Hi Im really hoping someone here can help me. I will try and keep this as short as I can. I started a degree as a september starter but changed my university and course 5 months into my first year and then become a february starter. Student Finance did what they called a 'multi-acedemic accessement' My 2011/12 acedemic year went from sept 2011 right through to feb 2013 which was when year 2 started. I was entitled to full parents learning allowance and special support grant for this period. I also claimed for childcare which is where there seems to be a problem. I received a payment in sept 2011 and jan 2012 for childcare which I used for childcare and confirmed with CCG2 forms. Because of the change in the course I didnt receive the normal feb starters payment in february (due to already getting januarys money) so between feb 2012 and jan 2013 I received 2 payments of grants, loan and childcare. The money given to my for childcare was used for childcare apart from around 1500 pound (this was only because no one was able to tell me what figure was the speacial support grant, childcare and parents learning allowance) I had to figure out this for myself (very difficult when you dont know how they calculate the multi acedemic accessements). they have sent me a letter saying they have overpaid me 5255.00 pounds in grants between 2011/12 year. this is not true and they have taken the money from my grants which leaves me and my two children with hardly anything (its going to probably force me to end my degree as I cant afford to get there etc let alone pay my bills). Ive looked at the figures and they are quite clearly taking into account the two childcare payments they gave me prior to changing the degree (even though it was used for childcare) Im therefore being penalised for changing half way through, which makes me wonder what was the point in the multi-acedemic assessement as its not uncommon for a student to change their mind in the first year. both before and after the change of degree i was entitled to childcare and regardless of it being used and confirmed for childcare they still want it back. theyve not even confirmed how they have come to this conclusion all they are saying is its due to a childcare overpayment and thats it. I would honestly know if Ive pocketed 5255.00 for myself. I hae completely followed all avenues with the complaints team and its gone to the final stage so got to wait 10 working days for a response. this has been going on since december last year and Im getting nowhere. Its got so complex that the staff (even complaints team) cannot make heads nor tails of the account. Please help if you can as I simply cannot survive on just my loan.

Hi everyone, I'm a university student, during my second year I rented a house with a friend (boy) from my course and someone he had previously lived with who was a third year student (girl), we lived there between September-July and we were all full-time so we claimed an exemption for council tax. Today my friend received a letter from a bailiff at his parent's house addressed to both him and me, but not the third person, saying that we owe about £250 in unpaid council tax, we then realised that the third person had finished university in June, and was therefore no longer classed as a student for the final month we lived there, whilst both of us had another year to complete. We contacted the council and they asked for an address to contact the third person, as the boy was the lead tenant on the TA only his address is on there, we managed to contact the third person and she told us she was on holiday and won't be back until the end of the month, she refused to give her address but we've managed to get her name added onto the bill. I've done some research and it seems that we are not liable as we are still students (the council website states that the exemption lasts for as long as we are students) and that the third person will have to pay, is this true? If so, how do we go about making sure she pays if she refuses to give any information? Obviously we don't want to disturb her whilst she is on holiday but we are both keen that my friend's parents do not get any trouble for something that has nothing to do with them. Thanks in advance.

All being well my dd will be going to Uni this September. She has various disabilties and receives LRC and LRM DLA which as it's an indefinite award should take her to 2015 at the earliest before being assessed for PIP. She'd never manage in halls so is planning to rent a flat and share with a friend who knows her needs and will help her. dd will be studying a full time course. Am I right in thinking that she can apply for ESA while at Uni? I expect that her student finance will mean she won't actually receive any though? And am I right in thinking that she can be 'awarded' the benefit but receive nothing (due to her income from student finance) but the fact that she has been awarded/approved for ESA might then mean she can claim housing benefit to help with her rent? Hope that makes sense. If I am wrong, I can't see how she will manage through Uni, as her student finance adds up to under £7000 for Sept - June and if paying 50% rent & 50% utility bills, would never survive.

HI, i am looking for some advice with regards to how i can handle my debt of £1331.80 with Wescot credit services. The debt has been bought by them from natwest and is from a student overdraft. Wescot have stated that they will send the debt to a doorstop collection agency if i do not phonme them with regards this debt. Having read a number of threads on this website i have understand it would be more desirable from my point of view to only deal with them through writing. I am currently unemployed and don't have much money i could spare in order to pay large chunks of this debt. Basically i am looking for advice with regards to how i should go about contacting Wescot and setting up a payment schedule with them. Thanks for your time reading my query.

A foreign business man comes to London for a conference and before leaving his country he told the host that he would stay two more weeks to enroll on a short course they held. He arrives and after the confence he started the course after paying the full fees. Three days into the course they terminated his enrollment on the basis that he did not have a student visa. He went to the home office where he was told that he did not need one since his entry visa does not forbid him from taking short courses. The problem is he has to leave on Saturdy and he missed three days of the course. The course is of no use now and he is obliged to stay on his expenses or pay extra money to return before his flight reservation. The institute suggested to refund him the course fees minus the three days he attended with no regard to their mistake which cost him non attendance and non needed extra accommodation expenses. Where should he turn to complain?

Hi, I am a new member of these forums, but have been using them as a guest for a long time. After watching the 'how to post' video short, here is my question. My Question today concerns Link Financial Outsourcing, AKA Thesis Servicing. They took over where the Student Loans Company left off some time ago. My original loan from them was in 1994 when I was at Portsmouth university. when I left, I filled out a 'referral' form because I did not not earn enough to reach their 'minimum earnings for repayment' limit. That was the last that I heard from them until last year (August 26th). They got my address from my parents and started claiming that I repay the loan (now £3026.46 with interest) I conducted some research here and on other forums and sent them a letter claiming that it was my belief that the alleged loan was statute barred under the Limitation Act 1980 Section 5: "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I heard nothing, and so I emailed them on November 11th 2012 with a copy of my letter. They responded on the 13th November with the following: "Further to your email we are writing to advise that your letter dated the 30th October 2012 has been received and your claim that your account is statute barred under the Limitation Act 1980 is being investigated. We are currently waiting for some information from the Student Loans Company and on receipt of this information we will write to you with our response" Again, I heard nothing from them until this morning, whereupon I received a 'Notice of Sums in Arrears'. As you can imagine, I was amazed. I telephoned the company, admitting no liability of the debt, and using phrases such as 'the alleged debt' and was told that a 'CCJ was issued before the 6 years had expired from the original date' and therefore the account was unable to be listed as statute barred. They claim to have sent me the 'legal documents' in the post back in November, a letter that I have never received, and have told me that they will be pursuing the alleged debt. After a check at the Trust Online, I can see that there are no records of CCJ's for me, which means to me that they either don't exist or have expired (6 years limitation). There is also nothing listed on my credit report, obtained from Experian What can I do now to get this company off my back? As a sufferer of Acute Unipolar Disorder (Clinical Depression) their communications are causing me a lot of mental anguish and stress. Many thanks , in advance, for your assistance and advice, Martin

My student loan comes out of my salary, and I think it should be paid by now. How do I find out if it has been paid off.

Please could somebody give me advice on my current situation with the student loans company. My loans are all pre-1998. For the past two years I have been out of work but not claiming JSA. My income during this time has been extremely low and for the most part falls below what I would receive claiming benefits. The first year in this situation I filled out my deferment form giving details of my income backed up by payment reports from the companies that I receive payments from. This was accepted without question. The second time I was required to fill out a deferment form I sent exactly the same information in the same format as the previous year. On this occasion they did not accept deferment and replied saying that I needed to provide further evidence of how I could survive on such a low income. Although eventually I was able to satisfy their need for further information - in the time it took to do so they began to demand repayments and charge me for each letter they sent. The arrears and charges have accumulated to an amount that I have no way of paying. For each month that passes I am being charged £40 in letters which is being added to the outstanding balance. On top of this they have given me a 'default notice' which affects my credit rating. My main question is what should be my main course of action to get out of this mess ? Additional points that I would appreciate some information on .. - I read an article about student loans (http://www.guardian.co.uk/money/2009/apr/29/student-loan-poor-credit-rating) and credit scores which stated the 'measure was a last resort and said it would contact borrowers first and give leeway to those who are genuinely struggling.' . As they had received all information relating to my low income should they have been allowed to give me a default notice? - I attended two universities. When sending out deferment forms each year my loans from two universities are combined within one deferment form which is sent to me in a single letter. When sending out arrears letters for which a £20 charge is incurred the loans are split into two separate identical letters which arrive at my home on the same day (Costing £40). In the past I have been credited for some of the letters (As a gesture of goodwill) but then they continue to do the same thing. Is this allowed or is there any way to stop this happening once and for all? - I have already sent them letter asking them to reconsider their position and asking them to reverse the charges and arrears but this has been acknowledged but ignored. Would there be any benefit in contacting some external organisation such as the financial ombudsman etc. Any advice would really be appreciated.

Hello, International student. Was on a 2 year contract with Three. Three sold my debt to DCA. Made one payment using a debit card to DCA before I left the country. Thought I would get a job and stay in the uk. Didn't after graduating. Left the country. Was charged on the same debit card by DCA after leaving. Didn't authorize this, reported to bank as fradulent transaction. Got my money back. I live in developing country and mail takes forever to reach. Bank said they will mail new cards along with other papers. Bank said I have 10 days to respond to mail or i am legally liable for the transaction. Was asked if I consent to police being involved when I reported. I said yes first time and then called back and said no. How to proceed? Worried sick. Will bank tell DCA/police of my new address? What do I do? HELP!

I went into my Barclays branch in 2004 to see if I could get a £50 overdraft...and came out with a Barclaycard with PPI added on. After doing my research I know I was mis sold this policy as: * I was a student working casual hours as a waitress * I didnt ask for it * I was told it was compulsory and I would only get the card with PPI added on * I had not been working more than the required 6 months to legible to make a claim - yes ive done my research. Yes the features and benefits were explained, but i was took advantage of, I had jus tgone 18 and the banks practically rinsed me. I did try to make a claim on the policy a few years later, my circumstances were the same, but this time I was at univeristy again working casual hours, the claim was rejected as I was told I wasnt legible. This is when I cancelled the policy. Im more furious at the fact that barclays have rejected my claim, as it has been blatantly mis sold. They have wrote to me today, saying asiam over 18 and under65, they believe the policy was not mis sold. They also say I was in part time employment and was therefore legible to claim on the policy - even tho I tried toclaim and it was rejected !! They finish off by saying that they can not find any evidence to suggest tha tI was under pressure to take the policy or it was mandatory, so deny the policy was mis sold. What aremy next steps. I am so mad that they are denying a genuine case and not jumping on the bandwagon.

Can someone please advise me as to what my rights are with the Student Loans Company? Graduated in 2002 and moved abroad. Let them know by phone in 2004 that I had a job and asked them to send necessary paperwork to start repaying. Never received it. Phoned again in 2005 to let them know my new address and to request paperwork again, which I never received. Got married and had 3 kids and decided I'd deal with sorting repayments the day they started to do their job and contacted me. Fast forward to a couple of months ago where there are now 5 debt collection companies all chasing me for the default amount on the loan, recorded letters and all. Both from the UK and in the EU country Im in now. They're threatening immediate court action and applications to block my bank accounts in the country Im in now. Ive never yet had a letter from the SLC asking me to fill out assessment forms (despite me requesting) and apparently they put my loan into default over a year ago so are whacking £300 of default fines on per month as we speak. They never bothered to write to tell me my loan was in default. I decide to deal with it and call them last week to get the process back on track, fill in the assessments and start deferring until I get back into work after the most recent newborn. I've never actively avoided the debt and always had it in my mind that I would pay it back, I suppose I got curious as to how useless and long they would be. Also as I haven't worked for a few years now (supported by husbands salary) I just figured I couldn't pay it yet anyway. My issue is they refuse to tell me what will happen once Ive filled in the assessment forms. I asked if the deferment process would start and they only said we'll see once we've assessed your file. I'm so worried they're going to get even more heavy handed than the current letters Im receiving from their debt collectors. I told them I want to deal with only them as how was I possibly supposed to deal with 5 different companies all asking for the same amount. So they reluctantly said ignore them and that they MAY halt the process once I've sent my assessment forms. I feel like theres a bounty on my head and its totally intimidating. Are they or their partners allowed to use so many different companies? I am also really angry that the loan was put in default without any notification. Shouldn't they have sent a recorded delivery letter then? They have had my address for years! Can I contest these charges legally? He said there were also tracing agents fees, and Im gobsmacked, why on earth would they need a tracing agent when I voluntarily gave my address to them years ago! Do tracing agents now switch on peoples computers for them?! I know for sure they had my address as it was the first thing they confirmed with me when I called. Is this just them knowing where I am and letting the charges conveniently build up? So now Im so worried what will happen if I fill in the assessment forms. Also I read about Statute barred loans. Its been well over 6 years since I heard from them. Never acknowledged in writing or made a payment. I don't really want to go down this route. I can't handle heavy handed letters arriving every few weeks from collectors or themselves and can't imagine them accepting the loan is statute barred without a fight. From what I read they can still pester you for the money they just can't take you to court. Is that right? Doesn't sound any less stressful. All I want is a fair deal to get back on track contractually. I most certainly can't pay a penny right now but have property in mine and my husbands name. Im so worried about that. I will almost certainly not be returning to the UK to live nor will I be in employment anytime soon. What are my options? Im so worried I will fill in the assessment form and they will demand the whole lot in one go. What can they actually do to me if I have no income? Their employee on the phone was so unhelpful and quietly very aggressive. He just kept telling me to send in the assessment forms but wouldn't tell me anything else. Thank you in advance. I'd appreciate any advice.

I've recently received a letter from avantis credit at my current address saying: We have been in instructed by our client to verify the whereabouts of flynnkev1 . Formely resident at (previous address) in relation to a business matter. Some facts in relation to this my credit file shows the following information:- Account type Student Loan Account number ***7085 0 Account holder status Gone-away Account start date 20/11/1998 Opening balance £ 2,784 Regular payment £ £ 43 Repayment frequency Monthly Date of default 15/10/2007 Default balance £ 2,784 They also have a CCJ Issued by Bryan carter with the following information Judgment date 24/07/2007 Amount £ 2,287 Court name Northampton 1) Whilst I did have another address. I still owned my property and had a mortgage , and was able to receive post (they changed the address without my knowledge) 2) At the time of the default I was at University the second time around and receiving a student loan. 3) I found out about the ccj after the event and made my last payment to brian carter in october 2007 the date of the default 4) I believe my first student loan was taken out in october 1997 and they have rolled the 97 loan into the 98 one. 5) Can I CCA Then? 6) I've not earned over 15k and do not currently earn over 15k Any advice what i should/can do would be greatly appreciated. cheers kev

Hi all, My partner was recently sent a default notice from Honours Student Loans (old pre-98 style) totalling £5076.35. She is a total basket case with finances and can't remember when she last had contact with them but feels that it was 'years ago'. I recall from looking back through her paperwork before Xmas (we've now moved so can't lay my hands on it again without a lot of digging) it appears that they also registered a CCJ against her in 2002, many addresses ago. She has always earned under the £25,287 threshold to defer it, but has been sporadic in doing so since she left uni in 1999. Surely the fact that the CCJ is statute barred prevents them from issuing another default notice? They must have issued one before the CCJ back in 2002, surely? Also isn't it statute barred anyway, with or without the CCJ as the last payment must have been a decade ago? And if all that fails, the fact that she's never been eligible to pay it back means that technically there's nothing to default her for, no? The default notice gives us 14 days, a week of which has already passed. I'm thinking of hitting them first off with a dispute notice stopping the clock on the 14 days until we can get this straightened out. I'm thinking then SRA them and see when they sent the original default notice and CCJ and then hitting them with a statute barred notice, or should I just go straight for the SB notice? I've just had a good result with RBS so I'm fired up!

My friend is a foreign student studying at uni here. He left his documents in his home country at Christmas by accident, but always keeps copies here in UK - eg drivving licence , visa etc He took a day return to London on Saturday, but used a photocopy of the Student Discount Card. He showed this to the ticket clerk when he bought the ticket. Unfortunately the ticket inspector on the train was not pleased and arranged for the police to come and arrest him, even though my friend explained, and also showed him the receipt for the original purchase. He is now being prosecuted for Regulation of Railways Act 1889: Section 5(3): “If any person—(a)Travels or attempts to travel on a railway without having previously paid his fare, and with intent to avoid payment thereof;” He now understands the conditions of carriage require him to carry the original discount card (although at the time he did not know), and accepts that he has broken this railway bye law 18.2 - which would normally result in a penalty charge. However he does not accept that he is guilty of "intent to avoid payment" - and what could be a very serious charge, as it will most certainly affect his Visa requirement for him to remain at study here , should he be prosecuted Thanks for any help

Hi all, I have read up on some threads about fare evasion in general and felt that it would be useful if some experts could advise me on my specific case. So to lay it out - my girlfriend graduated last year and has been jobhunting for a while. She obtained a temporary job which required regular travel and i thought I could let her use my student oyster (she paid for travelcards herself). I personally used a PAYG oyster as I prefer to walk/cycle when the weather is nice and only tube when the weather is horrible. Obviously, she was caught at the station with my card and was informed that we would receive a letter from TfL soon and face prosecution having signed a statement of some sort. We realise now how stupid it was and would never do it again - a criminal record for a new graduate in the current climate would really ruin our lives. I should mention that this is a first time offence if it's not obvious. As i understand, we should soon be receiving a letter for TfL and a court summons shortly after. I intend on writing to the prosecution manager as soon as possible with an apology and hope that TfL will not continue with the prosecution (it's in my opinion that the prosecution would probably be successful. It's hard to deny that she was using my student card when it is linked to her bank account payments, as well as regular travel) Could you give me any advice on how to proceed? Specific advice on how to write the letter and what to include would be really much appreciated - what would construed as "exceptional circumstances" (referring to tfl.gov.uk/assets/downloads/revenue-enforcement-and-prosecutions-policy.pdf, section 8.3(e)? Any advice I would be incredibly grateful for. EDIT: Edit with details of questioning by the inspector: She was taken aside by the ticket inspector and was asked to show a valid ticket - she showed my card She was asked who's card it was - answered that it was mine and admitted that she had been using my card She was cautioned about upcoming questions Ticket Inspector asked questions, noting down questions and responses as follows: Do you realise you're not supposed to use someone's card? Yes - realised, but didn't realise seriousness of consequences Do you know it's an offence not to have a valid ticket? Yes What was your previous card for travel? Student Oyster card and recently graduated Do you have another card to use? No How long have you been using the card? November but unsure. Asked again who's card it was and reason for having it - boyfriend's card and used it because he began to cycle What is your occupation? Temporary work having recently graduated I'm not sure if this can help in any way but I thought the additional information may be useful to get a better idea of the situation.

I have just sent a Subject Access Request to SAAS (Student loans for Scotland) regarding my student loan. Their reply was to say that they have destroyed the signed agreement and have a record to show I was in full time education until x date. I was wondering if anyone knew what I would nicely say to them, using the correct legal terms and laws that apply : well if you have nothing to say that I signed up for the loan in the first place, you are going to have to write the loan off. Otherwise I will see you in court and see what the Judge says about failing to have the signed agreement for the contract you are still charging me for. On a side note: no clue if this would be possible. Could I also say, why have you been taking money out of my wages (showing copies of my wage slips) considering I had not signed up to have a loan with you in the first place. Please give me all this money back since you have no contractual grounds to have taken this

Hello, I would really like to do another full time uni or college course because I think now I am in a good place mentally and would be able to do well in it, however I owe student finance from a previous course where I had big problems and had to leave.. would I be able to get more finance? Basically I did a foundation uni course and got finance for it I think it was about £3000 for tuition and about £3500 is maintenance loan which went ok, then moved onto do a full degree Did a few months of the degree and fell into trouble (stuff with my crazy ex and rental contracts etc money wise) I was really behind with the work and thought I wouldn't be able to catch up so agreed with the tutor about doing the course another time (hadn't thought about the student finance situation at the time) having had my tuition fees paid and 2 payments of maintenance loan. well a few weeks after this I get a letter from student finance saying something about me not attending the course and that they wanted the maintenance loan back immediately (£2500 ish) which I just ignored really (like I said I was in a bad place, very depressed and drinking alot I didnt give a damn at the time) Which brings me here, this was 3 years ago and I havnt had any contact with student finance at all since then, obviously I was hoping to get a full time job save up and pay back what I owe but being unskilled with only **** GCSE's I have been unemployed mostly apart from a few temp jobs and saving up is next to impossible. So now I would really like to get back into studying but don't know whether I will be able to get further finance if I apply or what I steps I should take to resolve the debt so I can apply or what, sigh, I worry about phoning the student finance to ask or apply and being told no and then having bailiffs or something turn up to collect the debt. any help very much appreciated. thanks.

I received a letter from Student Finance this morning, stating if I am earning over £15795 per year, I will have to make student loan repayments. In the booklet, it says that if you're classed as permanently unfit for work, the loan can be written off. Anyone know how I can prove this, please? ESA isn't indefinite and no-one knows how I'll be in 10 years time or whatever.

Hello I took out my student loan in 2002- so this is on the PAYE system at 9% over threashold. Right. I am an hourly paid leacturer which means I get paid per teaching hour. Holiday rate is included in the rate so I do get paid for holiays but with my normal salary. So in the summer I don't get a wage (but would have been paid this amount per hour) Now due to this some months I earn quite a bit and 9% is taken off the wage as required. Now because then other months I earn nowt, when the whole rate is caluclated against and devided by 12 it means i have ended up paying more. This happens with tax and I get a refund. I wrote to the student loans company but they will only refund where I should have paid nothing. Ie my year wage was below the threshold. Now in 2010/11 I earned about £16000 just over £1000 over the threashold. However because of the reasons outlined abouve I was charged £342 student loan in total for that year. Which is way above 9% of about £1000. It is more like 34%. Still the SLC refuse to pay this back- stating that they only give refunds if you were to pay nothing. I'm going round in circles with them. I cant find an original loan agreement which may say they will take 9%. Anyway I can't see how they can do this, HMRC Tax will recalculate on a annual basis if you overpay. Why wont the SLC do the same. Do I have any legal standing given the fact the % repayment each year is what I agreed. Please help I am going insane! Plus this will keep happening year on year out! Thank you

does anybody know if being granted a student grant of £9000 affects your benefit entitlement, housing benefit, council tax benefits and working tax credits? my girlfriend works 19hrs a week, and is classed as a full time student even though she is only at uni 11hrs a week. any advice greatly appreciated.

Hi, I just found out that for the past year I have been sold a rail pass for my student son to make a journey only two stations longer than his Oyster card covered. More fool me, you might say, but I have asked Southern Railways on a number of occasions if there were any way to minimise the cost of the journey which has been a struggle for us to pay for, and on each occasion they have never mentioned the Oyster card as an option. Isn't there an official body I could complain to about their refusal to give an accurate and honest answer to the question ' What is the cheapest option for my son, aged 17 full-time student, to travel from Station A to Station B'. I am so angry at them I could just cry... If anyone has any helpful information as to anybody I could complain to that might be able to help us even if all that happens is they have to change this dishonest policy of concealing cheaper fares which they currently use I would at least have the satisfaction of knowing they couldn't rip any one else off this way. OOOh! Feel better now that's off my chest!

HI Just received a shock of my life that my student finance has been revoked. Let me start from the beginning, i was married in Pakistan in 2007, and my wife joined me in the UK in November 2011. I am currently in year 3 in uni. For the past 2 years i have stated in my student finance application that i am single due to the fact that i was not living with my wife and she was in Pakistan, she is a pakistani national. I have this year submitted my Pakistani marriage certificate to student finance as my wife has now joined me in the UK. We have only been living as wife husband since November 2011 as in pakistani/islamic law a wife and husband can live together after a walima (a ceremony) takes place, this is after the marriage ceremony has taken place. I have received a call from a student finance rep saying that i have falsely given inaccurate information in my previous years of study so i will not get paid any student loans, grants and tuition fees. I feel this is too harsh as i have mistakenly given inaccurate information. I did not know that i had to tell student finance that a Nikkah (pakistani Marriage) had taken place. Also i have read somewhere that pakistani marriages/nikkahs are not recoginised in the UK in the 1st place. Pleaseeee can someone help me

Hi everybody. To start with, I know, 100% that I am in the wrong here and do not expect any sympathy for the situation at all, I'm just wondering as to what, if anything may happen next. Basically, this evening, having just missed my train I decided to get the bus for the 4 mile journey to a friends house. I realised that because I'd only taken enough money to cover the train fare I didn't have enough money on me (£4.90) to cover the cost of a First day ticket (allows you to make unlimited journeys in the area as I needed to get two buses), and foolishly thought I may be able to get a student first day ticket which costs £4 if i used my now expired Student card to purchase a ticket. I know, totally wrong and regretted it immediately. The card expired in September (says 2011-2012 on the card) and I'm no longer at the University. To cut a long story short, the driver asked to see the card, I handed it to him, he said that the card had expired so wouldn't be able to use it and then said he would have to keep the card, I said ok and he asked where I wanted to go - bought a single fare and nothing else was said. Since then i've been thinking over and over about what could happen now. My card just had my picture and my name on it, no other personal information such as an address etc. So, fair enough, I know I was in the wrong, stupid thing to do in the first place and something I've honestly never done before. Whilst I know it's probably impossible to say but is this likely to result in further action? As I say, he took no details from me at all and just treated me as any other customer thereafter. The card is/was property of the university - nothing to do with the bus company. It was on the First bus service in Stoke-on-trent. Many thanks

When I register my 18+ student oyster card I upload wrong picture(my wife's picture) mistakenly. And keep using that oyster card with my wife's picture on it. Yesterday ticket inspector caught me for wrong picture on my card. He took the oyster card with him and issue me a 2 weeks paper travel card. He said British transport police will investigate this. It was a genuine mistake and i was lazy to apply for another 18+student oyster card. Now I am scared........ do you guys think will i get a criminal offense?

Hello! Sorry for bringing this up again but after reading most of the threads concerning RLP and your pdf file about CAB there is a certain situation which might not be covered, mine. I'm a international student (from an EU country) in Scotland as my sister's birthday is approaching I decided that I want to go and buy her something. I went to Primark as I know that I can get something good enough at a very decent price. . I saw a nice dress and jacket, both worth around 65 quid (quite a lot for Primark). That's when it strikes me this horrible idea, five finger discount. On my way out I've been stopped, went very quiet in the back room, gave my details, w aited for about an hour until police arrived (police was not involved in most previously cases that I read about), they got my details, address and mobile phone number as well. I did apologize for what I've done and they asked me a couple of questions while they were making fun of me being a student and threatening me that I will go to jail if I don't give him my exact details (had no id on me at that time) They gave me a piece of paper about RLP, while I was waiting for the police to arrive, one of them was writing like a report and the other one went to the till and scanned the items (which were with tags on them), came back with the receipt which remained on their desk. My situation is as fallows: - I'm a student, how is this going to affect me in the future? (the policeman said this will be the end of my studies) - They said that I've been recorded by the CCTV (actually, the male dressed normally that hired to walk about spotted me, that's what I got from their RLP guard and the policemen) - I'm leaving at the address provided only temporarily (for another two weeks) - My parents don't help me so much with the money as they cannot afford (100 quid is a wage for a hole month in my country), usually what I get during the summer from my job is what I have during the year 1) When I'll receive their letter should I reply to them saying that I want no trouble and pay them in 10 quid instalments (less food for me)? Do you predict that they would accept? 2) What is this Enhanced CRB and how's going to affect my future? 3) Should I go to the nearest police station/CAB and discuss this with them? 4) Ignore them and risk to get retained at the airport when I'll go back for Christmas? I'm already disturbed about this hole incident, I feel depressed as I'm here alone and I want to get over it but I don't know were to go and what to do. I feel like I paid my debt for all those horrible feelings, but this does not matter for them, they just want the money. Can't think about anything else. . and I have couple of deadlines for a project and 3 class tests ahead. A little advice is what I need. Thank you very much, for doing this honest job trying to help people like me.