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    • So what time did you buy the permit and what time did you arrive at the barrier where this happened??
    • Have they referred to a judgment in  Dubai? If not dont request it.   They are not interested what your financial circumstances are...so do not disclose them.
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    • Thanks guys. So using the form that you have provided...   I am ticking box C to say that I dont know whether I owe the debt, box G to say that I am seeking legal advice and Box I asking for copies of the credit agreement, full summary of account detailing all interest and charges, details of the interest calculation, details of the administration charges, a copy of the notice of assignment and a copy of the judgement obtained in Dubai? Does all that sound right?   I was thinking that it might be in my interests to show them my income/expenditure as they will see that I am a single mum, working part-time and receiving benefits?
    • We have looked at the ticket options for the exact time travelled.   it is not possible to buy an on peak ticket at the time I left the departure station   There is no option   There is only one option.  The cheaper fare.  that is all I knew!!  The cheap fare.   So when I arrive and they detain me, threaten me with fines and force me to pay the higher 50% more fare. I found that very stressful as I suffer from anxiety anyway. I also would have had to pay a fine if I did not have enough cash in my pocket. (I found later that I needed my cash in town)   The box office confirmed they were overcharging at the turn-styles.   I walk back and tell them they over charged me again.   The ' turn-style crew '  agree to a refund , without checking. Thats odd isnt it !  They didn't need to check or to confirm. They knew I was entitled and agree to a refund.   Why did they not say.  "well, we need to check that first!!"  And if they can check. why did they not check before?    Then I complain that a refund is not adequate by itself to prevent this from happening again,  Yet....   Although a refund is imminent as they agreed. The supervisor again tries to blame me for not buying the ticket at the departure station.  Even though I had a permit to travel.   So, i hope you see what I am saying here? Do you see how hardcore they are to pass blame and fine people!!  Who trained these people?  Am I really expected to complain to the same company who oversees this nonsense?   He then again lied, yes again, trying to inspire fear for a fine. Claiming I missed my first chance to buy and said that the permit machine is always on, that it is irrelevant and useless and that I should have paid at the touch screen ticket computer, that it takes cash ( this is wrong!!). (Previously he had smirked saying it is his home station that he uses it all the time). I said that it was not true, that  i could not pay in full and it is not my fault, he said it was my fault and when he could not lie any more, without warning, had me thrown out the station by security with no refund and I was told I could not even catch my train home!!!   Amazing!    They did everything to fob me off to overcharge me.  There is no cash facility at my home station, only the faulty permit ticket machine that seems to only take one type of coin,  that thankfully.......thankfully I had that particular coin, by chance, as the pound coins would not work..they were spat out. Else I would have been in serious serious trouble with these people. There are much higher fines without a permit to travel.   (Important side note regards the elderly. As an adult with reasonably strong hands, even I find it ' very hard '  to remove the permit ticket made of thick card, it is very tough to do. How do elderly people remove the ticket or even a child? I really cannot see that happening. It really is that bad at my station)   regards to a question above, I am not sure what a z ticket is, I have an M on mine.?   We have read the code of conduct and there are multiple references to the staff helping people get the right ticket. and considering there was only one ticket for a return that day, that should not have been a hard thing to do, at all.   Yet they have a button they can press to over charge  Who programmed that into their machine and told them to press it?   Thank you for reading.  
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Reposession going to trail. Defence issues. Advice needed please

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To shorten a very long storey.


We owe a bank money in relation to secured and personally guaranteed loans for a company (now liquidated) We have never said we don't owe the bank the money but dispute the amount. The bank should never have started possession proceedings for several reasons, one being that the notice or warning that they intended to start proceedings did not tell us how much we owed. They then proceeded to claim an amount £40k higher than the actual debt! (they are now claiming the correct amount)


Anyway these and other issues have lead us to dispute a portion of the debt as such we submitted a defence. A strong defence we feel. We have not and cant afford to employ a solicitor.


The problem we have is that the bank applied to the court to order a trail. This has all been ordered and the claim is now going to a full civil trail with witnesses and all the legal procedure we know nothing about.


I want to withdraw our defence as we cant afford to lose (50k estimated costs) we cant expect our witnesses to attend, we cant follow all the procedures as we have no knowledge of the laws etc. It really isn't an option for us.


We now have days to serve something to do with practice direction 31b. We want to withdraw the defence, unjust but necessary and assume that no defence =no trial. How do we withdraw it and what are the consequences in respect of the court.


Many thanks

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Hi Llewelyn


Have you tried using your home insurance legal dept to see if they will help? This does look like a lot of extra charges have been applied to the account. Do you have an upto date statement on how they arrived at that £40k figure?

Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


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We've no legal cover on our home insurance, unfortunately!

They wont disclose any breakdown. I do know how they arrived at the higher amount. They didn't account for credits made in 2010. They've had to apologize to the court for this.


Anyway i don't think we've any option but to withdraw defense as its too complicated and too risky. Thanks for your reply

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