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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?
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TFL bus prosecution - advice?


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Hi there, this is my first post - I hope it is in the correct thread.

 

I live in London usually walk to work as its a 15 minute journey (I occasional cycle) but if I have meetings that day I will hop on the bus from A (home) to B (work). Sometimes just one way.

 

Last week I hopped on the bus, got on the back entrance and tapped my contactless bank card on the reader, and proceeded to go and sit upstairs without further issue.

 

Crucially,

I had my headphones on when I tapped in,

I also had them on on the upper deck

just before my stop I noted that two inspectors had boarded the bus.

 

As I left the bus I instantly got out my card to let the inspector scan it (inspectors are common on my route)

the machine said my card had been declined due to insufficient funds.

 

I had used my card the previous evening on the same bus route,

I didn't realise my card had been declined when I tapped in because it was a busy bus

I was very foolishly playing music through my headphones so I didn't hear the 'double beep'.

 

Confused that my card had been declined I let the inspector scan again.

The chip on my card is slightly worn,

which I believed could possibly have been the cause of the issue,

but the inspector confirmed it had been declined due to the lack of funds.

 

I stupidly hadn't checked my balance on that account in the morning and a few prior purchases had indeed been withdrawn from my account.

 

I apologised immediately

when they asked if they could take my details I was in total shock.

 

I asked if we could do so downstairs as I was about to alight the bus (this happened minutes away from my stop).

I then gave them my full details on a random notepad they handed to me.

They asked me if I had any ID on me, which I did not.

 

The inspector didn't issue me a penalty fare and instead said I should receive a letter about the incident in which I would be asked to give my full account.

 

The inspector did not caution me, or interview me in any way,

when they asked me to put my details down it was just on a notepad, with no other information.

They did not explain that anything I said would be used as evidence

- which from reading elsewhere I see is common thing for them to do,

so have they handled this incorrectly

or was this simply because this all happened when I was approaching my stop?

 

To add to the confusion

- users on another forum suggested that my card could have been declined by the both the bus and the RI's machines because a transaction from the day previous hadn't gone through (due to insufficient funds).

 

When I logged on to my contactless transactions online this was indeed the case,

I had to go through a process to "re-verify" the bank card for use on TfL services and pay for the previous journey.

On the occasion of the previous journey the green bus panel light 100% flashed

- I remember seeing that.

 

(Edit: I have been told RI's cannot tell if your card has insufficient funds, is this correct?

They definitely said something along the lines of 'it's been declined for insufficient funds')

 

On my part, this was a genuine and honest mistake.

I wish I could wake up and start that morning again and check my bank balance and transfer funds into that account.

I'm also aware I shouldn't have had my headphones on, and that I should have been aware of the display on the machine when tapping in.

A string of errors on my behalf.

 

I have been unable to sleep or eat in the past week as I'm so terrified about getting a criminal record which could jeopardise my job prospects.

I work in a professional field and often have to travel to countries requiring visas.

 

I have just received the standard letter from TfL asking for my side of the story.

 

Is it wise to get a solicitor involved to look into settling out of court?

If worst comes to worst?

 

This is the first time n my life I have been involved with any kind of inspector or law enforcement and I have no prior cautions or criminal convictions and it is truly tearing me apart to even think of the consequences of my stupid, preventable actions.

Edited by ghat22
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please stop sweating about this.

your wont get a criminal record

you wont lose your job.

 

simply reply

in the manner you have here...

but cutout all the waffle and excuses.

 

briefly

succinctly

and

truthfully

 

explain that you stupidly omitted to to ensure enough funds were available on the day

and as your employment would end should your receive a criminal conviction

you offer to pay any reasonable admin sums to settle this out of court

 

plenty of threads here already.

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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