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    • Lowell has recently bought over one of my old debts and in chasing me for payment have sent details of the debt to my ex-wife via email. Let me first start by saying i do owe the debt and I don't dispute it; whether it is unenforceable I don't know and this post/thread isn't to find that out. Lowell bought this debt earlier in the year for an account I ran between 2021 and this year before falling behind with payments and the debt eventually being sold off despite my attempts to deal with the original creditor. Lowell have sent me ONE letter in respect of the debt before reaching out via email to my ex-wife, giving information about the original creditor and the amount owed. I'm very concerned that Lowell have adopted this approach as I thought contacting a friend or relative about a debt was outlawed by FCA, but to find they have done this has left me shocked and a little embarrassed. I'm also concerned that they have potentially breached GDPR by sharing details with a third party without my consent. While there's little personal data given aside from the creditor and amount, I am mentioned by first initial and surname in the email sent to my ex-wife. I've never used this email account, have never had access to it and it has no connection to the original creditor so I have no idea why Lowell would use it to try to reach me. I've made a complaint to Lowell both about the communication being sent to a third party and potential GDPR breach, but should I be doing anything else?
    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
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Peak & Off Peak Charges: British Rail


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I was traveling from Oxford to Plymouth, And made the mistake of getting on the train during

The So call 'London Peak time'.

 

The train was about 20mins away from Taunton, when the ticket inspector asked me for a ticket.

He said it was wrong and wanted an extra £100:!: for peak charge.

I said i didn't have the cash:violin:, So he asked for card.

I gave him my Electron card, but they don't except them

So he told me to get of at Taunton, I did this. And asked the Taunton B.R staff, and was told it was now off-peak times.

So i only had to wait 5mins for next train, and saved £100!

 

Morale of the story, don't always go for the best type of bank card!:-)

mers.com/"]http://www.ofcom.org.uk/

 

If in doubt Say No!

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The rule that some types of debit cards cannot be used on train isn't the rail company's rule.

 

It is the rule of the banks that issue them and is notified to the holder when they are issued.

 

What it actually says is, that the card can only be used where there is an electonic means of checking the credit and because not all trains can have that facility when travelling some don't accept them.

 

The rule about ticket validity is that to be accepted as valid to travel any ticket must be valid for all of the following:

 

1. the day and date of travel

2. the places and route of the journey

3. the time of the train being used

4. the class of accomodation occupied.

 

If a ticket is purchased for off-peak travel from station X it is only valid for trains that are timed to leave that station during the period that is specified as 'off peak period'

 

That means that if a train leaves outside the 'off-peak' period, the 'off-peak' ticket is not valid on that train no matter where you get on it.

 

Hope that helps

 

.

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Yes Thanks,

 

The off-peak time at Oxford ends 2:30 pm, I got on at 4pm-ish(totally forgot about peak times)

And got asked for the ticket on the train at 6:30pm.

 

*It's kind of nuts, that train are only meant for rich people?:-x

It can cost 7-8(+) times more to travel by train than car.

 

And you can't always gets a coach or a bus, and I'm not really into the arm-pit in my face lifestyle!:|

mers.com/"]http://www.ofcom.org.uk/

 

If in doubt Say No!

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There seems to be many aspects to the original 'complaint'.

 

Payment by card. Whilst most traders accept most cards, thankfully, they are not 'legal tender'. It is my view that 'cards' are a retrograde step from all of the magnificent legislation introduced to give freedom to the ordinary citizen. The banks and 'business' set the rules regarding who may have one and how they may be used. (Buy me a pint or seven, stand back and accept a lecture on 'freedom and the manipulative efforts of banks and business' to enslave the ordinary man in the street)

 

Railway 'ticket rules'. When a ticket is bought, the validity of that ticket is explained, most often in the 'National Conditions of Carriage', but with many tickets for 'longer' journeys, by the clerk issuing that ticket.

 

Prices: Many people complain that fares are 'too high'. The setting of fares is, for the most part, carried out 'above' the train operating company. The Association of Train Operating Companies and the Department for Transport 'agree' fares across the country. Some fares are set by individual companies, but they tend to be the 'special offer', cheap fares. If, as a nation, we want 'cheaper' fares, then as a nation, we would need to agree to higher Government subsidy for train operators. I look at my local situation, and if fares were (for example) halved, the train capacity could not cope with the increase in passengers, and neither would the car parks near the station, as bus 'feeder routes' would not cope with the increase either. In truth, most of the local commuters use the train because it is quicker than a car, and still cheaper as a result of fuel, parking and congestion charging costs.

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Using a car is only cheaper if you already have one. When you take into account road tax, insurance and 'capital outlay', the train is often cheaper.

 

My town is basically a car park, too many cars all over the place.

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  • 2 weeks later...

It appears that the 'inspector' was extremely reasonable in allowing to leave the train at Taunton without obtaining your details for further action.

 

 

Nevertheless, I am sure that as a discerning and undoubtedly, law abiding citizen; you will be making the payment for the distance travelled to Taunton on the invalid ticket, to the TOC concerned.

Edited by Maxwell TM
Typos :-)

Quis custodiet ipsos custodes? :razz:

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My favourite railway has one price for all classes, at any time of day. Admittedly it doesn't go very far, but all of the passengers enjoy the ride, and return every Sunday.

 

Instead of clicking on links to the Daily Mail, you could search for the Canvey Railway on the internet.

 

I hasten to add that I have no connection or financial interest with that superb outfit. My local mainline claims to run 90something % of trains on time. Canvey run 100%, as they don't have a timetable.

 

Trains do sometimes have difficulties with slugs on the rail head though.

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What a wonderful image. Sadly, I am not in that one! I am not camera shy, just that most camera owners are concerned about frightening their children. For the serious (miniature) anoraks, please note that the track is dual guage. Think how many more excuses that can generate! The club has tracks for 3 1/2", 5" elevated, 5" ground level and 7 1/4" guage locomotives.

 

Don't tell 'real railways' about driver's pay though. The drivers bring their own trains and pay for the privilege of driving them. The insurance company insist that all trains have a guard, and that the platform will be staffed whenever passenger trains are being run. Bit of a contrast to full size practice. The nearest 'mainline station' doesn't have any staff on site until some time after the first train, and staff leave site long before the last one.

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Don't tell 'real railways' about driver's pay though. The drivers bring their own trains and pay for the privilege of driving them. The insurance company insist that all trains have a guard, and that the platform will be staffed whenever passenger trains are being run.

 

 

Speaking as an RMT mole....:-D

Quis custodiet ipsos custodes? :razz:

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  • 3 weeks later...

TOCs don't like Electron cards because these need to be authorised in real time, something that is not always possible on the move. AFAIK, this is the only reason they are not accepted on board. They can however, be used at booking offices and possibly in some TVMs

Quis custodiet ipsos custodes? :razz:

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