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    • I'm not sure what help you need.  Also I don't think anyone is blaming you - they're simply asking for more information and clarity from you in order to try to assist.  (Difficult for you if English is not your first language).   As I understand it, the staff at the gate did offer you a refund but because you were not entirely satisfied with their attitude there was an "exchange of views" and you got escorted off the station without the refund.  Correct?   I'd simply write to the TOC's customer service people and ask for a refund.  Explain everything simply and in chronological order including what type of ticket you did or did not buy (you could perhaps use my post #27 as an outline but leave out my question about why the ticket office could not refund you).  I don't know what you say about being escorted off the station - perhaps that there was confusion because English is not your first language and the gate staff must have believed you were being too confrontational?  I don't know...   I would not complain about the gate staff and I would not raise the issue of how many other people this may happen to.   Just concentrate on getting the refund
    • You have clearly had a lot of difficulties in your life and this has caused many problems. however in order for us to assist you, we're going to need a proper bullet point chonology. I'm very sorry but there is too much narrative here and although I can see that it is very important you personally. It is very unhelpful in trying to understand the story. please could you set it out again but this time avoid the narrative. We simply can't handle it    
    • The revenue protection officer worked for a train operating company.  If you know which Train company it is, go to their website and look for their complaints process.  Then submit the complaint with full details and copies of the tickets.     
    • Why aren't you recording your calls?   Please monitor this thread for a fuller reply over the weekend    
    • Why I went back:   Eventually, after being detained too long against my will. I paid the higher fare due to threats of a fine and in effort to gain my right to freedom: I then went through the turn-styles and on my visit to the booking/box office(aka: the main ticket booth on the way out) The man said I had to go back to the turn-styles to get my refund as he said it was a different system.   I asked him to come with me. He said he could not, i asked him to hold my hand. (English term of phrase). I did not want him to actually hold my hand.   He understood that and refused as he was on shift.    That is why I had to go back. I made an account here to seek help for me and other passengers. The site admin of this forum constantly tried to pass blame onto me. for many days. I cant explain how stressful this has been after the stress of the incident.   Can you please help me?                
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Interest-only mortgages lasting into retirement launched by building society

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Older home-owners are being given more borrowing options, as a building society launches a new range of retirement interest-only mortgages.


Leeds Building Society said it is entering the market, with the new deals initially being made available through brokers.


Interest-only mortgages allow people to make regular interest payments on a loan, without paying off the loan itself – but the capital must be eventually paid off.


Leeds’ new mortgages are being offered to borrowers aged 55 to 80.



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