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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Unfair Penalty Notice


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I was given a TFL Overground Penalty Fare Notice last Monday for quite a silly reason which goes:

 

I'm tapping in at Clapton, on my way to Liverpool Street.

 

 

It's 9AM Monday morning, and as expected rather busy.

The Oyster machine tells me I haven't got enough money

- negative balance

- I'm waiting for the machine to free up.

 

 

By now there's 2 minutes till the train comes,

I'm on my way to a funeral and don't really have time to wait around.

 

 

With around a minute to go,

the machine is finally free,

I see i have a negative balance of 40p and put in 40p to take it to 0 as that's all I have in coins and I don't want to break a note.

 

 

I finish up and by now the trains already in the station,

I tap in,

run down the stairs and catch the train.

 

 

When I get off at Liverpool Street,

the barriers don't let me through;

the guard has a look at my card on his machine and says I still have a negative balance and he's going to have to charge me a Penalty.

 

 

I tell him everything,

but he completely disregards it,

almost as if I'm not even talking and hands me the notice.

 

 

I check the online account a few hours later,

and somehow the 40p I put in hasn't been registered and that's why I was charged.

 

 

I've talked to a station guard and he says there's nothing more I can do about it and I should just pay the 40 quid and get on with it, surely there must be a appeal on the basis of check CCTV etc?

 

 

The other thing I've noticed is on the ticket it says I travelled on the Liverpool Street - Chesunt line

when it was the Liverpool Street - Chingford line -

could I get off based on a technicality here?

 

 

The Chesunt line dosen't even pass through Clapton.

Is there a point in appealing or should I just pay the money?

 

Thanks in advance for any help.

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I wouldn't labour over these points.

 

Even if the 40p went on : you'd not have had enough balance to pay your fare.

 

In a hurry to get to a funeral?

Top up your Oyster the day before or get to the station earlier,

especially if travelling when the machines / ticket office are likely to have queues.

 

Although you feel the penalty notice is unfair,

it doesn't mean the staff thought you were a 'fare dodger',

where the shouldn't issue a Penalry Fare,

but instead a report for prosecution.....

 

If they don't accept your appeal, you may well have to pay the penalty fare :

after all you didn't have a valid ticket / enough balance on your Oyster.

 

The other thing I've noticed is on the ticket it says I travelled on the Liverpool Street - Chesunt line when it was the Liverpool Street - Chingford line - could I get off based on a technicality here? The Chesunt line dosen't even pass through Clapton. Is there a point in appealing or should I just pay the money?

 

Thanks in advance for any help.

 

This seems to be a more promising approach than

"they should have just let me off, as I was going to a funeral and there was a queue"....

 

I'm minded of the story

(I think this was recalled by OCJ, an 'industry expert') of someone who tried this approach when prosecuted, and the judge commented along the lines of

"Well, if I have to wait & queue to pay for my ticket, you should have to, too!"

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?350293-Will-i-be-prosecuted-What-will-the-outcome-be-(rail-penalty-fares)

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The other thing I've noticed is on the ticket it says I travelled on the Liverpool Street - Chesunt line

when it was the Liverpool Street - Chingford line - could I get off based on a technicality here? .

 

Exceedingly unlikely.

 

All that is necessary is for the prosecutor to identify the 'typing error' and ask to amend the application to read 'Chingford' instead of 'Cheshunt'

 

All Court staff are fully conversant with the modernisation of admin processes and with 'drop-down' menus pre-filling forms as they are created these days it is very easy to see how such an error occurs. Typing in 'CH...' will have pre-filled the first alphabetical location in the drop-down list unless spotted and corrected.

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