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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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Hoist Now Lowells - Barclaycard debt SB'd? File Closed


Baz1994

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I received a letter from Lowell in April 2023 telling me that they acquired Hoist Finance and included information of a notice of assignment for my Credit Card debt.

They have been continuously sending letters regarding arranging a repayment plan in which I have ignored.

In April 2020 previously received a letter from Robinson Way in which I responded with I have no knowledge of debt letter etc and received no reply.

 My problem is I cannot remember when the account defaulted but vaguely remember it was around 2016 so possibly statute barred.

There is nothing showing on my Credit File for this debt in which is strange.

My question is if I reply with a No Knowledge of Debt letter or CCA request to the DCA, does this start the 6 year period ticking again?

Any advice would be appreciated.  

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1 hour ago, Baz1994 said:

does this start the 6 year period ticking again?

No

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 OTHER

 

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CCA request if you have never done one. I would assume its statute barred though 

2 hours ago, Baz1994 said:

There is nothing showing on my Credit File for this debt in which is strange.

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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sent 'em our sb letter from the debt collection library surely is the best route, doesn't matter what paperwork they do or do not hold if it's SB'd.....

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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Posted (edited)

Ok many thanks again both of you and will keep you posted.

May opt for the prove it  / CCA letter first to the DCA as unsure exactly when last payment made.

 

Edited by Baz1994
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i would very much doubt you paid after the DN was issued by BC. 

not harm in your ringing BC and asking.

sending the SB letter by 2nd class post with free proof of posting is much simpler the 2 other letters that simply invites pointless letter tennis.

lowells will  soon write back if they claim it's not SB'd.

cant hurt you at all...then you can do the CCA request if necessary.

also what might be important here is if you've moved in recent years and never written to inform your debt owners you have.

should this be the case, you are in danger of a backdoor CCJ, which might be what lowells are upto.

the prove it letter for debts regulated by the CCA is a waste of time as CCA debts are now covered by the pre action protocol....thus must issue a letter of claim...however if you've moved you'll never see it as it will be sent to your old address registered with BC or as was robbersway (hoist) when you last wrote to them..

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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Cheers dx.

Did you say Statute Barred letter in Library?

I have not changed my address for nearly 24 years.

My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently.

My debt balance slightly less than I thought.

No previous PPI on the account.

Sorry but trying to rake my brain at the moment before the best course of action.

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it is only a payment from YOU  that resets sb clock

any penalty charges refund due to BC not sending a notice of sums in arrears before levying them and the interest they attract does not count as a payment from YOU.

send the SB letter.

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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  • 3 weeks later...

Hi just an update.

I today received a reply from Lowell's to the Statute Barred letter sent.

"We have reviewed your account and decided to take no further action to recover the balance. We have now closed the account".

Thank-you again for your help. 

 

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hey you won

ruddy chancers

thread title updated

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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  • dx100uk changed the title to Hoist Now Lowells - Barclaycard debt SB'd? **Won File Closed**
Posted (edited)

I know dx and thanks again for yours and others help.

I was 99.999% certain last payment was over six years ago if not longer. 

👍

Edited by Baz1994
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  • AndyOrch changed the title to Hoist Now Lowells - Barclaycard debt SB'd? File Closed

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