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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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train E Ticket refused


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I bought an E-Ticket for new years day this year travelling from Manchester Piccadilly to Bristol Temple Meads and lost it before travelling. I was unable to print another on the 1/01 because I couldn't find an open Cyber cafe and and Manchester piccadily had no printing equipment. I had a picture of the ticket on my phone which included my order reference, bank details and seat reservation in my name. this however was not valid enough for the conductor on the train who insisted that I purchase a ticket then and there but assured me that I would be able to get a full refund. It has taken this long for Country and Western to review my situation and have not even given me are refund but train vouchers of a considerably less value than the ticket I had to purchase on the train. I would like complain about this and in particular the conductor who obviously lied to me about being able to get the refund. how would I go about this as I am not sure how Country and Western are connected to the conductor.

 

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E ticketing is simple, if you cannot show the details of the ticket, reference number etc then its treated as being not able to produce a valid ticket. A picture of a ticket cannot and will not be accepted as a ticket. Im suprised by their good will of offering you travel tickets to be honest as the conductor was quite within his rights to mae you buy a new ticket.

 

Who are country and western?

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Hi Bojak

 

Welcome to CAG

 

Write a Formal Letter of Complaint, mark it as such. Explain whats happened, how they have let you down (what was said to you) and what you want them to do. Send it to:-

 

Andy Cooper, Chief Executive

[email protected]

 

Some tips:- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

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E-ticket / print@home: For some bookings we allow you to print your own ticket.

 

You must ensure that you print the ticket clearly on A4 paper and carry the ticket with you when you travel.

 

For identification purposes you must also carry the credit/debit card used to make the booking (If tickets have been booked for more than one passenger, all passengers should travel together and the lead passenger must carry the credit/debit card used to make the booking).

 

Tickets are non-transferable and you must ensure that no one else is able to obtain and/or print a copy of your ticket.

 

Some train operating companies apply additional restrictions to the use of e-ticket / print@home – you must note any additional restrictions notified during the booking process.

 

M-tickets / Mobile tickets: For some bookings we allow you to travel with paperless tickets delivered to your mobile phone ("M-tickets"), booked either through the Website, or via our Mobile Application.

 

When booking such tickets via the Website, you must check that your mobile phone is compatible with our tickets by downloading a test ticket where indicated prior to purchase.

 

It is your responsibility to ensure that you carry your mobile phone on the relevant journey and that your phone is charged, functional and that you are able to display the ticket for inspection when you travel.

 

Due to the wide variety of mobile phone handsets and networks we are unable to offer technical support or assistance.

 

You may incur data usage charges from your mobile phone operator for downloading a ticket. You should check with your network provider as to what charges may apply.

 

For identification purposes you must also carry the credit/debit card used to make the booking (If tickets have been booked for more than one passenger, all passengers should travel together and the lead passenger must carry the credit/debit card used to make the booking).

 

We shall not provide duplicate or replacement tickets. The ticket must be stored on your mobile phone until the date and time of travel and such safekeeping shall be your responsibility. M-Tickets are non-transferable.

 

By purchasing a M-Ticket, you agree to cooperate with the train inspector and let him/her clearly view the ticket on your mobile phone and you acknowledge that you may be requested to hand over your mobile phone voluntarily for inspection. If you do not produce your ticket or hand over your mobile phone upon a request to do so by the train inspector, the train inspector shall be entitled to consider that you are travelling without a ticket.

 

Some train operating companies apply additional restrictions to the use of M-Tickets – you must note any additional restrictions notified during the booking process.

 

The T&C's you signed upto.

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Hi Bojak

 

Welcome to CAG

 

Write a Formal Letter of Complaint, mark it as such. Explain whats happened, how they have let you down (what was said to you) and what you want them to do. Send it to:-

 

Andy Cooper, Chief Executive

[email protected]

 

Some tips:- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

 

What's the point in writing to the CEO, when there is a Customer Relations department who have already more than fairly compensated a customer who broke the T&Cs anyway?

 

This would be an excercise in wasting time IMO!

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I bought an E-Ticket for new years day this year travelling from Manchester Piccadilly to Bristol Temple Meads and lost it before travelling. I was unable to print another on the 1/01 because I couldn't find an open Cyber cafe and and Manchester piccadily had no printing equipment. I had a picture of the ticket on my phone which included my order reference, bank details and seat reservation in my name. this however was not valid enough for the conductor on the train who insisted that I purchase a ticket then and there but assured me that I would be able to get a full refund. It has taken this long for Country and Western to review my situation and have not even given me are refund but train vouchers of a considerably less value than the ticket I had to purchase on the train. I would like complain about this and in particular the conductor who obviously lied to me about being able to get the refund. how would I go about this as I am not sure how Country and Western are connected to the conductor. Thanks

 

 

I'm a bit confused by this one. Just who you mean by Country and Western I'm not sure, but I guess you mean either Cross Country, or First Great Western train operating company.

 

Pictures of tickets are never acceptable. This is to prevent the obvious attempt to 'fiddle' where one person uses the ticket and another says 'I've lost my ticket, but I've got a photo of it.'

 

I have to say that the terms & conditions for E-tickets are very clear. If you fail to comply in any material way, you are treated as having no ticket and a full single fare becomes due.

 

Most substantially reduced fare, booked in advance tickets are restricted to travel on a particular train with free seat reservation and have no refund value. That is again a part of the terms & conditions accepted at the time of purchase. If you have been given vouchers in compensation, it seems that the TOC has been more generous than is sometimes the case.

 

The reason that you have received less than you paid for a replacement single ticket on train may be that they have refunded the amount of the ticket you lost as a gesture of goodwill. The single charged on train under the rules will be the full walk-up fare

 

If you lost it, they were not obliged to give you anything.

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'this however was not valid enough for the conductor on the train who insisted that I purchase a ticket then and there but assured me that I would be able to get a full refund.'

 

Well, if you think it's acceptable for representatives of the company to provide consumers with the wrong information then clearly consumers should just accept it and do nothing. It's all well and good saying to the consumer, 'it says it in the Terms and Conditions' but how comes the representative from CrossCountryTrains was clueless regarding the 'Terms and Conditions'.

 

What's the point in writing to the CEO, when there is a Customer Relations department who have already more than fairly compensated a customer who broke the T&Cs anyway?

 

This would be an excercise in wasting time IMO!

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As always, we only have the OPs version of what was said.

 

Sorry rebel, I agree with you from the journey details it seems likely that it was CrossCountry, but the OP doesn't even seem to be sure about that so why would you be so sure that the inspector said anything of the sort?.

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That goes for virtually every single person that visits this site, we have to go by the information they provide. I don't think the OP spends a lot of time studying which train company operates which routes.

 

As always, we only have the OPs version of what was said. I agree with you, it seems likely that it was CrossCountry but the OP doesn't even seem to be sure about that.
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That goes for virtually every single person that visits this site, we have to go by the information they provide. I don't think the OP spends a lot of time studying which train company operates which routes.

 

I agree, we have to go by what is posted. That doesn't automatically make it true in every case.

 

Surely the OP knows who issued the vouchers and if more travellers did check whose services they were using and what the tickets were valid for, many issues about whether tickets are valid or not would be resolved :-)

 

None of us would expect to use an EasyJet ticket and if there was a problem be refunded the British Airways fare would we?

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When people come to this site they get all sorts of things wrong, especially names, a genuine error on the name, easily done.

 

I'm not sure where the following is going, but I'll leave it with you, 'None of us would expect to use an EasyJet ticket and if there was a problem be refunded the British Airways fare would we?'

 

 

I agree, we have to go by what is posted. That doesn't automatically make it true in every case.

 

Surely the OP knows who issued the vouchers and if more travellers did check whose services they were using and what the tickets were valid for, many issues about whether tickets are valid or not would be resolved :-)

 

None of us would expect to use an EasyJet ticket and if there was a problem be refunded the British Airways fare would we?

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It must be Crosscountry as FGW only do E-tickets on some Oxford-London tickets, as for not knowing who the TOC was, surely the fact that they have had letters from the TOC which were no doubt on headed paper should explain that!

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 agree RPI, but my point about the lack of confirmation wasn't so much about which TOC it was on, it's pretty clear to us 'in the trade' that it must have been XC, the point was meant to illustrate the fact that we are expected to believe as 'gospel' the OPs recollection of the actual words used by an inspector, but the OP cannot even recall which train company they were on.

 

As always, only one side of a story. I shall leave it at that.

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Thank you all for your advice and my apologies.

 

It was not Country and Western but CrossCountry that I purchased the E-ticket from. I was aware when buying the ticket that I was required to bring the E-ticket print out for the journey. and telephoned the company on the 01/01 hours before my train when I went to a friends to print the ticket. We unfortunately had technical problems with his printer, and so I contacted the CrossCoutry help line who stated that I would need the print out. i then proceeded to try and find a Cyber Cafe (not an easy task on the 01/01) and there was no equipment to print with at the train station. I understand the contractual agreement with the original purchase.

 

my initial confusion between CrossCountry and the conductor was their connection, as the conductor said that I would need to get my refund through them but advised me I would be able to get a refund on the ticket (wit

Edited by bojak
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Out of curiosity! if I had video footage of the the conductor lying about the ticket refund without his knowledge and not advising him that I was recording and then putting that video on Youtube would I be breaking any laws?

 

Thanks

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Out of curiosity! if I had video footage of the the conductor lying about the ticket refund without his knowledge and not advising him that I was recording and then putting that video on Youtube would I be breaking any laws?

 

Thanks

No, it is a public place so there is no expectation of privacy.
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Out of curiosity! if I had video footage of the the conductor lying about the ticket refund without his knowledge and not advising him that I was recording and then putting that video on Youtube would I be breaking any laws?

 

Thanks

 

I agree with SRPO, you need to be careful if the RPI didn't know you were filming. If you tell me whether you actually have the footage, I can ask the site team if it's OK to put it on youtube in the light of a potential court case.

 

There's still the possible issue that you had 2 weeks to print the e-ticket but left it until the last minute.

 

My best, HB

Illegitimi non carborundum

 

 

 

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With regard to any 'print at home' tickets, where they are available, it is always the travellers' responsibility to print these on 'clean white paper' as specified in the terms & conditions of issue and use. Reference to printer problems not being the responsibility of the rail company is made in the conditions of issue. These terms are accepted by the person booking the ticket and there are other specific conditions that must be observed too.

 

If any traveller does not comply with these terms, the rules make clear that they will be 'treated as if no ticket is held'.

 

There is a commonly held belief amongst some travellers that, if you do not print off the ticket, but travel and just show the booking reference, you can apply for a refund on the 'unused' ticket, because it wasn't printed and hasn't been stamped. This is not true because all these tickets are reduced fare & train specific and the terms make clear they have no refund value, but it doesn't stop some unscrupulous people trying it.

 

These tickets also usually require the traveller to show a form of identity and the card that the booking was made with in order to prevent second prints, or photocopies being used by other people to avoid a fare. Where that is attempted and detected there will be a prosecution for fare evasion.

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No, it is a public place so there is no expectation of privacy.

 

The railway (or any part of it) is not a public place as far as I know.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

 

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For future reference - theres a printer in the Virgin lounge - ask nicely and they usually will help.

 

Also we have printed these off for people in Boots before, but as we are restricted to the websites we can visit you would have to be able to email the ticket to a member of staff with an email address.

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