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    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
    • retitled and moved to the HFC forum plenty of like stories to read here.
    • Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors.  Thank you Lou
    • Hi all    Long story short, I am South African living in the UK for the past 6 years. Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200. At the time I had no idea it was O2. I thought I had been robbed. Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand. The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's. I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email? I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt! Since then I have heard nothing, until today. I got a letter of pre legal assessment. Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not? Worried if I ask again then this will give them more time to acquire the CCA request. I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare. Any help would be greatly appreciated. 
    • stop paying  they'll never get an enforceable agreement back for a MBNA HFC GM card of that era they were all shredded in the late 90's when PPI reclaiming really took off.   have you checked theres no PPI on your card? as I bet there was..
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eldona-2541

TFL Freedom Pass Misuse Bye-Laws 17(1) - multiple uses hearing - help needed.

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1. NO. SHE DID NOT KNOW. IF SHE WOULD KNOW SHE NEVER WOULD DO ANYTHING LIKE SO.

2. She did not even imagine that her acquaintancies could tell her something wrong.

 

She did not think that she need to go and check because she trust them.

 

3. She has never been in similar situation to run and study law of the UK, she just work and work to survive. Is it so difficult to understand?

 

She is repeating again and again^ "Why did I listen to her?"[the woman who said her to do it)

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thank you

the owner of the pass told her she could use it ..here take it.

 

she never bothered to find out if this was true..Chinese whispers syndrome .

 

I have a much better understanding now.

leave it with me, the process and letters needs careful thought.

there is a long period to the actual court date, so plenty of time to formulate the correct approach.

 

it might well be we hold some cards back for later letters trying to gain an out of court settlement..

the first being why they have failed to even reply to her return of the form.

 

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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You wrote :"the owner of the pass told her she could use it ..here take it." 

It is again incorrect. Could you please read my letter which I wrote for her? She was advised by some friend who is Bulgarian as well,, not by her mother

 

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You named her actions fraud. But where is mens rea? 

In law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.

 

Fraud can violate civil law, a criminal law, or it may cause no loss of money, property or legal right but still be an element of another civil or criminal wrong.

 

Material or immaterial.... There are circumstances and they are mitigate her action.

It is not excuse but mitigation.

You cannot take one word from sentence, you have to see a full picture. 

 

When you discribe a situation, you have to give a full picture that it would not lose even one puzzle that nobody could tell that something is wrong.

 

When you remove some details, you give an opportunity to put in that empty place a wrong puzzle to help the prosecution unfairly accuse an innocent person.

 

You can speak here about her negligence, but not about her intention to deceive.

But even negligence is under question.

 

Yes, there is breach of duty of comply with law.

And unknowing the law doesn't relief her from responsibility.

This is understandable.

But we looking for mitigation 

Good night 

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TfL aren’t (currently) proceeding under a statute that requires intent (such as S5 RRA 1889).

 

The bylaw prosecution doesn’t require them to show intent / mens rea, only that the act of being unable to produce a valid ticket took place, (& in the absence of one of statutory defences).

 

BTW, I’m impressed how much your syntax and grammar improved with your reply “You named her actions fraud. But where is mens rea? In law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law, a criminal law, or it may cause no loss of money, property or legal right but still be an element of another civil or criminal wrong.“.........

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It is not necessary to show that you are native English speaking, but I am not.
At least I can speak one language more than you. 
Can you argue in another language? I am sure that not. 
Weakness in language skills doesn't make weak other skills.
I consider your notice has discriminatory nature.

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Please can we keep this on track and deal with the problem to hand.

 

Andy


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 OTHERS

 

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If you want advice on your thread please PM me a link to your thread

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