MyCommute4Less may be suitable for many commuters in London. If you anticipate that you will use your Annual Travelcard for a full year, are in full time employment and over 18 then it could be for you. Please be aware that MyCommute4Less can only be used for Annual Travelcards at the standard adult rate. If you are entitled to any discounts or concessions, we are unable to provide credit for these tickets at this time.
How it works
All the benefits of an Annual Travelcard. None of the pain of paying upfront.
If you’re a commuter in London, buying an Annual Travelcard saves you money on tube, train and bus travel. But it’s a lot of cash to find in one go. So here’s a plan. We lend you the money for a fee and you pay us back in 10 monthly payments. It will cost you less than buying 12 monthly Travelcards over the year. In fact you could save £190 if you travel in zones 1 to 4!(see FAQ 10 for how we have calculated that saving)
Simply tell us your zones and travel start date and if you are accepted through the online application process your Annual Travelcard will be loaded on a new Oyster card and delivered to you directly by our friends at thetrainline.com, free of charge, via secure Royal Mail special delivery, which needs a signature.
Why not take a look at our FAQs for more information on how MyCommute4Less worksWorking with
Terms and conditions
Agreement between the customer and thetrainline
The train operating companies with whom you travel using your Season Ticket are responsible to you in respect of the provision of train journeys. All Season Tickets are subject to the National Rail Conditions of Carriage (explained below) and any specific restrictions imposed by the relevant train operating companies which vary by ticket type.
Trainline.com is therefore not responsible for any delays, cancellations, or other disruptions to train services and we do not set any of the terms and conditions, including eligibility for refunds.
Trainline.com is a company registered in England (with company registration number 3846791). Our registered office is at: 50 Farringdon Road, London, EC1M 3HE.
Trainline.com is registered with VAT number 791 7261 06, however, train tickets are currently zero rated for VAT and so VAT receipts are not routinely offered.
thetrainline is a trading name of Trainline.com Limited.
You confirm that you are at least 18 years old and that you have entered into a credit agreement with Premium Credit Limited to finance the purchase of the Season Ticket from Trainline.com and have directed Premium Credit Limited to pay Trainline.com for the Season Ticket in accordance with your Credit agreement. You also promise that you will only make reservations or purchases for yourself or for another person on whose behalf you are legally entitled to act.
National Rail Conditions of Carriage
The National Rail Conditions of Carriage (as updated from time to time) sets out the minimum level of service you are entitled to expect in relation to your train journeys. They also set out your rights and responsibilities in respect of any train journeys made on the UK railway network, including the liability of the train companies in respect of loss caused by the delay and/or cancellation of any train, by any missed connection or by the closure of the railway as well as in respect of loss or damage to, and delay in the delivery of luggage and its contents. View the National Rail Conditions of Carriage.
The National Rail Conditions of Carriage entitle Customers to the same levels of compensation or refund entitlements regardless of where they purchase their ticket.
Getting your tickets
Next day delivery: We will dispatch tickets by Royal Mail Special Delivery (or alternative delivery service selected by us) to the address you specify during the delivery process. You should ensure that the address provided is correct. You will need to sign for the tickets upon delivery. Please note that due to Royal Mail restrictions it may take longer to deliver to remote locations. Please click here for more information on Royal Mail delivery times to remote locations.
Changes, cancellations and refunds
Changes to your Season Ticket are not permitted under these terms, however we offer you a general right to cancel your season ticket at any time in accordance with this section. Where you wish to cancel your ticket, you should notify Premium Credit Limited (trading as Mycommute4Less) on 0344 736 0056 in the first instance, or you may contact trainline.com at Mycommute4less@thetrainline.com or by calling the numbers set out below. All refunds will be paid to Premium Credit Limited in the first instance and you agree that the right to receive the refund will pass to Premium Credit Limited. Premium Credit Limited will then refund you the appropriate amount as calculated by reference to your Credit agreement.
Please note that where a refund is made, it will be calculated on the basis of: (i) the cost of a 10 month ticket (as the last two months of an annual season ticket are "free"); and (ii) the proportion of the year during which you will not be using the Season Ticket after we have processed your cancellation request (see below). Any relevant terms in relation to refunds in your credit agreement with Premium Credit Limited will also apply. The basis on which refunds are calculated may be varied from time to time by the train operating companies.
Refunds will only apply to the Season Ticket price only (as explained above), and any associated booking fees are non-refundable. Please note that you will be responsible for the cost of returning any tickets to us where this is required.
We will process your request within 28 days of receipt of your application. When your refund is approved, we will process any payment due to Premium Credit Limited (minus our £10 administration fee if applicable).
We shall not be obliged to cancel, replace or refund a ticket where we have reason to believe that it is being done so fraudulently.
If you have any questions about cancelling your Season Tickets online, or if you think that we have sent you a wrong ticket or have otherwise made an error in taking or processing your ticket booking, please contact us by telephoning 0203 128 5548. In the event we agree that we have made an error in the booking, we shall issue a replacement Season Ticket or otherwise address the error in our discretion as we consider appropriate given the circumstances.
Cancellation Instruction by Premium Credit Limited
You acknowledge that you have purchased your Season Ticket using credit provided by Premium Credit Limited (“Credit”). In addition, you also acknowledge that Premium Credit Limited may instruct Trainline.com to cancel the Season Ticket and pay the proceeds of any refund to Premium Credit Limit in the event that you default on the scheduled repayments of your Credit with Premium Credit Limited (a “Cancellation Instruction”). Upon a Cancellation Instruction being issued by Premium Credit Limited, Trainline.com shall:
- effect the cancellation of the Oyster card within three calendar days of receipt of the instruction so that the amount of any refund due in respect of the cancelled Season Ticket is determined at that point (the “Refund”); and
- pay the Refund and any additional pay as go credit on the Oyster card directly to Premium Credit Limited.
Where Trainline.com acts on a Cancellation Instruction, Trainline.com shall have no further liability to you under these terms.
Compensation and Refunds for delayed or cancelled journeys
If the service on which you travel is cancelled or severely disrupted you may be entitled to compensation. If the train company allows us to issue compensation on their behalf, then we shall do so. If not, we will provide you with the contact details of the relevant train company and you will need to make a claim directly with the train company concerned. Trainline.com is not permitted to issue compensation or refund tickets for cancelled/disrupted journeys unless the relevant train company gives us permission to do so.
Lost, Stolen or damaged Season Tickets
If your Season Ticket is lost, stolen or damaged, please contact Premium Credit Limited who will ask you to complete a duplicate form in respect of your Season Ticket. A £10 admin fee will be payable by you and this will be detailed on the MyCommute4Less Website.
How to make a complaint
For any complaints regarding the Oyster Season Ticket, please contact Mycommute4less@thetrainline.com or contact us by telephoning 0203 128 5548. Any issues regarding your Credit should be addressed directly to Premium Credit Limited either via telephone (0344 736 9818), email (email@example.com) or by post (Quality Control, MyCommute4Less, Premium Credit House, 60 East Street, Epsom, Surrey KT17 1HB).
We will use reasonable care and skill to carry out the ticket retailing services set out in these terms within a reasonable time, in accordance with these terms. We do not make any other promises and no other promises shall apply in respect of the information, products, and/or services.
Please note that we are not responsible for any loss or damage which you suffer in relation to the provision of transport services you use the Season Ticket for (including any delays, cancellation or disruption to train services). The National Rail Conditions of Carriage and any further terms and conditions imposed by the relevant train operating company will apply to any transport services provided to you in accordance with tickets booked from Trainline.com, and you should read such terms and conditions carefully.
We will pay for all reasonable and foreseeable costs which you incur directly in relation to the provision of tickets by us, and which are directly caused as a result of our negligence or a breach of any of these terms by us and which you could not have avoided or reduced by taking reasonable steps.
We are not responsible for losses that result from, but are not directly caused by, any breach of these terms and conditions, or that are not reasonable or foreseeable by you and us (such as loss of profits or opportunity) even if we are made aware of the possibility of such losses. Our liability shall not, in any event, include losses related to any business of yours, such as lost data, lost profits or business interruption.
We are not responsible for any acts (or any failures to act) by Premium Credit Limited and will not have any liability to you or Premium Credit Limited in relation to your Credit agreement with Premium Credit Limited.
Where you are purchasing Season Tickets in the course of a business, we will be liable for any reasonable and foreseeable direct costs you incur which are caused as a result of our negligence or a breach of these terms up to a limit of the value of the relevant ticket(s) purchased by you, which costs could not have been reduced or avoided by you taking reasonable steps. We will in no circumstances pay or be responsible for any loss of profit, loss of opportunity, loss of business, loss of revenue, wasted time, wasted costs, indirect, incidental, or consequential loss arising out of or in any way connected with the purchase of the Season Tickets, or for any information, products, and services obtained through from Trainline.com Limited.
Nothing in these terms limits our liability for death or personal injury directly caused by us.
These terms are intended by us to set out the whole agreement between us and you and any prior communications between us are not included in this agreement. We recommend that you read them carefully to protect your own interests. If you do not think they set out the whole agreement between us, please make sure you ask for any additional terms to be put in writing prior to making any transaction. In that way we can avoid any problems surrounding what you expect us to do. We cannot accept any liability for any reliance placed by you on any statement or representation on this website, whether made by us or a third party, except to the extent a statement or representation on this website is made negligently by us.
If any of these terms are found to be invalid by a court or at law then the remainder of these terms shall continue to apply to the extent that they still make sense without the unenforceable term(s).
The prices quoted on this website are in pounds sterling.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these terms.
Neither you nor we intend any third party to be able to enforce any of these terms pursuant to the Contracts (Rights of Third Parties) Act 1999. This shall not affect Premium Credit Limited’s right to issue a Cancellation Instruction.
You and we agree that English law applies to these terms and conditions and that any dispute between us regarding these terms and conditions will only be dealt with by the English courts, unless you are resident in another part of the United Kingdom, in which case the applicable law of that part of the United Kingdom will apply and any dispute will be brought before the courts there.
Your finance application
You could save £190*, spread the cost and pay less for your commute.
*Based on an Annual Travelcard for zones 1-4 costing £1860 (as of 2nd January 2016) compared to the cost of 12 Monthly Travelcards over the same period. Representative Example: Credit limit £1,200. Transaction fee £60. Representative 9.5% APR.
Most frequently asked questions
Our pricing is really simple. We charge a Transaction Fee which is calculated as 5% of the cost of your Annual Travel Card, which is equivalent to an APR of 9.5%. Please see representative example in FAQ 10.
MyCommute4Less will provide you with a running account credit facility to pay for your Annual Travelcard. Once the credit agreement has been signed and is in force it will be available until you or we end it. It means that you can potentially finance other transactions under the credit agreement subject to your available balance up to your credit limit and the terms of your credit agreement.
The credit to finance your Annual Travelcard is repayable over 10 monthly payments which means that for the last 2 months of the Annual Travelcard you will not have to make a payment. We will write to you setting out the monthly payment amounts and due dates. Your Annual Travelcard will be dispatched once you have signed the credit agreement, the credit checks have been successfully completed and your first payment has been made.
As long as you make your payments when due your Annual Travelcard will remain active. If you miss a monthly payment and fail to resolve this within the timescales set out in Q18, we will instruct thetrainline.com to cancel your Annual Travelcard and send any refunds to us directly to apply against your outstanding balance. Refunds will be calculated in the same manner as if you had cancelled the Annual Travelcard (FAQ 34). This will include any additional amounts you have put on the Oyster card such as pay-as-you-go top ups. If the refund received from thetrainline.com is insufficient to repay your outstanding balance in full, you will be liable for any shortfall. Similarly, if there are surplus funds once the outstanding balance has been paid in full then these will be paid to you.
Please note that once your Annual Travelcard has been cancelled and you will not be able to use it nor can you request a replacement card. If you wish to purchase a new Annual Travelcard you will have to apply for a new card. If this is agreed this will be at the current price not the original price, which may be higher if rail fares have increased in the intervening period.
The charge to cover our costs for a missed payment (default) is £20. Your monthly payment should be paid automatically by your bank via your Direct Debit Instruction. If a payment is missed we will issue a notice required by law, which will tell you what action will be taken by MyCommute4Less, advises you that a £20 default charge has been added to your transaction and requires you to make the missing payment by a specified date (at least 15 days from when you receive the notice) or we will instruct thetrainline.com to cancel your Annual Travelcard and you will be liable for any balance not refunded to us (see FAQ 15). If your Direct Debit Instruction is still active we will reapply once more to try and collect the missing payment and the £20 default charge. When we represent a missed monthly payment for a second time we will not make a second default charge.
If we are unable to make a second collection attempt because your Direct Debit Instruction is cancelled OR if the second collection attempt fails, you will be advised to contact MyCommute4Less to make a card payment before the date shown in the notice or we will start cancellation of your Annual Travelcard and you will be liable for any balance not refunded to us (FAQ 15).
There are just a few simple steps required:
- Tell us the zones between which you want to travel
- Tell us the date you want the card to start. The start date you enter must be between 10 and 28 days before you want your card to start. Please be aware that the price you pay for your card is based on the start date of the card not the date you place your order. So for example, if your start date is after the January price increase it will be based on the new price.
- We can then show you your personalised saving!
- We order the Annual Travelcard on your behalf via thetrainline.com. Before we can do this, thetrainline.com need to make sure that you have read and accepted their terms. You then just need to carefully review those terms and confirm that you are happy to proceed on the basis of those terms.
- Time to apply for your credit account. We will need some basic details like your name, address and the bank details you want us to take the payment from.
- We will then instantly process your credit application and provided you meet our criteria, we will take you straight through to sign the credit agreement online having first taken you through some information we have to give you by law about the credit. If we do need any further details to complete your application one of our team will be in touch shortly.
- You will then be taken to a summary page where you will be asked to confirm the details provided and confirm that you accept our credit facility terms. You will have already been given the opportunity to review and accept the terms and conditions that will apply between you and thetrainline.com before you submitted your application for credit. You acknowledge that when you sign the credit agreement, your contract with us, and your contract with thetrainline.com will be concluded at this point, and not before.
- We will then email you with confirmation of your credit agreement.
- thetrainline.com will dispatch your Oyster card using secure Royal Mail Special Delivery, which needs a signature.
- You should receive your Oyster card at least one day before the start date of your travel.
This depends on when you cancel and when you stop using the Annual Travelcard. We will contact you within 30 days of cancellation if there is any balance due, but the good news is that cancellation refunds are calculated based on the last day of travel (plus thetrainline.com £10 cancellation fee). Refunds will be paid directly to MyCommute4Less who will apply this to your outstanding balance. The terms and conditions of the Annual Travelcard set out how the refund is handled in more detail. If the refund is not sufficient to repay the outstanding balance owed to MyCommute4Less you will be liable for any shortfall. If however, there are surplus funds once the debt has been repaid these will be repaid to you. Such payments, when due, can take up to 35 days to be made (this is because it can take thetrainline.com up to 28 days to process refunds). Refunds paid to MyCommute4Less after an Annual Travelcard has been cancelled will include all credit balances not just those associated with the Annual Travelcard for example, any top up you might have put on the Oyster card.