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apparently becuase I left my card at home and wasn't able to return the same day
this counts as two claims.
(, Wed 20 May 2009, 11:51, archived)
Tossers

(, Wed 20 May 2009, 11:54, archived)
At least they processed my claim quickly and had reasonably sensible answers.
I was misled by a lady that worked for South Eastern Trains.
Next time I will get my advice from Transport for London.
(, Wed 20 May 2009, 11:56, archived)