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    • Creditors Name / Brand Acct Ref POD Balance Received (£) Claim Admitted (Y/N) Cabot Financial IVA 33749505 642.90 Y Cabot Financial IVA 35707961 8,162.07 Y Direct Legal Collections Q5180215 0.00 N Direct Legal Collections Q5185144 0.00 N Ee 157920642 0.00 N HMRC VAS JN434119D 0.00 N Lantern UK IVA M6152941 284.68 N Lloyds Bank IVA 6288 2,692.00 N Lloyds Bank IVA 30963530231568 5,596.00 N Lowell Financial 300092756 1,014.00 Y Lowell Financial 294767660 228.00 Y Lowell Financial 274783943 1,538.00 N Lowell Financial 241096338 1,343.68 Y Lowell Financial 280654617 22,446.00 Y Lowell Financial 264807132 1,189.00 Y Lowell Group 263221038 246.00 Y Perch Capital E0QZ6R22 0.00 N Zopa IVA E04E25C3B7434C8361 0.00 N Total Unsecured Creditors 58,978.33 Total SOA Claim 58,692.00 Fees and Costs £ £ Fee Type Proposed Approved Nominee Fee 1,900.00 1,900.00 Supervisor Fee 1,750.00 1,260.00 Disbursements 0.00 31.00 Adjournment Fee 0.00 0.00 Dividends Approved Dividends at first MOC (p in £) 8.87 Revised Estimated Dividend  (p in £) 8.83 Total Dividends Paid to Date (£) 276.29 Dividends Paid to Date  (p in £) 0.78 Case Details Income and Expenditure Reviewed N Arrears (Y/N) N Value of Arrears (£) 0.00 Current Balance at Bank 185.72 No. of Months Arrears 0 Original Duration of IVA 60 Payment Break Agreed (Y/N) N Current Duration of IVA 60 Breach Notice Issued (Y/N) N Subject: Request for Settlement Proposal Due to Changed Circumstances   I am writing to discuss the current status of my Individual Voluntary Arrangement (IVA), now in its 36th month. Following a recent income and expenditure review with a debt charity this morning, it has become clear that my financial situation has deteriorated significantly, making the continuation of the agreed monthly repayment of £140 unfeasible.   The primary reason for my financial hardship remains the ongoing health challenges faced by my two Sons, which have necessitated frequent hospital visits and medical care since 2017.    As a result, my employment opportunities are limited, and I am self-employed with Uber Eats to accommodate their medical appointments, hospital stays, and monthly infusions.   It is crucial to highlight that pursuing Debt Relief Orders (DRO) or bankruptcy would not yield any additional funds for creditors, as I reside in rented accommodation and possess no other assets or savings.   Furthermore, I do not foresee a change or improvement in my circumstances in the foreseeable future due to the long-term nature of my children's health conditions, and the health issues I am now suffering for to the stress of this IVA.    I have faithfully maintained my IVA payments for 36 months without missing a single installment. Regrettably, my situation has become increasingly untenable, leading to depression, anxiety, and suicidal thoughts related to the financial strain of the IVA.    To avoid defaulting on payments, I have resorted to borrowing money from friends and family, resulting in a further deterioration of my health and consequently even more debt which is definitely not the solution I expected from you.   Based on my recent income and expenditure assessment, I am currently experiencing a monthly deficit of approximately £650 due to the escalating cost of living. Therefore, I respectfully request that you propose an early settlement to my creditors, based on the payments made to date, taking into consideration the exceptional circumstances surrounding my children's health and my own mental well-being. My wife too is unwell and unable to work leaving me to look after them all with zero support from the government or council.    If it is not deemed appropriate to request an early settlement, I will have no alternative but to cancel the IVA and manage my creditors directly.   Additionally, I must convey my dissatisfaction with the service provided by Creditfix, to whom I have been referred from Hanover. The level of service at Creditfix has not met acceptable standards, and I feel confused and unsupported throughout this process. Despite my worsening situation, Creditfix has shown little interest in understanding my circumstances and instead has pressured me to increase payments. Your last email requesting modification and an increase in payments clearly demonstrated to me that you have no interest or concern for my family or my welfare and are our solely to get what you as much as you can, giving zero regard to my situation.    Lastly, I want to clarify that I have exhausted all avenues of financial support, and I do not have any friends or family who can lend me further funds to cover the outstanding amount on the IVA.   I appreciate your understanding and assistance in this matter. Please advise on the next steps and provide any necessary documentation to facilitate the negotiation of a settlement with my creditors.   I have attached a copy of my latest income and expenditure form that I completed this morning that shows how struggling I am right now and can't afford to pay this any longer.    Thank you for your attention to this urgent matter. I eagerly await your response.   Yours sincerely,
    • No because telling a story in your statement chronologically it would be out of run sequence. 
    • I have just sent my IVA company the following letter in going to wait to see it credit fox accept my request to put to my creditors or request to accept payments so far as my full settlement but I suspect credit fix will try they're best to avoid that happening - I'm confident the credited will agree but getting credit fix to agree is another story.    I have today sent them the following letter and if they don't accept I'll stop the agreement and ignore and on that instance plese help me clear all my issues guys as I'm sure I'll need lots of help to get the likes of lowell and Cabot of my back.    I do know that most thus debt was taken out around 2009 and 10 and some in 2015 meaning the original debt are all. Over 6 years for sure and I hope you guys can guide me how to deal with them now  firstly below is a list of all the creditors with amounts and some are duplicate and then followed by the letter I just sent to iva company 
    • I see CEL accepted all the stuff about you being a genuine customer and offered to settle the matter for £20. What was your logic for refusing their offer of settlement? I'm not saying you were wrong, we have plenty of cases where motorists have quite rightly told the PPCs where to stuff their £20 offers.  Just interested in your reasons for making the decisions you have been making about your case.  
    • Because its not connected to this claim.....Ideally if you had received the claim you would have requested information pursuant to CPR 31.14 and a CCA request for the agreement. DSAR only reveals your personal data held which would be minimal with the this claimant. You can leave it in if you desire but it adds no weight to your statement.   .
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Why do so many people come on this forum with the same old excuses, I forgot my travel card, I accidently used my nans freedom pass, I dont speak English very well, how can I appeal against this unjust nasty fine, the ticket collector just wanted to rip me off, the fares are too dear I cant afford the fare as I am a student, low paid worker, need to spend money on beer etc

 

I dont work on the railway or tube system I am just an ordinary commuter

who pays £44 a week on a 1-5 zone travel card, yes its expensive but its my choice to work so far from home.

 

If I was stupid enough to lose my card which is difficult bearing in mind I travel on a bus, two tube lines, overground then another bus, I woudnt expect some hard pressed ticket collector who has heard the same story 100 times that day already to have any sympathy for me and why should he?, I would expect to be treated as a potential fare dodger and get a fine

 

How many people here whould expect to take a chicken from Tesco without paying and expect the store to let you off as you forgot your purse, fare evasion for what ever reason is the same, it's stealing, FGS most of us use the travel network everyday we know we need to pay for it

 

So sorry I have no sympathy for yet another whiner caught in the act and trying to wriggle out of it

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Let me elaborate

Last Tuesday Clapham to Hayes Middx and back again

1. Bus to Brixton - no problem as I was the only one getting on the bus and I have a ticket

Victoria Line Brixton

guy went into the barrier before me, stopped - no ticket or Oystercard stood there hoping I would be stupid enough to scan my Oyster so he could go through barrier ( I aint that dumb) Fare Dodger 1

Bakerloo line to Paddington

Ticket inspectors on train, girl in carriage had child ticket ( was about 19) got caught Fare Dodger 2

Paddington to Hayes

group of young lads thrown of train no tickets Fare dodgers 3-6

Bus from Station

2 school boys ( about 14) jumped on bus through middle doors - no oyster cards FD 7-9

 

Journey back

Bus to station young couple with buggy used middle doors to get on bus, no attempt to go to the front and produce tickets until driver calls them possible FD 10-11 ( I didnt include the baby)

 

Now I know its a long journey I have but possible 11 fare dodgers in one day? its not typical I grant you but almost everyday I see at least one person stopped for fare evasion

 

And how many of these people are on boards like this complaining they are being picked on or bellyaching about fines

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Next time you are waiting for a train at a gated station, just watch how many people double-up behind ticket holding passengers.....most of them will be wearing suits.

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MadamFluff, it is incredibly refreshing to read such a post from someone who has to use these services every day.

 

I have worked in this industry for 30 years and still in revenue & prosecutions, I just feel compelled to thank you for putting into words publicly what those of us involved already know and what it seems likely that the vast majority of commuters must see every day, but either turn a blind eye to or, many actually condone.

 

Fare Evasion is a serious and costly anti-social activity. It is not a socially acceptable, victimless crime as so many people seem to imagine.

 

It is sheer hypocrisy for so many to rightly condemn our MPs for ripping off the expenses system and then to go out intending to travel on public transport without paying, day after day.

 

It's time all of our society stopped constantly passing the buck and making excuses for every little individual failure and got back to taking responsibility for all of our own actions.

 

Of course, we all do make mistakes and in my experience, with rare exceptions, rail staff do generally allow discretion when a genuine error occurs.

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After 15 years doing a revenue protection role, in part or in whole, I have to concur.

As a RP manager I lost count on a weekly basis of the number of people who tried to excuse their blatant thievery with lamentations to whomever was listening of how diabolically ****e the train service is/was in their humble opinion and how their theft was in some way legitimised in a 'robin hood stylee'.

 

Yes, of course it is/was, perhaps you'd like to tell us all about it WHEN and IF you ever become a 'customer'?

 

Of course, the problem here is that 'legitimate' grievances where occasionally, the RP/Prosecution system inevitably fails are inevitably biased and influenced by the vast majority of instances where out and out theft is clear.

 

I am of the opinion that, whilst I realise the level of evidence required is much, much higher and costs also, that prosecution of persistent offenders should be done under the theft act and not the railway byelaws, therefore actually giving a real disincentive to what is commonly and wrongly IMHO regarded as low level victimless crime.

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...I am of the opinion that, whilst I realise the level of evidence required is much, much higher and costs also, that prosecution of persistent offenders should be done under the theft act and not the railway byelaws, therefore actually giving a real disincentive to what is commonly and wrongly IMHO regarded as low level victimless crime.

 

Which section would you recommend?

 

What difference do you think this would make?

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Which section would you recommend?

 

What difference do you think this would make?

 

I'm no expert on the theft act per se, but would have thought that the far higher penalties upon conviction would deter?

i.e. up to 5 years imprisonment?

 

I'm thinking of mainly those who forge season tickets or whom regularly and persistently avoid payment, perhaps the fraud act would be more appropriate?

 

Would appreciate others views.

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Your original post related to persistant offenders, in real terms the penalties imposed under the RR Act are a bit higher than retail theft offences, and there is the option of imprisonment on both.

The theft act requires a substantial level of proof for a conviction, there are a number of points to prove.

S5,3 of the RR Act is almost a strict liabilty offence, although intent to avoid needs to be proved, Lord Justice Woolf said in Corbyn -v- Saunders that the intent that must be proved is the intent to avoid the obligation to buy a ticket prior to travelling. This in effect means that as long as facilities were available, if you dont buy a ticket before travelling you can get done for Fare Evasion, even if you fully intended to pay on the train or at your destination.

It is a powerful piece of legislation.

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  • 1 year later...

I just had to 'bump' this thread, it is so different from all the others in this forum.

 

An old friend of mine, now no longer with us, used to tell the story of 'the last bus from Grays to Tilbury'. During the 2nd World War, in the blackout, there was a bus that left Grays after the 'pictures'. (In those days, Grays had two cinemas, that is a whole different story, read about Morrisons & the State Cinema)

 

All the passengers on the crowded last (and blacked out bus) gave the 'clippie' the short answer, and didn't pay fares. As the financial record showed that no one used the bus, the company stopped running it.

 

If people want a service, one way or another, it has to be paid for. People who do not pay fares are simply not customers.

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Yes, I've heard that story before and it is mirrored by more local examples right across the public transport network.

Before Reading barriers were introduced less than 15% of passengers using the 23.39 Reading to Gatwick service actually paid for their fares.

This was initially an estimate: but after a large revenue protection programme of checks it was proved and this wasn't a just one off either, it was checked on a random basis throughout most months of the year and at various stations throughout the journey and on train, it varied between 7% at worst and 30% at best.

A lot of this was not helped by the normal ticket checking staff getting so much routine abuse, & threats of violence they simply stayed in the van for the entire journey, and the train became largely the domain for drunken louts on their way home after a night out in Reading and woe betide anyone using it with their families to catch a plane from Gatwick!

 

Frankly a notice being put up at all stations along the line was a suggestion made at that time with the threat of withdrawing this 'service' due to it's 'non use'.

Unfortunately/fortunately the regulators don't allow withdrawal of services even if non use is proven to a large extent.

However this example gave a good incentive to those who had to approve the expense and manning of the barriers.

 

I did however work a train which had a 'one door stop' (ie only one door would be platformed) at a local station once, after checking all the tickets and getting told to 'f**k off and mind your own business' by 3 nasty little chavs, I pulled into said station and seeing no-one on the platform and knowing no one had shown me a ticket to this stop, I signalled the driver to depart, as we were on time.

 

Guess what? the three rude little f**kwits wanted this particular stop and got off at the next station some 8 miles further on, one of them came to the window (HST droplight) as were pulling out again and said 'whens the next train back?'

Childish I know.......I thoroughly enjoyed it when I replied '7.30.................a.m.!' (it was 22.20!)

 

You reaps what you sows.........:p

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I've "heard" that when the new barriers at London Waterloo went live in January 2009, there was something stupid like an 800% increase in single tickets to Vauxhall being sold, as well as Child Tickets. This prompted some action... ;)

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Blimming ada I had forgotton about this - I am so pleased to say that I no longer have to travel from Clapham to Hayes having moved to sunny ( but not today) Isle of Wight

where I now walk to work and admire the sea views as I do so.

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Blimming ada I had forgotton about this - I am so pleased to say that I no longer have to travel from Clapham to Hayes having moved to sunny ( but not today) Isle of Wight

where I now walk to work and admire the sea views as I do so.

 

I can vouch for that!

 

Please Note

 

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

I would always urge to seek professional advice for clarification prior to taking any action.

Please click my reputation button at the bottom of my profile window on the left if you found my advice useful.

 

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  • 3 months later...

I would just like to point out, that at the moment the government are saying if you get found with a knife, you will walk away with a caution, however not paying your tube fare will get you a criminal conviction...highly disproportionate don't you think?

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A caution is in effect a criminal conviction as it will show on CRB checks.

As for the Justice Secretary deciding its too expensive to jail knife carrying thugs, well its ok for him as he has half a dozen armed police around him 24/7.

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Knife crime is an 'interesting' subject. The original position that 'carry a knife and go to jail' was itself one of those political knee jerks that wasn't properly thought out in the first place. The cost of 'binning people up' is huge, and there does need to be some differentiation between 'carrying', 'intending to use' and 'using'.

 

About 18 months ago, I found myself in the unlikley situation with the prosecutor for my local railway and an off duty policeman in refereeing a matter between an Inspector and a noisy kid fare dodger. (aged about 16) He was a weeny (if loud) numpty, and during the 'discussion', he was found to have a knife on him. He would not have had the nerve to 'pull' his knife, it would have been difficult to open, and if he had done his best to stab me, it probably would not have gone through my jacket, much less the layer of fat that protects my vital organs. (I claim that it is relaxed muscle, you know how it is)

 

The constable took the knife, used some stern words, job done. The idea of putting said Numpty into one of Her Majsties hotels for the young and wayward was simply not a sensible choice for him. He would have come out, knowing how to make a better blade, and how to use it, as well as having more than a few chips on his miniscule shoulders.

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When you study 'law', and crime & punishment, there are many strange anomolies.

 

The 'Ground Game Act' was (in it's most original form) a tool for keeping the peasants poor and the 'lords of the manors' rich. Time and usage have now made it quite a good bit of law against 'coursing' and other reprehensible behaviours, but when first written, it was a horrible and devisive law. In my early days, I watched a case for ABH followed by a case for 'no TV licence'. It was the latter that got the higher punishment.

 

No one said that 'law' is entirely fair, and a Magistrates Court is a Court of Law, not a Court of Justice. My experience is that most, if not all, Magistrates do their very best to apply justice and good common sense.

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Hmmm, I think this post probably angers me more.

 

So this numpty not only tried to dodge a ticket, but also had a knife on him got a stern word from a policeman thus allowing him to go on his way and most likely to do the same thing again, whereas someone with prospects of a bright future in architecture (may or may not be talking about myself) may find that completing the last 3 years of a 7 year course that she has pulled herself apart in order to do well in may not be possible for her because 1 stupid mistake of using her mums freedom pass to go to the first interview that has come up in months, after not having a job for a year because she is searching for architecture jobs (that incidentally dont exist because the government s**t all over architects) all the while not claiming benefits.

 

Now I thoroughly understand what I did was wrong, but I repeat...slightly disproportional

I also do not believe that anyone carrying a knife should be put in jail, that would be unsustainable, but criminal charge for fare evasion...once, after a lifetime of good behaviour, whereas these people get stern words...

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Ooops. Didn't mean to anger anyone.

 

There are many 'offences' which potentially carry criminal charges. Doesn't mean that they are all charged and heard in Court.

 

For the majority of people caught without having the correct ticket, the outcome will be a penalty fare, on the route where I 'know' the stats (not accurately, just what I am told) out of every 100 people caught, 80 get a penalty fare, 20 are reported for 'consideration' of prosecution.

 

I understand that less than half the people 'reported' end up in Court.

 

Of those, some are charged with the non recordable Byelaw offence, and some the 'more serious' Regulation of Railways act offence which is recordable.

 

The only people for whom there may be an effect on employment are those who will be working in finance, law, or 'children'. And I do not know of anyone who has not been allowed to work in those industries purely for one conviction for fare evasion.

 

The one case I do know where fare evasion led to sacking, the actual dismissal was because the fare evader was also defruading his employer by obtaining loans to pay for his travel, getting a season ticket, photocopying it, obtaining a refund on the genuine ticket, not just avoiding one rail fare.

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No systems are ever entirely fair. If you are entirely legal with the registration of your car, and then go through a speed camera, you will get dealt with. If you have not registered, taxed, insured your car, and go through the same speed camera, you will get away with it, until you are caught more thoroughly and 'done' for the other offences.

 

I don't approve of carrying a knife, I do, however, recognise that not everybody who does should go immediately to prison. And even railway prosecutors are happy to tell people who have been caught without a ticket, methods by which they can avoid going to Court. I think, and hope, that everyone involved in legal processes wants a fair outcome, but recognises that the outcomes are not always fair.

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