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    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? 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,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
    • Keep an eye out on the post, you may get a discontinuation notice. Im sure however youll be okay. You seem to have enough evidence to dispute the balance. 
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Buchanan Clark + Wells - Urgent Help Needed


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Hi everyone

 

My hubby received a letter about 2 -3 weeks ago regarding a very old debt to the Halifax, the pursuers of this debt are Thames Credit Ltd. Nothing has been paid on this account for about 9 years although about 3 years ago he received a letter regarding this debt but ignored the letter!

 

Then he received a letter from BCW this morning in bright red letters saying that as he has not responded to Thames Credit Limited :-

 

"You were informed in our last correspondence (2-3 wks ago) of impending court action, as part of that process, we must advise you that authority has now been granted to proceed with a Personal Visitation by a Debt Investigation Officer at your home address.

 

Please can anyone advise me of the best way to deal with this, am I better of trying 6 years have passed so tough or I am better sending a pound and requesting CCA. ( I think thats right, not 100% sure, I only know anything about these options from reading this site.

 

If I go down the 6 year route am I acknowledging that the debt is my hubbys and could that somehow back fire on me or am I better off trying to delay things a bit with the CCA request.

 

I would be really grateful for any advice as we are in a TOTAL mess at the moment with our finances and I am desperately trying to get us back on an even keel.

 

THANKS :confused:

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Guest jamesroberts

If the debt is that old (9 Years) and you have not acknowledged it then it is statute barred and yet another example of a shady dca trying their hand and hoping you do not know your rights.

 

If you search this sites library you will find a template letter telling them that this debt is statute barred and no longer active.

Its just another unscrupulous dca hoping you do not understand the law.

The dca know perfectly well this debt is not collectable but they are trying to trick you into paying by scaring you.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi BB

 

Thanks for the support, the annoying thing is the debt is BANK CHARGES, my hubbys totally useless with his finances, so in actual fact they are unlawful anyway!! :evil:

 

Just can't take any more s*** from DCA's, I've had enough.

 

Good luck with yours and keep me posted.

 

Speedy :-)

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Hiya Speedy :)

 

*virtual hugs*

 

You're stronger than them with our support ;)

 

Just remember, there's thousands here ready, willing and able to help you :) A large number of us going through similar situations, trying to get to the bottom of these alleged debts, often not even knowing what they are or where they've come from :mad:

 

Will keep you posted, thanks :)

 

BB

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Guest jamesroberts

The debt is bank charges eh......

 

If thats the case I think there is a very good chance they will be oweing you money before long.

Why don't these people just learn that there is a revolution taking place and you really don't want to be a financial institution or one of their debt collecting monkeys at the moment :)

 

Along with sending this request to the dca I should also send the same letter to the original lender and make sure you get a full list of all the charges added to the account as I think you need to be claiming those back.

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Interum Justicia made the mistake of coming after me for a £1K overdraft made up of charges from RBS. RBS ended up owing me £4K over and above the £1K overdraft after contractual interest.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks for your input guys, but I didn't think I could chase the Halifax for refund of charges because the debt is so old, my hubby doesn't even have any info regarding the account number or anything. :sad:

 

That was brilliant what you did Rory but I don't know if I would have the guts to attempt that when they are chasing the "alleged debt". Was it hard going and complicated?

 

Speedy :-)

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Not at all hard going (but then I am quite hardened to their threatening letters and am aware of what they can and can't do).

 

I think it basically comes down to deciding who's going to win - I am fairly competitive by nature.

 

Really it doesn't matter if you don't know the account number, from the name on the account and addresses they can quite easily find it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I've just read on another thread somewhere that when you send letters to DCA's you don't sign them you just print your name.

 

If thats right i've cocked up big style, I sent a statute barred letter for my husband yesterday but I got him to sign it.

 

ANY REASSURANCE OR ADVICE WOULD BE APPRECIATED, I'M STARTING TO STRESS!!!!

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Guest jamesroberts

Don't worry about it, makes no difference.

As long as you have not admitted to any debt in the letter there is not any problem.

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A debt can not be unstatute barred.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Once a debt has become statute barred then it doesn't matter if you admit the debt as the debt can not be enforced. While the debt still exists it is up to the debtor whether they choose to pay it or not. If you state that you will not be paying the debt then no further attempts to collect should be made.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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