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    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. Once question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if i am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
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DLR inspector took my Oyster Card (adult)


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Three days ago I travelled on DLR and I was stopped by an inspector outside the station, who checked my Oyster card and informed me I didn’t touch in.

I never touch In or Out because I purchase a weekly travel card.

I completely forgot to renew my travel card, which expired two days ago.

I’m aware this is not a valid excuse,

I should had known better.

 

Knowing that I was wrong, I didn’t argue with the inspector, I was ready to pay for my stupidity.

From the beginning the inspector was extremely arrogant towards me, not even once I spoke to him badly (to be honest I didn’t speak much, I was too ashamed).

 

The inspector asked for my ID and passed me a notepad to write down my details, before writing my details I asked ‘what will happen next?’ he replies ‘Just write your details down’. My boyfriend then asks ‘can you just please explain why she needs to write her details down?’ the inspector then pushed him and aggressively said ‘I am talking to her, not to you’.

We were absolutely shocked by his action, my boyfriend then told him to not touch him.

The inspector started intimidating my boyfriend by speaking inches from his face.

 

Another inspector jumps in and tries to calm the other inspector down.

This inspector tells us to leave, but before that the first inspector took my Oyster card.

 

I was shaking,

I stayed outside the station with my boyfriend for 5-10 minutes.

None of the inspectors come to us, they could clearly see us from where they were staying and I was just too scared to go back there to ask for my Oyster card back.

 

I was hoping that one of them could come to us to apologise for the unacceptable behaviour from the first inspector and return my Oyster card - but they ignored us.

 

I have complained to TFL by email but I am truly worried what the inspector will do with my data, I haven’t provided my details but the Oyster card was registered (which contains my Name and Address).

 

I just dont know what to expect, I deserve to pay the fine (and I am happy to do so) but I didn't deserve to be treated the way I was treated.

 

Thank you for taking the time to read about my experience and I look forward to hearing from you.

Edited by dx100uk
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I'm sure that it must have been very distressing – especially at the stressful time like that. There is no reason for people to be rude and I suppose in all of these kinds of jobs, there are people who let it get to their heads a bit.

 

However, I'm afraid I don't think there is anything you can do and I think that you will just have to learn a little bit more about human nature.

 

I expect that you will be hearing in writing from TfL at some point and if I were you I would respond back very quickly and tell them how sorry you are about it and how you really have learnt a lesson and it won't happen again.

 

I would start complaining about their employee. It will just simply make it look as if you are resentful – and it won't solve anything. If you had had an independent witness then it would have made a difference. However, I'm afraid that it is very likely that they get hundreds of people every week who get caught out and then feel extra sensitive about the treatment they receive and decide to try make an issue of it as part of their response to the letter from TfL.

 

Your best interests will be simply to say nothing except that you are very sorry. That will minimise any penalty which is levied on you and after that, probably the best thing to do is just get on with life but don't forget the lesson.

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