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    • Great thanks! I have refined it -    ‘Dear Prosecutions Manager,   I would first of all like to start my response by saying how deeply sorry I am. I realise my actions were wrong and it is in no way representative of how much respect I have for Southeastern and their staff. I am remorseful about the poor decision I have made. I’d like to try and explain my circumstances at the time I evaded my fare.   I have recently returned to work but I have been on reduced pay for a while due to COVID-19 which led to me committing the incident mentioned. Additionally, I have been under stress as both my parents have been diagnosed with long term illnesses during the pandemic and I have been concerned about travelling and exposing them to COVID-19. Although I don’t live with them, they have been reliant on me during the pandemic to collect shopping, medication and support them throughout hospital and doctor’s appointments. The extra pressure has taken a toll on my mental health and I have consequently made a careless choice.   I was so ashamed of myself when I was stopped by the Revenue Protection Officer and since then, I have ensured I have paid full fare for every journey I have made. The consequences of my actions have weighed heavily on my mind since.   I am concerned that a possible prosecution would ruin any future employment opportunities and I would really like to settle this out of court with a contribution towards the administration costs as compensation for my actions. I am regretful of the extra pressure and inconvenience caused to all involved and would like to make amends.   I’d like to end this letter by saying that I understand the gravity of my actions and will never travel without a valid ticket in future. I thank you for taking the time to read my response and I appreciate any leniency you can show in this matter.’
    • Hopefully this has done it, thank you for your help   Evergreens.pdf
    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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weird question. Received a letter out of the blue from Mr Lender. I have had several loans from them in the past. I have never claimed for non affordability of these loans even though they may probably were due to certain issues in my life at various times.

 

Also, to my knowledge, I have not asked for extra time to repay....I may have taken advantage of interest only options at various times.

 

Anyway my out of the blue letter states that as part of an historic review of affordability one particular loan was described as "we believe we could have carried out further checks to properly determine whether the loan was affordable, that we took into account all relevant information  at the time, and that our customers received the right outcome" 

 

The outcome is that for one loan they are repaying the interest I repaid. This begs the question as to what about any of the others? Was it my circumstances  were different at this particular time or were there checks just a big rubbish? 

 

They haven't given me a date of the loan but state they carried out a review between 1/4/14 - 1/3/2020. During that period I estimate I've probably had between 6 and 10 loans from them. 

 

I have six weeks to accept the offer of refund or they will assume I don't want to. 

 

Should I query the other loans or specifically  ask why just this one?

 

Thanks

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yes accept 

 

are you aware of ALL the PDL companies you used and how many differing loans from each one you had?

 

if not find who they were (p'haps look at bank statement s and see who you paid?)

 

i'd be sending an SAR off to each PDL lender

then when you know the info

an IRL complaint for each loan.

 

this could be worth £1000's to you

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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Thanks. I've always been wary about proving IRL. But as I say this has just come out of the blue.....and makes me wonder, why just one loan, why not more than one? My circumstances  were  pretty similar for a number of years. Most of the pdl companies I've used in the past have gone out of business 

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its not really up to you to prove IRL.

it's simply for you to provide enough information that casts doubt upon should the creditor have loaned to you.

 

have a look at our IRL complaint sticky.

 

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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Share on other sites

Didn't even realise one of my old pdl companies had also bit the dust.....unclebuck. so just in the last year or so, lenders I had used regularly that have gone under include 247moneybox, swift sterling, piggy bank, quick quid, sunny......and unclebuck. And wage day advance

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they might have gone under but i believe that still doesn't absolve the insolvency administrators of possible redress.

 

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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Share on other sites

Thanks DX for your comments and views.

 

Sorry not had access to a computer for a few days - so a bit tricky for me to reply fully.

 

So, going back to my OP - I was somewhat surprised to be getting the letter from Mr Lender ;

 

I have since tracked down which loan it was - looking at my bank statements, I did actually repay the loan early, but only because I got another loan from another lender. So on this basis, the loan probably was unaffordable.

 

Clearly, the starting point has to be "why has Mr Lender" only deemed this one loan to be unaffordable? Surely, my first point is to reply to them, rejecting their offer (i.e. the refund of interest from this single loan as "settlement for all loans in the last six years) and make a claim for all my loans and see where I get. 

 

In terms of other lenders - I've had quite a few Satsuma loans - who always used to annoy me because they "front loaded the interest" meaning that any early repayment was not really an option - and at times I had at least three separate loans from them - however, doing a bit of research shows that they've been very bad in dealing with complaints with people waiting way longer than the statutory time.

 

Which other payday lenders?

 

 

As I say - a lot have gone under - ones that still exist I think:

 

Cash4unow

Money Boat

Ferratum 

MyJar

Lending Stream (many years ago, possibly before 2014)

 

 

Have any other users had any IRL claims with any of these?

 

thanks

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i would accept it as a F&F of ALL complaint om all loans with Me lender no.

 

as for other IRL successes you would have to use our search but yes there are many.

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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