Hi, Hopefully can help/ offer advice. I have received a letter from South Eastern's Prosecutions Office regarding avoiding payment of fare informing me that the matter has been provisionally authorized for prosecution and inviting me to make any comments regarding the incident. I was traveling with a zone 1-2 travelcard and I was caught at a zone 6 station, I normally have pay as you go top but on this occasion I didnt and I had also travelled by the same means in the 4 days prior to the offense date, I however had a zone 1-6 travel card the previous month and only got the 1-2 because I was working for an agency and hence not sure how long the job will last for and buy a 1 month zone 1-6 travel card but rather the 1-2 and I added a £15 which had been exhausted on the said day. I totally agreed I evaded fare because I did not touch in at the start of my journey but had to touch out at the end in the zone 1-2. I regret my action and had since suffered panic attacks and anxiety waiting for the letter to arrive. The total evaded fare was calculated to be around £55. I would like to settle out of court and pay any necessary admin cost because a criminal record is have devastating effect on me an my family simply because I have only ever worked within the NHS for the last 8 years and hence a record will render me completely useless. I am willing to settle out of court ASAP because lesson learnt for me, it is not worth the heartache whatsoever. Please advice because I have to send the letter today as I only just saw it, kids misplaced letter since it arrived. So I have to fax a copy today and also send it by recorded delivery for monday. Thanks in advance.

Hi All Hoping some can help, I have a payday loan out with the Loan Store, I got into a bit of difficulty and was unable to keep up with my payments. Since then I have been having trouble. I have a bank account with Co operative Bank. I have stopped using them and my account is empty, and Loan store has their details. I do not have any over draft on this account. Yet Loan store have been able to still take amounts from this account, I have spoken with them and told them to stop as i do not have the money, and they are bringing me into unauthorized over draft, they have said that they have a continuous payment authority and they are within their rights to take it. I have read about these continuous payment authorities and know that they should stop taking it if i instruct them to. I also know my bank should stop them if I ask them to, I have had many conversations with the bank about this and they claim that they cannot stop the payments, I read the FSA's guidelines to the bank on the issue and was still told they could not stop it. What the bank is saying is that although it comes up as a continuous payment authority it is not. They say they could stop it if it was. What it is, is a Pre authorized payment which they cannot stop. So far the loan store has taken over 3 months , 1st month £35 - 2nd month £96 - 3rd £60, all in a unauthorized overdraft. I have never heard of a Pre authorized payment anyone have any ideas on this one. The Guy in the collections Department of the bank said it is a new thing and he has not seen many.