Helen, please listen to what OC has said and you need to get things like losing to cards of your own, same as finding £5 etc out of your mind and focus on what he has said. You have quoted above that it is your view that you did not intend to not pay the fare but OC has already explained how this will be viewed from a prosecutors point of view. In his reply it states "Ignore for a moment what type of pass it was and focus on the fact that it was not yours. Once you found the pass you could have done nothing with it, but you chose to attempt to use it to travel. That action showed intent to use it and by so doing you would retain the va

An SAR to Lowells is a waste of time, as these companies don't often hold much information. An SAR is generally only useful to the original creditor to obtain all the statements, copy of original CCA, default notice etc.

Would there have been any charges on this account you could reclaim?

When a full and final settlement is made you need it in writing that the account has been cleared and they or no-on else will pursue you for the remainder. When you have accepted their offer, they can sell the remainder off to other leaches until the above is done.

Looks ok to me Garry...no loopholes..... no reviews... Welll done nudge me when you need your thread title amending. Regards Andy

There will of course be interest to add if it has been missold.