Get hold of that, then we can advise you on writing a letter with your mitigating circumstances.

Your quite right, but it was a 'direct', 'cut and paste' from their site, I missed their error. 'The general advice given by rebel is correct, but this is unlikely to be a County Court matter if TfL pursue it. The usual course of action if a Penalty notice is not paid or successfully appealed within the time allowed is that the notice will be cancelled and a Summons issued for the offence to be heard by a Magistrates Court.'

Also very important, can you get your Oyster Card (Discounted) transport history with payments? This again is very important.

Hi sniper101 Welcome to CAG Firstly calm down. Even though you have your own discounted card, it doesn't entitle you to use your sisters card. You could get a Criminal Record but at the moment you need to try and get an out of court settlement. You need to write to TFL again. How many times did you use your sisters discounted card? You don't need legal representation at the moment. Also you need go to your local underground station and obtain a print out of your travel history. You need that to prove that you have a history of payment to TFL and this is an isolated incident. This is very important.

Hi Chuck9 Welcome to CAG What I noticed late November was that the following:- 'Trying to show a bigger % discount on big ticket items by discounting off the 'RRP' and other % discounts off their 'retail' price.' http://www.amazon.co.uk/forum/deals?_encoding=UTF8&cdForum=Fx1DEIHNWYF5SA9&cdThread=Tx24Z71K20N7TYL You could lodge a complaint with ASA and see what they comeback with. http://www.asa.org.uk/

Well Done lal1987. Sounds like they finally used their discretion.

Hi Halifax https://forms.tsb.co.uk/online_forms/contact_us/email/enquiry/form.asp If your still not getting anywhere, write a Formal Letter of Complaint, mark it as such. Explain what's happened, how they have let you down and what you want them to do:- Dr Paul Pester CEO TSB Bank [email protected]

Hi Tek Screw Have a read of the following, it is unfair:- http://www.thisismoney.co.uk/money/experts/article-2196391/Who-I-complain-expiry-gift-cards.html But write a Letter of Complaint, mark it as such. Explain what's happened (had gift card purchased), how they have let you down (unfortunately you have been able to use them in time etc, explain the boys disappointment etc) and what you want them to do (extend the date so they can use them). Sent it to:- Mr Peter Cowgill Executive Chairman JD Sports Fashion [email protected]

Hodgson got it wrong, the press picked the team. He should have kept faith with Cole, more of the older heads. The defence was shocking at times. Liverpool through to the semi's, meet Chelsea.

Hi shortwoman68 I'm sure other Caggers will provide specific information. Here's some info that might help:- http://www.adviceguide.org.uk/england/benefits_e/benefits_help_if_on_a_low_income_ew/help_with_your_council_tax_council_tax_reduction_e.htm

Well Done benq. have a great Xmas.

How did you order? How did you pay? Credit Card / Debit Card?

Hi Handaros Welcome to CAG As you rightly point out, the finance company own the car and such, you need to reject it with them. Do not speak to them over the phone, only correspond in writing, send all letters Recorded Delivery. If you have to go to court, it will help your case if you have a paper trial. You will find the finance company a 'tough nut to crack', the dealer will back them up. But you need to persist. Have a read of the following:- http://www.norfolk.gov.uk/view/NCC094699 This is from the Financial Ombudsman: Consumers frequently find the technicalities of hire purchase transactions confusing. Typically, they believe they simply went to a dealer and bought a car with the aid of credit, when what actually happened is rather different: they chose a car, and asked the dealer for credit to help them pay for it; the dealer acted as a credit broker, arranging hire purchase through another business; the hire purchase business bought the car from the dealer, and then provided it to the consumer under a hire purchase agreement - so the car is owned by the hire purchase company (not the consumer). Hire purchase agreements are covered by the Supply of Goods (Implied Terms) Act 1973. This says there are implied conditions in a hire purchase agreement, including a condition that the goods will be of satisfactory quality and will be fit for purpose. (Implied conditions are those that can be assumed to be included in the agreement, even if they do not actually appear in writing.) So where a consumer has a complaint about faults in a car that was bought by means of a hire purchase agreement, we can consider the complaint if it has been made against the hire purchase business. We are not able to pursue such complaints if they are made against the dealer. This is not just because the selling of cars is not a consumer credit activity but because, under a hire purchase agreement, the dealer does not sell the car to the consumer. In our experience, some businesses encourage consumers to complain to the dealer in these circumstances, which adds to the consumer's confusion. Send the following amended template, send it Recorded Delivery. http://www.adviceguide.org.uk/england/letters/introduction_to_letter_on_supply_of_goods__implied_terms__act_1973_a http://www.adviceguide.org.uk/england/consumer_e/consumer_different_ways_of_buying_e/consumer_buying_goods_and_services_on_credit_or_by_debit_card_e/consumer_ways_you_can_buy_on_credit_e/supply_of_goods__implied_terms__act_1973_-_hire_purchase_agreement.htm

Hi beanyboo Welcome to CAG How did you pay?, Credit Card or Debit Card. Have a read of the following:- Guidance for Second Hand Car dealers:- http://www.norfolk.gov.uk/view/NCC094699

US and Cuba are to start talks to normalise diplomatic ties in a historic shift in relations between the two countries, US officials say. The US is also looking to open an embassy in Havana in the coming months. The moves are part of a deal that saw the release of American Alan Gross by Cuba and includes the release of three Cubans jailed in Florida for spying. US President Barack Obama will later hail the "most significant changes in US policy towards Cuba in 50 years". http://www.bbc.co.uk/news/world-us-canada-30516740

They definately won't withold your travel history. Go to your local underground station, ask for a complete printout. Take some ID with you. How do I appeal against a penalty fare? You have 21 days to appeal against a penalty fare, whether you have paid it or not. Transport for London has to explain why you should pay it. However, if you continue to dispute the payment after 21 days, you could be taken to the county court. If you want to appeal within the first 21 days, write to the Independent Appeals Service. If you are unsuccessful, you’ll be told in the decision letter about the next stage of the appeal process to Transport for London. If that fails, the appeal goes to the final stage which is an Independent Appeals Panel. If you think you have been unfairly treated when getting a penalty fare or appealing, you can complain in writing or using an online form. http://www.adviceguide.org.uk/wales/consumer_w/travel_leisure_and_food_e/consumer_transport_e/consumer_public_transport_e/consumer_buses_e/bus_penalty_fares.htm The Industry Experts will provide further advice as soon as they are available.

Hi infinity2022 Welcome to CAG You've got a history of purchasing tickets which is great, you can access your account online, or pop into a station for that. They sent a letter to you to request further info, but you haven't received it. Have they sent you a Penalty Fare (£80) now ? You can still write to them, it's not too late. Explain what happened with a print out of your travel history highlighting the 'tap in' before your card was stolen.

Well Done Myfamily, glad it's been sorted.

Hi Myfamily Have you contacted your bank? They might be able to reverse the transaction. http://www.directdebit.co.uk/directdebitexplained/pages/directdebitguarantee.aspx

I'm sure that's all covered in the Employee Handbook. Who said anything about 'singled out'? Doesn't seem to be much managing at all, it's all reacting to events, the company aren't being proactive to individual needs, they seem to be using the 'one fit's' all process.

Let us know how you get on.

Contact your Card Provider, ask to carry out a Chargeback. Follow up with an amended 'template', send it Recorded Delivery. Expect them to play 'hardball', send them the evidence you have with the letter, pics etc. http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback Chargeback's are time sensitive, you have 120 days.

You don't need to think, you can 'Google' it, just need to type in the right stuff.

Can anyone name the film from the plot below:- '............................................................................................................................................................................. .............................................................................................................................................................................. ..............................................................................................................................................................................'.

Did you take any proof of previous payments for your previous travel on the TFL network? The TFL may have evidence from your friend reporting the card stolen, your defence should be' why was it reported 'stolen' shortly after you were caught using it? Why wasn't it reported 'stolen' during the month or so, that you were actually using it? I take it you are awaiting a letter or Summons from them? You need update the thread with what they decide to do. Then you can consider writing to them again for an out of court settlement, a long shot, but worth doing. You are co-operating with them and went to the interview which is good.