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I have been screwed over paying too much for my public transport a few times. The last 3 weeks they have auto topupped me with a disabled credit card, so now it evens out. I use a UK Blue Oyster Card and I'm thinking of buying a new one, in order not to have to pay the £60 of 3 weeks public transport. Would this possibly affect my credit score?

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    Could you clarify your question please? I don't really understand what happened, in what sequence, and what effect it has had. (Hint: I'm in the UK but not in London, and have no idea how Oyster cards work). – Vicky Sep 16 '14 at 11:39
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I have been screwed over paying too much for my public transport

How were you screwed ? Oyster has a daily limit, so you know how much you will be charged in a day. Not to be the morality police, but it seems you are more interested in not paying, rather than being overcharged.

Would this possibly affect my credit score?

Possibly yes. You would have provided your address while buying your Oyster card, so they have your details or else the credit card company might share your details. They might get a CCJ on you, if they decided to pursue, which you are liable to pay or else you will have it on your credit record. Or else you might face jail for not paying and a larger fine too.

Some links to change your mind. The first one is more relevant to your case.

http://www.theguardian.com/money/2011/jun/11/tfl-fines-bus-passenger-oyster-card

http://www.adviceguide.org.uk/wales/consumer_w/travel_leisure_and_food_e/consumer_transport_e/consumer_public_transport_e/consumer_if_you_are_taken_to_court_e/if_youre_taken_to_court_for_avoiding_paying_a_fare.htm

  • +1 - but I think the fundamental question is "who can add a black mark to my credit score (in my country)?" The bus details in the question are irrelevant. – JoeTaxpayer Sep 16 '14 at 15:04
  • @JoeTaxpayer - More or less anywhere you get into a contract or get credit in UK. And then you don't fulfill your contractual obligations after the grace period. – DumbCoder Sep 16 '14 at 21:13

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