just type no need to keep hitting quote. Natwest dont usually mess around. dx

take out date when did you open the accounts? dx

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

the process for attaining a charging order is the same no matter what it results in. interim first then latter they can go for a full charging order. at ICO stage its recorded the same on your deeds until a full CO is applied for and granted. however, as in your case, it resulted in simply a restriction k which cannot be converted into a full charging order so the entry remains stating ICO. smart cookies on your side IMHO now ...hope you succeed. dx

so what excuse are you going to use when they find there is a pattern of your use of the childs card going back weeks/months before that day you gave that excuse..... i knew i was going to lose my debit card in a few weeks/months time so i thought i'd start practicing my fraudulent use early? dx

got everything right. stop paying get things defaulted by the issuance of a default notice ASAP. then deal with things once you are settled and your ducks are inline. take out dates for each debt?

not a valid excuse.!! what date did you lose you debit card? dx

please move on now and concentrate and spend your time getting your begging email ready and sorted, members will help. what date is on that 1st TfL letter please? when does your 10 days to reply time expire? stop running around like a headless chicken now & delaying doing important things by looking and worrying about what could happen etc etc bla bla bla. get that begging email sorted....

title updated

thread title updated post one made easier to read understand. link to documents/pictures previously posted to our facebook page added. dx

poss +1yrs use ..blimey..you are going to have a very very hard time avoiding a criminal conviction here if TfL can see a pattern in the usage data they have. if this be the case, yes, as you'll see if you go READ OTHER THREADS, if the claim progresses to a SJPN court claim, they include a full list of journey's that they suspect you made using the card for you to individually sign off against each one that it was you. dx

not really important at this stage, leave your defence generic and as vague as their POC is. your WS is the time to address document irregularity issues if the claim ever gets that far. dx

agreed. and the letter needs spellchecking !! done it now for you. dx

you still have not answered the above. .......................... as for their letter and your reply: the 1st single paragraph detailing why you were reported is the only part specific to you. the rest is the bulk std TfL template letter that everyone gets when reported. 3 does not apply to you anyway as the report is one of detected fraudulent misuse of a freedom pass not in your name, not a case of a pass you held that you could not produce at the time. Email them your begging letter, as their letter states...but lets see it first.

a DCA is NOT A BAILIFF and have ZERO legal powers on ANY debt - no matter what it's type most doorstepper threats are usually just that. however if you want a good giggle if they do turn up to collect your doorstep. get your phone. film them do not engage simply state leave my property now and never return else i'll call police 101. ideally you should have been reading up during this +18mts sage. then you'd already know. dx