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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
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    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... 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 .  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 CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . 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/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH 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] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 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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Intention to prosecute - Help please! :)


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Hi everyone :)

 

I imagine, like many others, I stumbled upon this excellent forum having received this letter and diving onto Google. I’ve been reading a few posts from years past and taken on the advice there. I also entered into a thread elsewhere within the forum (I'm unable to link to it due to new member status) and use the template provided as a base for my own response, which is also contained below.

 

 

THE DETAILS

 

The letter reads:

On Tuesday 14th April at 11:40 your details were taken by a Revenue Protection Inspector en route near Denmark Hill station, on board the 11:20 train from West Hampstead Thameslink station to Sevenoaks station.

 

Proceeding paragraphs outline cost of travel fraud to rail industry and details of potential penalty for offenders.

 

Alleged Offence:

Entering a train for the purpose of travelling without a ticket entitling travel.

 

 

NOTES

 

  • For reasons unknown to me, my first name is printed incorrectly, it is wrong. My middle and last names are correct. During the encounter, I provided ID upon request. I’ve noted this in the letter below and presume(?) this to be of little consequence to the matter at hand.

 

  • I’m super unfamiliar with trains and buying tickets in general. I cycle everywhere. On this day, I was visiting a friend for the first time at their home way out somewhere I’d not been to before. I punched the address into Google Maps and followed that route. I purchased a paper ticket from Victoria to Bellingham.

 

  • I subsequently missed my stop without realising. I realised this once it was noted I was beyond my stated destination by the RPI.

 

  • The paper ticket was retained by the RPI, my bank statement shows a £7.20 purchase on the 14th April. I was considering attaching this as supporting evidence.

 

  • My friend whom I was visiting works alongside me. I was considering he write a supporting letter to be attached on company headed paper (intention being to make it more official and believable), confirming my intentions on that date to visit him, collaborating the address – this would be to clarify I was not attempting to travel somewhere further, which would have cost more, and thus purchased a cheaper ticket with intention of paying less. Hopefully that makes sense.

 

I think that is all the information I can think to provide, please feel free to request more.

 

My intended letter is provided below, please feel free to review and suggest amendments.

A super long post I know; I’m not particularly rolling in money and the thought of paying out sucks. Be sure to know that any advice you guys provide is extremely welcome and thanks so much for taking the time out to read all this. Very much appreciated. :)

 

 

THE LETTER

 

To whom it may concern,

 

I write regarding the letter received concerning the occasion on 14th April 2015 at 11:49 when I was reported for travelling without a valid rail ticket.

 

I firstly would like to amend the name attached to the matter at hand where it should read: D****rather than the current G****. I can offer no assistance to this error having provided supporting identification upon request by the attending Revenue Protection Inspector in the form of VISA DEBIT card and my place of work Identification Card which provides full name and photo.

 

My final destination during this period of travel was **ADDRESS**, a work associate’s home whom I was visiting for the first time. This is pertinent as it reflects my intended destination in relation to the encounter with the Revenue Protection Inspector. I additionally attach a supporting letter from this associate, **NAME**, confirming my intention to visit him on this date and time. My intended route to this destination was from Victoria station to Bellingham and a short bus ride thereon. I purchased a return travel ticket from Victoria station for this specific destination. (I provide additional proof in the form of bank statement where date, time and cost can be measured against this statement – I no longer retain the travel ticket as this was confiscated by the Revenue Protection Inspector).

 

Being an inexperienced rail traveller (I cycle daily) I lost myself to both music and reading material and subsequently missed my stop; I was unaware of this. I was confronted by a Revenue Protection Inspector at the station Shortlands. I attempted to explain my mistake and made offer to both pay for any additional fares I incurred or on-the-spot-penalty. Both were declined. After providing personal details upon request, both myself and attending Revenue Protection Inspector exited the train at the station St Mary Cray.

 

Curiously, it appears a ticket purchase for the date Tuesday 30th June via the website thetrainlineDOTcom for similar travel times as mine on the 14th April offer a lower price of £6.90 than that of the £7.20 I actually paid for my intended destination. Understanding that I was ‘out of bounds’ in regards my ticket and the destination printed upon that ticket, I do feel that my intention to travel in accordance within the rules of travel – that I have indeed purchased a ticket, that additionally my supporting materials collaborate this with evidence of purchase and intended destination, that I did make a simple mistake.

 

I wish to offer my unreserved apology for my actions in the hope that you will allow this matter to be resolved without court action and thereby allowing me to preserve my good name. I have not previously been reported nor travelled without paying the fare due

 

I understand that fare evasion is a serious problem and unfair to the vast majority of travellers who pay the correct fare every time, I hope that you will recognise that I did genuinely make an honest mistake and did not with intention, attempt to avoid payment for my journey.

 

I am offering to pay the full fare that is due and the reasonable costs that have been incurred by the rail company in the hope that you will allow me to make amends for this uncharacteristic act.

 

Yours etc.

 

 

Should that last paragraph be included? I'm unsure what route to take here as the above was written in supprt of a different scenario as mine..

Edited by frogs
Removed most of first names and company name.
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Hello and welcome to CAG.

 

I've taken the precaution of removing the company name and just left your initials instead of full names. At this stage, I think anonymity is best. I don't think the company name will make any difference, as from what you say this seems to have been a private visit.

 

The forum guys should be along later.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thanks bee; I think we were both simultaneously making similar edits ;)

I was curious how quickly the forum moves – I was passed the letter late and only have until Sunday to reply – 21 days from receiving the letter / it does not specify if these 21 are working days only or not. I figure it’s best to play it safe. Their return address is Kings Cross. Thought crossed my mind to both recorded deliver and also deliver in person. Anyone have experience in delivering in person?

Thanks again

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  • 3 weeks later...

Update -

 

I'll update my original post with the letter I went with for reference in case anyone finds themselves in a similar situation.

 

  • Alongside the letter, I included a print of bank statement showing purchase of ticket.

 

  • Wrote out a letter for the friend I was visiting which stated his address and my intention to visit on the date. I correlated with my purchased destination and statement of simply missing my stop and not intention to purchase cheap ticket and travel further, which would have cost more.

 

  • Provided a passport photo copy to fix the name issue.

 

  • I hand delivered the letter to their offices in KingX station as I left it a little late to post. This wasn't a problem.

 

Some details I left out the original post as I didn't feel it was relevant at that point in time -

 

The RPI guy was quick to escalate the issue. My inexperience in train travel led me to believe I could pay a fixed penalty or whatever cost incurred for being out of zone. His immediate response was to contact police. No questions, no hesitation. Attitude was terrible. There were two of them, the second accused me of being someone he'd caught previously, stating that I was Dutch and attempted to run. I'm English and London born. Once we exited the train and they had calmed, we talked generally as I was keen to determine the seriousness of the situation; this was after contact details were exchanged btw. They told me a letter would be sent requesting my side of the story, and that I may not be charged. My response was we're both old enough to know how the system works... They both smiled, and said I'd be charged but when pushed, had no idea how much this would be. I'm a friendly guy that can talk to most people so none of this was heated, just general chat. It did leave me feeling screwed over and, well I knew this already of course, but reinforced that its simply a system to generate more money. It sucks!

 

Anyway, rushed update.

 

It came to £60.40 in the end. Admin fees...

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Seems I can't edit the original post. Letter is below. Re-reading it, it does reinforce the feeling of being screwed over grr. Oh well. Forget it and move on...

 

-----------------------------------------------------------------------------------------

Date:

Ref:

 

 

To whom it may concern,

I write regarding the letter received concerning the occasion on DATE at TIME when I was reported for travelling without a valid rail ticket.

 

 

I firstly would like to amend the name attached to the matter at hand where it should read: NAME rather than the current WRONG NAME. I can offer no assistance to this error having provided supporting identification upon request by the attending Revenue Protection Inspector in the form of VISA DEBIT card and my place of work Identification Card which provides full name and photo.

My final destination during this period of travel was ADDRESS, a work associate’s home whom I was visiting for the first time. I additionally attach a supporting letter from this associate, NAME, confirming my intention to visit him on this date.This is pertinent as it reflects my intended destination in relation to the encounter with the Revenue Protection Inspector.

My intended route to this destination was from STATION to STATION and a short bus ride thereon. I purchased a return travel ticket from STATION for this specific destination. (I provide additional proof in the form of bank statement where date, time and cost can be measured against this statement – I no longer retain the travel ticket as this was confiscated by the Revenue Protection Inspector).

Being an inexperienced rail traveller (I cycle daily) I lost myself to both music and reading material and subsequently missed my stop; I was unaware of this. I was confronted by a Revenue Protection Inspector at the STATION NAME. I attempted to explain my mistake and made offer to both pay for any additional fares I incurred or on-the-spot-penalty. Both were declined. After providing personal details upon request, both myself and attending Revenue Protection Inspector exited the train at the station STATION NAME.

Curiously, it appears a ticket purchase for the date Tuesday 30th June via the website WEBSITE for similar travel times as mine on the 14th April offer a lower price of £6.90 than that of the £7.20 I actually paid for my intended destination. Understanding that I was ‘out of bounds’ in regards my ticket and the destination printed upon that ticket, I do feel that my intention to travel in accordance within the rules of travel – that I have indeed purchased a ticket, that additionally my supporting materials collaborate this with evidence of purchase and intended destination, that I did make a simple mistake.

I wish to offer my unreserved apology for my actions in the hope that you will allow this matter to be resolved without court action and thereby allowing me to preserve my good name. I have not previously been reported nor travelled without paying the fare due

 

I understand that fare evasion is a serious problem and unfair to the vast majority of travellers who pay the correct fare every time, I hope that you will recognise that I did genuinely make an honest mistake and did not with intention, attempt to avoid payment for my journey.

 

I am offering to pay the full fare that is due and the reasonable costs that have been incurred by the rail company in the hope that you will allow me to make amends for this mistake.

 

Yours,

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