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    • 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?                
    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
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Hajme1

Prac financial/bw legal headache

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Hi guys

 

Any advice on how I can get rid of a CCJ issued by PRAC Financial?

 

My credit report states that the default on my loan with Payday UK (whose debt Prac has acquired) is Satisfied as of Jan 2017. Another credit report says its closed. Unfortunately these clowns still want their pound of flesh.

 

Ive received two letters. One from Northampton County Court about the CCJ and one from BW Legal saying I pay the amount of £1,029.

 

I dont want to pay another £255 to set aside. I dont want to pay anything to remedy?

 

What should I do?

 

Maybe write to the court?

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Hi and Welcome to CAG

 

 

I have moved your thread to the appropriate forum..Financial Legal Issues Forum..please continue to post here to your thread.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If you want advice on your thread please PM me a link to your thread

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when a creditor sells on a debt they mark their file as satisfied with a £0 balance.

 

the debt still existed...

 

I will assume you moved, didn't tell your creditors, and they got the backdoor CCJ with everything filed to that address, which is quite legal.

 

not sure you can do anything sadly, unless you didn't owe the money?


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You're probably right. if i write to Payday Uk for proof. they'll probably manufacture the same nonsense and add their logo at the top.

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nonsense to what?

you owed the money you ran away?


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ran away? if i ran away Id be a sunnier climate.

instead im still in london on this forum trying to sort this money I don't owe but has been labelled as a default.

 

Orange did the same (another debt I didnt owe)and realised the error if their ways by cancelling the debt.

 

I expected the same of PayDay Uk. how wrong was I.

 

sorry if wasn't clear.

 

i thought with time it would disappear. ive disputed this loads of times but it hasnt been removed from my credit file

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its there for 6yrs paid or not.

 

ok lets resit things else we'll go around in circles all day...

 

are you indicating you never had a this PDL?


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i had it and several others under PDUK. All paid off apart from one they're saying isnt. its been sat in my credit file as default, whilst ive disputed it.

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did you send PDUK an sar before they sold it on

why do you think it was paid off?

was it part of a refinance chain?

 

sadly although not nice, they are within their legal right to sell it onat anytime

what puzzles me is how come the fleecers got a CCJ you knew nothing about?

 

did you moved address and not inform people?


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

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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

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i forgot about it whilst i was dealing with mortgage lenders to buy a house. i was aware of the 6 years credit file status and assumed it would disappear after that time had past.

 

i quickly got bored of chasing them and more important things to deal with, as we all do

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i forgot about it whilst i was dealing with mortgage lenders to buy a house.......i quickly got bored of chasing them and more important things to deal with, as we all do

 

How did you end up with a CCJ? Did you ignore the claim form?

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