Thanks Scott

Hello, Around a year ago I didn't purchase a ticket on the train, the conductor said they would send me a payment form which I never recieved and just forgot about. Today I look in the paper and see my name saying : A man who failed to pay his £5.10 rail fare between has found himself £595 out of pocket. "" was found guilty in his absence at Magistrates’ Court and must pay a £400 fine, £5.10 compensation, a £40 surcharge and £150 costs.. I didn't recieve any warning letters and now I have no idea what I need to do! any advice would be brilliant TIA

This is everything I have on there. I am also on the electoral role. Natwest Personal Loans £ 1,332 04/01/2014 Up to date Natwest Personal Loans £ 57 04/01/2014 Up to date Other accounts Nwb Current Accounts £ 31 08/01/2014 Up to date Vodafone LTD £ 62 01/01/2014 Up to date Express Gifts Limited £ 0 01/01/2014 Up to date Ee LTD - Trading As T-Mobile £ 19 01/01/2014 Default Lloyds Bank (Was Lloyds Tsb) £ 0 31/12/2013 Up to date

I don't currently need credit but my credit rating is 1/5 on noddle.

No I just ended it.. Didn't think of checking the balance because I thought it was ended. Is there anything I can do?

I wrote a letter to T-mobile May last year to cancel my dongle contract. I did not send this recorded delivery. However I moved house so never heard back. I cancelled the direct debit assuming that they recieved the letter. I have now checked my credit report and it says default saying I owe £19. Is there anything I can do about this? Thanks in advance