Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3999 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I got issued with a £20 fine for travelling without a ticket dispite having 2 years worth of monthly passes to show to the inspector as I was running late one morning.

 

No surprise my appeal was rejected, however I have not received any mail from IRCAS or the train company...

 

After looking at my fine I noticed he got a number wrong on my address, he read the details from my driving license and that is noted on the form.

 

Does this invalidate the fine? They are trying to charge me £50 now not paying on time (i sent my appeal in on the last day possible, it got rejected for being "late").

 

Yet I have still not received any mail at all regarding my fine. The train company said they sent me a letter, i never received that so I asked them by email and they emailed me a copy of the rejection fo appeal notice.

 

Is this fine still valid if it does not have my correct address on and they cannot contact me via mail?

 

Thanks guys!

Share this post


Link to post
Share on other sites

I know incorrect entries on parking/speeding fines make them invalid, I went out my way to contact them and they have just confirmed by email they have the wrong address.

 

If this went to court surely it would be thrown out due to invalid information on the fine?

 

The whole thing is such a [problem], I would have paid the fine happily if I hadnt paid over £90 a month for the past 2 years for an overcrowded and unreliable service, now they throw £50 at me to pay.... Well out of order.

 

Any advice would be great guys, I have told them I am not sending my address to them until I have saught advice.

Share this post


Link to post
Share on other sites

lets get this clear....u got penalty fare for £20..did you pay this penalty on the spot or at least the single fare for your journey??

Is this a unpaid fare notice or a penaly fare (two are different)??

 

This will not go to court if its a penatly fare, the railway company will try to recover the money but may find it hard as they have the wrong address

Share this post


Link to post
Share on other sites
I know incorrect entries on parking/speeding fines make them invalid, I went out my way to contact them and they have just confirmed by email they have the wrong address.

 

If this went to court surely it would be thrown out due to invalid information on the fine?

 

The whole thing is such a [problem], I would have paid the fine happily if I hadnt paid over £90 a month for the past 2 years for an overcrowded and unreliable service, now they throw £50 at me to pay.... Well out of order.

 

Any advice would be great guys, I have told them I am not sending my address to them until I have saught advice.

 

My sympathies to you (I am currently appealing a penalty fare from National Express East Anglia), I don't have any procedural or legal advice to pass on (as yet), however, given that you quite rightly label this as a "[problem]" I think that some co-operative public action is in order to try to press restrictions on the way the Penalty Fare Rules are implemented to curtail this form of crookery. The problem is the penalty is of a amount low enough for most people to pay up just to make the situation go away, so there may not be enough groundswell. In my books "stealth" earnings such as these are in the same category as corporate management bonus shams and recently unveiled banking malpractices.

Share this post


Link to post
Share on other sites

This is a penalty fare notice, I offered to pay it on the day but the inspector said they dont take money, I even told him I was about to buy my train pass, which I did, and the pass was valid on that day.

 

I have contacted them via email and confirmed they have the wrong address, he got my flat number wrong. I also told them I wont be passing them my correct address until I have spoken to Citizens Advice or saught some legal advice over the validity of the ticket.

 

The current fine stands at £50, which is the initial £20 penalty fare and the remaining £30 is admin charges from IRCAS (Debt collectors) for not paying on time and them having to send a letter, to the wrong address.

 

I am pretty much sure there is nothing they can do now they have my address wrong. I am waiting for a reply to my last email to them, they seem to have stopped responding since I confirmed they have the wrong address, guess I will find out what happens in the next few days but I know one thing is for sure... There is NO chance I am paying that fine. If I skipped fares often I would take it on the chin, but I dont and they get enough money from me as it for an unreliable, overcrowded service. :mad:

Share this post


Link to post
Share on other sites

I think you should know that they will have your correct address as they have access to a database of everyones address in the country.

In relation to penalty fares being a [problem], if there were no notices telling you that you will have to pay one if you dont buy a ticket before travelling then I would agree with you.

BTW, penalty fares were introduced to provide a simpler method of dealing with people rather than prosecuting them when they didnt buy tickets.

These days penalty fares are only issued to people who did not intend to avoid the fare, for example, those that couldnt be bothered to queue up. Those people that do intend to avoid the fare are prosecuted, and its a lot more than £20.

Share this post


Link to post
Share on other sites

These days penalty fares are only issued to people who did not intend to avoid the fare, for example, those that couldnt be bothered to queue up.

Or those that were totally unaware they were contravening any travel regulation as they had not been correctly advised by the network employee they inquired of, of travel restrictions on their ticket or pass.

Why can't those obvious cases simply pay the fare due and maybe a small administrative inconvenience fee (say 50p) instead. Why is it necessary to charge these hiked money-spinners?

Share this post


Link to post
Share on other sites

Hi NinjaFox, there are a couple of questions I'd like answered before I comment further on this one if you don't mind.

 

1. Did you sign the notice at the time of issue confirming the details were correctly recorded?

 

2. When you put in your appeal on the last possible date, did you give your correct address on your appeal letter?

Share this post


Link to post
Share on other sites

I did sign the fine... The 2 numbers are very similar and I didnt notice at a glance, I was more annoyed by the fact he wouldn't let me walk 20 yards to buy my pass.

 

I appealed by email and never put an address on it, I simply referred to the ticket reference number in the subject.

Share this post


Link to post
Share on other sites

Which train company service was this on?

 

The reason I ask is that some of these notices specifically state in print on them that appeals cannot be taken by email.

Share this post


Link to post
Share on other sites

London Midland

 

It says you can appeal by email on the notice.

Share this post


Link to post
Share on other sites
Is this a unpaid fare notice or a penaly fare (two are different)??

 

This will not go to court if its a penatly fare, the railway company will try to recover the money but may find it hard as they have the wrong address

 

It would be dangerous to rely on this as advice relating to Penalty Fares.

 

A penalty fare notice, which remains unpaid and not successfully appealed, may result in a prosecution.

 

The rules allow for this.

 

To facilitate this, the penalty notice is cancelled by the rail company at the end of the time period allowed for appeal or payment and a Summons is issued alleging that the traveller intended to avoid payment of the single fare for the journey.

 

In my experience, Magistrates convict more often than not if:

i) warning signs were in place,

ii) an opportunity to pay or appeal has been given

and

iii) the facilities were available to get a ticket

 

As for having the wrong address in this case, the rail company will point to the fact that the notice has been appealed and therefore is acknowledged by the person to whom it was issued.

 

These days, Courts accept service of a Summons by email as well as by post.

 

I am not saying that this is justified in this specific case, it may or may not be so and I do not doubt the OP's verion of events, but it is not true to say that the case could not be prosecuted.

Edited by Old-CodJA

Share this post


Link to post
Share on other sites

hi can any 1 possibly help me to day i bought a return train ticket from burnley to preston and i dint realsie it sed child on it and iam 18 and when i was going back into the preston train station in the afternoon i was stoped and he asked me why i had a child ticket i was trying to explain but he would not let me and now iam worried about how much the fine is going to be if any one can help me many thanks nick

 

p.s sorry for any spelling mistakes cheers.

Share this post


Link to post
Share on other sites
hi can any 1 possibly help me to day i bought a return train ticket from burnley to preston and i dint realsie it sed child on it and iam 18 and when i was going back into the preston train station in the afternoon i was stoped and he asked me why i had a child ticket i was trying to explain but he would not let me and now iam worried about how much the fine is going to be if any one can help me many thanks nick

 

p.s sorry for any spelling mistakes cheers.

 

Before I can offer you any advice I'd like a very important question answered.

 

Where did you buy your rail ticket?

 

Was it from the booking office?

Was it from a self-service machine?

Was it on line via the internet?

Was it from a rail accredited travel agent?

Was it from another source and if so, what?

 

Once I know the answer to that question I will give you a detailed reply.

Share this post


Link to post
Share on other sites

i bought the ticket from burnley centrel from the man at the counter aka booking office and i hadnt realised that it sed child until the afternoon when he had stoped me so im not to sure how much the fine is going to be many thanks for any help .

Share this post


Link to post
Share on other sites
i bought the ticket from burnley centrel from the man at the counter aka booking office and i hadnt realised that it sed child until the afternoon when he had stoped me so im not to sure how much the fine is going to be many thanks for any help .

 

You may not like what I am going to say, but bear with me for a moment.

 

It is quite easy to ascertain who sold you the ticket because every machine has it's own unique code and that goes for self-service machines too.

 

It is extremely unlikely that the Booking Clerk would have issued a child rate ticket unless you asked for it or, you or, someone on your behalf, gave some indication that you were entitled to a child rate ticket.

 

The default setting on ticket machines is 'Adult single', so this has to be altered in order to issue the discounted ticket.

 

Now, I did say 'unlikely', it is not totally impossible although I'm not going to elaborate on that for the moment, but I'll ask you a couple more questions first.

 

1. Were you travelling with someone else, perhaps someone younger?

 

2. What did you actually ask the clerk for?

Share this post


Link to post
Share on other sites

i was traveling on my own and i just simply asked for a return i did not specify wat type of retun i wanted and so he gave me a child one as i do not look 18

Share this post


Link to post
Share on other sites
i was traveling on my own and i just simply asked for a return i did not specify wat type of retun i wanted and so he gave me a child one as i do not look 18

 

Child rate tickets are only available to persons aged 5 to 15 years inclusive.

 

Anyone who is 16 years of age or over must purchase an adult rate ticket.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...