On the 11th Nov 2014 I got flashed by a mobile camera doing 56 in a 40mph. Wrong I know, my first time, and it won't be repeated. I confirmed I was the driver and then received the Fixed Penalty Notice of £100. I paid this online on the 8th Jan 2015 for which I have the email receipt, and then sent my licence a week or so later. I forgot about this for a while as you do until I noticed a refund for the fine in early late Feb, I received a letter dated 25th Feb saying that I had refused the offer of a FPN. Puzzled, I phoned the DVLA to ask them what was going on, they had no knowledge of what was going on, and had not received my licence. I reported it lost, and reordered a new licence. I now have this summons saying I refused a FPN. Also, there is a page that says "You have been charged with using a vehicle without necessary documents...." etc... This don't make sense Anybody have any help here?

Hi. I had my car serviced by a company that a failed to provide a good service and b put on parts that I specifically did not ask for and charged me. I part paid the invoice, and they have taken me to court for the balance. The company was a ltd company, but the court summons does not mention the company, it is from a n individual (one of the directors). Is that still a valid claim? Thanks

Hi Guys, I would like some advice please. I received a council tax final notice on 11th Match 2015 asking for payment of £64.42 before the 25th March 2015 to avoid being issued with a summons. I paid that amount on 14/03/2015. However today I received a bill for £180.00 plus summons cost of £120.00. I believe I owe £180.00 for council tax but don't see why I should be asked to pay the summons when I had already been sent a demand for final notice. Is there anyway I can get the summons costs to be cancelled? Is there any template letter I can use for this? Thanks,

Not sure if I have in the correct part of the forum. A friend of mine has received a Claimform from Northampton/Salford for a course started and stopped at the end of 2012. Date of service tomorrow and received yesterday. The amount is for £1800. Interest being charged and added at 8% per year. Brief outline was, started course and explained he was applying for student finance - and signed paperwork. Student finance was declined after 2 months - he had been paying the monthly fee himself but explained he couldn't carry on as couldn't afford. also explained he was moving back to London due to personal reasons - he gave his new address. Heard nothing and then a brief exchange of emails end of of 2013 and beginning of 2014. He explained the situation and never received reply. First he heard was the county court summons. He has copies of emails sent. Can anyone advise how to move forward...

Hello All, I'm writing in hope that some one can provide some advise and guidance. Today we have received a requisition request from the courts to attend court in April for failing to notify the DVLA of 'Change of vehicle ownership' However, we have the acknowledgment letter and reference number from the DVLA confirming receipt and notification of details being updated on DVLA Records. Obviously we are going to make contact with the DVLA, should we also send a copy of the above to the Designated Officer at the courts? What if DVLA contest despite us having proof? Thanks for your time, we look forward to reading your replies.. Regards Geoff

Hi, I haven't had to post on here for ages as I feel I am finally making headway. Just a brief background I had a period of homelessness and illness, then struggled to find work when I had a home. Last April I got work and have worked so hard to get on my feet, after mistake after mistake from the CSA and Council I am making headway. Unfortunately another council bombshell hit me on Monday. I have been paying an agreed amount of council tax monthly and have kept up payments so assumed everything is fine. On Monday my day off, I walked in to a summons on the doorstep, the amount was exactly £400 + £55 costs + £50 if it goes to court. I assumed it was a mistake so phoned the enforcement agents on the letter. The first lady was totally unhelpful and just said I had defaulted and that was the only information I could have. I then went back through a year of bank statements to see if I had missed anything but I hadn't. I did however receive a letter in January for an outstanding amount of £12. Now I wrongly assumed it was an extra on a recalculation, this recalculation was made when my Girlfriend moved in and I lost my single person discount. I had informed them and the payments went up. I paid the £12 the next day after the letter. On phoning again armed with this information it seems to have been a calculation error, they didn't put enough on my bill. The long and short is that the Council only send one reminder then it is summons time, they counted the £12 as a reminder. My Girlfriend and I then did a calculation and found with what I paid and this extra £400 I would be paying £161 MORE than the maximum for the band B I am in in my area. So yet another call this time to the council. They finally admit a calculation error and the figure was lowered to £239 which I paid £130 there and then and a promise of £109 on Monday (I get paid weekly) then they will lift the summons. Now one problem is I am still getting stitched as I was single from April to January but am being forced to pay the whole year without the discount. Now I am prepared to let that go as she did spend a lot of time with me and I don't really want to rock the boat on what is legally living together or not (she had her own place however). But are they likely to lift the summons and not charge me the £55 costs with the £50 court fee? They say it will be on Monday but the other enforcement officers said there is no way it could be lifted unless the fee was paid. I am at my wits end. It is so grossly unfair I received no letters and everyone I have spoken to claims a different number of letters were sent. I know I received nothing or it would have been paid.

In october 2014 i had a visit from Capita saying i had no tv licence, payments had bounced etc so he went through a form with me and i had to sign this detailing what tv etc i had. He took my bank details and we set up a new direct debit quarterley. 2 payments have already gone out. However this months has bounced but i hope to rectify that soon. Yesterday i receive a summons stating i had nn licence when the officer visited in october and i have to go to court. So confsued as to what i owe, why i owe it and what i do not??!!

Hi Guys, I have an issue where I have been summoned to court for not sending my driving license to dvla. I was offered a fixed penalty for a speeding offence. I paid the £100.00 fine online and sent my documents off to dvla to be endorsed as requested. Sometime later I then got a summons to court for a date in March. I contacted the fixed penalty office to query why this was as I have proof I had paid the fine. They replied saying that they hadn't received my documents, even though I had sent them via royal mail on the same day. They said I would have to attended court and plead my case, if I lose it will increase to 6 points and up too £1000 fine. I have today applied for a new license as I need this for work. Please can someone advise me what to do

Hi everyone, I am having a traumatic time with Bryan Carter Solicitors at the moment. My partner has received a claims form asking for £2600 from a Halifax Credit Card debt three years ago. The claims form was only received on Tuesday 24th February, but was dated 6th February. Now this is what worries me and where I get slightly confused. He called them straight away and they said they will hold off judgement, providing that the debt is cleared within six months. I called them as what they stated to my partner, didn't sit well with me, nor do I trust them AT ALL! And initially they said they cant send anything in writing to confirm that they will hold off judgement for six months. But they did change their tune when I mentioned the FCA and said they will get a letter out confirming that 'if he says true to an agreement, they will hold off judgement'. But again I don't trust them. I feel slightly stressed and confused, as I feel that I have lost the chance to do anything now, as N9A form should of already been submitted (I only know slight information regarding how CCJ's work, as I dealt with litigation in an insurance firm) so any help/advice would be greatly appreciated. Many thanks

Got a summons this morning from my local authority for non-payment of Council Tax. I have been paying over 12 months despite them never actually issuing me a bill. I went and found the value of the CT and have been paying via Bank Transfer a value more than the 12 monthly figure. In December the Council changed their Bank account and this was the first letter we had all year. I duly corrected my payment on the bank but only paid £1 for the month. This would have put me slightly behind and in mid-January we got a 'Council Tax Reminder Notice' (No idea if its the 1st, 2nd or final) so I split the outstanding value and paid 1/2 at the end of January. So, whats the chances of swerving the £80 costs? I have paid more than the outstanding Council Tax bill so they now owe me £1.something from that. My argument primarily is there seems to have been a Procedural Improprietry (sp?) in that they have failed to follow the procedure of issuing 3 reminders before preoceding to summons. Is this worth trying?

Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 03 February 2015 Acknowledge By – 21 February Defence – 07 March - yes file by 4pm (Are my dates correct?)^^ What is the claim for – the reason they have issued the claim? The claim is for the sum of £8600 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £9100 including costs Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 23/10/2013 Did you receive a Default Notice from the original creditor? 20 November 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2008 Was there a dispute with the original creditor that remains unresolved? No other than excessive overdraft charges Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I sent a CPR31.14 request to DrydenFairfax on 11 February 2015 Recorded Delivery I have disputed the claim and logged my intention on the Court Website 11-02-15 I had an Overdraft facility with Lloyds bank in 2006. Due to changes in my circumstances my borrowing began to spiral and the charges compounded the problem until it became unmanageable. I changed banking providers in order to get back on my feet. Although a number of DCA's sent letters and calls I always asked for CCA's which they could never seem to provide and they would disappear. However I have now been contacted by Drydenfairfax 16 January 2015 and a Summons followed which I received 06 February 2015. I do feel the charges were excessive and that is why I elected to defend the claim. I would just like some advice as what my next steps should be.

Hello all I am new to the site and was looking for advice on this matter. I am a motor trader and was using a vehicle with valid trade plates displayed. For some reason it was picked up by a camera as 'untaxed' The DVLA sent a letter asking for a fine, to which I replied explaining that the vehicle was using trade plates. They do not seem to have received my response and have now taken the matter to court. I have now written to them again but they have not yet responded. My problem is that the court date is approaching and I am now not sure what to do. Does anybody have any advise on this? Many thanks in advance

I received a court summons for unpaid car tax. I am so stupid! I got the car end of October and I was meant to pay for car tax, but kept forgetting. the car broke in November and has had lots of issues that I have taken it to places to get looked at and haven't taxes or sorn it. I did receive a letter in November for a fine, but I was so stressed out I completely forgot about it until today. I understands am guilty and will plea this, but I am worried about if I would go to prison or how much the fine could be. Can I do anything to prevent this going to court if I paid the initial fine? Please help

Hello CAG posters, Any advice on my current predicament would be MUCH appreciated: Last July I was caught on the TFL network for using a friend's Freedom Pass. I provided my parents' address (genuine, and it was checked via a phone call to Inland Revenue). I admitted that I was trying to save money and when asked why I did this, I replied that I would be leaving the country to volunteer abroad for a year and needed to save some money. My parents received a bailiff letter last week to collect a sum of over 800 pounds. I imagine this is because I received a court summons and did not attend the hearing. However, I left the country mid-August last year (I have evidence to prove this: contract with NGO; entry stamp at airport). I am due to return to the UK in a couple of months but am really worried about: a) getting arrested at the airport b) having to pay the new sum of over 800 pounds What are my options and how I can limit these hefty costs? Please, I know I have been very stupid in this regard, but don't need any more guilt trips. I have registered on this forum for professional advice and would be very grateful for any such posts. Many thanks

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 26th January 2015 What is the claim for – Personal Loan The claimants claim is for the sum of 7973.19 being monies due from the defendant to the claimant under a unsecured loan agreement regulated by the consumer credit Act 1974 between the defendant and Lloyds TSB Bank plc under account reference xxxxxxxx and assigned to the claimant on 30/06/2013 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claim also includes statutory interest pursuant to section 69 of the county courts act 1084 at a rate of 8.00% per annum (a daily rate) of 1.45 from the date of assignment of the agreement to 23/01/2015 being an amount of 830.85 What is the value of the claim? £7463.19 Is the claim for a current account (overdrafticon) or credit/loan account or mobile phone account? LOAN When did you enter into the original agreement before or after 2007? Before - November 2003 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No by the assignee/debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Can't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments? Dispute over PPI What was the date of your last payment? March 2007 Was there a dispute with the original creditor that remains unresolved? yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Just a quick history on this one, back in 2007 I had a loan with Lloyds TSB, I complained about the PPI and then ensured a huge battle with Lloyds over various accounts, cards, etc, etc It ended with me opening a new current account with the Natwest and moving all my DDs/standing orders there. Therefore I believe and I have statements to prove it, that the last DD payment on this loan was March 2007. Lloyds were supposed to refund £2900 worth of PPI back against the loan in question, therefore reducing the amount outstanding and shortening the term. By looking at the balance they didn't do this. In October 2013 Lloyds sold the account to Lowells, they sent me a letter informing me of the fact they were intending to make me bankrupt! I sent them a time statute barred letter, told them to back off and I received a reply saying the account had been put on hold whilst they investigated..... Yesterday I received a claim form from Northampton, I'd had a few letters from a company called BR Legal, now it appears they are taking me to court!!! I rang them, told them the account is time statute and they know that It would appear they are going off the default date which is 2009! I informed them this is incorrect and any judge would not be impressed should this land in their chamber! I've been told to send in my defence..... I'm furious Is there anyway I can stop this in it's tracks? Or will I have to go through the whole chore of defence, witness statements, etc, etc, I have bank statements saying the last payment thanks in advance

Hi In August of last year I was caught by an inspector on a train to Waterloo, with the wrong ticket. I had purchased a cheaper ticket that would not reach my destination, when I was questioned I panicked about the fine and initially gave a different address to my own. I then admitted this and signed the inspectors statement. I won't make excuses, it was the worst decision I have ever made and was something that has caused me great pain and regret since. All I can say is that I was travelling up to a temporary work placement for which I was not getting paid and was short of money at the time, also my mum is a recovering alcoholic and had a relapse the previous day. These are the only factors I can give that contributed to what was a stupid and idiotic action. I cannot stress enough the pain and regret I have experienced since. It was a first time offence and I'm not usually the sort of person to get in trouble. In December SWT sent me a letter asking for further details to which I duly responded, humbly apologising as much as I could and asking whether they would consider settling out of court. I have just heard back from them yesterday as I have received a court summons to attend in February. I have read many forum posts and believe the next step I should take is to ring them up and try to get them to agree and out of court settlement. Is this the best way to go about this? James

Hello, Just received a Court Summons letter for unpaid Council Tax, but I believe that I'm not liable. My wife and I rented a flat from a private landlord from June 2013 to January 2015. We have a copy of our Tenancy Agreement which states clearly that "the rent is inclusive of gas, electricity and Council Tax". A Council Tax bill arrived in July 2014 but was ignored (in hindsight, probably should have dealt with it). Another Council Tax bill arrived in December 2014. This time I wrote an email to the Council stating "we're not liable - see attached Tenancy Agreement to see we're not liable". The Council wrote an email back stating "you are liable as your name appears on the bill". wrote an email back stating "we're not liable, did you even look at the Tenancy Agreement, under no circumstance will we pay unless a Judge insists we must". Note that the Council only wants Council Tax for the period July 2014 to January 2015. I have two concerns. Firstly, it's clear something changed in the summer of 2014. I worry that the Court may say something along the lines of: "the Tenancy Agreement terms were changed by the landlord, so that rent was exclusive of Council Tax, landlord didn't inform you - you need to pay the Council Tax and sue the landlord separately". Is this something that's legally possible? And Secondly, I worry that if the Council finally realise I'm not liable, that they will continue to seek payment for Costs of £86 which appear on the Court Summons letter. They may say: "you didn't inform us about the liability dispute until the Costs had already been added so you have to pay". Whereas I would argue that my emails sent in December should have been enough to see that I wasn't liable. Do I have a case? I have booked an appointment with the Council so will hopefully try to sort it out. Affordability isn't an issue as we would be able to pay in full if required. Any advice will be appreciated.

Hi everybody, I moved into my property on October 2014 and had to fill in a form to say I was a single occupant and since then I have heard nothing unti I got the letter below (excuse the spillage) along with a expenditure form. Now I cant pay the amount by the date stated and the last thing I need is a CCJ. Any advise thank you please.

Hi All, Please advise on the following situation. I will try to make it short whilst providing as much information as possible. We are relatively new in the UK - I came 4 years ago and my wife came 3 years ago. We moved to Woking last year and never used trains from there as I work there and my wife was on maternity leave. She returned to work on September and when she was buying tickets from Woking to Bond Street (she is working there) the officer advised the best option would be to buy a weekly ticket from Woking to Addlestone and buy a Zones 1-2 Oyster Travelcard. He explained that one can travel from Woking to Addlestone via Clapham Junction and as she also has Zones 1-2 Travelcard, her ticket will be valid from Clapham Junction to Waterloo and then to Bond Street. So she can use it to travel from Woking to Waterloo and then from Waterloo to Bond Street. She purchased that 2 seasonal tickets and was travelling all September from Woking to Waterloo and then from Waterloo to Bond Street. Trains from Woking to Waterloo are regularly checked by on-train ticket inspectors and she never had any issues with them; they were checking her almost every day and saying that her tickets are valid and correct. So she traveled like this all September without any issues. On 1st of October, when she touched out in Waterloo Station, she was approached by a man who called himself a ticket inspector and he asked her to show her tickets. She did this and then he said that her tickets are not valid and she cannot travel using the tickets. She was a bit surprised and explained that on-train tickets inspectors were checking her almost every day and she never had any issues. He said that it doesn't matter and asked her to provide her details which she did. She provided all the details correctly. He then took her tickets and said that they will contact her soon. On the same day, when she came back to Woking, we approached to ticket officer and asked them to sell the most expensive ticket possible so that nobody could ever doubt it. And from that day she started to travel with the most expensive seasonal tickets. She is still travelling with that tickets. I want to specifically mention that she NEVER intended to avoid buying tickets. The only reason why she was travelling this way is because she was originally advised by a ticket officer to buy these tickets and she also was checked by ticket inspectors from Woking to Waterloo train every day and nobody ever told her that tickets are wrong. So she never realized they might be wrong. If the tickets were wrong why ticket inspectors were saying they are ok? We are on visa in the UK and definitely don't want any troubles, so we always prefer to pay more but avoid any issues. The fact that she started to use the most expensive ticket right after the incident proofs that. We've got the letter in December from SouthWest Trains Prosecution Department and they advised her to tell her version of the story. So she wrote them her answer, pretty much the same I wrote here. We've got their response today and they are saying that she was using incorrect tickets from Woking to Waterloo and they are going to proceed this case to the court because her actions constitutes a breach of s.5(3)(b) of the Regulation of the Railways Act 1889. This is pretty much the all story. I really, really want your help and advise with this. What can we do now? Can we sort this out by a phone and pay them the amount they want without going to court? If we hire a lawyer what are the chances that we will win the case? And if there is no way of avoiding going to court could you please advise which lawyer company is good with dealing with this? We are obviously not millionaires but we don't care about the costs in this case; we both are honest skilled workers and on visa in the UK. We never had any issues before, never did anything dodgy, we just honestly working, paying taxes, respecting culture and laws and living a quiet family live with our baby without disturbing anybody. If she gets a criminal record we will not be able to extend our visa here, will have to go back with our 1 year old baby, this will literally ruin our life forever. we are ready to pay whatever it is to avoid criminal record for her. Besides I really can't understand, if the tickets are wrong why on-board tickets inspectors were saying they are ok every single time they checked them? If the ticket inspectors ever advised that her tickets are wrong then she would have changed her tickets immediately like she did after this incident and the incident would not have been happen at all! I am really speechless! I will greatly appreciate your help guys! Thanks a lot!

Hello back on 17/7/2014 I received a letter from trethowans solicitors saying my car had been parked at north middlessex hspital car park and that a breach of contract notice was issued to the driver there on 1/7/2014 and the charge of £40 had not been paid so they wanted me to pay as the registered keeper. I maybe stupidly ignored as didnt think it was. Turns out it was taken to a&e by friend and had very long wait there and didnt have the £13 in change to put in machine not that that was on mind at time. to cut long story short I have now recieved today court papers what do i do from here?

Well, they have finally done it. Debt Enforcement Action Limited have sent me a summons for parking on my own land. This resullts from a claim 2.5 years ago when my vehicle was parked on land I own that is covered by cameras operated by CEL, who were too stupid to let things drop and sold on a non-existent debt to these chancers. Oddly enough the address for correspondence is not their maildrop in London, nor their director's home address but the office address for CEL. I have filled out my counterclaim and hopefully I will put them out of business since they wont be able to withdraw the claim without paying me a small fortune. To rub a bit of salt in the wounds I will not rely solely on being their supposed clients landlord and supremacy of contract and will list other more standard defence points that anyone can use. I will let you know in a month's time what else I get through the post on this.

My wife received Small Claims Summons recently and whilst debt is ours I have no way of knowing if the debt amount claimed for is correct or not.. .I have left this a little last minute as return date is 4th December however I wanted to run my intended actions by some of you guys for comment to ensure I am going about this the correct way. Santander is where the original debt lies but looks like they sold debt to Arrow Global.. .do I write to Santander or Arrow Global to get copy of agreement and statements OR Arrow Global OR their representing solicitors in Edinburgh ? Also want to know if there is any PPI on this as this too could affect the total debt sum. Whist writing to (whoever above will give me said info) my plan is to return the court small claims summons completed and on time stating I am disputing the amount claimed. My other questions are Do I submit a defence with the return paperwork to court stating I have requested the account info and finally when case does call am I allowed to attend as my wifes representative as she is way too scared to do do herself ! As always any help/views/comments you can provide will be very much welcomed. .thanks all.

Hi In July my son was travelling by train from Bolton to Manchester to go to work. He had a monthly pass which he showed to the ticket inspector before going to the platform and catching the train. It was only when he got off the train at Manchester that another ticket inspector noticed the pass was two days out of date. My son explained that he had not noticed it was out of date as he had not used it for over a week as he had been off work for a week and offered to purchase a ticket. He was told all he needed to do was give him his details and the reason why he had not noticed the ticket was out of date which he did. He thought nothing more of it until last Thursday a letter came here for him (as he was living with me at the time) because he was working away he asks me to open any mail that may come here instead of his own address which I did and it was a court summons stating that the case was to be heard Dec 1st. I've spoken to him as he is still working away and he is not sure what to do. He can pay a £100 fine and it doesn't go to court, plead guilty and receive a fine of up to £150 or plead not guilty and if found guilty he could receive a fine of up to £1000 (the original fare he should of paid is £4.10). We're both really angry because the letter states he had received two letters in August one asking for an explanation and the other informing him of the fine because he had given them my address they would of come here and I definitely know they didn't. Also the documents are stamped 4th November and it didn't arrive until the 20th November! The documents have two witness statements the ticket inspector and an admin women who states two letters were sent and has them as exhibits. We both had a discussion on one hand should he just pay the early settlement fee of £100 he has until tomorrow to do that or should he plead not guilty as it was a genuine oversight and not as the charge states an act to intentionally avoid paying the fare. Any advice would be really helpful but we really need advice quickly as he only has until tomorrow to make a decision and send the documentation back for Thursday.

Hi Hope someone can help. I am reading conflicting accounts regarding councils sending out summons for court appearances re council tax. On one hand, I'm reading it's illegal and, on the other, just came across this piece on the web which seems watertight. Please can someone clarify the situation? Many thanks. "There is no statute which authorises (or prevents) a council preparing a summons on the court’s behalf. Under section 51 of the Magistrates’ Court Act 1980 (http://www.legislation.gov.uk/ukpga/1980/43/section/51), a person can apply to the Magistrates’ Court for a summons. If it is granted, it is customary that the person applying drafts their own summons, which in the case of Council Tax is the Local Authority. There is no statute which authorises a summons to be issued by the Local Authority. The summons is issued by the court when the application is approved and endorsed by a Legal Adviser and the Council informed of the outcome of their application. The summons may then be printed by the complainant and that is now the normal custom in relation to all summonses. It is the responsibility of the person applying for a summons to serve it on the respondent and Rule 99 of the Magistrates’ Courts Rules 1981 sets out how that may be done, which includes by post. There is no agreement between courts and local authorities to do this, as it is the legal duty of the local authority in every case".

Hi there, about 2 months ago I got on a bus using my wallet to tap, I assumed my contactless took the payment, I had my oyster but wasn't sure it had money, got on the bus no issue I didn't really take notice it beeping or anything like that. I was approached by a conductor during the journey but I couldn't find my contactless, I didn't show my oyster because I didn't think it took the payment. The conductor took my detail and said I'd get a letter and I could respond with my bank statement recording my journey. Checked my statement and nothing had been recorded, checked my oyster balance and it had sufficient funds. I responded to the letter with this info and told them I assumed my Oyster card must have had sufficient funds to pay for the journey. They responded that it hadn't and nor did it have sufficient funds to cover me and that they will notify me of their decision. Last week I received a court summons! I am a uni student about to graduate, I've got no evidence to prove I paid and don't know what to do?! I accept that no payment has been recorded and so I would be due to pay the fare and possibly a fine but I really can't afford a criminal conviction. I didn't intend not to pay, if I hadn't it was pure accident, and this would be the first time I've been so careless in not assuring my payment was acknowledged. know I could possible settle out of court by emailing the prosecution team at tfl but I don't know what to include in my letter? lease could someone assist me, my hearing is in 3 weeks and my career is about to go down the loo if I plead guilty, even if I plead not guilty I have no standing and they'll probably find me guilty anyway. All help will be much appreciated thank you!!