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    • that is our SB defence yes simply copy and paste it into MCOL.   dx  
    • Apologies in advance for the long post... but I’m desperate now.    I stupidly took out a log book loan a while ago thinking it was my best option. After struggling with my finances and a couple of missed payments the vehicle was repossessed. I managed to get the money together to pay my arrears and the £300 or so pounds they added on for the repo and get back on track.    After a couple of months I got a text (well, bombarded with texts) about topping my loan up which, again stupidly, I decided to do. It was actually a second loan running alongside the first.    Again I fell into arrears and the car was repossessed, again adding the £350 or so fee. I took out another loan in order to Pay get the vehicle back.    I have again fallen in to arrears and I have attempted to lodge a complaint with the company, to which they have not really acknowledged and not advised me of the FOS timescales. I took this to the FOS who advised to go back to the company and if I wasn’t satisfied go back to them. I have submitted a further complaint to them this evening.    I believe I have been let down on several points, affordability, granting of a second loan when I had struggled with the first, unfair repo charges, ignoring my attempts to make reasonable repayment proposals, extortionate fees to release my vehicle and pay for the repossession charges, amongst many other issues.    My main problem however is that I have today been contacted by the repo company who have advised they have been to my address on numerous occasions and have not sighted the vehicle. The chap told me today to speak to the lbl company to come up with a solution this week or they would report the car stolen to the police in order to have me arrested and the vehicle seized.    My mental health has taken a hammering over this (it wasn’t great in the first place, hence the reckless financial decisions) and I fear this could push me over the edge. No car, no job, no house. I know I’ve only got myself to blame but any help would be hugely appreciated.   The loan is via bill of sale however I still have the actual log book.    many thanks 
    • use pdfreducer in upload once the multipage file is compiled 
    • My last response from yesterday seems to have disappeared on here (possibly it didn't get verified), but I'm still trying to get these pics together.   I was ready earlier in the day but discovered my PDF was a lot bigger than 4.5MB and it wasn't postable. I need to divide it into several files, and I'm putting in all of the photos in as it is too fiddly to sort through them etc on my phone. So apologies in advance for redundant one's.   Did you manage to get your zoom lens into action TGS? BTW glad to hear your girlfriend adheres to the same crackpot conspiracy as I do, it's never easy carrying these burdens alone😁
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Firstly I want to mention I am ashamed of what I did.

 

I was using a 16+ oyster and got caught by a ticket inspector.

It had my name, and photo, however, the inspector began quizzing me about my D.O.B. of course, I stuttered because I was panicking.

I got it from a friend of a friend, someone I never met.

I was stupid for doing it I know.

And no excuse will absolve me of my wrongdoing.

 

I was told I would receive a letter from TFL. I am so afraid I will get a criminal record.

This is my first time doing something so silly.

 

I saw a similar post about this from November however I don't know what action was eventually taken against the person.

I am really worried, and I am afraid it will affect my career and academic prospects if I receive a criminal record.

 

I am still yet to receive the letter from TFL.

I want some guidance on how to respond.

And whether anyone has been in a similar situation and what the outcome was.

 

Will I have to show up to court?

And if I do will I receive a conviction?

I will have to plead guilty, and I plan to.

Also, will how long I've used the oyster card affect whether or not I will receive a criminal conviction?

 

What should I include in my response to them?

Is there anything I should avoid writing.

 

I would be so grateful for any guidance and advice.

 

After some browsing on other forums, it is likely I will have to pay a fine.

What else can I expect to happen?

Should I ask for an out of court settlement?

Edited by dx100uk
spacing

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I will assume this was a fake one as the other threads here and you knew full well it was so?

 

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

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Are you 18 or over?

Entitled to any discount card at all?

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I am in university. I think I am entitled to an 18 + oyster.

 

- - - Updated - - -

 

Yes it was

Edited by MJlina

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how long for please


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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I'll be honest, over a year. 1 year and some months. I don't remember exactly when I got it.

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ouch!!


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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It's bad. I know

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I'm over 18 and in university. I think I am entitled to an 18+ oyster.

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Then why didnt you get a legit one? I know its tempting to get a fake one on snapchat etc, but is it really worth risking a criminal record that stays with you for life, all over a silly oyster travel card?


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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So you're saying I will get a criminal record? I seem to not be getting any help on this forum, or advice on how to write back to TFL. :-(

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Nope. Have a read of the forum. There are plenty of threads that advise on letters to avoid prosecution. This is a self help forum too.


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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you cant do anything till you received their letter

they have 6mts.


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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Posted (edited)

I have since received a letter to appear in court. I wanted to know how to proceed? 

 

I have read through similar threads. Many of them have no update. they have calculated all uses of the card. Of course ,I understand that is an aggravating factor which could make an OCC unlikely in my case. 

 

What can I do

Edited by MJlina

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