3. REPAYMENT The Borrower will pay every month through direct debit. There would direct debit mandate which we will ask the customer to sign. 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RIGHT OF OFFSET If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or security Borrower have with this lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan. *Note: The Annual per Rate (A.P.R) mention above will remain unchanged entire the loans terms. “Terms and Conditions” CENTRAL LOAN aim to ensure all information as maintain is: ◦current ◦fit for the purpose intended ◦complete ◦accurate CENTRAL LOAN provide two services to the customer: •We can transfer the loan amount in customer’s account •We can fix an appointment with the customer to deliver the loan amount at customer’s place in few cases (Fee may include). 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It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking: I hereby certify that all the information given above is true to the best of my knowledge. If any of the above information is found to be incorrect at a later stage, I shall be liable to be disqualified/ refund for the personal loan. Regards BORROWERS SIGNATURE CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746       full  load agreement        
    • Ignore...    Wait until you get a Letter of Claim and come back here.
    • I wouldn't just ask them. I would send them an email confirming that the dealer has now agreed to receive the car back and that in view of the fact that they sold the car illegally and also in unsatisfactory condition, they have avoided the contract from the very beginning and therefore all agreements to purchase the car and any related agreements to finance it are now considered void from the outset. Tell them that this is your position and you want it confirmed. If your finance company will not confirm it then you are going to begin an immediate complaint to the financial ombudsman service because they will not be observing their duties under the consumer credit act. I think you need to be very insistent about all of this.
    • Were even if your mother died intestate, there must be some probate and somebody must be administrator. Try and send an SAR And incidentally, the principle is statute barred is a statutory limitation but it is subject to court's discretion
    • I will be contacting both the finance company and the trade centre tomorrow morning myself to make sure I receive written evidence off both parties stating the contract will be getting rolled back.   
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Skydiver2711

Received TfL letter for using sister's travel pass

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I have been contacted by TFL for using my sisters card.

How do I start a new thread to get help.

 

I had apologised to TFL for using my sisters travel pass with my photo card.

They have wrote me another letter saying it can’t be an error.

 

I rang them up to see if there were any chances to settle this out of court.

To which they replied they do not settle out of court.

I really don’t want a criminal record for my mistake.

I am looking forward to this forum to help me.

 

I said to TFL, that I picked it up while hurrying for work.

It was a staff discount card.

It is not age related.

 

I wrote a letter apologising and will to pay fines and administrative costs.

Edited by dx100uk
merge/space

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Thank you for the extra information. My reply to you seems to have gone walkabout but you've answered my questions.

 

TfL don't like this sort of thing, they don't understand [and I don't really] how you can pick up a card that doesn't look like your own, if you have one, and then use it with the wrong photo ID.

 

Have you had a court summons so far?

 

We have a couple of other similar threads here but I don't think they've been resolved yet. It's worth having a read around the forum.

 

HB


Illegitimi non carborundum

 

 

 

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I do not have a court summons yet.

They have written to me that they are still deciding.

 

My sisters monthly pass was left on the table ( it did not have her picture but just a small photo ID number).

I mistakenly took it thinking it’s mine only looking until when it was valid.

 

How do I explain this to TFL?

I regret not being more aware.

Edited by dx100uk
spacing

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I don't know how to explain it, maybe someone else will. We see this story all the time and it's amazing the coincidences that happen when there's a full-priced card and a discount card. From what TfL have said to you, it seems they've heard the same thing a lot.

 

You can keep talking to them up to and including any court day to try to resolve this.

 

HB


Illegitimi non carborundum

 

 

 

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Thanks for your advice. Are there any chances of settling this out of court?

 

what other form of apology would they accept? Should I write to them again?

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Thanks for your advice. Are there any chances of settling this out of court?

 

what other form of apology would they accept? Should I write to them again?

 

We have too little detail to be able to fully advise.

 

What really happened?

What colour wallets were the card (s) in?. If not their original wallets, why not?

 

Bear in mind CAG has heard all sorts of stories of how someone 'accidentally' used the wrong pass. Some seem more plausible than others.

TfL will have heard as many, and more. How do you intend to persuade them yours has the ring of truth (starting with the whole, unvarnished truth is a good starting point ....)

 

Do you think you might accidentally have used the wrong pass more than once?.

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I did not use the pass before.

I did ask my sister why her pass was lying on the table and not in her photocard holder.

She said that she had spilled coffee on her photocard holder and removed the travel pass and kept it on the table.

 

Is it worth explaining this to TFL or just saying that I used my sisters card?

Edited by dx100uk
spacing

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I did not use the pass before. I did ask my sister why her pass was lying on the table and not in her photocard holder. She said that she had spilled coffee on her photocard holder and removed the travel pass and kept it on the table.

 

If you picked up your sister's staff pass, not in a wallet:

a) why wasn't your pass in a wallet?

b) what colour is your pass? and hers?.

 

Was hers like:

http://i.imgur.com/aSReD.jpg

 

 

 

Was it really a mistake?. If it was, be prepared to explain it in detail, as TfL hear "it was a mistake" all the time.

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I did not have a valid pass for that month. Both mine and my sisters monthly passes would be similar.

 

They are not blue, but orange with an expiry date in bold in the centre.

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so you only used it once.

was this by design..you meant to do it, or just a mistake upon your behalf?

 

thread tidied too.


please don't hit Quote...just type we know what we said earlier..

 

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So you're saying that you only used your sister's pass once, but that you took it knowing that you didn't have your own pass that month? That doesn't look great.

 

Remember that TfL can check journeys on the card going back about 8 weeks.

 

HB


Illegitimi non carborundum

 

 

 

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This was my mistake. I did not realise I did not buy a pass for that month.

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This was my mistake. I did not realise I did not buy a pass for that month.

 

So, not only did you mistake your Sister’s staff pass for your pass, you forgot you hadn’t bought a pass that month.

 

I can’t see TfL being convinced this was an honest mistake.

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Will it be better if I say I did it on purpose? But if I did, it would mean that I lied in my first letter

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What did you say in your letter please?

 

HB


Illegitimi non carborundum

 

 

 

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Will it be better if I say I did it on purpose? But if I did, it would mean that I lied in my first letter

 

I don’t know, what is the truth??

The problem with lying is remembering who you have told what. The advantage of the truth : only one version to remember!

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I received a letter from TFL stating that I was reported for failing to provide a valid ticket, pass or photo-card on a TFL journey. I write this letter to explain my version of events.

 

I took my sisters monthly pass in a haste while leaving my house. When asked to show my valid ticket for the journey, I showed the pass and the inspector pointed out it was not my pass. I realised my mistake and he withdrew both and took my interview under caution.

 

I would like to apologise to the TFL team and I am willing to pay any fines, or the charges due to extra administration work TFL had to go thorough because of my mistake. Hoping that TFL would to solve the matter out of court.

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if that's all you sent IMHO its a bit bare and you seriously need to come clean, unless you honestly thought yours was still valid and picked hers up thinking it was your valid card?

 

but if you really knew yours was empty and took hers par chance you didn't get caught and did...

its sort of in a way going in your favour, as you knew you'd be caught and did...

 

pers I think you need to send another, more frank and honest begging letter like the ones we have here..

if yours was only what is above, it doesn't address their pondering that it wasn't a mistake.

 

might be better if you scan yup their reply to PDF please

read upload.


please don't hit Quote...just type we know what we said earlier..

 

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I agree with dx. To have any chance of TfL settling this, in addition to what dx says, you need to show genuine remorse and tell them what impact a conviction would have on your career or future career. And you need to promise you'll never, ever do this again.

 

HB


Illegitimi non carborundum

 

 

 

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I dont have the reply from me right now, but I will upload it here when I get it.

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dx means TfL's reply, not yours btw.

 

HB


Illegitimi non carborundum

 

 

 

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Their reply basically said 'I should have had the photo ID if I was using the pass and they do not consider this a mistake'.

Edited by Skydiver2711

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Thank you. But the best way for us to advise it to see a pdf of the actual letter minus any of your personal details.

 

HB


Illegitimi non carborundum

 

 

 

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