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Everything posted by AlexOT

  1. Thank you for your reply. When I spoke to Halifax about putting the money back into my account he told me that there are some guidelines that they like to adhere to but answered indirectly when I asked for more details and to confirm whether these are just guidelines or whether they are lawful practice. I find it strange that it could be lawful for them to take money out of someone's account, regardless of reason, without contacting them first. I think you're probably right that they will want it back ASAP. I just wonder what the lawful procedure would be and if there have been any s
  2. Hi all, Please could you help with the following issue. Around the 25th Oct 2015, I was due to complete on a few property transactions after buying at auction. On one of them, the finance deal that I had in place collapsed and I was forced to find another method of payment and so my Dad and other family members to see if I could get some cash together. Fortunately, they were able to help and I got the funds through in time to pay. Long story short, my Dad went into his local branch and did a CHAPS transfer for £25,000 which the bank sent to me twice. At the time, I didn't know h
  3. "You are required to appear at 9:45hrs on 20/11/2013 at Swansea Magistrates' Court held at... to answer to the charge that on the 06/08/2013 you were the registered keeper of vehicle ... which did not meet the insurance requirements, contrary to section 144A(1) of the Road Traffic Act 1988" the car in question was written off in an accident on the 03 dec 2012... i didnt notify them of that straight away because i wasnt aware that i needed to they sent me a letter after (cant remember exact date) saying that i needed to pay a fine because of it which i did (the date i paid was th
  4. Thanks for the reply Yeah I shouldnt really generalise this by saying up north is ok but that isnt themain point. Would that have held up do you think if it was and was within the appeal timeframe? Main thing is that she actually boarded at a non penalty fare station so none of this should be happening at all but wasnt sure how that all works outside of the 21 day thing Ive sent an appeal ircas now so will see what happens next and probably post the result.. lets hope for the best!
  5. Fair enough.. better to pay less than more. Just frustrating she didnt say anything to me sooner.. wouldve posted on here and sorted it! I only know a little about fare stations.. not enough to say much but she didnt know at all and thoyght was ok to get tickets on the train like she does up north. Isnt too much of a problem.. just a little frustrating to know if that if correct information was either given by her/written by them it would be nothing
  6. I realise its late but better to ask late than not at all.. it is convenient to board at the airport seeing as I live 2 minutes from there and 20 from victoria. Im sure if necessary camera checks can confirm this?
  7. Good afternoon all! I will list the series of events leading to where we are now and hope that someone may be able to best advise me on what action to take moving forward: 11th june girlfriend came to visit in southend (goes uni in lancaster) 12th june gets a train from southend airport to stratford train was there so didnt get on the ticket before boarding (says its normal up north to be able to get tickets on train so didnt know) ticket inspector comes round and asks where started from and she said southend ticket inspector put down southend victoria instead of southend air
  8. On the court summons there was a contact phone number for the prosecutions department which I called today. I explained the situation and that obviously I did not want to go to court. The guy seemed very helpful and said that if I send over details of the new railcard that I have then it may be able to be sorted but with an administrative charge. I've now done that and waiting to hear back. Thanks for the replies. I figure from what you've said it would be best to proceed in this way as I'm guessing I have no chance of getting a better result if going through court? Also, if I
  9. Asked and bought at ticket office And charges are: Entering a train for the purpose of travelling without a ticket entitling travel
  10. Hey all On 3rd Dec 2012, I had to travel from Enfield Chase to Southend Central. I had never done this journey before so asked at the ticket desk the best route. He told me which way to go and so I bought a ticket using a 16-25 railcard which was not checked. Turns out the railcard was a few days out of date and a RPI pointed this out when inspecting my ticket. My issue is that I could barely understand a word she said and had very little knowledge on what to do in the situation. I gave her my details after she pointed to 'name' etc on her pad. I handed over my driving licence to mak
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