Any input would be greatly appreciated... do I need to format the info in a certain way on my post?

Hello, I planned to enter the ULEZ zone for the first time in Jan '23, so went on the website, put in my details and went through the payment process. It turns out that actually I didn't pay the fee as I received a PCN not long afterwards. I checked with the bank who said that the payment wasn't taken, but I remembered going through the payment authorisation process... I sent a letter explaining that as far as I knew the fee had been paid and it was only after receiving the PCN that I realised it hadn't been. I sent the following evidence: - A screen shot of my phone showing the text message including exact time etc, from my bank to confirm the payment request to TFL for £12.50. - A screenshot of my browser history showing the various payment pages on the TFL website as I progressed through the payment system. They responded asking for additional evidence before considering my case, but I had no additional evidence. I did, however overlook their request for my card details, which would have helped them to track down the attempted payment. I'm dyslexic and do occasionally do miss things like this when they're not explicitly listed as a request - not making excuses, but it may be relevant if I end up in front of a magistrate. They have now rejected my appeal and offered the option to appeal their decision via the Road User Charging Adjudicators. Trouble is I don't fit any of their specific criteria for appeal other than "I paid the charge". To my knowledge I had paid it. To my mind I thought I had paid and was organised by making this payment the evening before travel. The fact that it wasn't processed should surely mean that I'm just offered the option to pay the fee again rather than a PCN? I now have 28 days from March 15th to do something to avoid a further increase... I'd be happy to go to court with this if I had a chance of appealing to the common sense and fairness of the magistrate. Any advice greatly appreciated

Thanks for the reassurance @dx100uk Should they ever take it to court is it the case that the judge would overlook whatever processes they've been enforcing on me and that ultimately I still haven't ever earned over the threshold? Much appreciated - Has anyone ever made a reasonable documentary about this situation? It's such a mess for so many people and very stressful.

Hi Folks, I have an update on this... a letter from Drydens Fairfax. It reads... We refer to the above matter and further to the defense which you have filed in response to the claim issued against you. We note that in your defense, you state that: 1) You did not receive a copy of the notice of assignment 2) You did not receive a copy of the default notice 3) You requested a copy of the agreement Having now had the opportunity of discussing the defence with our client, we enclose the following documentation addressing the issues you raised in the defense and in support of our client's claim against you: - copies of agreements - default notice - notice of assignment Given that the attached documentation deals with the issues raised in the defense in full, we are clearly in position to progress our client's claim against you and would therefore invite you to now settle this matter without the need for further legal action. Please make payment of the sum due within the next 14 days or alternatively contact these offices to discuss possible repayment options. In the event that we do not hear from you within 14 days, we will have no alternative but to apply to the court to loft the stay on the proceedings in order to progress the legal action commenced against you. It is also likely that any such application will include an application for a summary judgement, given the evidence which has now been provided to you in support of our clients claim. If the above action becomes necessary, further costs will be incurred which ultimately, may be payable by you. If you fail to respond to this letter and therefore necessitate such further action, we will produce this and our previous corespondance to the court in support of any additional claim for costs. Signed off enclosed are copies of signed agreements, erudio notice of default (one letter), Erudio notice of assignment copy listing asll accounts. So... above I noted all the ways this whole things isn't ok. I'd appreciate any suggestions of where to go next with this. Thanks in advance,

DX I'm considering bankruptcy due to other debts - do you know if this Erudio situation can be included in that given it's current state of limbo? Is there something I need to do first to conclude this or does it still count as student debt, therefore not BR relevant? TIA

good point. I suppose I was thinking that the approach with the combined numbers was a 'hope for the best' approach and gives them a second chance if it goes wrong. The point you made about never earning enough anyway stands whatever they decide to throw at me I guess.

Again, thankyou. That's very reassuring to read. Much appreciated Can they put a new claim through with the actual account numbers if they decide to?

Thanks dx100uk, makes sense and I've seen this advice across the other posts too. I'm still keen to better understand how these issues would play into it if they did decide to lift the stay (and I appreciate that so far no case has been seen through so this is hypothetical). Any thoughts?

Hi Guys, I appreciate this is yet another Erudio post, but having rewad them all and taken action it seems there is something different going on here with mine with various underhand and dodgy practices. To summarise my situation: -Took out a total of four slc loans 96/97/98 as normal, which were sold to Erudio - I had always deferred due to low income and Erudio let me defer for a year before their new contract appeared - I refused to sign, they pushed - I eventually sent back a signed agreement with the dodgy terms crossed out, which they refused - I complained officially, which they rejected - Eventually (in 2014) I gave in to their pressure and they let me defer after signing - We moved and notified everyone - Didn't hear anything from Erudio for four years untill this January when the claimform arrived with a letter from Shoosmiths. - I followed good protocols and filed a defense along with SSR & CCA - They eventually complied and it seems the case is stayed right now. It is the examination of the aSAR content that has shown me some dodginess. Obviously there are the are the common things posted on here about a lot such as the 'Master Reference Number' on the claim form, but here's what else I found: - Erudio did a credit search on me, which I found on my credit file, a year before any of this court stuff began. My guess is that they found my correwct address then since I've always remained on the electoral register etc. BUT this search does not appear on the Erudio activity print-out. It looks to me to have been removed before they sent out the SAR to me. nb, the claim form relied on my not responding to their letters, which obvs were sent to the old address. - Next was from the Shoosmiths SAR bit. Erudio had asked me for ID such as a marriage certificate in order to do the SAR. I agreed since my name changed when I got married. I sent it to them. The SAR shows that Erudio told Shoosmiths - "hey, we have her marriage certificate, you could use it to save the £100 you normally charge us for a name change' Then Shoosmiths wrote to the court on my behalf claiming that I'd made an article 16 GDPR request for rectification. They included my marriage certificate. They also followed up their request to the court with a second letter. Lhe most recent letter I have from the court is addressed to my married name. So, my main queation is can they do that? I never made a request for rectification. Also, if it is as dodgy as I think what can I do to make some noise about it? Thanks guys, these posts have really helped me so far!