I too was annoyed to get the reminder from Dart Charge when my account was still in the black, so I ignored it last time and ran my account down to around £3 in credit. Then, a few weeks ago, we were travelling from East Anglia to Dorset, aiming to use the M25 anti-clockwise between the M11 and M3. As we approached the M25, we learned of massive tail-backs on the M25 north of London so we took the satnav's advice and headed clockwise towards the QE bridge. We still had sufficient in the Dart account for one crossing, then it dawned on me that our son, also on our account and travelling in a separate car, may have taken the same diversion ............ and what about the return journey? I didn't have the account log-in details on my phone/iPad and we were going to be away for a week.
As it turned out, my son had left E Anglia before the congestion had built up, and our return journeys didn't involve the crossing. However, I decided that it perhaps wasn't such a bad idea to keep a tenner in the account just in case.
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