Have you been delayed on the train again?

你的火車是不是又再度誤點了呢？

Last year there were 47 million delayed rail journeys in Britain.

去年英國就有4700萬鐵路班次誤點

Yet only 80% of us bothered to claim compensation,

儘管賠償金額超過火車票的一半

even though that could have cut the cost of a ticket by more than half.

但只有八成的旅客去申請賠償

I completely understand.

我懂那種感覺

I'm a commuter, I've got all my stuff.

我每天通勤上班，全身行頭都打理好了

I've got my FT subscription, I've got my travel mug, I've got my season ticket,

金融時報、旅行杯、季票我都帶了

what I don't have is any knowledge about how to claim for a delayed journey.

但我就是對怎麼申請誤點賠償毫無概念

There's no information anywhere at my station.

車站根本就沒有提供賠償的資訊

Well, forewarned is forearmed.

凡事豫則立囉！

The best place, the best source for how to claim back cost on a delayed rail journey is the website of the train operating company that's running your service, find out what it is.

記得要上鐵路營運公司的網站，那裡有最完整的誤點賠償資訊

In the past, I have even gone on to the website while I've been on the delayed train to download the online form to claim back the compensation.

以前我的火車誤點時，我就會直接在車上從他們的網站下載表單來索取賠償

However, not all train companies will tell you what you're legally entitled to.

但是，不是每一家鐵路公司都會直接讓你知道你有哪些法律權益

For example, there's now a system called Delay Repay,

現在有個系統叫 Delay Repay

where you must get compensation if your journey is delayed by over half an hour, not many people know that.

它沒有很廣為人知，但是它可以提醒你要向誤點三十分鐘以上的火車公司申請賠償

Um, also, train operating companies often don't mention that you can get cash instead of vouchers as compensation.

鐵路公司通常也不會告訴你可以要求賠償現金，而不是鐵路券

You're good at claiming, aren't you? But you have had vouchers in the past.

你雖然很內行，但你以前也曾經拿過鐵路券對吧？

Yeah, I once claimed on a really delayed journey. I got back 120 pounds.

是啊，那次真的誤點超久的！我最後領回120鎊

But that's a huge amount of money to spend on a rail journey.

120鎊夠你搭好幾次了吧！

Anyway, you'd have to go a really long way or go first class, so cash frankly would have been better.

但不管怎樣，你不是搭長途車就是頭等艙，所以賠償現金還是比較有用

And if you look at the National Rail Conditions of Carriage, there online you can download them onto your smartphone and brandish them at people,

你可以上網搜尋國家運輸條例，把它下載下來向大家證明你是對的

it does say that you're allowed to ask for your refund in money as well as vouchers.

上面確實寫著你可以申請賠償現金或是鐵路券

Now, some train companies are further ahead of the curve than others. For example, Virgin Trains.

有些鐵路公司走在時代前端，維珍鐵路就是其中之一

If you're delayed on one of their trains, they're offering some customers an automatic refund back onto the card that they've used to book the ticket.

如果該公司的火車誤點了，他們會直接把錢退還到旅客購票時刷的卡裡

However, you've got to book in advance, you have got to have booked on their website, or via their app.

但是，該服務只限於網路或應用程式上購買的訂位票

But why aren't the other train companies doing this?

為什麼其他鐵路公司不跟進呢？

Simply Claer, they don't have to.

道理很簡單：他們沒有義務這麼做

Retailers now have to pay your refund in the form that you bought the item,

零售商現在會依據你買票使用的付費方式來退款

so if you paid on your Visa, you get it back on your Visa.

如果你用Visa卡買票，他就把錢退回你的Visa卡

But the government's given rail companies until October 17 to sort this out,

但是政府在10月17日之後便會出面管制

so until then, while you can always ask for cash, you may not get it.

所以在那之前，你有可能要求現金賠償，卻拿不到錢

If you're fed up with delays to your train journey and want help reclaiming the money back, go online now to read our free guide, ft.com/raildelay.

如果你受夠了火車誤點而想申請賠償，歡迎上金融時報的網站閱讀免費的賠償指南

And don't delay!

可別遲到啦！