Another big change is 14.4
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14.4 In all cases you must comply with the specfic terms and conditions of each of the Tickets you are using (for example, keeping to the valid route(s) and train services for which each Ticket is valid). It is your responsibility to check that you comply with the Conditions listed above.
This stops one taking a different route with the split ticket combination. I have a season ticket from a local Thames Valley station to London Terminals. I have in the past bought a day return from my Thames Valley station to Islip and travelled up to Islip on the GW▸ (Great Western)/bus replacement/Chiltern and then travelled direct to Marylebone from Islip as my ticket combination was from Islip to London Terminals (the resulting direct route was actually cheaper than my combo) and I passed nowhere near my TV station - let alone through it! Now each ticket's routing must follow the routing guide so what ever happens, the route is likely to have to be via the splitting station.
Next are season ticket refunds and this was always a huge rip-off by the railway effectively making the value of the ticket nought after eight of its twelve months.
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40.3 Any refund to which you are entitled will be calculated from the date the Season Ticket is returned. The amount refunded will be based on the price paid for your Season Ticket less the cost of any Season Ticket(s) and additional Tickets required to cover one return journey for each weekday that your Season Ticket was actually held for, and an administration charge (not to exceed £10).
Now the refund value is based on applicable season ticket prices (plus the odd top-up) rather than back calculating the full price of a return journey for each used day when calculating the refund value. This was so unfair that I am not surprised this clause has now been inserted. Possibly the 'Consumer Rights Act 2015' prompted this major change.