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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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whatshouldido192

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Do we think he got sent down?

 

H


40 years at the pointy end of the motor trade. :eek:

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what for 71 no chance ever 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Well, where is he then?

 

H


40 years at the pointy end of the motor trade. :eek:

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Hey guys, I'm here. I've done my court hearing, pay a fine and still wait for the letter from the court, I'm getting a conviction but should be spent in 1 year. They didn't really specify on the day so I'm not too sure

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https://www.ukcisa.org.uk/Information--Advice/Visas-and-Immigration/Protecting-your-Tier-4-status

 

see the section on criminal convictions.

Do NOT assume your conviction will be ‘spent’ for immigration purposes if you have to extend your visa / seek ILR. You MUST declare it.

 

Not declaring it and it being found would lead to an absolute refusal and bar you from applying again (for ?10 years?).

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yes, I'm waiting for the letter from the court then I will declare it to the Home office right away

and yes, I understand that i still have to declare under the UK visa application even though it's spent

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Hi guys, so I'm back. Just an update for everyone, so I was at the court and pay my fine (a heaping £800). I didn't have the chance to talk with my prosecutor on the day, I managed to apologise myself on the day so I think that was alright, paid my fine on the day and got a letter confirming that I have paid the fine as well.

 

However, weird thing, I didn't hear the court saying anything about enter in my record at the end of the hearing. And also today I was doing my DBS check and no record showing that I have anything up there, so my record was clear. Do you know if this is a delay or something because it has been 2 months since my court hearing. I also received no letter from the court ever since.

 

Also before the court hearing 1 day, I talked to another solicitor and apparently the charges against me was never supposed to be in my record ( like speeding ticket from what I remembered correctly but seems a little bit bongus tbh)

 

So anyone had any similar experience like this? Should I tick on the box [NO] for criminal record if they asked me in the future as my DBS check shown that my record is clear?

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Ring the court and ask?

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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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You can’t do an enhanced DBS check on yourself.

 

If you don’t declare it and the Home Office find it and conclude you have been dishonest in your declaration : almost certain refusal, and potentially an exclusion period, too.

 

That'd be way worse than declaring it.

If you declare it & get accepted, it can’t later “come back to bite you”. 

Edited by BazzaS
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@dx100uk Thank you for the suggestion, so the lady at the court told me that since it's a minor conviction, it won't show under the basic DBS check and usually shown under the enhanced one. She has confirmed it is on my record and I will need to tick if I was asked

 

@BazzaS Thank you, I was confirmed from the lady at court as well. But I just want to reconfirm, I will need to declare it for any visa purposes; but if it's for jobs that doesn't require to (say 1 year from my court date), I won't need to declare it if I'm correct?

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“Jobs you don’t need to declare it” : so not exempt from Rehab of Offenders legislation

- once it is “spent” you don’t need to declare it.

 

Visa applications (UK and USA) better to always declare.

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