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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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dontigeh

cautioned for travelling on the oveground with wrong travel card.

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Hi,

I university student and I travel from slade green in kent to london and I have a 16-25 student oyster card. I used to get a zone 1-6 weekly travelcard on my oyster but started to get zone 1-2 weekly travelcard thinking i would be ok with it. Got caught today by an inspector at slade green station and was cautioned and was asked severall questions. I told them my friend said I could use a zone 1-2 travel card and said I didnt know that it was a zone 6 station. They asked for my friends name and address but i only gave his name.

 

I know its totally my fault dont know what to do. What will happen next, would I be prosecuted? Really scared. Any advice please.

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Hello and welcome to CAG. The forum guys should be along later with advice for you.

 

What happened when you were stopped please? Did the RPI take a statement, did you sign anything? I'm guessing if you were cautioned that you did.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Hi,

Yes the rpi did take a statement and i did sign it.

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Thank you. I'm a bit confused about them asking for your firiend's details, maybe one of the industry guys will comment on that. It would also be helpful if you could tell us which train company we're talking about please.

 

What I would expect to happen next is that in due course, up to 6-8 weeks, you will get a letter from the company asking for your version of events. When that arrives, you come back here and tell us what they've said and we take it from there.

 

The information I requested would help the guys to advise you.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you. I'm a bit confused about them asking for your firiend's details, maybe one of the industry guys will comment on that. It would also be helpful if you could tell us which train company we're talking about please.

 

What I would expect to happen next is that in due course, up to 6-8 weeks, you will get a letter from the company asking for your version of events. When that arrives, you come back here and tell us what they've said and we take it from there.

 

The information I requested would help the guys to advise you.

 

HB

 

He asked for my friends details as i said my friend told me i could use a zone 1-2 travelcard.

 

The train company is southeastern.

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He asked for my friends details as i said my friend told me i could use a zone 1-2 travelcard.

 

The train company is southeastern.

 

 

 

 

Honeybee13 is correct, it will probably be a few weeks before you hear from the company

 

If you were not travelling with a ticket or Railcard that belonged to someone else, your friend's details are irrelevant although the inspector might have been attempting to test the veracity of your claim by seeing how you reacted in providing an answer.

 

The bottom line is that you were found to be travelling without a valid ticket and it is you who are responsible for ensuring that you have a valid ticket for your journey.

 

It is possible that you may be prosecuted, but before we can say how likely that is, it will be necessary to know a little more.

 

When you were cautioned & questioned, can you recall what you told the inspector?

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Honeybee13 is correct, it will probably be a few weeks before you hear from the company

 

If you were not travelling with a ticket or Railcard that belonged to someone else, your friend's details are irrelevant although the inspector might have been attempting to test the veracity of your claim by seeing how you reacted in providing an answer.

 

The bottom line is that you were found to be travelling without a valid ticket and it is you who are responsible for ensuring that you have a valid ticket for your journey.

 

It is possible that you may be prosecuted, but before we can say how likely that is, it will be necessary to know a little more.

 

When you were cautioned & questioned, can you recall what you told the inspector?

 

I told the inspector that I travelled to university 3 times a week, from Sladegreen to London. He asked me where do you live I said Sladegreen and he asked me for how long for which I answered 6 years. He then asked me do you know this is a zone 6 station for which I said no and then he asked me again and I said no. Back in October 2014 I was buying the zones 1-6 travelcard but then started to buy the zones 1-2 travel and they saw this on the checking machine and asked me you obviously knew that you had to buy zones 1-6 as you have bought it in the past for which I answered my friend told me I could use zones 1-2 (which is stupid I know but didn't know what else to say). He then asked me you travelled from zones 1-6 with a zone 1-2 travelcard how do you intend to pay for your travel between zones 2-6 for which I didnt know how to answer and he asked was you trying to avoid paying the full fare amount for which I said yes (I disagreed to this question when I was asked the same question earlier). He then asked for my friends name and address for which I didnt give the address but gave a name. He asked me whether I travelled with the same ticket yesterday for which I had to say yes.

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