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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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whattodoLONDON

Unpaid fare notice but NO sign from First Great Western - what to do??

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Hello there,

 

I hope you lovely people can help and offer some advice...

 

I received an 'unpaid fare notice' from First Great Western exactly 7 months ago

because I didn't have my young persons rail card with me (it was stolen on the train).

 

 

They treated me badly and the experience was very distressing (lady made me cry),

 

 

I disputed the notice within the 10 days given,

and sent a long letter as well as all my original documents to their address (tickets, notice, etc.),

asking to be pardoned from the fine due to the bad treatment

and the fact that the fine was too large and unreasonable for the situation

(there was theft involved, and the treatment was bad).

 

The problem that I have is that they have not been in touch,

 

 

I have not received any letters, and they have not even informed me that they received my letter (it was sent via recorded delivery).

 

 

Unfortunately (stupidly) I didn't scan anything and I have lost the letter I wrote as it was so long ago. I only have proof of ticket purchase on email.

 

What should I do?

 

 

Can they prosecute me later, even though I had no warning or letters?

 

 

Is they haven't done anything within 6 months,

doesn't that legally mean that time has expired for them to prosecute?

 

 

It was all sent to a Reading address that was on the notice.

 

I wish that they would have at least sent a letter in response, saying something to put my mind at ease.

 

Thank you very much

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if you have received nothing to date

and they obv know you address

 

 

I would say they have decided to drop the case.

 

 

dx


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Can they prosecute me later, even though I had no warning or letters?

 

Is they haven't done anything within 6 months,

doesn't that legally mean that time has expired for them to prosecute?

 

 

I agree that it may be that FGW have decided not to pursue this, but it does not mean that it is time expired yet.

 

Technically, the TOC have six months from the date of commission of the alleged offence to lay the information before a Court and apply for a Summons. The Court may well be a busy one and perhaps cannot give a listed hearing date immediately, so may set the soonest available date in the future.

 

As an example:

 

Alleged offence 30th June - summons must be applied for by 29th December - soonest Court date available perhaps in early March so could be listed as much as 9 months after event before a first hearing is set

 

In the interests of justice the rail company and the Courts should always strive to do things much quicker than that and usually do so, but it can be a slow process at busy Court offices especially since so many satellite Courts have been closed thereby putting pressure on all other listing officers.

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Thanks for your replies both! At least it helps ease my worry a little.

 

I'm also guessing they have dropped the case, but I think it's really poor practice that they have not sent me a letter or any form of communication telling me this...they also haven't sent me a letter saying anything about whether I still owe it, or if they have decided to file a court order against me...basically nothing in 7 months...very odd!

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