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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
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Caught using partners staff Oyster Pass - not got a nominee pass


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I got caught using my partners staff Oyster. I assumed as a partner I had rights to it.

 

I willingly showed the pass to the inspector as I thought it would not be a problem as I was a partner although I don’t have the nominee pass. However, it soon became clear to me that was not the case A signed statement was taken and the pass plus my photo ID was impounded. I admitted that I was using it and she did not know.

 

What are the most likely consequences of this?

Will I be prosecuted and if so what are the most likely outcomes?

Will this go on my record?

 

A report has to be made to staff travel by my partner.

 

I have always bought a monthly pass and used the Oyster for a very brief spell.

 

Is it advisable to seek legal advice or should we write to TFL stating our case as above?

I have not heard anything from the Prosecutions department. This would affect my career. What do they consider as extenuating circumstances?

Please advice. Any help will be greatly appreciated.

 

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You could potentially be prosecuted, and your partner could potentially lose his or her job. Unfortunately the ruling is quite clear (or it is with who I work for at least). I advise you to await correspondence from TfL via the post, and respond accordingly. I very much doubt you could plead extenuating circumstances, as there really aren't any, just that you claim you were unaware of the rules...

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It is most likely that you will receive a letter advising the intention to prosecute for the offence of 'intending to avoid a fare'. You should respond in writing, immediately that you receive that letter.

 

You say that her staff pass and your photo ID were impounded. What photo ID did you hold? Was this a former rail company type public season ticket photo-card or a staff dependent's photocard?

 

You say that you made clear that your partner did not know that you were using her staff Oyster, was she travelling for work on that day?

 

If not and if she genuinely did not know that you had taken it, there is very little likelihood of any repercussions for your partner other than a stiff warning regarding the use & security of staff travel facilities. If, on the other hand, she was aware and it can be shown that she knew you were using it, the consequences for your partner could be very severe.

 

You may not receive your letter immediately and this can sometimes take several weeks, but in a case such as this, it is most likely that the report to staff travel may be assessed before deciding what action to take with regard to your offence. The most important thing is that both you and your partner are completely truthful in answereing any questions that may arise

 

As 'dragonkeeper' points out, your declared knowledge that you needed to hold a nominee pass negates any claim that this was done through ignorance and in any case, ignorance of the rule is not a defence.

 

From your explanation, it is a clear case of you attempting to avoid a fare by using a pass to which you have no entitlement

 

As soon as you receive any letter, write back apologising and accepting liability, but offer to make any reasonable financial compensation with a request to settle the matter administratively. They don't have to agree, but will consider it if it means the company is saved a lot of admin work and their administration costs and adquate compesation have been paid.

 

 

.

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Thank you for your responses.

 

I did not declare that I needed to have a nominee pass, my partner told me that a statement to explain why I dont have the nominee pass and that its with a family member might be needed. My partner never explained to me how it works.

Its my season ticket photocard that they took and my partners oyster card, not the staff ID.

My partner was not going to work that day.

Edited by Sanla
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Thank you for your responses.

 

I did not declare that I needed to have a nominee pass, my partner told me that a statement to explain why I dont have the nominee pass and that its with a family member might be needed. My partner never explained to me how it works.

Its my season ticket photocard that they took and my partners oyster card, not the staff ID.

My partner was not going to work that day.

 

Regardless of whether you knew in advance or not, a named staff pass can only be used by the person named on it and you have a strict liability responsibility to hold a valid ticket of your own for the journey you were making.

 

Seizure of the pass and any photocard shown with it, for purposes of making a report is the correct procedure so far as revenue staff are concerned.

 

Wait for your verification letter and then respond promptly

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  • 7 months later...

It is not an answer at you question, but i am exactly in the same situation as you. I have done exactly the same thing as you. My partner has gone at work that day with his car and i took his pass from his wallet for only one week. He had no ideea that i took it and when they caught me i panicked and told him straight away what i have done.

 

He got completly mad and telling me that i put him in the risk of loosing his job. I wouldn't want to happen this to him because of me and my stupidness.

 

Do you think he's gonna be ok with the work. I will definitely declare what i have done and would go as far as i can so he doesn't have to have any problems at his work.

 

VP

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From stories I am told, it seems that abuse of staff and 'family/partner' of staff passes is increasing, from almost nil ten years ago to (on my local line) one or two a week.

 

I am not aware of any theories why this should be.

 

Staff travel is a privilege, and therefore may be removed, in some circumstances leading to the dismissal of the member of staff.

 

I do wonder if part of the problem is the slow change, in the distant past, railways provided housing for staff, the staff often tended to have long standing family connections with the railway, and being a 'railwayman' was often more a vocation than a job.

 

I see a 'lot' of LUL staff travelling to work from my nearest station, which is many miles away from the nearest LUL depots orstations, and I am told that a fair few 'Southern' and South East trains staff choose to live 'north of the Thames'.

 

I am told that new entrant staff are told what the conditions of use for their staff passes are, and that the application forms for 'partner' or 'dependants' passes come with all the terms and conditions.

 

I have previously asked my local line prosecutor 'how this type of offence is seen'. (He and I were discussing a case where a 'dependant', found using a staff pass, had assualted the Inspector who had caught him.) I got a fairly standard answer that each case will be viewed on its merits.

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Slightly off topic here, but it seems that not all staff using their passes know the rules themselves. Yes it's all very boring to read the various Terms & Conditions, but it can be interesting. For example I've seen staff use Priv Passes (discounts travel meaning the holder liable for only 25% of the standard fare!) for discounting tickets to get them to and from work if they live, for example, north of the river as Wriggler says. I once spoke to a colleague about this, and he was genuinely unaware that it was a no no, and frowned upon. As with most rules and laws though, ignorance is not a defence.

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I'm a london bus driver.

A few weeks ago revenue caught a woman useing her brothers staff pass on my bus, revenue said that they always try and go to court in these cases.

All I ask is to be treated fairly and lawfully.

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Rambo, and many other transport staff, will be aware of the general threat to jobs in 'public transport' following on from public spending cuts, and indeed issues such as the increased cost of fuel. Bus companies and train companies will be forced to look at methods of cutting costs.

 

People who avoid paying the correct fare are a pretty direct threat to the staff and families of staff who work in transport. I would fully understand revenue staff taking a strong line with abuses of privilege rated travel.

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  • dx100uk changed the title to Caught using partners staff Oyster Pass - not got a nominee pass
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