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    • Its just come to my attention that a friend has been getting pressure from a company called ACT credit management. They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form. This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.   I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair.    Thanks in advance
    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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No, I've not been cautioned before.

Hi, not confusing a police caution to being cautioned, did the inspector read you a caution i.e. "you do not have to say anything, but...... blah blah"?

If so then the TOC will probably deal with it with their in house prosecutuions unit, unfortunately, due to the seriousness of what you were caught for they probably will proceed with prosecution.

 

I'm sure some of the more seasoned posters on here will agree that when the TOC write to you then don't let it lie and get in contact with them.

 

This sort of fare evasion is in-part responsible for fare increases all the time!

Views expressed in this forum by me are my own personal opinion and you take it on face value! I make any comments to the best of my knowledge but you take my advice at your own risk.

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At the end of the day you realise what you've done is wrong and you regret it, when they write to you ring them up and tell them that you know you've been stupid, and that you are prepared to pay the fare and any cost's that the TOC has incurred so fare and then hope for the best!

 

Which TOC operates the station?

 

Good luck!

Views expressed in this forum by me are my own personal opinion and you take it on face value! I make any comments to the best of my knowledge but you take my advice at your own risk.

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Toc is FCC.

You say that you have not travel yet, did you insert the ticket into the barriers & proceed to travel on a train then get stopped by the inspector?

More likely the barriers were program to monitor such type of ticket and that's why you were stopped.

FCC will likely push for prosecution because of the intent and the withdraw of tickets etc.

You would be very lucky if the inspector made a mistake, FCC inspectors mainly use a pro-forma pad for reporting fare evasion.

If the job was done in the notebook they may be mistakes but this is very unlucky as most of the questions would be from the pro-forma with the odd extra questions.

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This sort of fare evasion is in-part responsible for fare increases all the time!

 

Although, privatisation, TOC greediness, Union Power is a lot more responsible, although avoiding train fares is wrong, it is very widespread, people feel ripped off by the extortianate prices charges and sometimes avoid them, i was recently suprised when this topic came up amongst a group of friends and nearly everyone had/still does avoid fares at some time or another.

 

Don't worry..Jail won't be an option !..Just a lil fine.

 

Andy

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Andy, how do you know?

 

I'm worried that it might be seen as persistent because I've been doing it for a period of time.

 

Im pretty certain that no-one ever has been sent to jail for fare evasion, it just doesnt happen. You are hardly a menace to society, judges realise this !. Put that thought out of your mind, as suggested, just write a grovelling letter, I was in same situation, I got a fine of about £150.

 

Andy

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Andy, it's comforting to know, but I can't put that thought out of my mind. Could you give brief details of what you did (how long, how often) so I may compare it to my own situation?

 

Hhmm.,.I had a ticket that wasn't valid for the full journey, an inspector asked to see it and on seeing it wasnt valid asked me some questions which I refused to answer except my name and address. He asked if i had an Oyster card, i said yes and he took this (if ever I was in the same situation again i'd deff say no as it was right hassle to get it back and it was loaded with quite a bit of money).

 

I then got a letter saying i was going to be prosecuted and asking for any mitigating circumstances, I pointed out I had spent about 8 grand on the 3 previous years buying annual season tickets (they could check this) and I recieved a fine of 115 I think and costs of 40.

 

To be honest its no big deal, the worrying aspect is that it may involve some sort of criminal record, there have been other threads on here about this aspect but its unclear wether its a full criminal record, does it show up on CRB/Visa checks, does it expire, etc.

 

Unless there are valid legal reasons to get out of it, id just grovel, point out other circumstances where you bought a season ticket, etc. id be tempted to point out its hardly crime of the century but i guess you shouldnt !

 

There are some peeps on here who are involved in fare evasion/collection and hopefully they will pop in and inform you more and what to expect.

 

Andy

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Thanks Andy. But you see the difference is that you were caught for the one trip. I was avoiding paying the season ticket and I think they can check it was something I had been regularly doing. One of the inspectors mentioned it could be fraud because it happened over a period. I'm worried that the matter may be turned over to BTP, but I suppose until I get a letter from them I won't know... I travel between other stations as well and have always bought correct tickets - it's just on that journey where the travel cost eats so much into my take-home pay that I stupidly resorted to what I did. Shouldn't have, never will, really worried! Any advice would be appreciated.

 

I see what you are saying, the ticket in your possession was a year old ?. Therefore it implies that you've been using it for a year, although there may be no actual proof of this.

 

I don't think BTP are likely to be involved in the prosecution, TOC's have enough legal clout to take you to court by themselves.

 

You may need help to ensure that this is dealt with as a one off incident instead of something that has been going on for a while, lets hope someone more knowledgeable pops in.

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I see what you are saying, the ticket in your possession was a year old ?. Therefore it implies that you've been using it for a year, although there may be no actual proof of this.

 

I don't think BTP are likely to be involved in the prosecution, TOC's have enough legal clout to take you to court by themselves.

 

You may need help to ensure that this is dealt with as a one off incident instead of something that has been going on for a while, lets hope someone more knowledgeable pops in.

If the correct questions were asked by the inspector, and Jason replied to these in the way the Inspector wanted, the only actual proof that would be needed where available would be any tickets that have been seiized as evidence.

 

Regarding Prison, Jason, I very much doubt you'll be going there if you're generally of good character and haven't been a pain to Magistrates in the past! It is however quite possible for sentences to involve prison if the Magistarte deems it appropriate, and I'm sure it's been done before, too!

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Oh God I am so sick with worry I can't stop pressing F5 every few seconds...

 

Dont worry, it will be quite a while till anything happens, how much do you think you've actually 'saved' by not buying a ticket ?. Prob best not to answer this if you think you can be identified by your posts.

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