No what I am asking is if the DVLA have give two incorrect places where they claim the photo was taken, then can we challenge it. My comment about the neighbour was who from the DVLA was out on the streets at 2 a.m. in the morning, was it the neighbour? Do the DVLA accept photographs from the general public? The postcode they have given is where the houses all have dropped kerbs and the residents park there, the other which is the GPS co-ordinates is actually outside one of my neighbours who we have the problems with. We have had a lot of grief from one or two of the residents about the van, they have even tried to tell us how to live - including the children shouldn't play in our garden after 9 p.m. because they can hear the tennis ball being hit! We try and not park outside anyone else's houses especially if we know that they have a vehicle. This just doesn't seem right especially as the photo was taken at 2 a.m. in the morning!

My husband had a problem taxing his vehicle as he couldn't find the log book. He eventually found it and taxed the vehicle but 3 days before he got the tax, apparently his vehicle was photographed at 2 a.m. in the morning and an enforcement letter was eventually sent out which we received after we had taxed the vehicle. The vehicle was on our drive not on the street, the DVLA claimed it was photographed around the corner from our house. This is not possible as all the houses on that strip of road have dropped kerbs and there is no way he could have parked there. We queried the notice and received a photograph of the back of his van, again claiming it was parked on the road nearby but giving a GPS code of 4 addresses down to ours. We have had problems with this neighbour who doesn't like our van parked on the street so naturally we are suspicious. Apart from the fact who would be out at 2.01 a.m. in the morning photographing our vehicle (any ideas?), is there anyway we can challenge this notice as they have given two wrong addresses. Many thanks.

We have just received a letter from Prestige Finance and their "Solicitor" BSG Solicitors Ltd telling me that we are being charged £187 for a letter from their solicitor telling us that our loan will finish on 27 September 2017! We have paid this firm back over £47k for a ten year £25k. They are now trying to add admin charges etc onto the end of the load and say that £1,135.47 remains outstanding although we should be on track as we have been paying over £50 extra each month for the last 18 months. Has anyone ever had them try this on with them and do we need to pay the solicitor's fee for the letter telling us the loan is finishing next month.

Thanks for your comments. Will check his contract and then write making some kind of offer of repayment if he has to pay the full amount.

I have checked with my son and they did say debt collection agency not Bailiffs. He was panicking as I think was their intention.He did tried to cancel the insurance and when he rang them to cancel they said that he had to pay the whole year's insurance which was £750 plus the 3 months he had already paid. Over the phone though they agreed to give him time but within 4 days tried to take the whole amount out of his bank account.They are now saying he can't have any time and the debt is being passed on. Can they do this and if so what is the correct way of dealing with them.

My 21 year old son has got himself into a mess with his finances. He has had to leave University in his third year as he couldnt continue to afford to live in Cambridge due to high rent. He had bought a car to try and drive each day to University but unfortunately it fell to pieces and had to be scrapped. He owes money to the University, has had his phone cut off and when the car was scrapped he tried to speak to Admiral Insurance to explain his situation and cancel the insurance. He realised that he would still have to pay the outstanding year's insurance but had over the phone they agreed that he could have a breathing period and pay the month over a couple of months. Unfortunately Admiral have now decided not to honour the verbal agreement, tried to take over £750 from his account, resulting in a £30 charge from his bank as he has no money. He rang them again today and they have told him that they are passing his debt to Bailiffs! Any help where to go with this. He hasnt got any money, owes 3 years tuition fees although he couldnt finish his course and now Admiral are threatening him with Bailiffs. Not quite sure what they can take from him. He has a part time job 2 days a week pushing trolleys at a local supermarket so not much collateral. He knows he has to pay the money but I find the actions of Admiral very harsh. Can anyone help. Would someone like Payplan be an appropriate source of help?

No we received nothing just two letters from Parking Eye claiming £85 each.

I havent seen them yet as he phoned me at work but I will check.

My husband received two parking tickets from Parking Eye, which against my advice he ignored. He has now received two court judgements with costs of over £300. How can they have gone to Court without sending us a Court Summons. Is he able to appeal as we were never sent the court date.

Thanks for your help. The document calls it a Charge Notice.

Thank you. I would normally have ignored it but have seen many instances now where people have been taken to Court and for 1 minute I don't want to end up there!

It used to be 3 hours and you can see where they have stuck the number 2 over the old time.

The picture shows arrive at 16:57:04 and leaving at 18:58:13. It can take a couple of minutes to pack your car and leave. I will write and object but I am assuming they will refuse the appeal. Can anyone advise what the step is after that.

No because its two weeks ago.

I have received a parking fine from Highview Parking for parking in Tesco's car park for 2 hours 1 min! The limit is 2 hours. Is this serious. How do I deal with this. Any advice? I believe I left just before the 2 hours expired but they are saying I went over a minute.

Thanks I'll give that a go. I think because they probably bought the debt rather than take over the collection they can't produce the documentation. However, I know what a nasty set up they are so want to be sure of my facts.

May 2009 when we changed banks and set up a debt management plan with Payplan. For some reason Link were missed off the list of debtors and were then never paid. It took them about a year to track us down as we had never advised people when we moved house but had kept on paying our debts and then paid debt through Payplan but again we did not advise people of our change of address.

This debt doesn't appear on my credit file! That is why I am insisting they provide proof.

Can anyone help with advice on how to deal with a problem we have. We have been in correspondence with Link for about 9 months now over a debt they claim to be collecting for MBNA Credit Card/Abbey. We have persistently asked them to provide proof from MBNA/Abbey to them showing that they are entitled to collect this debt. Eventually they provided everything but proof that they were entitled to collect the debt. We have had copy letters from Abbey to us with phone numbers blacked out, copy of the agreement etc but absolutely nothing to show that Link were entitled to collect the debt. We didn't recognise the debt at first as it had been over 2 years since we paid anything to them due to when we changed banks when we started a debt management programme for some reason they were missed off. They eventually contacted us and have been pursuing the loan. We have never received anything from MBNA or Abbey advising us that the debt was now with Link but for some reason we did start paying Link about 5 years ago, the debt is about 10 years old. We are trying to make sure that everything is in order with our debts now and I wonder whether we are legally entitled to insist on written proof from MBNA/Abbey to Link to confirm that they are entitled to pursue the debt on their behalf. Link are now advising that they will be instigating legal proceedings against us for the loan and will commence adding interest to the outstanding amount. Any advice on the correct way forward would be appreciated. The option I was thinking of was advising Link that we were going to contact MBNA for proof that Link could collect the loan. I suppose I am hoping that they have actually purchased the debt and can't legally pursue us for the full outstanding amount because they don't have the correct paperwork. Many thanks.

Thanks. I shall also send them a copy of the letter advising me that they have added a £5 admin charge. It will be interesting to see their response to that, seeing that they subsequently denied doing so.

I am currently in discussion with Link regarding a very old credit card loan previously with Abbey National. When I changed bank 2 years ago for some reason my monthly payment to them stopped. As I was in a bit of mess and had several debts this genuinely got missed and was not added to the payplan account that I arranged at the time. Now 2 years later they are writing to me demanding full payment. I have to confess at the beginning I didn't remember the loan but since they contacted me I have gone through the various processes requesting documentation and issued a SAR. They have provided most of the documentation but not proof that Abbey assigned the debt to them or sold the debt to them. They have now written to me saying that "We are not required to provide you with a copy of the deed of assignment. The debt is known as a chose in action. As the original lender holds the legal right to collect the debt they also hold the right to assign their rights to Link Financial. Although the lender does not need your permission to do this, Section 136 of the Law of Property Action 1925 requires, in order for there to be a legal assignment, that notice of assignment should be given in writing which we have complied with". The problem is that they haven't supplied the notice of assignment, what they sent me was a copy of a letter "introducing Link to me". Is is correct that I haven't received anything from Abbey assigning the loan to Link. Whose responsibility now is it to provide that letter to me. Link seem to be in a bit of a mess as when I received the SAR papers they said that they had added a £5 admin charge. They have now written to me denying that they added a charge! They are now also claiming to have sent me a copy of the assignment letter - which they havent.Thanks for taking the time to read this.

Thanks very much for that. I will report them.

Can anyone let me know whether like are permitted to add an admin charge on top of the £10 I paid them for a SAR request?Also, although they have provided the information since they took over/purchased the debt, they haven't provided any proof that they did so i.e. there is no copy correspondence from Abbey within the documents provided to show that they had now been allocated this debt.

Can anyone confirm if there is a connection between Abbey National and MBNA.Link have sent me a copy of an agreement dated 3rd December 2001 with the Abbey National but the terms and conditions they have attached are for MBNA Europe Bank. Apart from the fact that I don't accept I owe these people any money, I can't see what the connection is.I have sent Link a SAR to Link and complained to OFT and the Financial Ombudsman but I know how slow they can act. Link's response to the SAR was to send another demand for the money saying "Our intentions are not to allow you to leave the account unpaid"! They have also made the usual threats about my ability to obtain credit in the future plus they intend to place my details with their Asset Investigation Department. I've copied their latest letter to the OFT and Financial Ombudsman.

Thanks for all the advice. I am sending the SB letter today. I have to say that I was quite surprised at the extremely intimdating nature of their latest letter, especially as they haven't even established that the debt is mine! Thanks to this Forum I don't panic any more. I honestly don't remember this debt and particularly as I have managed to get my debts into some kind of manageable repayment, I am not going to get thrown by these bully boy tactics. They telephoned me back at the beginning of November and tried asking questions about who I was and how long I had lived at my current address - naturally I told them to get lost. I'm ex-directory so I don't know how they got my phone number. Then the letter arrived about a week later demanding the money, I wrote to them telling them I had no knowledge of the debt and asking for a copy of any agreement. They sent me an agreement dated 10 years old and then a week later wrote to me saying they wouldn't let me get away with not repaying the debt and unless I contacted them immediately they would arrange for their investigators to look into my financial affairs! I have drafted a complaint to the Financial Ombudsman or should it be the OFT?