HSL penalty fee impact on me

Geoge.carman · Post by **Geoge.carman** » Sun May 15, 2016 8:20 pm

Today, I forgot my wallet at home, and in a hurry to take the N train to city center, the train just arrive when I was in Malmi station, so I jumped into the train, and started to purchase my ticket with my mobile phone by using HSL mobile app.

Unfortunately, I encountered a bad network connection that I tried multiple times but failed to do the ticket purchase, at the same time, a man in blue come to me ask for my ticket, I couldn't provide, and explained to him what has been happening, but he said it is my own risk & gave me a 80E penalty fee.

I admit that it is my fault, I should have a valid ticket before I jump to the train, but mistake has already been made, I accept this penalty fare & paid it immediately after I was back home.

Here is what I am concerning & want to ask: I'm not sure is it a rumor or not, I heard from some people that in Finland, if I got this kind of penalty fare, it means I got a "dirty spot" on my personal credit in this country & it will stick with me permanently. It will affect me in many things, e.g. when I apply a job, the employer might check your personal credit in this society, and they will find out that I have had this penalty fare when taking a train, and they might reject my job application because of that. It might also affect when I apply for a loan from bank, etc.

Are these sayings correct? Am I now in the list of untrustworthy people in Finland? and it will be with me forever? I am really afraid of this thing. Please give some advice or clarification on it. Thanks in advance.

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Flossy1978 · Post by **Flossy1978** » Mon May 16, 2016 12:34 am

Number one, calm down.

You did wrong, you paid the ticket.

If it affected your ability to get a job, a lot of people would be unemployable

Take a chill pill. It won't do anything. I think it only will, if you didn't pay the fine.

Geoge.carman · Post by **Geoge.carman** » Mon May 16, 2016 9:38 am

Flossy1978 wrote:Number one, calm down.

You did wrong, you paid the ticket.

If it affected your ability to get a job, a lot of people would be unemployable

Take a chill pill. It won't do anything. I think it only will, if you didn't pay the fine.

But is there a record in some system that it sticks with me forever? I am not only concerning the impact of job seeking, but in general, what are the possible/potential impact ?

Beep_Boop · Post by **Beep_Boop** » Mon May 16, 2016 10:53 am

Like Flossy said, no impact at all. The only possible problems might arise if you didn't pay. Paid fines don't enter your credit history.
Also, credit history isn't permanent. I believe a mark only lasts two years.

Pursuivant · Post by **Pursuivant** » Mon May 16, 2016 4:09 pm

Yeah, smurf fees, parking tickets etc. have no effect, unless you don't pay and then you get into collection. Then you are in doodah.

betelgeuse · Post by **betelgeuse** » Mon May 16, 2016 4:40 pm

Beep_Boop wrote:Like Flossy said, no impact at all. The only possible problems might arise if you didn't pay. Paid fines don't enter your credit history.
Also, credit history isn't permanent. I believe a mark only lasts two years.

It depends. Two years if you pay and notify. However, for example a bankruptcy could stay for five years.

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http://www.asiakastieto.fi/documents/46 ... d0304d540a

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