Encourage customers to build up a savings account towards the minimum balance requirement over a year and then refund the swipe fees paid during the year when the balance requirement is met (preferably into the savings account).

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He paid a small amount of the tax and sued for refund and abatement of the balance.

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Shashi Verma, TfL's director of customer experience, said: ''Pay as you go Oyster cards do not expire and customers are able to return their cards to a Tube ticket office at any time for a refund of the remaining balance and card deposit.

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