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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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Can't get a replacement rail card advice needed?

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I hope I'm posting this in right place. I hope some one can help.


I purchased a 1 year family and friends railcard back on 14th May 2018. So have had it nearly 6 months. I bought it at my nearest railway station.


It has been well looked after and I always kept it in plastic wallet that train station gave me when bought railcard. It has never got wet, as have always kept it safe where it could not get wet from rain.


I went to get it to use yesterday and was horrified to find all the information on railcard had faded and was barely readable.


I went on the rail card website and it says there is a known issue with railcards bought at railway stations and that is that they are printed on thick paper/card and the ink used reacts with the plastic of wallet and fades.


It says on rail card website if you take railcard to a station they can put it though their ticket machine to check validity of railcard and get information and can issue replacement railcard for free.


I went to my nearest railway station today but they refused to put it though machine they said they couldn't.

they asked me for receipt but unfortunately I could not find receipt


I did how ever have bank statment showing payment for railcard,

I also had card I paid with with me,

and I had ID to prove I was the person named on railcard


they would not accept any of this and would not give me a replacement railcard.


I came home and contacted railcard but despite knowing about this issue of ink fading they would not help me they said they only deal with railcards bought online or buy phone. And that railcards bought at stations are station and national rails responsibility.


I have tried contacting national rail and they won't help me either they say I need to speak to railcard, so feel like Im going round in circles.


Can any one advice what I should do now.

Is there any way to get a replacement railcard or refund.


It seems very unfair especially as it was not my fault that rail card faded.

They know about the issue but have done nothing about it to stop it happening.


I thought a bank statement is acceptable as proof of purchase.


Any advice much appreciated


Thanks in advance

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can you not ask for a refund of the months not used

that cant be in dispute as they'll know when you last used if from their records.

please don't hit Quote...just type we know what we said earlier..


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I have tried asking for a partial refund and they won't do that either. Train station ticket office said they apparently can not look it up on their system without rail card no. When I contacted rail card and national rail they both told me rail cards are non refundable.

And would not help I'm at a loss as to what to do.


I don't see why I should have to pay out for another rail card for some thing that is not my fault and that is a issue they are well aware of.

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can you not ask the phone jockey's for the number of it.

someone must have record of it else how are they deciding it cant be refunded...

and its not been used unlawfully..



please don't hit Quote...just type we know what we said earlier..


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When I spoke to rail card they said rail cards brought at train station are not put on there systems and that train stations don't have access to rail cards system. So there is apparently no way they can look it up on there system. National rail just refuse point blank to help and tell me to speak to rail card. Lady at ticket office at train station said they could apparently only look up if have rail card number. They can not look up rail card by name. It all seems very stupid to me in this day and age.

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been doing some digging.


Most stations will be able to check the validity of the Railcards by running it through the ticket–issuing machine to check when it was originally issued.


have you returned to the issuing station?

please don't hit Quote...just type we know what we said earlier..


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As you have already tried to resolve this at the station you purchased the ticket (fading of the ticket which is a known issue with National Rail therefore the Rail operators of the networks would be aware of this issue)


Who is the Rail Operator for the Network you Purchased your Ticket? (check on there website if there is anything to do with 'Fading Tickets')


My advice would be that you now need to Formally Complaint to the Rail Operator of that Station that they refused a replacement or your Rail Card due to fading without any checks to verify your issue as this is that Rail Operators issue to deal with.


Do Not phone them unless you can record the call you need to keep a good paper trail, writing (get free proof of posting from post office) or email (make sure your email setting are set for a read receipt) to keep a record.


Also once you know who the specific Rail Operator is, if you want to find a CEO's Email look up this link:


ceoemail: https://www.ceoemail.com/

Edited by stu007

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Hi, I don't want to sound stupid but what exactly do you mean by who is the rail operator of the station that refused replacement rail card. The only train that comes to this station is A Northern train. So I'm assuming Northern would be operator of that station. Is this right.


If it helps I bought rail card from Windermere Railway station in the lake district Cumbria. And this is the station I went back to to try and get replacement.


Lady in ticket office said there was no point talking to Northern as rail cards are national (as in can be used any where in country). She said Northern are only responsible for tickets bought to go on Northern trains. Is she correct or not. Is it worth contacting Northern.


Thanks again for you advice

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If you are still following Windermere station is operated by Northern by Arriva https://www.northernrailway.co.uk/stations/WDM


F&F T&C says https://www.familyandfriends-railcar...ms-conditions/


3. Replacing your lost, damaged or stolen Railcard

3.1. If you lose or damage your Railcard or it is stolen, you can apply for a replacement. If you bought the original Railcard at a National Rail station, you can request a replacement only at a ticket office and you must show the completed ‘Receipt’ voucher from the original application form. If you purchased your Railcard online, you must request a replacement online.


3.2. You will only be issued with one replacement in any 12 month period, and you will need to pay a £10 administration fee, unless your Railcard was stolen and you have a crime reference number or documentation issued by the Police.


3.3. You will be requested to show some form of identification when obtaining a replacement from a station.


Edited by dx100uk
quote and weird formatting removed

Just say No to 0870 and 0845 Numbers,Use


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