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    • I haven't travelled by train in the UK for a few years as I have been out of the country. Last week I went to my local station, Basingstoke, and asked for a return ticket to London Road. I can't remember the exact price, but the man at the counter told me it would cost over £30. I was shocked by the price as, when I last took this journey several years ago, I had only paid somewhere in the region of £10-15. My initial assumption was that he was selling me two singles instead of a return, but when I asked this he confirmed that he was selling me a return ticket. I then mentioned that I had been abroad for the last few years and made a comment about how I couldn't believe that the ticket had practically trebled in price during my absence. The man laughed and told me that the prices had gone up several times since then. I bought the ticket and passed through the barrier before going to the platform to wait for my train. While I was waiting at the platform, I was approached by a revenue protection officer who asked to see my ticket. I gave it to him and he asked me where I was going. I told him that I was going to visit a friend in Guildford. He then asked me why I had a ticket for Brighton if I was going to Guildford and showed me the ticket. It turns out that there are two stations named London Road and I had been sold a ticket to the station in Brighton instead. I told him that I had wondered why the ticket was so expensive and that I had mentioned to the man at the ticket office that the price was almost three times what I had paid several years ago. I thanked him for approaching me and told him that I would go back to the ticket office for a refund and the correct ticket. He told me that he would need to keep my ticket as evidence as he would be issuing me with a penalty fare for attempting to travel with an invalid ticket. I explained to him that it seemed to be an honest mistake by the ticket office. I asked him if he could come to the ticket office with me, so that he could speak to the man who sold me the ticket, since he could explain that I had never said 'Brighton' and that he had accidentally sold me the wrong ticket. He refused to do this, then told me that he deals with fare dodgers every day and knows how to spot them. I then pointed out that Brighton was further than Guildford and that I had spent more on the ticket, so I asked how I was supposed to be attempting to dodge a fare by purchasing a more expensive ticket. He told me to save it for court, took my details, issued me with a penalty fare, told me that I would be hearing from them soon and escorted me back to the barriers. I went to the queue at the ticket office hoping to speak to the man who sold me the ticket but, while I was queuing, the revenue protection officer approached me and told me that I had to leave the station. When I asked why, he told me that I was banned from the station and that if I didn't leave he would call the police and report me for trespassing. I left. What happens next?
    • Hi there again.  Sorry it took a bit of time as I had to get my tenant to forward my mail.  So this is what I have received. Hearing Date 15 November 12 noon - Telephone Hearing - 1hr - Bristol County Court   So I need to: File with the court and serve the other parties with any skeleton argument in respect of my application So basically I send an email with my the subject line format; “10am 21.05.13 Smith v Jones 1BS12345”. With my application I have to send through any documents that I intend to rely on at my hearing Also I have to makes sure the other party is copied in.  Do I just use their email: [email protected]?   Your advice now would be so gratefully received - ie. how to make an application and what documents I need to substantiate my application. Notice of Hearing P1.pdf
    • Right, following my recent trip to London, I was delayed a total a 24h by BA due to a flight change.   Timeline of events: Flight booked - June 2021 2 weeks after booking, got a email saying that my connecting flight had been moved 1h earlier, so I have -5m to make the connection. Meaning my first flight will arrive 5 minutes after my second flight had departed. Now, that email did not offer me a change to an alternative or instruct me to contact them.   I asked on the BA forums (not official) and I was told that the flights are "ages away", I am "panicking over nothing" and, this is the best one, "the system will pick up problems like these". So I did nothing.   And nothing.   Until 20 hours before my first flight, they phoned me up. They offered me a flight 3 hours earlier so that I can make my connection, which I refused as it will cause disruption to my day. So they put me onto the next day's flight as my connection is the last flight of the day. There is an option of the first flight of the day which I also refused. Either way, even with the first flight, it will still put me over 12h later than the booked time.   My question is, does this makes me eligible for compensation? I am not quite up to speed with the post-Brexit rules, but I believe the timeframes still apply?   Thanks
    • The authority issued a notice to owner and claim that the pcn was served on you at the time.   As Michael Browne has rightly pointed out, if you drove away before service was effected (i.e. handed to you or affixed to the vehicle) and the CEO had begun to issue the pcn, then they must serve the pcn under regulation 10. This also doubles up as the notice to owner.   If this reaches the adjudicator, it will be your word against the CEO and it will be their contempraneous notes that will interest the adjudicator.   Photos are not required under the regulations and are of evidentiary value only. The fact they only have one, of the back of your car, strongly supports your version of events. Nor does taking photos form a part of the 'beginning to issue a pcn' process (source: London Councils).   I would make it clear to the authority that you intend to contest this to the tribunal if necessary. It costs them money when this happens, so they may well not contest.
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Clearaccount asking for bank passwords


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Whilst looking to get a quick loan (stupid I know) I came across this site. All was going well until the last page where they wanted by digital banking code, passwords etc? :jaw: I stopped the application immediately and got an email from them ..... see below

 

Why do we need the last page to be completed?

We need your online banking credentials in order to connect to your bank account so we can display your transactions and trigger payments in and out of your account.

At ClearAccount, we promise to keep all your personal details safe and secure. The security of any information you share with us and your privacy are our top priorities. That's why we use the same 128-bit encryption and physical security that your bank does.

ClearAccount is a "read-only" service. Our unswerving commitment to your security means we cannot control your bank account or make payments to third parties.

 

Are they kidding? As if I would ever give out these details to anyone. Sure it must be a [problem]......hopefully no-one has done this and i hope no-one will! I may need the money but not by giving out these details!

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There is a whole bunch of similar sites out in the wild, they are the newest fad in extreme high cost / regulation dodging lending, as payday lenders will face more and more regulation the loan sharks running them will simply find a new thing to make money of.

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There are companies that have products that do require that information legitimately (I think Egg have one), and from what I can tell ClearAccount aren't a PDL as such (they only put money in to cover your overdraft).

 

I still wouldn't give them my details though, as your bank T&Cs will state the bank will wash their hands of any responsibility if you give your details out, and you're a victim of fraud.

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An 'automatic trigger' is in my opinion does not take into account 'affordability'. Not only that but by giving this company your banking passwords could compromise your contract with your bank.....what would happen for instance if you got into trouble or an unexpected bill came up and THEY changed your password....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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from what I can tell ClearAccount aren't a PDL as such (they only put money in to cover your overdraft).

 

yes, they are not a pdl, thats one of the devious details about it, if the government steps in and puts some proper regulation in place for pdl it won't affect them and it will take years of problems again until the government steps in again.

 

However, both this form of lending as well as pdl are extreme high cost lending, plus there are some obvious connections between clearaccount and mem finance.

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I used them and give them my details which at the time i thought was crazy but was desperate for cash, only for them to e-mail me saying due to my previous records they can't offer me any loan...

 

I did have another 2 loan that had just been taking off so they obviously knew i was taking other loans out..

 

had a few months wages paid in from then and no monies went missing.

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Yeah I am sure that your right, and they are “probably” ok to use, but in this day and age any company asking for online banking details must be mad.

 

I did feel really silly after it but i think it could possibly be better than them doing a credit check, this way they see your credits and if all looks good and you are genuinely struggling with monies due to insurance, rent, council tax these things will show on your account which will give them a good sense that you do generally need money for an emergency loan.

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I was going to post about this lot the other day but got sidetracked. The whole thing is completely bonkers to be honest, and I'd like to think that this lot will sink without a trace (probably not though, sadly).

 

As 42Man has already said, regardless of how legitimate they are (or aren't), allowing a third party access, however secure, to your banking password or PIN almost certainly breaches your bank's T&C's. If you happened to be a victim of fraud it's highly unlikely that the bank concerned would look favourably on the fact that you'd shared information designed to keep your account secure, and you could even be jeopardising a refund of any money that was fraudulently obtained from your account.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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  • 1 year later...

more than a yr old

thread closed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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