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    • Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences. I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name
    • the date is 19/04/24, so i have until 29/4/24 to reply? Yes, i will send my draft of my begging letter   
    • use the webform if it allows you to attach your evidential documents then do so but do that later depending upon who your bank is.... - but i suspect you will be referred to Mastercard. who is your bank? dx    
    • If i did it through the bank, they seem to have an online form. I wondered if this is the best way or to do a letter, add supporting documents and send them through the post, recorded delivery  ?
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Skye Loans


Rosalina
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Black horse transferred our secured loan to Skye loans on1/6/2015.

we have a mortgage with Lloyds bank. Which is all to date,

 

We have been paying £230 a month to skyeloans, as the original loan from black horse was secured against my house

is the skye loans one also a secured loan and will my home be at risk if i dont pay skye loans

 

,as this company is not showing on my credit file

is it a legal company.

 

I have put a complaint in to the financial ombudsman also about this company.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was also Capita Mortgages Services Limited i think look at the bottom of their letter should say.

 

you need to go look at your deed on the .gov.uk land registry site

£3 I think.

 

I would suspect like all the others in the threads I linked to above

you've been had blind.

 

dx

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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go get your CURRENT  deeds as advised above and check if they have a charge against your proprty

it was BH

if its still BH

they'll have a very hard time.

 

but this is not the only step you need to take.

 

baby steps please

get your ducks inline.

 

have you read those threads I pointed too?

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have today written to Skye loans and yes it does say on the bottom of a letter from Skye loans capita mortgage,

 

I have told them in the letter that I have contacted the financial Ombudsman service about them and also said I am withholding any payments due to them until I have heard from the ombudsman.

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I suggested you get your ducks in line 1st

else you are simply entering into pointless letter tennis

you should not be withholding payments no if they are legally entitled to them.

 

so have you done the deeds search yet?

 

and what have you gained by reading those threads about what you need to do as well?
 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have looked on the land registry and Skye loans is listed as a charge on our property.

Can this charge be removed if Skye loans is not regulated by the FCA.

 

What do we do,

keep on paying Skye loans or postpone payments until we have heard from Financial Ombudsman and do we contact Skye loans and let them know we have contacted the financial Ombudsman service about them.

 

Are Skye loans a debt recovery agent and could we lose our house to them.

We certainly don't want to lose our house but why should we pay any money to a company that isn't regulated by the FCA is anyone else in this predicament as well.

 

I haven't posted a letter to Skye loans telling we know their company is not regulated by the FCA.

 

I will hold on to for a bit.

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skye loans might not be regulated by the FCA, but I bet their parent company are which will cover them.

 

sadly even if your thoughts were true, that is no reason to withhold payments nor report this to the FOS.

 

the loan is secured, therefore as per the original T&C's your home is at risk yes.

 

I would be sending an sar

 

is there any other reason why you feel you should not be paying them

what prompted your investigation about them?

 

 

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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