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    • 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  
    • Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ? JC INTERNATIONAL AQUISITION How many defendant's  joint or self ? Self Date of issue – 22 May 2024  Particulars of Claim What is the claim for – 1. The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. 2. Debt was assigned to the claimant with notice given to the def. 3. Despite formal demand the def has failed to pay the debt and the claimant claims £300 and further claims interest pursuant to s69 of the CCA 1984. What is the total value of the claim? £385 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier  Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Changed supplier What was the date of your last payment? Never  Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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Boyfriend used my freedom pass on bus, will he be prosecuted?


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My boyfriend took my freedom pass without me knowing and used it to get on the bus. An inspector came on and his details have been taken down.

 

He used the freedom pass as we are struggling financially, he ran out of money and had no other way to get to work. He's a chef so if he calls in sick he doesn't get paid as he is paid hourly.

I am disabled and my boyfriend provides for me, so not going to work for one day would have a massive blow on our rent/food money along with my medical expenses (private therapy as still on nhs waiting list)

 

Before he used the freedom pass, his mum paid for him to get a new bike because she knew we were struggling. The bike arrived the same day before he used the freedom pass, but it was dismantled and he couldn't put it together and used freedom pass as a last resort

 

I understand this isn't an excuse, and it was very stupid of him to do it.

He can also prove all of the above

 

When they write to him to ask for a defence, will explaining this do anything? Or is he likely to go to court/pay a ton of money?

 

When writing the letter, what should it contain?

 

I really hope he doesn't go to court or have to pay a lot of money, we are already struggling so much and it would make things so unbearable.

 

Maybe he should be asking these questions, but I suffer with anxiety and this whole situation has got me so worried :(

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My boyfriend took my freedom pass without me knowing and used it to get on the bus. An inspector came on and his details have been taken down.

 

He used the freedom pass as we are struggling financially, he ran out of money and had no other way to get to work. He's a chef so if he calls in sick he doesn't get paid as he is paid hourly.

I am disabled and my boyfriend provides for me, so not going to work for one day would have a massive blow on our rent/food money along with my medical expenses (private therapy as still on nhs waiting list)

 

Before he used the freedom pass, his mum paid for him to get a new bike because she knew we were struggling. The bike arrived the same day before he used the freedom pass, but it was dismantled and he couldn't put it together and used freedom pass as a last resort

 

I understand this isn't an excuse, and it was very stupid of him to do it.

He can also prove all of the above

 

When they write to him to ask for a defence, will explaining this do anything? Or is he likely to go to court/pay a ton of money?

 

When writing the letter, what should it contain?

 

I really hope he doesn't go to court or have to pay a lot of money, we are already struggling so much and it would make things so unbearable.

 

Maybe he should be asking these questions, but I suffer with anxiety and this whole situation has got me so worried :(

 

Hello and welcome to CAG.

 

As you say, TfL or the relevant company will write to your boyfriend in the next few weeks, asking for his version of events. He will need to write back truthfully with an explanation and promise never to travel without a ticket again. He can ask if they will allow him to reach an administrative settlement with them by paying the fare due and their reasonable admin costs. There isn't a template for this, he will need to write in his own words.

 

It's hard to say what their reaction will be, because as you may have read, Freedom Pass abuse is taken seriously by the train/bus operators.

 

Has he only used the pass once?

 

My best, HB

Illegitimi non carborundum

 

 

 

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How much would the admin costs be on average?

 

I don't know if he has used it more than once. If they look through the history and find that a similar journey has been made, will this be taken into account or just the time the inspector caught him with it? He says he used it once, but it may have been more than once and he hasn't told me

 

Should he provide proof of things, such as my disability, bike delivery etc? Should fine details be made such as financial situation, where he works, etc?

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My boyfriend took my freedom pass without me knowing and used it to get on the bus. An inspector came on and his details have been taken down.

 

He used the freedom pass as we are struggling financially, he ran out of money and had no other way to get to work. He's a chef so if he calls in sick he doesn't get paid as he is paid hourly.

I am disabled and my boyfriend provides for me, so not going to work for one day would have a massive blow on our rent/food money along with my medical expenses (private therapy as still on nhs waiting list)

 

Before he used the freedom pass, his mum paid for him to get a new bike because she knew we were struggling. The bike arrived the same day before he used the freedom pass, but it was dismantled and he couldn't put it together and used freedom pass as a last resort

 

I understand this isn't an excuse, and it was very stupid of him to do it.

He can also prove all of the above

 

When they write to him to ask for a defence, will explaining this do anything? Or is he likely to go to court/pay a ton of money?

 

When writing the letter, what should it contain?

 

I really hope he doesn't go to court or have to pay a lot of money, we are already struggling so much and it would make things so unbearable.

 

Maybe he should be asking these questions, but I suffer with anxiety and this whole situation has got me so worried :(

 

The circumstances leading to him choosing to use the pass are not a defence.

 

They might be seen as mitigation (making it more likely that TfL will choose not to take it to court [ but see below, rare] or - if it goes to court and he is found / pleads guilty , that the penalty will be reduced )

 

TfL take Freedom Pass abuse seriously : it is rare for them not to prosecute : the passes are paid for from the public purse and are intended to benefit groups who are traditionally seen as disadvantaged. (I got "Told off" by one respondee who correctly pointed out that not all e.g. disabled are disadvantaged - True, but many are!)

 

If it does go to court they are likely to proceed under : travelling without having previously paid his fare with intent to avoid payment thereof ; from what you have said he'd have difficulty defending this.

 

If it went to court, would he plead guilty?.

 

You also need to consider where you might need to use caution : would you try to get your pass back / replaced?.

Here you face a cleft stick : if you say he took it with your permission they don't have to issue you a replacement.

If you say you "lost" it or he took it without permission : he might become liable to be prosecuted for theft (of the pass )

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The circumstances leading to him choosing to use the pass are not a defence.

 

They might be seen as mitigation (making it more likely that TfL will choose not to take it to court [ but see below, rare] or - if it goes to court and he is found / pleads guilty , that the penalty will be reduced )

 

TfL take Freedom Pass abuse seriously : it is rare for them not to prosecute : the passes are paid for from the public purse and are intended to benefit groups who are traditionally seen as disadvantaged. (I got "Told off" by one respondee who correctly pointed out that not all e.g. disabled are disadvantaged - True, but many are!)

 

If it does go to court they are likely to proceed under S5(3) of the Regulation of Railways Act 1889 : travelling without having previously paid his fare with intent to avoid payment thereof ; from what you have said he'd have difficulty defending this.

 

If it went to court, would he plead guilty?.

 

You also need to consider where you might need to use caution : would you try to get your pass back / replaced?.

Here you face a cleft stick : if you say he took it with your permission they don't have to issue you a replacement.

If you say you "lost" it or he took it without permission : he might become liable to be prosecuted for theft (of the pass )

 

What is a reasonable defence in such a circumstance? Should he bother writing these reasons?

 

I'm not sure what he would do. He seems non nonchalant about the whole thing, convinced he will just receive a fine through the post but I have done my research and know otherwise

 

Will they not see the reasons behind his actions and have some sympathy? Maybe I am being too hopeful, and should just prepare for the worst. If he is prosecuted, will he have to notify his employer? What affect will the prosecution have?

 

I do need a freedom pass, should I just say I lost it to avoid him being prosecuted for theft? Do they not have a record of the fact it was taken by tfl?

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What is a reasonable defence in such a circumstance? Should he bother writing these reasons?

 

I'm not sure what he would do. He seems non nonchalant about the whole thing, convinced he will just receive a fine through the post but I have done my research and know otherwise

 

Will they not see the reasons behind his actions and have some sympathy? Maybe I am being too hopeful, and should just prepare for the worst. If he is prosecuted, will he have to notify his employer? What affect will the prosecution have?

 

I do need a freedom pass, should I just say I lost it to avoid him being prosecuted for theft? Do they not have a record of the fact it was taken by tfl?

 

I don't want to be "all doom & gloom", but I've yet to see a believable defence. Others who work on the railways (+\- in a Revenue a Protection / Prosecutions) might have seen a valid defence : but I bet these were rare as hens teeth and relied on a specific scenario : there is no ' magic wand to wave'

(I don't work in RP / prosecutions, nor do I work on the railways, but I hope my info is accurate and pertinent)

 

Just because there might not be a defence doesn't mean he shouldn't try, by writing. They are humans, not robots, and even with the tough line they take, they do have some discretion.

They probably have heard every "sob story", so make sure it is 100% true - they'll have a finely tuned "BS" detector for inconsistencies. This doesn't mean it isn't worth trying, being honest in his reply.

 

He won't have to notify his employer if he is told he is being prosecuted. He may have to notify his employer if he is convicted.

This will depend on a) what the offence is, b) what his contract of employment requires of him, and c) if his job requires a DBS/eDBS (which used to be called a "CRB")

 

Chef in a restaurant ( no direct public contact) : likely doesn't need a DBS. Chef in a school : might do, e.g. If comes into contact with the school kids.

 

I mentioned previously the downside of saying you "lost" your pass. It would mean you are saying he didn't have your permission to have the pass.

 

He "appropriated" it (by taking it and assuming control over it). If he did this "Dishonestly" and with "intent to permanently deprive" then this is Theft.

Dishonesty wouldn't be hard to show (he knows it is yours, not his, it has your photo on), and even if he said he meant to give it back a court can still find intent to permanently deprive (as it risks being confiscated / only returned later with some of its "Goodness"/utility gone.

 

If you say you lost it or he took it without permission : theft.

If you say you gave him permission : not theft but they don't have to give you a replacement since you agreed as one of the conditions not to give it to someone else.

Additionally : you can be prosecuted if you say you gave it to him :

 

Railway Byelaw 22(2):

"No person shall transfer or produce a ticket on behalf of another person intending to enable that other person to travel without having paid the correct fare."

(Or it's TfL bus / underground equivalent bylaw)

 

So, my advice (regarding if you gave permission) is to is say nothing unless asked.

If asked : tell the truth, with apologies.

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In my opinion, lost it or took it without your consent, either way he would have known he had it without your knowledge and could be seen as theft.

 

If it were me I would be straight with them, put my hands up and say sorry I did it but I have learned an important lesson and it wont happen again.

 

If you try and cloud the whole thing with wishy washy excuses you might get their backs up.

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In my opinion, lost it or took it without your consent, either way he would have known he had it without your knowledge and could be seen as theft.

 

If it were me I would be straight with them, put my hands up and say sorry I did it but I have learned an important lesson and it wont happen again.

 

If you try and cloud the whole thing with wishy washy excuses you might get their backs up.

 

So do you think he should give the whole story as to why he used it? (financial hardship, me being disabled etc) or just say "I used it, I'm sorry, I won't do it again" kind of thing?

If he was going to state the reasons why, even though they're not valid, he would also obviously say he knows it isn't valid and hopes they possibly understand, is sorry and assures them it will not happen again

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This was on a bus so different regulations apply. Due to the nature of the incident a prosecution is highly likely and you will probably lose the privilege.

 

 

If you report it lost or stolen then enquiries will be made and you could end up as a party to the prosecution against him.

 

 

There is no statutory defence nor one that will have any bearings on TfLs however you may be able to appeal for some level of clemency.

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