Luckily myself and my partner managed to get a print out of most of the details and what's surprising is that im the 3rd registered keeper but the registered keeper before me is toomey peugoet its self, the agreement date for the HPI is 25/02/2010 for 12 months type-miscellaneous?-no idea what that is. Recorded with GMAC (UK) Finance plc and it has like the vehicle summery as you would expect but it also says No of former keepers-2 and then its got start date of current keeper change 29/04/2010 which is the date i purchased the car but knew nothing about this, as far as i knew they set up the barclays p/l and that was it

I am in a predicament with my car, ill start from the beginning. At the end of april 2010 last year i bought a 58 plate peugeot 308 from the main peugeot dealer in my area, i p/x my ford focus with them at the time and set up a new finance for the 308 had test drive as you would. I picked up a few bad points such as a chunk of rubber missing in the door seal, no spare key, electric window didn't work etc.... and something strange i noticed was on the advert it said the car had done 28,000 miles and when i took it for a test drive it had 36,000 i questioned them but didn't really get a straight answer. After a serious moan off the fixed everything i asked off them but its got to a point where i love the car but want to get rid of the finance so i phoned Barclays who the finance was set up with to ask about a settlement figure and how i can go out selling the car thinking it was HPI but they told me i can do what i like with the car because its a personal loan rather than HPI as long as i pay the installments or pay the settlement figure fair enough. But i take it to a dealers today to p/x it and they quickly done an HPI check and found it had finance still on it! plus the dealers we took it to checked with peugeot when they last done a service because they hadn't stamped the book and it was in feb 2010 at 28,000 miles 2 months before we bought it and two months later its being advertised at 28,000 miles when its on 36,000 so 8,000 miles has magically appeared. The thing that annoys me is the dealer who was buying it off me today cant buy it because their is still finance on the car but its not my finance because peugeot themselves bought the car on finance and its a completely different company to barclays. the dealer said it might be where they haven't taken the HPI off i don't know but after having the car just over a year it should of been off by now, what i keep hearing is they have sold me the car illegally. Any help on this would be much appreciated Francis.

Hi all sorry I haven't got on here sooner one thing after another! Anyhow a long story short after I gave that letter in (a few posts up) I received a letter the very next morning! Saying basically they had set up a date for havering magistrates court in august for two allegations relating to the two dates in question we will be sending summons and notices as soon as practicable and basically both allegations will be charged under section 5,3,a of the regulation of railways act 1889 such offences are deemed 'recordable' and may attract fines not exceeding £1000 on each, with second or subsequent convictions carrying the possibility of imprisonment. That's what it says on the letter and it just also said they don't know my full circumstances but says a qualified solicitor in criminal defense is recommend how considerate of them!! lol and after I got that letter I borrowed some money from my parents which I'm paying back and paid c2c £1193.80 and they've taken no further action and in my situation I couldn't afford to loose my job with London ambulance so I avoided court at all cost! hope it helps in some way.

All I can say is thank you so much for your and eveyone elses help it has helped me a huge amount when they write back I'll put what they've said on here Thanks once again!

Ok all fair points and I see what you mean I don't want to go near court because of my job and family so how about this: Dear Sir/Madam Without predjuice I am writing to you regarding the letter you sent me dated 21 June 2010. I am advising you that i do not agree to your claim in regards to the compensation you seek of £1193.80. I want you to provide me within 7 days, full documentary evidence confirming the dates and times for all of the journeys that you are claiming i have made without paying. I would also like you to provide me a copy of my statement or a copy of the contemporaneous notes of the incident made by the inspector. I do not dispute the two fares that is 14th and 18th June which i did not have a ticket and were found to be travelling in breach of railway byelaws for which i appologise. I am asking c2c to accept payment of the fares due £24.40 and your reasonable administration costs of £110.00 incurred in recovering the fares and i sincerly appologise for the incident and i undertake never to repeat it. Hope this is better if so I'll hand it in on the way to work tomorrow

Ok then I'll take that out was just trying to make the letter sound like I admitted the two days and I didn't admit anything else so they should only charge me like oldcodja said I should pay the fares plus admin it's hard putting it into words

Do you reckon I should tweak it a bit and he read me my rights as in when we were upstairs by the bariers I dont remember the pace bit but I remember him saying I am questioning you under caution you do not have to say anything but it may harm your defence if you later rely in court can't remember exact words but hope you know what I mean lol but it probably was under pace because as he was asking questions he was writing everything down infront of me

Oh ok wont be listening to that then! lol anyway ive got my draft done for the letter to c2c Dear Sir/Madam Without predjuice I am writing to you regards to the letter you sent me dated 21 June 2010. I am advising you that i do not agree to your claim in regards to the compensation you seek of £1193.80. I want you to provide me within 7 days, full documentary evidence confirming the dates and times for all of the journeys that you are claiming i have made without paying. I would also like you to provide me a copy of my statement or a copy of the contemporaneous n9otes of the incident made by the inspector which may i also add the inspector failed in his duties to present to me the statement he had written when he had finished questioning me, he also failed to get me to sign the statement so therefore i have not given him consent for what he has written. With reference to your letter i do not agree with the inspectors statement of that i admitted avoiding, he said and i quote "where do you travel from?" and i replied "southend east" he then asked "When did you start travelling from southend east?" i replied "since november because i moved address. I do not dispute the two fares that is 14th and 18th June which i did not have a ticket and were found to be travelling in breach of railway byelaws for which i appologise. I am asking c2c to accept payment of the fares due £24.40 and your reasonable administration costs of £110.00 incurred in recovering the fares and i sincerly appologise for the incident and i undertake never to repeat it. Yours sincerley ................. hopefully this should be ok but if anyone wishes to correct me please feel free.

Thank you, that is really helpful! I was also talking to a solicitor about this and he was saying something about proving on a civil something the balance of provablities I don't know all confusing! lol justtrying to draft a letter up

This is going to be long winded but here goes...... basically last friday 18th june i was stopped by a revenue protection inspector at barking station and asked me if i had a ticket and i said no i haven't. By this time i had already touched in my oyster card to go from barking to becontree. i couldnt present a ticket but i pulled out my wallet and said can i pay for one now which fell on deaf ears and took me upstairs, he then read me my rights and under caution etc..... he asked me he reason for not paying i said it was my fault i got up late couldnt afford to miss the train got to it a minute before it arrived so i didnt have time to buy one, he then scanned my oyster card and said did you pay for the 14th june i said no. He then asked when did u start travelling from the station you board at? i said since november 2009 ( i haven't admitted not paying any fares at this stage) asked how many days a week do i travel i said 3 anyway i had to surrender my oyster card to see when else i had been travelling i agreed, he gave me a permit to travel the rest of the day and that was that bear also in mind he was writing everything down as he was talking to me so i presume its a statement. As far as im aware the RPI's are supposed to get you to read through the statement they have written and if everything is agreed then i should sign and date it he did NEITHER! On the saturday morning i recieve a letter saying: on friday 18th june was spoken to by an inspector and was reported for not paying the fare due fore the journey At the time of making this statement the fare which was due at the time travel had not been paid and i therefore contend that the intention of myself was to travel on the railway without having previously paid the fare and with intent to avoid payment thereof. We seek the sum of £110.00 as a contribution towards the prosecution costs and compensation of £1098.00 in relation to the unpaid fares Contrary to section 5,3,a of the regulation act 1889 as ammended by the transport act 1962 The british railways acts section 35 (5) 1970 and section 18 1977 and basically if i send a cheque of £1208.00 by 9th july they'll forget the whole thing! I did reply to them and they basically sent a letter back to me saying they reduced the amount by £15 setting up court dates because "apparently" i addmited to the RPI that i avoided paying my journey since november which isnt true because i didnt admit to it and they have been through my oyster card to see when ive traveled and a ticket person said to me they have probably tried to charge me since november. while he was questioning me, their's no mention of me trying to pay him and he didnt get me to check and sign it off!!! I would be more then happy to pay £110.00 plus two days travel just need help to have some sort of template of a letter to send to them plus can i say the RPI's is forging my statement or misleading HELP PLEASE!!!!!