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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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battler1966

APS Overdraft - No payment since 04/16 No default marker on report

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Hi Guys

 

Despite my constant attempts to get APS Overdraft to

 

1. Supply me with evidence of the debt and

2. Mark it as default or in dispute

 

They are constantly updating the report with a 6 marker but no default.

 

The account shows no payment since March 2016 and hit 6 in Sept 2016.

 

The message on the credit reports states;

"agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine.

 

My last letter to Equifax stated;

 

Dear sirs

 

This account is a pre-paid credit card account that has been in dispute since discovery in April 2016.

 

To date there has never been any debt acknowledgement made and based on this fact, taking into consideration the I.C.O. Technical Guidance on Issuance of Default Markers & Notices, the account should not be generating recurring [6] markers but should in fact be defaulted (within 6 months of the first default (missed payment) occurring on the account) which means the record should be changed to a Default status with a default date around October/November 2016.

 

Please rectify this error as the creditor is ignorant to my repeated requests.

 

Failure to correct the incorrect data will result in a formal complaint being raised with the Information Commissioner who, as I'm sure you appreciate, take a dim view of deliberate breaches of data processing.

 

Kind Regards

xxxx

 

Credit Report Ref No : 5xxxxxxxxx

Name : xxxxxxxxxxxx

Company Name : APS - CASHPLUS

Account Number : 0000

Current Balance £ : 433

House Name or Number : xxx

Post Code : xxxx xxx

Start Date : 03032016

End Date : 31072018

 

Equifax replied (after 4 weeks)

 

Dear xxxxxxx,

 

Thanks for getting in touch on 20/05/2018 about the information on your Equifax Credit Report.

 

APS Overdraft has investigated your query and have told Equifax that the account information is correct and should remain unchanged.

 

This information is supplied by the company and we can't change it without their permission. You should get in touch with the company directly if you need more information.

 

The note that we added, stating that your information was in dispute will be removed within 24 hours.

 

==============

 

Any ideas what to do next guys as it looks as though it will be ever present on my CS

 

:-x:-x

 

Thanks guys

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but its not incorrect data and they are doing nothing wrong.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Hi

 

As stated, it is not my debt so how can it be correct data?

 

Please clarify if you could.

 

Many thanks

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not your debt..so its fraudulent then?

how did it get on your credit file?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I take it you have read my first post? In dispute since April 2016?

 

I have also requested validation of the debt via letter on 2 occasions and have been ignored.

 

No paperwork has EVER arrived at my house, no calls nothing so yes, it appears to be THE 1ST EVER fraudulent effort to obtain a credit card and APS are not helping me to get to the bottom of this and if I know nothing about the debt, how on earth can I answer the question about how it appeared on my CR.

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its a credit card - why not send them a CCA request or an sar

have you reported the fraud to actionfraud and got a crime number.

have you spoken to the ICO and told them APS will not remove it.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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