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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Cautioned for not having Train ticket


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Hey Calvi, thank you for your post.

It is always interesting to hear from someone with first hand dealings with the train companies. And I can appreciate that from your view, as a driver that there must have been a lot of incidents that were at the very least unpleasant.

I am so cross today, I travelled by train yesterday (bought my tickets in advance so no problems!) and witnessed a person who when approached by the train guard for a ticket, admitted to not having one and then when the guard asked this person where they got on, the person said the next station on (we had not even stopped at it!), and the guard did not even bat an eyelid just charged a tiny fare (not a penalty!), and the guard had been in the carriage with this person all the while.

Any way, I guess I will have to pay the penalty fare and the admin costs, even though I did try and purchase a ticket prior to travel.

Oh and also, I provided ID to the ticket inspector and I have received this fine, however my travelling partner did not have any ID and has not received a fine. So where does honesty pay?

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I sent First capital connect a letter denying that i was on their train, (i was not, I was on another train) and that I was not travelling between the stations that they suggested, and have asked them to prove that I was. No reply yet.

I am still the only one who has had a penalty letter though.

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Hi again Red, Guards or Conductors are very different to RPI's. They have a lot of duties to perform apart from collecting fares, although they are targetted on revenue. The guard is in charge of the train, whereas the driver is in charge of the safe working of the train, two completely different roles. The guard is responsible for opening and closing of the doors, power operated doors only. Making announcements, next station is hell run when u get off.

I would view your comments on issuing a ticket to a customer from the next station as nothing more than the guard thinking, is this worth the hassle. Most people just see a uniform but believe me it is a highly stressful job. I quit after 9 years and two divorces. It has a very high divorce rate does the railway industry. Imagine getting out of bed at 1am to start work at 3 minutes past 2am, you will soon see why. I wish you luck in getting this resolved.

 

Hey Calvi, thank you for your post.

It is always interesting to hear from someone with first hand dealings with the train companies. And I can appreciate that from your view, as a driver that there must have been a lot of incidents that were at the very least unpleasant.

I am so cross today, I travelled by train yesterday (bought my tickets in advance so no problems!) and witnessed a person who when approached by the train guard for a ticket, admitted to not having one and then when the guard asked this person where they got on, the person said the next station on (we had not even stopped at it!), and the guard did not even bat an eyelid just charged a tiny fare (not a penalty!), and the guard had been in the carriage with this person all the while.

 

Any way, I guess I will have to pay the penalty fare and the admin costs, even though I did try and purchase a ticket prior to travel.

Oh and also, I provided ID to the ticket inspector and I have received this fine, however my travelling partner did not have any ID and has not received a fine. So where does honesty pay?

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Calvi, thank you again for your post. I am sad for you that the job was stressful and affected your personal life in such a way. Its interesting seeing things from the other side.

ps, I have never had a problem with the guards, I think that the job that they do is very hard!

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Calvi, thank you again for your post. I am sad for you that the job was stressful and affected your personal life in such a way. Its interesting seeing things from the other side.

ps, I have never had a problem with the guards, I think that the job that they do is very hard!

 

 

och am not sad at all they were witches lol. guards are normally good blokes and girls, they have to deal with more crap than you can imagine. Wee story for you. lancaster station, saturday afternoon. football supporters on train I was driving, a short run only 12 minutes from morecambe to Lancaster. Crowd starts getting off the train and i hear a scream behind my cab, I look out window to see a wee girl trapped in the power operated doors. I jump and prise the doors apart by hand. get onto platform. look down the length of the train and see the guard with blood over his face. I shout at him WHO? He points at some div with a union jack over his back. I go after him, tap on his shoulder and said wtf you playing at, when he tries to punch me, one headbutt and a few good kicks later am dragging him into see Charlie, the transport copper at lancaster. Guy was nicked. Turned out he had punched the guard, then pressed door close button on the guards panel as the wee girl was getting off the train.

 

It's more stressful than a lot of ppl realise.

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red

 

Surely the ultimate Revenue Protection is fully staffing stations and maintaining the ticket machines? How about ticket machines on trains? Doesn't take a great deal of thought or investment does it?

 

Thought and investment - such rare commodities ...

 

T.

"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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Hasn't anyone finally realised the world is about revenue versus cost to collect that revenue. Costs lots to staff a station, to fit ticket machines etc. I am in no way coming down on the side of Train Operating Companies. The issue here is to compare the cost of manning every station in the UK against manning a few and having conductors collect fares alongside RPI's. The equation is simple, it is more cost effective to do the latter. Safety is the major issue for the public here, even with a well lit unmanned station late at night, who you going to call if you find yourself in trouble, not the guy in the booking office, THERE ISN'T ONE!

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I have to say, for what it is worth, that RPI's (Revenue Protection Inspectors) were hated just as much by staff as they were by the public and most only get into this type of job by being jobworths.

 

I must say that your comment is rather harsh.

 

For some years I was an RPI and it was a thankless task - for the last two years I applied for many dozens of internal transfers: ticket office, station assistants, all sorts. I came to the conclusion that there was an unwritten rule that RPI's could never transfer to any other position.

 

I resigned after being pushed down the stairs at Alexandra Palace station by a scroat who had no intention of being questioned on why he had no ticket and no intention to buy one. I thought my life and health were more important.

 

Anyway, to the OP of this thread:

 

At least 15 years ago, when it was still British Rail, any prosecutions were considered by a unit based in the offices of Cannon Street station. The type of letter you seem to have received was only sent out when the case notes showed "a good prospect of a conviction". However, the admin fee was at least 10 times the fare and not less than £100. It usually was paid by the recipient as the lesser evil than a conviction.

 

In your case however, it seems that only the fare plus a modest admin fee has been asked for. I suspect that this is because they don't have a case.

 

The key element which must be proved beyond reasonable doubt in any case of fare evasion is intent. As an example, one of my regular duties was to wait in plain clothes at the exit of a station where the ticket office was open. I would just approach people leaving the station and ask them for their ticket. If they had not bought one, and had walked past the ticket office I had an indefensible case of fare evasion.

 

He accused me of being a fare dodger (in polite terms) cautioned me (just like a police man) and I am now waiting to hear regarding the prosecution.

 

Anybody can issue a Caution, in the same way as a citizen anyone can arrest somebody in appropriate circumstances. It is rare for anyone to be cautioned unless the person giving it has had a significant amount of training. The reason for this is the Police and Criminal Evidence Act (PACE) as this has very strict rules on procedure. So how was the interview conducted? Were notes taken? Were they read back to you? Did you have an opportunity to sign the notes?

 

Thus the main question you have is whether the inspector established intent. From what you have written I doubt that intent has been established.

 

To have been given a Penalty Fare (in the same way as parking tickets) rules have to be followed. One of these is the test of reasonableness. My understanding is that waiting for up to 5 minutes to obtain a ticket is reasonable, more than this is not. It is reasonable to expect ticket machines to be working, they were not. Therefore if you were given a penalty fare, there would be good grounds for getting it rescinded.

 

I don't think you were given a penalty fare as they seem to be using the railway by-laws. To be sure, you could scan the letter (omitting identifying details, of course).

 

Based on what you have written, I would be tempted to send the fare only, and if you are confident that you did not admit intent, tell them that you will take your chances in a court of law!

  • Haha 1

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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most only get into this type of job by being jobworths.

 

harsh but true.

 

The "jobsworth" bit is definitely not true.

 

When I got the job it was from unemployment - the job was only advertised through the JobCentre - and I was one of twelve all lifted from the dole.

 

The money was much better than the dole, but until I was doing the job didn't realise the significance of recruiting from the unemployed. It is the sort of job only the desperate would apply for.

 

I certainly was not a jobsworth.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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A lot (all?) of stations have permit to travel machines which will issue you with a note allowing you to get on your train and pay at your destination or on board. You only have to put a few pence in to be allowed to travel.

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The "jobsworth" bit is definitely not true.

 

When I got the job it was from unemployment - the job was only advertised through the JobCentre - and I was one of twelve all lifted from the dole.

 

The money was much better than the dole, but until I was doing the job didn't realise the significance of recruiting from the unemployed. It is the sort of job only the desperate would apply for.

 

I certainly was not a jobsworth.

Esio, I HEAR YA. They only rec from jobcentres for rpi jobs, not coz people on benefits are low lifes, it's cause ppl want to work and will do any job. You didnt know what u were applying for and the stigma it attaches, that's why you were not considered for any other posts. mRPI cannot move anywhere apart from upwards in rev protection. I had personal with rpi on two occs, once for pass not filled in and believe this if u will, for being front end whilst route learning.

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Esio T, many thanks for the time which you have taken regarding my post. You have answered my queries and concerns comprehensively and eloquently - I am now in no doubt about my way forward!

I know that I am being obstinate here, however I did buy a full return ticket at the destination station, my intent (regardless of the meeting with the RPI) following the problems at the station where the journey started! Therefore I did pay what was owed so to speak.

Following your comments in your post I would agree that the case in court may fall down, as on my statement (which was read back to me and I did sign) i had explained in detail about how I had tried to purchase a ticket from the office initially then having waited in a long queue without moving decided to purchase a ticket from the (out-of-order) machine only to find that option 3, the second ticket machine was out of change and could only accept correct money only or a card other than electron (the only card in my possesion), so my intent to purchase a ticket appears loud and clear in my statement!

I have not had a response to my last letter to the train company, but Esio, I may use your advice if I do hear anything else.

 

Seminole - the problem that i had on the day was only having a £20 note, and no loose change, other wise I would have considered one of the tickets which you mentioned.

 

Todge - what a sensible idea, other countries use a better system than the UK. I am still flabbergasted that good old cash wasn't good enough in this incident, and that a debit card, which will only be authorised if there are sufficient funds in the account, was not accepted either. Maybe I should have taken the buttons from my shirt!

 

Calvi - keep smiling!!!!

 

Thank you all

 

Red

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esio, I wish you luck mate. Am not actually anti rpi well i wasn't until they were anti with me whilst route learning. It was taken that I was front end by an rpi to dodge a fare or a pass. Like I would actually commit a criminal offence, I think not. It is a far harsher offence than fare dodging to interfere with the safe working of a train! This would never happen on my part. I will thank you for the advice given to red though. At end of the day we are all here for each other. Red, I always smile, sometimes sneakily, sometimes with fun and other times it's just malice lol.

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  • 2 weeks later...

My daughter - only been in London a couple of months - had her wallet stolen with her young persons railcard in it together with I D documents, anyway having got a crime number she was told by the ticket office she could still buy a young persons ticket while she waited for a replacement railcard and to quote the crime number to the guard/inspector if asked.

Yesterday travelling on the train from High Wycombe to Marylebone she was asked for her ticket and duly showed her purchased young persons ticket and expalined about her railcard. She was told as she did not have the railcard she would have to pay a penalty fee of £20. She did not have £20 on her and the bank card she was carrying had funds of only £16. The inspector took the details of her bank card. She asked him if she could phone me to place some money into that account and she would pay. He told her it could be paid when she reached the station. She assumed that he waould take the payment via her card details.

Having reached the station she approached the barrier and to her shock was manhandled by the inspector who then accused her attempting to leave the station without paying. He read her rights to her cautioned her and although she pleaded with him to allow her to make the call to me so she could pay the penalty would not allow her. She was frightened and upset. Does anyone know if she is taken to court and found guilty is it a criminal offence? I think however she has sufficient grounds to appeal. Help anyone??

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She was frightened and upset. Does anyone know if she is taken to court and found guilty is it a criminal offence? I think however she has sufficient grounds to appeal. Help anyone??

 

If found guilty it is a criminal offence.

 

However, if you read this thread, and particularly my earlier posts you will see that travelling without a ticket is not an offence of itself. The prosecution have to prove without a reasonable doubt that the defendant intended not to pay for their journey.

 

In the conditions of carriage it does say that a discounted ticket is only valid when accompanied by the appropriate railcard. A penalty fare can be levied, and the recipient has the opportunity to appeal. There is also (unless the rules have changed recently) no requirement to make payment at the time.

 

Having reached the station she approached the barrier and to her shock was manhandled by the inspector who then accused her attempting to leave the station without paying.

 

This is odd. If a PF had been issued, then that is the end of the matter as far as the inspector is concerned unless grounds have arisen for believing that false details had been given.

 

Presumably you have a copy of the PF notice, if one was issued. This you can use to make an enquiry. First you need to get your daughter to write and ask whether she was under arrest when she was cautioned, and on what grounds was she cautioned. If they reply that she was under arrest, ask on what grounds; if not, why was she manhandled.

 

The Police and Criminal Evidence Act is a powerful piece of legislation - and this is used where cautions are given. If you want a fascinating read, look up the act HERE.

 

If you need more specific advice from a legal perspective then you will need to post again with more factual information i.e. dates and times giving a chronology of events, preferably paragraphed or bullet pointed.

 

Reading what you have first posted at face value I don't think your daughter has much to worry about.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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When approached on the train the inspector asked for her I.D. which, as previously expalined, had been stolen along with her wallet and railcard some 2 weeks earlier. All she had was a bank card with her name on it and nothing to support. She was not asked at this stage for her name and address. The inspector simply took the details from her bank card at this time.

 

No PF notice was given to her, the inspector told her that as she had approached the barrier it was assumed she was leaving the station to avoid paying the fine and because of that he would not now issue the PF notice.

My daughter, although intelligent, is not very street wise having spent her life until now in sleepy Devon! Up until this point, and being unaware of the system, she had assumed that as he had her bank details that they would be used to collect the fine. At no time did she intentionally attempt to avoid paying the fine and in fact made efforts to do so.

She is still unclear if she was actually arrested, she felt so intimidated that all understanding went out the window!

 

As we have no paperwork/reference numbers etc. who do we write to and where? and how do we reference the incident?

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No PF notice was given to her, the inspector told her that as she had approached the barrier it was assumed she was leaving the station to avoid paying the fine and because of that he would not now issue the PF notice.

 

Barriers are normally at the head of the platform. Usually the ticket office is beyond this - thus either your daughter misunderstood what was said, or the inspector was making a false premiss. It's the same with shoplifting - you normally have to be leaving the store before theft can be proved. Same with a station. Normally the ticket office is near the entrance to the station - not by the barrier.

 

If she was Cautioned, then you will have to read my earlier post and get your daughter to answer the questions about timing, reading back, signing of notes etc. Ideally she needs to write down the questions she can remember and her answers. Look to see if "intent" do not pay has been proved - if not, no case.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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HI Bailey, sorry to hear about the dreadful way that your daughter was treated. I hope that she is ok after her ordeal.

I am pleased that Esio has been of help, I found Esio's help invaluable, answering all the questions which I wanted answered, and the biggest thing that I learned in my case was the matter of "intent" when attempting to / purchasing a ticket. In your daughter's case it is clear that she was acting on advice and had every intention of paying.

If I were you I would be considering a severe complaint letter, as your daughter was treated without respect. From experience the train company involved will probably issue a letter "offering" a low payment of the fine plus an administration cost. But I would complain first.

I hope that it works out for you, and interested in what happens in your case. Best of luck

Red

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  • 2 weeks later...

Hi,

I have received a letter from "First Capital Connect" concerning my 16 year old son. Apparently he boarded a train without a ticket. The letter is addressed to me, as the parent/or guardian. It states that normally they would prosecute, however, in this instance they are prepared to accept a 35.00, the outstanding fare plus a huge admin fee. They have also mentioned that failure to pay this may well affect my credit rating.

 

Do I have no option but to pay it?? Seems a bit excessive to me, and also was not too pleased at the threatening"credit rating bit". My son is 16 and I can't be watching over him 24/7..........

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Taking this in reverse order - I'd be interested in how they could affect your credit rating, as (1) you never transgressed, it was a family member and (2) You've not given permission for your details to be passed to a CRA, so they'd be in breach of the Data Protection Act.

 

As to the penalty - why not just pay it, and take it out of his allowance or get him to pay it under your supervision. He might then appreciate that travel has to be paid for, and is mighty expensive if you break the rules.

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yes, I think I will take your advice and just pay it or he will from his own money... He was in the wrong, no doubt. I just didn't like the tone of the letter and the admin. fee seems excessive. However, more important issues at the moment, LOL.

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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