That's great thanks for your help. I think I will ignore them and when they send an 'invoice' to my partners address I'll get her to write back stating that she was not driving and as you say, has no obligation to inform them who was. In the even they keep pestering with letters and the like, at what point can you report them for harassment?

Its a private company... I appreciate your help and I'm sure there is much information in the CAG forums but I would like to read up on the 'Law' surrounding the matter, so any pointers would be great. It's my partners car and it's registered to her parents address and I know she'll crumble under any sort of pressure from these companies - domestically it will all be my fault and she'll want it sorted rather than have years of letters escalating in price. Can I write a letter to their 'appeals' email address stating the circumstances and providing the evidence of the purchased ticket? Then, when they decline, at least I know my rights and how best to proceed.... Also for your info... it's a 'parking charge' not a fine. Thanks

Hi there, Went to a local pub today with work colleagues for lunch, bought a parking ticket with a time of 13.12hrs but the ticket fell off into the footwell - not a sticky one or anything. When I get back to the car after 30 minutes I've received notifictaion of a parking fine which was printed at 13.15hrs. So in 3 minutes a parking attendant has dished out the fine already - not even enough time to get into the pub to get change for the machine if that were the case!! Where do I stand legally on this as I have evidence in the form of a ticket I bought prior to the alleged offense? Any advice would be much appreciated and hints towards templates also - been a while since I've been on CAG. Many thanks M

Hi Both, Thank you for your replies. OD was for £2k and last payment made was 27th Oct - fortunately they haven't added interest. I've paid off around £780. So in summary best I can do is try to reduce the payments? I know if I had the money to hand they would settle for a lesser amount but unfortunately I dont. Cheers Mat

Hi everyone! Been a few years since I have posted but I have a new issue where I think I may be able to challenge a debt. This time with Apex CM. I just need pointing to the right thread or to just get advice here. To cut a long story short I had an overdraft with Lloyds TSB however, at the time of being a young immature student I decided to open an account with Natwest too. This resulted in me ignoring my overdraft with Lloyds for a number of years and as a result they sold the debt to Apex credit management. Fair enough it's my debt and I have been paying it off steadily at £60 per month but I am now unemployed and this takes quite a large chunk of my jobseekers (which I hope not to be on for very long!). I stumbled accross something in the consumer credit acts' 2006 amendment which allows you to challenge the debt as being unenforecable if the original 'prescribed items' cannot be found and if the debt was taken prior to April 2007. This would apply to me I think. Question 1) Does this apply to an overdraft as well as credit cards and loans? Q 2) Are there any threads where I can get advice? Q 3) Should I stop the payments to Apex, wait for the letter telling me I have stopped after which I send a letter back explaining the CCA jargon and thus challenging them to a duel? Thank you in advance for you help! From a poor 27 year old who is still paying the price of 'free money at uni'. Mat

Haha no theyre not are they! They have charged me another £60 (and refused to give it back) since I began the case so im going to go in tomorrow waving there settlement letter and threaten court again. Surely they will see the cost to them will be in excess of the £60 they owe me? lol

pward33: Ive read that Lloyds do this quite a lot so be prepared potentially for a fairly long wait. But hang in there, its worth it. Do you have a hearing date yet?

Thanks everyone! GaryH: I havent requested costs but Im considering it. All those stamps add up!lol. Is there a time limit? Am moving back to Cardiff in the coming weeks so am gona be quite busy. Have been doing all this from work as I dont have the internet at home but will try to devote some of my days to helping others on the site. (When the boss isn't looking!) Just out of curiosity, a question to the mods; are the donations significant enough to cover the cost of running the site? Am going to donate but dont know how much! Mat

Called SCM, the money went into my account within ten minutes. Will ring the court and send a fax confirming this. Would just like to thank everybody who has helped me and offered advice along the way. 9 months but worth it in the end! Thank you!!

The hearing is at 12noon today. SCM said they were settling and the money would go into my account yesterday. However it still isnt in the account this morning. What should I do? Obviously I havent cancelled the hearing as I havent had the money. Do I go tot the court if they dont pay up?

Hearing is tomorrow! Was just about to phone SCM to ask if they were gona bother turning up but they rang me; they asked me to confirm my account details so fingers crossed!..... wwooohhhhhaaa theyve just rung again and are giving me a full unconditional settlement of £999.45!

I see, thanks for that. I didnt mean defence btw lol. My mind is at rest now. Ive seen that some banks have been putting the money into peoples accounts without notifying the account holder so will check mine on friday. What is likely to happen to now that I have sent the non compliance letters to both the SCM & the court. There is only 7 days til my hearing now. Should I do anything else? Mat

Hi, I posted my evidence bundle some time ago (28th February) and have since sent a non compliance letter to SCM and am now sending the second letter to the court. The thing that bothers me is that 'submitting' and 'filing' the evidence is mentioned quite a lot in these letters. All i did was post a copy of my evidence to SCM and to the court but have heard nothing of it since. So have I actually filed my defence? as Ive had no notification of this. Its only 7 days to my hearing date now so am quite worried. Any help would be appreciated. Mat

Thanks GuidoT, very helpful. I assume that I should only send the intitial letter once the 14 day deadline has passed for documents to be submitted? Which considering the hearing date is the 29th March would be around the 15th? Mat

Evidence sent to court & SCM on Wednesday 28th feb. Lets hope this gets the ball rolling! Would anyone advise ringing SCM to begin the negotiations? What is likely to happen now? Mat