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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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TFL letter (opened by mistake) - offender is unknown to me. **RESOLVED**


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Please can someone advise me what I should do.

 

 

I received a letter from TFL addressed to the parent/guardian of a child who was caught on a bus without a ticket.

 

 

This child is completely unknown to me though.

 

 

I have telephoned IRCAS who told me to return the letter to them with "not known at this address" written on but lots of people who are genuine offenders must do that.

 

There are three people (myself, my partner and our 21 year old son who live in our household and I can prove this easily but how am I supposed to prove that someone does not live at my address?

How is it possible to prove a negative?

 

Please can someone tell me what I should do, I am really worried.

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TFL's problem not yours

 

 

do as they advised.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you very much for your reply. I will do that. I just hope that that will be enough for them.

 

I live in a tower block that contains fifty flats and cannot help wondering if this child actually lives in my block and gave the correct block and street name but my door number.

 

I feel like I want to knock on every door in the block to ask if they have a child of this name. I know that is probably a bad idea but I am so upset.

 

Thanks again for your reply. By you saying that it is "TFLs problem not mine" that does make me feel a little bit better.

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theres no harm at all in scanning the letter for your ref.

and it would be really good if you recorded that advice given?

 

 

I would assume the letter is the std one whereby they ask for 'the offenders' side of the story?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I do not have a scanner but will take a photo of the letter before I post it back.

 

I did record the call. I have an app on my phone that records all my calls just in case I ever need to prove anything.

 

The letter does not ask for my side of the story. The letter reads as follows :-

 

Dear Parent/Guardian

 

As your son/daughter was unable to show a valid ticket or other authority to travel, they were recently issued with a penalty fare notice under the Greater London Authority Act 1999. The details of this are shown above. (The top of the letter shows bus route, inspector badge no) we are now writing to explain what you must do next. Please do not ignore this letter.

 

There are details of how to pay this penalty fare overleaf. If you pay before 02/05/17 the penalty fare will be reduced from £80 to £40. If you wish to appeal against the issue of the penalty fare you must do so by 02/05/17. Instructions on how to dp this are also shown overleaf.

 

In due course, if no payment has been received and no successful appeal submitted we may decide to take furthur action to recover the debt.

 

If you have already paid the outstanding amount please ignore this reminder (I did not even receive an earlier letter) and accept our thanks for dealing with this issue promptly.

 

Yours sincerely

 

Operations Director IRCAS on behalf of transport for London.

 

Thank you again for your help DX100Uk I really appreciate it.

 

 

I would assume the letter is the std one whereby they ask for 'the offenders' side of the story?

 

 

dx

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Can you confirm one thing frances333.

 

The letter was addressed to "The parent/guardian of child X" and that isn't you because you don't have a child X

 

What about the the rest of the address? Was that definitely your flat? The correct address for your flat, including the post code? I'm asking just in case all that has happened is that the postie put it thorough the wrong door and it's actually addressed to another flat.

 

Do as TfL say, return it to them 'Addressee not known at this address".

 

What may well have happened is a child caught by an inspector without a ticket made up an address and claimed to have no proof of address on them when caught. Do not be tempted to try and find out who the child is! Just return it, it's TfL's problem. It will not be the first time this has happened.

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I do have a son but he is grown up and is 21 years old.

 

The address on the letter is completely correct including door number and post code.

 

I have just posted the letter back to them and included a letter of my own in with it.

 

Thank you for your reply and for removing my duplicate post.

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great you've recorded the call

10/10

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you. I learnt the hard way a few years ago that recording calls when you are in a dispute about something is

Very important as a company etc can not go on to later deny something that was said when you have absolute proof.

 

Again thank you both very much for your help. I will post back if I receive any more letters from TFL.

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  • 4 months later...

I know I posted this some time ago and am really sorry for the late update. Just in case anyone ever reads this who find themselves in the same position.

 

I sent them a letter explaining that this child was not known to me, had never lived at my address and gave them mine, my partners and my 21 year old sons name.

 

They wrote back to me very quickly and said that sometimes people give false details and as there is no requirement for people to carry I.D, this can happen. They appologised and said that my address had been removed from this action (or words to that effect.

 

Again thank you for your help.

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thankyou!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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