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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
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Joa

Road Tax Petition

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Sign and pass it on. it only takes a minute.

 

 

The government's proposal to introduce road pricing will mean you having to purchase a tracking device for your car and paying a monthly bill to use it.

The tracking device will cost about #200 and in a recent study by the BBC, the lowest monthly bill was #28 for a rural florist and #194 for a delivery driver.

A non working Mum who used the car to take the kids to school paid #86 in one month.

On top of this massive increase in tax, you will be tracked. Somebody will know where you are at all times. They will also know how fast you have been going, so even if you accidentally creep over a speed limit you can expect

a NIP with your monthly bill.

If you care about our freedoms and stopping the constant bashing of the car driver, please sign the petition on No 10's new website

http://petitions.pm.gov.uk/traveltax/

 

 

Please pass this on to anyone who owns a car/motorcycle. It affects them.


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Done :)


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Click the scales if I've been useful! :)

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Ditto

 

Mike


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Done :)


Lloyds TSB won £4154.59

Nat West settled £810

Mint settled £383.47

Lloyds TSB (mrsDJ59) won £3751.09

Barclaycard settled £1079.77

Capital One settled £257.85

Citicards won £2033.80:p

Capital One settled £986.65

 

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Disagree. In the trials I have seen, the tracking data is not released to the billing system, the GPS uses its onboard memory to know the road types and the mileage travelled on each type, it is THIS data that is sent for billing, not where you are. Anyway, what's this to do with Road Tax, as mentioned in the title?

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Maybe there are different versions being trialled but I wouldn't put it past the government to implement the least driver-friendly one. What are the benefits of the scheme anyway? Don't we pay enough money already? The highest petrol prices in Europe....

As for the title; sorry, probably not the most informative one, I just thought the tracking charges would be another form of a road tax.


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I think there are three 'road pricing' trials, but I don't think any of them required the full data set being sent for charging purposes - the problem is the vast volumes of data that will serve no useful purpose, except for a minority who the police WILL want to know, and would be a sledgehammer to crack a nut. As for the technology, there will be winners and losers, I have to pay road tax on 3 vehicles and barely cover 5000 mile on all of them. If - as is promised - the burden shifts from petrol tax and it drops to 30p/lt I'll benefit. There is also scope for the pre-purchase of discount 'miles' like having a London Transport Oyster Card giving travel discounts. I still don;t think it will be a reality before 2015 anyway, there's bound to be a change in Government before then,

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I just don't like the idea of people being able to follow me around...:-|


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Honey, they already do if they want to... Like with ID cards, anyone who thinks that their footprints are not already all stored in many, many places is being overly naive, I'm afraid... :-|

 

In France, a fairly recent (About 2 yrs ago, I think) investigation showed that the average legal resident has their details recorded in over 30 different databases, state or private. There is no reason to think that the UK would have a lower average, IMO.

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*sigh* I know, Auntie Bookie, I know...just wish it was different, is all. You can't help but feel spied-upon, or rather, pried-upon - I hate the feeling of busibodies poking their noses in, that your life isn't your own (unless you've got Form 7b in triplicate), that it's all right if you've got 'nothing to hide'... well, dammit, I've got nothing to hide! Doesn't mean I want my life spread wide to the four winds for any Tom, Dick or Sir Humphrey to see... :rolleyes:


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But you certainly can do a lot to thwart them, like havingf 50 different dates of birth..... :D

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*sigh* I know, Auntie Bookie, I know...just wish it was different, is all. You can't help but feel spied-upon, or rather, pried-upon - I hate the feeling of busibodies poking their noses in, that your life isn't your own (unless you've got Form 7b in triplicate), that it's all right if you've got 'nothing to hide'... well, dammit, I've got nothing to hide! Doesn't mean I want my life spread wide to the four winds for any Tom, Dick or Sir Humphrey to see... :rolleyes:

 

Ah, but you see, lovely Demon, that is all it is, a feeling. If you start dwelling on who might have seen you do whatever at what time and place, therein lies the path to madness. I try to think in terms that information that is being endlessly collated is stored somewhere, but that the odds of a bored civil servant deciding to pry through my files are so minute that it's not worth losing sleep over.

 

I did a brief stint as a cleaner in the Inverness DSS offices a good few years ago, and could have accessed just about anyone's info, should I have so desired... But frankly, too many files, not enough interest!!!! And I am sure the vast majority think that way too.

 

It's different the day that we lose democracy, and that employees are sent to uproot the deviant that we all are in some way or another... But frankly, the day this comes, I doubt that anyone will be safe anyway, whether their steps can or can not be traced... I suspect the ones whose history can not be tracked would actually be more at risk anyway... :rolleyes:

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My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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Signed.

 

In all honesty I think this is just yet another way of raising yet more taxes rather than anything else, and the motorist is hammered far too much already in this country in particular.

 

I even object to things like on-road parking meters, we already pay for the roads (and much of the money we pay isn't spent on them anyway), next we have schemes about to spread nationwide like the London congestion scheme or whatever it's called, which in my opinion has little to do with congestion and all to do with raising yet more money.

 

We already pay income tax, then VAT, new car tax if you buy a new car, insurance premium tax, road tax, fuel tax, parking charges and so on - where does it all end? The government are already acting illegally as the road fund licence is ALL supposed to be spent on the roads, but it isn't.

 

It's a disgrace and I will vote against ANYTHING that aims to charge us more for our motoring simply because we already pay too much. The authorities need to look at spending the obscene amounts of cash they already get more wisely instead of wasting it then looking to find ways to raise more to cover their poor budgeting and overspending.


I only mouth my opinion, please look elsewhere for sensible advice! :)

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