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Found 5 results

  1. HI I have 3 outstanding accounts with Lowell. Totaling approx £3000. They are quite old accounts but not statue barred. I called today and offered to repay 40% of the total amount in order to help repair my credit file and clear these off. It would be on a repayment plan over 15 months. They agreed to this but advised that the debt will be marked as partially satisfied on my credit file and this doesn't look good on a credit file. I imagine there is some element of truth to this but obviously not as bad as unpaid! Is partially satisfied a bad indicator for potential new cre
  2. Hi everyone, Please could I ask for your kind help with my response to the upcoming Tfl letter I am very worried about going court and getting a criminal record I was stopped by a Tfl inspector for using my husband's discounted student oyster photocard yesterday. Here is the situation: I have my own standard oyster card with monthly pass and my husband (aged 25) has his own discounted student oyster photo card with monthly pass (both zone 1-2). On 17 May my monthly pass expired (there is balance) which I forgot to renew on 18th morning I took my husband's
  3. Thank you to all who contributed to this forum. I have worked my way through as many post as I can, and it has helped me to calm down since getting cautioned by an inspector on the tube. It was very distressing for me and really affected my day to day activities for the first 48 hours or so. The letter that I had been expecting came today and one thing that struck me was how it does not ask me to comment on the incident. It merely asked me to fill out the form on the reverse side. It reads: 1. If you deny committing an offence, please explain why. Plea
  4. Help Please, Was caught on 3rd of October with my sister in law discounted oyster card , at the time i didn't know it was discounted card. she wasn't using it anymore cause they issued her freedom bus pass. The day i borrowed the card, i couldn't find my card which is discounted as well from the job center so i had to borrow. when i explained to the inspector he didn't believe me and took my details anyway. 4 weeks later i received a letter to explain what happen and replied with sincere apology followed the explanation and told them that am unemployed. Today i received a letter to app
  5. Hi, I have read other threads in this section of the forum and found the feedback by senior members to be very positive so I was hoping if you would please help advise me on my case. At the end of June, I was on the bus when I was found using my father's discounted Oyster card by the ticketing inspector. Up until this point I was unaware that I had accidentally picked up my father's Oyster card until the ticketing inspector had asked me "Do you have the photocard for this pass? These passes are not transferable?" and I replied "It's my dad's" knowingly at that point I had picked up the wr
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