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    • So what time did you buy the permit and what time did you arrive at the barrier where this happened??
    • Have they referred to a judgment in  Dubai? If not dont request it.   They are not interested what your financial circumstances are...so do not disclose them.
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    • Thanks guys. So using the form that you have provided...   I am ticking box C to say that I dont know whether I owe the debt, box G to say that I am seeking legal advice and Box I asking for copies of the credit agreement, full summary of account detailing all interest and charges, details of the interest calculation, details of the administration charges, a copy of the notice of assignment and a copy of the judgement obtained in Dubai? Does all that sound right?   I was thinking that it might be in my interests to show them my income/expenditure as they will see that I am a single mum, working part-time and receiving benefits?
    • We have looked at the ticket options for the exact time travelled.   it is not possible to buy an on peak ticket at the time I left the departure station   There is no option   There is only one option.  The cheaper fare.  that is all I knew!!  The cheap fare.   So when I arrive and they detain me, threaten me with fines and force me to pay the higher 50% more fare. I found that very stressful as I suffer from anxiety anyway. I also would have had to pay a fine if I did not have enough cash in my pocket. (I found later that I needed my cash in town)   The box office confirmed they were overcharging at the turn-styles.   I walk back and tell them they over charged me again.   The ' turn-style crew '  agree to a refund , without checking. Thats odd isnt it !  They didn't need to check or to confirm. They knew I was entitled and agree to a refund.   Why did they not say.  "well, we need to check that first!!"  And if they can check. why did they not check before?    Then I complain that a refund is not adequate by itself to prevent this from happening again,  Yet....   Although a refund is imminent as they agreed. The supervisor again tries to blame me for not buying the ticket at the departure station.  Even though I had a permit to travel.   So, i hope you see what I am saying here? Do you see how hardcore they are to pass blame and fine people!!  Who trained these people?  Am I really expected to complain to the same company who oversees this nonsense?   He then again lied, yes again, trying to inspire fear for a fine. Claiming I missed my first chance to buy and said that the permit machine is always on, that it is irrelevant and useless and that I should have paid at the touch screen ticket computer, that it takes cash ( this is wrong!!). (Previously he had smirked saying it is his home station that he uses it all the time). I said that it was not true, that  i could not pay in full and it is not my fault, he said it was my fault and when he could not lie any more, without warning, had me thrown out the station by security with no refund and I was told I could not even catch my train home!!!   Amazing!    They did everything to fob me off to overcharge me.  There is no cash facility at my home station, only the faulty permit ticket machine that seems to only take one type of coin,  that thankfully.......thankfully I had that particular coin, by chance, as the pound coins would not work..they were spat out. Else I would have been in serious serious trouble with these people. There are much higher fines without a permit to travel.   (Important side note regards the elderly. As an adult with reasonably strong hands, even I find it ' very hard '  to remove the permit ticket made of thick card, it is very tough to do. How do elderly people remove the ticket or even a child? I really cannot see that happening. It really is that bad at my station)   regards to a question above, I am not sure what a z ticket is, I have an M on mine.?   We have read the code of conduct and there are multiple references to the staff helping people get the right ticket. and considering there was only one ticket for a return that day, that should not have been a hard thing to do, at all.   Yet they have a button they can press to over charge  Who programmed that into their machine and told them to press it?   Thank you for reading.  
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Beanie1

Advantage Loans?

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Hiya, Apologies if this is in the wrong forum.

 

My wife applied online at the weekend for a loan and Advantage loans have now written to us advising that they have secured a creditor and all we need to pay is £49.99 to arrange the loan. In the letter there is no consumer credit act or DD guarantee. I am a bit dubious about them asking for an arrangement fee so backed out until I have looked for further advice

 

A quick search on the internet and it seems they are a trading company of CGS Post Net (who?) and there are a lot of negative comments around regarding post net.

 

Has anyone any experience of using Advantage loans or Cgs Post net and are they a company to be trusted?


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  • £713 WON from BOS

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Its a cunning ply. You pay £49.99 you then receive contact from several companies, you are not actually guaranteed a loan. I personally wouldn't go down this route. You'd be better off finding your own loan company.

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Don't fall for this, it will wreck your credit rating with about 20 odd searches in one day.... they are known to be poor at finding the best loan anyway.

 

You will be bombarded with letters, emails and phonecalls about loans where you have to pay a further 'fee' of up to £100 to be 'guaranteed' the best rate.

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thanks for the replies folks, gonna skip this one I think.

 

A few years ago I would have gone for it, after being a member of this forum and seeing others getting into stuff I think its wise to seek advice before committing to anything.

 

Thanks again


Halifax + BOS

  • £1300 WON from Halifax
  • £713 WON from BOS

Have I helped? tip the scales

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Hi I have have just taken a loan out with advantage finance company to purchase a car, however I was told that they would provide a free years suscription to experian at no cost.

I have discovered they have charged me over three hundred pounds for this, added of course to the loan, but was told on the phone that i had to take the subscription to show I intended to take steps to improve my credit rating, is this legal, and can i get my money back...sounds like a new ppi type [problem] for comission?frown.gif

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