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loadsofdosh

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  1. A result - made my second appeal and received a letter saying that after careful consideration the penalty fare was correctly charged but that in the particular circumstances of this case, payment of the penalty will be waived. No further actiion will be required on your part. Apologies for the inconvenience caused to me. Not sure what this is all about... But a good result for me. However, how do I get my £40 back. I have written to the appeals administrator informing them that I have already paid £40 and could it be refunded. But I know many of you have said I will have difficulty getting it back. Wish I hadn't paid but then knowing my luck my second appeal would have failed and I would have to cough up £80. Another person from TFL contacted me by email to ask details about the ticket inspector and whether I wanted to make a formal complaint which I did. Any suggestions about how to recoup my £40 would be much appreciated. I am paranoid when I get on the bus now just in case there is something wrong with my card.
  2. Thanks Wazir - Good grief I dont stand much chance, looks like Boris isn't going to be interested either. I am now going to write my appeal. I am gutted that I have had to pay £40 when I am innocent and it looks as if I will not get it back. As it doesnt look as if Boris won't reply I have decided to write to my MP who happens to be Boris's brother - I wonder if he will reply.
  3. Thanks - it is helpful to know that the driver can print off your last 10 transactions. Thanks for the contact numbers as well. Often when I get on the bus and there is an automatic top up for some reason I get a double bleep so I just touch in again. I saw a green light while touching in but perhaps it was just the top up. I am not usually on the 507 but when it arrives I never seem to be near the entrance with the driver - always in the middle. This particular morning - people had been waiting ages for a bus when I arrived and I had to fight to get on the bus. I would never have been able to have moved to the front of the bus to speak to the driver and the general mood of the bus crowd was not good - I think it would have been impossible to get to the driver. I am going to do my second appeal over the bank holiday - I won't be out and about but trapped in front of my computer appealing. What angers me most is that I am a professional person (I know that some professional people are fare dodgers and liars and worse still murderers) but for myself I always try to be honest and decent when dealing with the public. What is worse than the penalty ticket for not touching in is the fact that the inspector said he was "watching me" and I quickly got on and sauntered to the back of the bus and sat down and never touched in. Well I did touch in I must have to get the autotop up but it seems as if he is believed and not me. How do I go about getting TFL to release CCTV pictures of me that day is that possible?
  4. Update - I have just paid the £40 penalty fare online but will continue to make another appeal - I am still waiting for a reply from Boris Johnson!
  5. thanks to all for your words of support Urbanite - every time previously when I have boarded a bus and there has been an automatic top up to my card. Immediately after my fare has been deducted. I touched in in good faith and saw a green light and heard a double beep so i touched in again. Are you saying that it is possible for me to touch in and just have the £20 top up but not have my card validated because I didnt know that could happen. I must have done something to my oyster card to make it operate the auto top up. On another note, I have the problem of the ticket inspector who said he was watching me and I boarded the bus didn't touch in but went straight to the back of the bus. When two witnesses said they had seen me touch in - he said they were lying. what can I do about that? I am intrigued though how I could manage to get an automatic top up on my card of £20 which clearly shows at 9:10 but not be charged for the 1:35 bus fare. How did that happen no one is able to tell me? Thank you for your reply it was informative.
  6. Have received the result of my appeal. It has failed. I can now make a second appeal at a different address. They have ignored the fact that I must have touched in as an automatic top up of £20 appeared on my statement on the time that I was on the 507 bus - they never referred to that. part of the reply was: "When travelling by busy, you must touch your Oyster card flat on the card reader........It is your responsibilty to touch in correctly and to check for the green light and single beep to esnure that your card has been vaidated. Failure to touch in correctly may result in the issue of a Penalty Fare" I just don't know why they have not taken the fact that I had touched to get an automatic top up into account. I assume they believe the ticket inspector who said I crept on and went immediately to the back of the bus. I will appeal again but am not hopeful - I did send them the names of my witnesses and the oyster card statement but they are obviously not interested in that.
  7. Thanks Transient for your support - I will let you know how I get on. I am finding it all very worrying though even though I am innocent. It makes me think about how people are jailed for crimes for years that they didn't commit. It has made me think about how I judge other people.
  8. thanks. I have sent letters off protesting my innocence and enclosing copies of my oyster card statement which clearly shows I touched in and an automatic top up was done; unfortunately no fare taken from my account.
  9. thanks Transient. He maintained I didn't touch in - he checked my card twice on his machine. Is a bendy bus the one where you can get in the middle of the bus which I did - there are a couple of card readers there. I wish I had got on the front of the bus because then the driver might have said something to me because I can't understand why it only topped up my card with the £20 and the £1.35 wasn't taken - that is odd isnt it. I always assumed fare dodgers hadn't got any money. He was a really nasty piece of work and it was fate as I don't usually go to work via Waterloo I just went that way because most of Whitehall was closed I usually use Charing X mainline statio. He shouted to everyone on the bus - this person just pretended to touch in! I am going to contest it using my oyster card statement as evidence and the two people's details who offered to be witnesses and I am reporting him. I received something through the post today which said if i don't pay the fine I will be prosecuted but do you think my oyster statement and my witnesses will be enough because although I topped up on the bus I didn't pay the fare. I didn't realise you could do an automatic top up on the bus and not pay the fare.
  10. To cut a long story short - I hope - I have a payasyougo Oyster card with an automatic top up of £20 if amount goes below £8. Got on 507 at Waterloo Statiion approx 09:10 and touched in on yellow card reader - made funny double beeps which I think is when it is topping up so did it again and then went to back of bus. Really nasty ticket inspector approached and asked to see my card - I showed it to him and he said that I hadn't touched in and was illegally travelling on the bus - two witnesses gave me their names and phone numbers as they saw me touch in. He said I was lying that he had been watching me and I crept on the bus without touching in (I am respectable and do not try to dodge fares). He was trying to frame me, When I kept saying I had touched in. He threw me off the bus (along with a genuine fare dodger) and accused me of trying to take his photo with my phone - I wasn't I was trying to get a signal at 9:18 issued me with an £80 penalty ticket. When I asked him how much was on my oyster card he said £27 but that wasn't the point! The next day I checked my oyster card statement and it showed that I had touched in at 09:10 and there was an automatic top up fo £20. However, for some reason it did not deduct the £1.35 fare which it usually does directly after a top up. I do not intend paying this penalty charge as I had touched in. Even though the hateful inspector said I had not. The proof is in my Oyster card statement - it's just unfortunate that it failed to take my £1.35. Even having an automatic top up attached to the Oyster card is no guarantee that you won't get a penalty ticket. Where do I stand because I am most certainly not paying this fine (£40 if paid within 21 days). I really feel this inspector is trying to frame me for whatever reason. Advice appreciated please.
  11. I read about this and was overjoyed when I found out that this man's debt had been written off by the High Court judge because of the shameful way that MBNA and its henchman Link Financial had behaved. I am heavily in debt and to be truthful MBNA was the start of my problem. I always paid them, never missed a month but the interest they put on my account was crippling, it was disgusting. I wrote to them and asked if I could have lower interest rates applied and they would always respond by upping the rate. I did a couple of balance transfers to get rid of them- now have loads of debt elsewhere because of this. I reported them to the Financial Ombudsman but got no joy. Now I am very pleased with this result. So pleased that I have penned a letter to MBNA, telling them what I think and how delighted I am of the outcome. Childish I know but it made me feel so good.
  12. Thank you very much - looks like I had better move elsewhere
  13. Please can you help. I have a Halifax current account and debt with a Lloyds bank credit card. Have been paying a reduced amount monthly with lower interest. Now they are harassing me all the time by phone and when I read my latest credit card statement it said that I hadn't made my monthly payment. I had but it was for the lower amount which they had agreed previously. Also on the statement was something like - Our terms allow us to transfer any available funds from your LTSB account to offset any outstanding arrears - do they mean from my Halifax Account or are they not yet able to do this. I would hate to see what money I have eaten up by Lloyds credit card. Please can you let me know what is the current state of play. Apologies if this is the wrong part of the forum, please can you move it for me if it is.
  14. Thanks to everyone you have all been so helpful - Pinky well done on getting dosh back. Although Egg passed the account to DLC and DLC keep telling me that they owe the debt I can still access the details online on the Egg website, which is the only way I can check my debt is going down which I think is strange. I think I do have the old card with "Approved" but as I've said before I have so many credit cards - I am ashamed to say how many - I already deal with another debt collector as well! So I'm trying to lead a quiet life - I really haven't got the mental strength to do battle at the moment. I find it really saps my energy having to deal with debt collectors and credit card companies. Anyhow, you'll be pleased to know, that for now I appear to have sorted DLC out, I am continuing paying the regular amount and I have gathered the names of all the twits I have been dealing with there and I have said that for now, I'm not reporting them to various places, but if they play up again I will do. They have "thanked" me for this and have apologised for their behaviour. But I am ready to have another go if needed - because I suspect my peace won't last long. But they are the pits - I really don't know where they get the people they employ - they lack sense, empathy, compassion and intelligence. But they are all seem the same - awful! You would have thought that with the state of the country at the moment they could get some top people to work for them - I suppose they don't pay much though.
  15. Pinky69 - thanks for this but I can't believe that they go around faking emails surely they shouldn't be allowed to behave like this. I think the agreement probably isn't okay but I owe so much to so many creditors that bar one or two and now DLC again I have had a harmonious life these last few months paying them regular sums and for the main part not being charged interest or charges I'm too ashamed to say how much I owe but let's just say I will be dead before it's all paid off. So because of all this I don't at this stage want to go down the enforeceable agreement route. Christmas 2008 I was in such a dreadful state with my debts. Every day I had to go to at least five cash points to try and draw out money from credit cards to pay other cards with and this has been going on for years. In May 2009 I faced up to my debt and admitted it to myself and wrote to all my creditors. Now I have just enough money to get through each month but Christmas 2009 I slept easily in my bed. At the moment, I am okay, I am fortunate enough to be in employment and so can afford to pay my utility bills but not my credit cards and I have loads of them. My creditors don't seem to like the fact that I can pay my utility bills and my mortgage and not them though! I know that my situation could change any minute but for the time being I don't want to upset the applecart too much. I have got a lot of help from this website, I now know I'm not alone and it is good to chat to people in the same situation as yourself. I do think that DLC shouldn't be allowed to fake emails though. There is all this talk about agreements not being enforceable but I haven't read anywhere that anyone has been successful going down this route and had their debt written off because of it - or am I wrong. I was trying to get £800 bank charges back from First Direct and now it looks as if it never will! Thanks everyone for your help -when I have received another reply from DLC I will let you know. If I have the wrong idea about the unenforceable agreement and the fact no one has seemed to get very far with this, then please let me know.
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