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    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • then there is your proof to them why would you pay for BB twice!!   for my notes: GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS   .....  We have been telling people to put a letter into their bank instructing them  not to make any payments under any circumstances to these companies  . http://whatconsumer.co.uk/visa-debit-chargeback/- it works! usually this should be done using the number on your debit card  .  banks MUST follow written intructions from their customers ! . CANCELLING YOUR DEBIT CARD DOES NOT STOP CPA'S  .  This fsa guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-account  .  Here's the text:  .  Cancelling a regular  card payment:  .  When you give your credit or debit card details to a company and authorise them to take regular payments from your account,   such as for a gym membership or magazine subscription,  it is known as a ‘recurring transaction’ or ‘continuous payment authority’.  . These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.  .  In most cases, regular payments can be cancelled by telling the company taking the payments.   .  However,   you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.   Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.  .  Be aware, though, that you will still be responsible for paying any money that you owe. and that CANCELLING YOUR CARD WILL NOT STOP THE CPA  .  ..  .  New june 2013  .  Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.  .  Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement   by contacting their card provider, the Financial Conduct Authority said.  .  The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)   due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.  .  CPAs, which are also commonly called recurring transactions or recurring payments,   are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.  .  Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when   a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by   mistake following cancellation by a customer the customer will be refunded immediately.  .  In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-  cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints   since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.  .  Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today   customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.   . “We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.   From now on we expect them to be getting this right. In addition, they have committed to review past complaints.” .  .  Also mentioned your displeasure that as whomever took your money had obviously attempted this many times   probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.? .  .In the FSA's own words:  .  ..  What should I do about a payment from my account that I didn’t authorise?  .  Your bank must refund an unauthorised transaction.   Money can only be taken from your account if you have authorised the transaction   or if your bank can prove you were at fault –  . see below.  Contact your bank immediately if you notice an unauthorised payment from your account. .  If you are sure you did not authorise the payment, you can claim a refund.  .  However, your bank does not have to refund you if you do not tell it about the payment until 13 months  or more after the date it left your account.  .  Your bank must refund an unauthorised transaction  .  ------------------  .  Your bank may only refuse a refund for an unauthorised transaction if:  .  ? it can prove you authorised the transaction  – though your bank cannot simply say that use of your password,   card and PIN proves you authorised a payment; or .  ? it can prove you are at fault because you acted fraudulently,   or because you deliberately,   or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction  .  -----------------------  .  How quickly must my bank refund me for an unauthorised transaction?  .  The bank must make the refund immediately unless it has evidence that one of the above reasons applies.   Your bank may ask you to answer some questions and fill out a form confirming what has happened,   but it cannot delay your refund while it waits for you to return the form.  If the bank has evidence that one of the above reasons for refusing a refund applies,   it may investigate before making a refund   but must look into it as quickly as possible.   If your bank rejects your claim for a refund it should explain why.  If the transaction was on a credit card, the refund may not happen immediately.   But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay        
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On the 9th June I had to attend an interview for a job in Colchester. I made my journey from Grays and decided to buy a travelcard as I thought this would cover my journey. I was wrong, as I boarded the train an inspector informed me that the ticket I had was not valid for the journey, instead of making me pay the excess he gave me a penalty fare. As I was not able to get home from Colchester (the inspector informed me I had the wrong ticket so there was no chance of getting home) I was forced to cancel the interview and went home from Harold Wood (and NOT Colchester as the penalty fare suggests).

 

According to the Penalty Fare Rules

“If a passenger travels on a train on which their ticket is not valid, it is more likely that the restrictions were not properly explained to them than that they are deliberately trying to avoid paying the right fare. We believe that it is up to the train operators to make sure that each passenger understands the restrictions which apply to the ticket which they are sold. Under rule 7, a passenger may not be charged a penalty fare if he or she has a ticket for the journey which they are making that is not valid on that train only because of a ticket restriction. In these cases, the passenger only needs to pay the excess fare, in line with the National Rail Conditions of Carriage.”

Wouldnt this mean that i only have to pay the excess and not recieve an actual penalty fare?

I have appealed twice and IAS have ignored the fact that I had didn't even realise that my ticket was not valid for that particular train. They have also ignored the fact that I didn't go to Colchester (I have proof- Had to phone the NHS, explain and cancel the interview).

I would really appreciate any advice anyone could give me on the matter.

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Your ticket was not 'restricted', it was not valid for the journey you were making.

It is not for the TOC to explain to a passenger who asks for a travelcard where that travelcard is & is not valid to, if you had told the sales agent where you were travelling to they would have sold you the cheapest available ticket.

 

Personally I dont think you have an argument.

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Quite right SRPO, this is not an advertised restriction but simply in-valid ticket, a certain amount of responability lies with the customer.

Once found somebody at Westbury with a travelcard claiming that they didnt know that zone 6 ended somewhere between Slough and Paddington!


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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I am a bit puzzled as to how someone can think a travelcard is valid for Colchester too.......Travelcards are for the London area (zones 1-6) and not Colchester or anywhere near.However, its not clear at what stop the ticket was inspected, surely the ticket would be valid from (I think), Grays to Shenfield (or Harold Wood) ?Andy

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Hello andy, I'm confused too.

 

For the uninformed [like myself], I found this on wikipedia explaining all the stations in the zone. I noticed Harold Wood, but I'm not sure I saw Grays.

 

http://en.wikipedia.org/wiki/List_of_stations_in_London_fare_zone_6

 

My best, HB


Illegitimi non carborundum

 

 

 

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Hello andy, I'm confused too.

 

For the uninformed [like myself], I found this on wikipedia explaining all the stations in the zone. I noticed Harold Wood, but I'm not sure I saw Grays.

 

http://en.wikipedia.org/wiki/List_of_stations_in_London_fare_zone_6

 

My best, HB

 

Grays is on the c2c branch line from Shoeburness/Southend to London, it didnt used to be in the travelcard zone at all, then they introduced the osytser extension permit thingie but now I believe it has changed, not sure what 'zone' it is in now, if at all, clearly buying a travelcard would enable you to travel to any of the TFL london zones, but Colchester is miles away towards North Essex, its obvious to me that its not (and never would be) included in one of the TFL Zones.But what I find strange is that the poster implies his tyicket was inspected straight away and issued a penalty charge, but surely if it was inspected straight away it would of been valid ?..surely it would only have been invalid when (if) the poster was on the shenfield to colchester train (which was I assume the way he would of gone).Perhaps it needs clarifying the route he intended to travel, I believe it would of been Grays - Romford - Upminster - Shenfield - Colchester ?Andy

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Hi Andy. From memory, about half those stations are on the list, although I haven't checked.

 

OP, if you can post more information please, I think it would help.

 

My best, HB


Illegitimi non carborundum

 

 

 

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A Grays - London Zones 1-6 Travelcard is not valid for travel to Colchester and to my knowledge, there is no publicity to suggest otherwise. This ticket would be valid up to the Zone 6 boundary on the Great Eastern line - a Boundary Zone 6 (NOT Harold Wood) to Colchester extension ticket would have been required in order for the OP to be covered. Travelling overdistance is quite clearly prohibited in Penalty Fare zones.

 

Grays in not in any Travelvard Zone - it is outside London. Oyster PAYG is in use there and special fares apply when travelling to/from there using Oyster PAYG.

.

What I don't get, is why the OP was PF'd. If I'm reading correctly, the OP was stopped on a train at some point between Liverpool Street and Harold Wood and advised to disembark at the latter. If this is true then the OP was never out of their area of validity.

 

Can we have the full story OP?

Edited by The Urbanite

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Use the M25 as a rough guide to where you can travel on a travelcard, if going outside it - check.

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.

What I don't get, is why the OP was PF'd. If I'm reading correctly, the OP was stopped on a train at some point between Liverpool Street and Harold Wood and advised to disembark at the latter. If this is true then the OP was never out of their area of validity.

 

Can we have the full story OP?

 

Yes, thats how I read it (and you explained it far more clearly than my post :)), it appears his ticket would of become invalid had he travelled onto his destination, but was valid at the time of checking, and he says he never went to the destination anyway, so its a mystery as to why he recived a penalty charge.

 

Andy

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