Hi I've been suspended from work while they are investigating allegations of gross misconduct. It's follows a grievance I raised against the way I was being treated by another department (there are a number of individuals who use threats to ensure I prioritise their work over other departments). My grievance was ignored and I was told by my line manager that an informal complaint had been raised against me by that department. A week later I'm called into HR and handed a letter stating I've been suspended due to allegations of harassment outside the work place. There are very little details of regarding the harrasment and I honestly can't think of any occasion where I've approached a colleague outside of work with malicious intents. I've spoken to ACAS and CAB, the advice is to take my original grievance higher up, which I plan to do. With regards to the suspension and the eventually these allegations are proven false, I understand there is very little I can do as I have only been in the organisation for a year. Both ACAS and CAB have listen to my full case and have advised that if I had been there for over 2 years I would have a good case for a tribunal hearing or unfair dismissal if I'm to be dismissed. What I do want to know is can I demand full details of these harassment allegations prior to the investigation meeting? Will I be damaging my right to a fair 'trial'? Next week will be the month anniversary of my suspension and it's driving me crazy trying to work out what I could have done or said that could have been deemed harassment. The details I have is allegations of harassing colleagues on social media, traffic lights, a bar, and a station. No dates, what was said, no mention of what social media platform, nor what bar or where the traffic lights are located. My desire to know is also driven by a colleague who contacted me a couple of days ago as they were very concerned about my well-being - my colleagues are starting to question where I am as I've disappeared from the planet and a few have now contacted me - I've told them I'm on long term sick leave. This colleague witnessed the only incident which I would deem harassment on my part, which I have already admitted to HR. Why would they contact me when surely if the harassment claims were being fully investigated they would have been interviewed as part of this process? The one incident which I am very aware of: I was very drunk after a night out with friends and bumped into a colleague who happened to be in the same bar, we get the same train home so we went to the station together. While at the station we randomly bumped into another colleague (who is from the offending department) and they approached me to ask how I was. I ignored them but they persisted so I said something about the informal complaint they raised against me. I can't remember what was said in response but I burst into tears and they tried to comfort me. I apologised the next day because I realised I shouldn't have said what I did but also realised how embarrassing it was for them to have to deal with an emotional drunk. Apology was accepted and no more was mentioned about the incident, until I was suspended. And that is the only incident I can think of. To add to the situation, the colleague who would have been the one to complain about the incident at the station has resigned and knew they were leaving at the time of the complaint. Why complain about an incident which they accepted an apology for (in writing - I put my apology in writing as I was off work the following day and wanted to immediately apologise)? Therefore I don't understand why they felt the need to raise false allegations about the non-existing incidents. They have nothing to gain and if proven false surely they are damaging their own reputation. None of this makes any sense. With regards to the social media allegations, I just wanted to add that the apology was via work e-mail. Also the colleague in question, we were friends on Facebook but I unfriended them when I realised that the work relationship was turning toxic. That is all I have done. The only other social media I use is instagram and all that shows is photos of my holidays. I don't use social media to contact work colleagues and I hate it when colleagues use it to contact me - which they have done when they couldn't get hold of me and I always move the conversation to work e-mail or phone. And I only have one FB friend that is also a work colleague. They, like the one I unfriended, have been friends prior to my joining the organisation.

Hi folks - first post, as I'm somewhat annoyed/concerned that an issue I thought had been dealt with has reared it's ugly head today. Long story short, I used a parcel booking service to pay to ship a cardboard bike box overseas in October '16. This was all fine in terms of goods arriving, until I received an e-mail 11 days later stating my parcel had been measured by the courier as bigger than the stated dimensions and therefore I had underpaid by approx £50 for the volumetric weight. The service I paid for cost £30 so as you can imagine I was less than impressed! I was so convinced it was attempted fraud I reported them to Action Fraud and cancelled my bank card, as the small print of their T&Cs state they will attempt to recover the amount they consider outstanding after a short period. Their justification for the additional charge was nonsense after I disputed the additional cost, and even their own website disagrees with the way they attempted to justify it. I also liaised with the parcel carrier directly, but aside from intervening to try and get the booking service to see sense it just went round in circles. I asked for information that was never supplied, but eventually sent them the pictures of the parcel which I'd taken prior to shipping, with a tape measure in shot, in early December which they wanted to use to generate a refund to them from the courier before they would wipe out the invoice. All went quiet until early Jan when another copy of the invoice arrived by e-mail, which I quickly responded to. At this point I was told the opportunity to appeal with the courier was past and to pay up. I queried whether the photos I'd sent had been passed to the courier but received no response. I chased this again a few weeks later asking if no news was good news and if my previous e-mail had been received - again, no response. I assumed until today they'd either got the courier to refund and hadn't bothered to communicate with me, or they'd just lost interest. My last comms to them was end of Jan '17. Today, by e-mail, I received the following from an e-mail account called Admin Judges which I've anonymised a bit: I found this site by searching for the company name, but the references are quite old. I presume that rather than acting for the company concerned they have simply bought some packaged debt and are chancing their arm at minimal cost to themselves and see what they get back. I've had no letter in the post, but I imagine the costs and threats will escalate over time? I can afford to pay it - that's not the issue - but I begrudge the slimy way they've attempted to get extra money out of me - seems a common tactic for the firm concerned. Sorry for the long post and thank you to those that have read this far - what advice from well informed regulars on how best to deal? Many thanks

Hi. I'm on a DMP with step change, currently paying back debts of £12k.. received a letter today saying i had broken the agreement on a default notice and now they want paying I'm full the amount I owe them.. . I don't understand why. Currently paying £724 a month..never missed any payments with them. Any help.of ideas. ..im scared about people coming to my door. Can they do this before a court order. .if it gets that far. ..im paying everything im.asked too...

Please can you advise. Ive read through the other threads and the Erudio Sticky on here before posting. I can see DX has referred to more recent Erudio tactics in a post in March, but cant see the details of what they might be. I took out my original loan in 1990 and have another from 1996. I received a letter today from Erudio stating that they have recently sent me Notice of Sums in Arrears or I may have historical NoSiAs for arrears that fell due. They want me to contact within 14 days and if I fail to do so it could lead to steps to default my account. I dont earn over the threshold. I never have. I deferred my loan with SLC. Since Erudio bought them I havent completed a deferment form. I will be 50 this year. I cant help wonder if this is a push to gain payment before that date. What should I do. Can I send copies of my wage slips - most people seem to mention sending bank statements in other threads. Should I write in response to this or is it a standard letter? If I do reach the ripe old age of 50. Will I still owe the arrears as a separate debt or should they also be written off with the original loan amounts? Thanks in advance for your advice on this.

Hi, perhaps someone here might have some good advice. Southwest Water has just sent us a demand for advance payment for water supplies (probably estimated) , payable in two instalments. Up til now we've always paid weekly or monthly, but we've never trusted direct debits to anyone , and with good reason. Now suddenly Southwest Water want to take nearly my entire pension for two months. What do these people think folk are supposed to live on? I would like to ask if they can demand the whole amount like this, and what can we do? To be absolutely honest they have always been difficult and a right pain, for many years. We're also now aware they've been the "second worst for complaints" in the past. No surprises there. Two questions if we may: 1) Should we set up a standing order (SO) for a corresponding monthly amount amount from our bank to our Southwest Water account. Or b) There is no way they are getting my pension for two months, so what can Southwest Water do about our choosing to pay monthly by standing order? Thanks and kind regards.

I wonder if anyone can please help or advise about this situation. I have a home that I currently rent out and the mortgage is paid up to date etc. I had some financial difficulties when everything crashed in the late 2000's. I missed one or two mortgage payments due to being out of work a long time ago, probably 5-6 years. The arrears were paid up almost immediately and have been on time ever since. I have lived with my girlfriend for 4 yrs and have let the house for that period. Today I received a letter from HSBC for the full balance for the property, a FINAL DEMAND. I dont know why they would send such a letter as, like I said I am all up to date. I am wondering if because I should have let them know I was letting the house I am now in default, and should have been converted to a buy to let mortgage. If anyone could shed any light on this I would appreciate it. Thanks

Hi guys, My father in law has received a letter out of the blue from the DWP saying "our records show us that you owe £2,982" and they can get an attachment of earnings, send debt collectors blah blah blah....... He is due to start claiming state pension in Feb 2018 so he completely panicked thinking this was a demand for a shortfall in NI contributions & he wouldn't get full state pension. he called them up and set up a payment plan, without asking them what it was actually for.......... After speaking to me, I pointed out this letter doesn't say what he owed it for (it was literally like me writing a letter to you and saying you owe me 3 grand, no reason whatsoever), he called them back and they said it was for Incapacity Benefit that was paid to him for a couple of months starting in October 2003, and they allege he was earning at the same time. This raises a few issues. Firstly, he knows that he definitely was not earning at this time, but he may have been receiving private pension payments. He will have to look up old info to confirm this or not so we can't contest anything yet on this point. However, on a broader point, do they actually have a leg to stand on asking for repayment 13 years after the event? They've sent a letter with no explanation whatsoever, blindly asking for 3 grand. Then when he phones up the DWP they say it's nothing to do with them, it comes from the benefit office.... .... It just all seems very suss. Has anybody else had experience of this please?

On 23/0/15 I made a £16 purchase at Lidl. I wasn't able to buy all items at Lidl, so ventured to Iceland to buy what I could't get at Lidl. (I have proof that I used Lidl). I evidently had overstayed at the car park by 10 minutes. My husband (Registered Keeper), has since received 3 red-topped letters from Athena ANPR Ltd; Overdue Reminder £45, Civil parking chargeicon Notice £90 and Final Demand £90. No communication or acknowledgement has been forthcoming from myself or my husband. The Final Demand is stating amongst other things that failure to pay could result in a county court judgement to recover monies, bailiffs, attachment of earnings warrant etc. It is now quite concerning and I don't know which way to proceed as initially had understood that ignoring these notices was the best way to deal with them as they are simply invoices, and unenforceable. It's approximately a day away from 14 day limit of the last letter. Would really appreciate some good advice. Apologies if posting in wrong forum. I'm new to this and trying to navigate in haste!

Received this letter in the post today, I've never had any contact with them before. There was no other information included so I dont even know which years this is apparently for! What would be my proper course of action? And how do I find out more about this 'summary warrant'. Regards

Hello, By searching google I can see this has happened to a number of people however there hasnt been any conclusion so here is my problem and not sure where I stand. Out of the blue I received a shocking & demanding email from buymobiles asking me for £360 or return of goods within 7 days as, as they say I have been disconnected from T-Mobile. In April 2013 I followed a link from HDUK for a Nexus 4 at £15.50 a month with a free phone. I took up this offer and received said phone and paid T-Mobile every month however on the 18 month due to the small amount of minutes I had I decided to buy out my contract by ringing up T-Mobile and asking for a pac code which in turn gave me a final bill of approx £66. I then checked using checkmend if T-Mobile had a hold on the phone and it came up clear so sold it and used the money to pay off my bill. I then took out another contract with EE. Now I have received this email and am very annoyed about it, one that the phone was advertised as free, two that the phone was £279 new at the time and after 18 months is no where near worth £360 three that I dont know where I stand. Also they state I have recently been disconnected and have not fullfilled the minimum 2 years. But i have as I bought out the remaining months and T-Mobile said thats all I need to pay. I have just checked the terms on their site and the only one was EE and that states after six months the phone is mine to keep. I am not sure what the terms stated at the time of purchase or if I actually read them. I have finished off contracts before and have not had this happen. The email is in my next post. I understand these are not terms so not sure where they have come from and why they are paragraphed the way they are. Seems to me this company are bullies and have found a way of demanding extra money from customers when they upgrade etc early using another company or provider. Using "waybackmachine" I have found the original offer give or take a day and it clearly says phone FREE as does their terms however it seems the phone isnt free its on loan. Buymobiles have informed me there are two contracts one for the network and one for the phone. I emailed them back and I have just received this reply. I asked for a breakdown of their loss in me ending the contract early. I told them i bought the contract out. I asked for a hard copy of the terms of the sale which they sent but they could easily be changed in their favour if they think I dont have them. "In regard to this the payment for the goods or return of the goods has been requested as the network have advised us that the contract has been disconnected during the minimum term. When you placed the order you entered into two contracts, one for the airtime which is with the network provider and one contract for the goods which is with ourselves. A disconnection of any kind within the minimum term is a breach of this agreement, if you have ended the contract early this is still classed as a disconnection . We require the debt to be paid to ourselves or the goods returned, the amount due is the handset cost + VAT. I have attached the Terms and Conditions which is your agreement . " No where did it say I was entering into two contracts. If they are saying the phone was part of a loan agreement then law states they must send me an agreement to which I sign which includes the terms. This didnt happen. Annoyingly I was going to keep the phone and tariff as a spare but wanted my gold number to use on my new contract. I didnt even save much ending it approx £25. Kicking myself! dont know which way to turn now.

Hi there guys, my son decided that University was not for him and came home the second week of December 2016. He has just received a demand (request) for an overpayment of Maintenance Loan of £337.12 which is due immediately. They do however offer to discuss the matter and work out a repayment plan. This has been made by "Student Loans Company" slc.co.*k Unfortunately my son had already budgeted for what he needed for the rest of the term and had spent all of his remaining maintenance loan. As far as i was aware both the tuition fees and maintenance loan were not repayable until his earnings reached a certain threshold? If this is not the case due to him leaving early will he also be billed for his tuition fees for the rest of the term? There is also an added debt of his off campus university accommodation charges for the rest of the term (or maybe for a longer period depending on what the terms are for accommodation. This was arranged by the University) This is a bit of a mess so we need to deal with one thing at a time. + Maintenance Loan demand + 1. What can we do about this because my son has no income at all even though he has just applied for Universal Credits he will not get any income for quite a while because they do not count the first 2 weeks and then he will not be paid for a further 4 weeks after that. 2. Is there any way to get this debt sorted under the Student loan terms of only repaying when income reaches a certain threshold? I will tell him to not ring them yet until we get advice. Thank you in advance.

Another day, another TPS Parking Charge Notice courtesy of my lovely partner who keeps overstaying her welcome. Free car park, but only for 120 minutes. Rather than letting this one get as far as legal letters, any suggestions on an appropriate response at this time? I cannot argue the parking conditions or signage, just don't wish to pay these cowboys. I don't recall receiving previous notices on this one either, but as I've been battling them on another notice, I can't be certain they haven't issued them. Letter attached. Help appreciated.

I would be grateful for some advice. I occasionally get some eatables and pickles from India using Fedex courier services. My father paid the charges for the courier services in India and declared the item value which was 15£. I have received the parcel without any issues. After 3 weeks time i got an Invoice letter from Fedex for the payment of 30£ for Duty and Tax. In the Invoice its clearly mentioned that the total value of the goods was 19£ and Fedex was asking me to pay the Duty and Tax of 30£. I have attached the Invoice. I have called Fedex and queried them about the invoice, they said some miscalculation will send another one, but again they have sent the same Invoice of 30£. After few weeks later i got a call and a Message from Controlaccount saying ' Please contact Controlaccount quoting reference number **** in relation to Fedral Express Europe Inc'for which i did not reply. I have called Fedex again and queried them about the invoice, this time they have asked me to send an email to customerservice explaining the situation. I have sent them an email and got a reply from them saying 'Having investigated the matter in more detail, the invoice on this occasion has been issued correctly. The charges have been levied by the local Customs authorities in the destination Country. Please find attached a breakdown to show how the charges have been calculated (Breakdown attached). In the breakdown the value of the goods was showing as 76$, i am not sure how they got this number. The initial Goods value as per the invoice is not matching the breakdown which they have send me through an email. Please advice. Thank you Krish Fedex Breakdown.pdf

I was served a statuory demand by BWlegal/Lowell on behalf of Barclaycard on 10 December 2012. The debt is disputed about the CCA - which I have copies of the dispute. I have a letter from BC acknowledging my dispute and they sent me a photocopy of their T&C but no agreement, nothing with my signature etc, so i disputed the debt again. They sent it onto Cavells and they tried pushing for payment and I sent them a "in dispute so send back to BC letter" which they did and nothing further was heard from them until the stat demand came. The stat demand put my local court as the court who is dealing with the stat demand. I rang the local court and they have no knowledge of this, but they did inform me that they are not the court in my area that deal with bankruptcy, so the wrong info was entered on the stat demand by BWlegal I contacted BW and informed them of the dispute and immediately emailed copies of all requests to BC re CCA, their response - pages of T&C's but no agreement, not even a blank one and certainly nothing with my signature or account number on. They responded with a letter stating they were asking Lowell for the CCA info to be sent to me and if Lowells didn't have it then they would contact the originial creditor so may take longer than the CCA time frame. Verbally they agreed to cease all action until the dispute was resolved, but they didn't confirm this part in writing (what a shocker!!) They told me all actiion would cease and i didn't need to do anything. Needless to say i totally ignored their advice and phone my local bankrupcy court (which isn't that locall!!) to ask what i should do. The court they told me i had to fill in a couple forms with any evidence that the account was in dispute and send it back to them within 18 days of it being served I completed the forms, included all the letters I have and signed the forms at home and posted it via special delivery. owever after speaking to somebody they told me that it won't count because i didn't take it to the court and sign it in front of them, so Bwlegal can make me bankrupt because i have failed to follow prcedure - is this true? Here are the all the documents involved - as you can see from the court letter it says nothing about needing to be signed infront of the court staff. I can't get to the bankrupcy court before the 18 days are up, so if the above is true about it having to be signed infront of court staff what can i do? Can anybody advise me on what to do next and what is likely to happen? Is non compliance of CCA a good enough reason to stop this stat demand?

Hi It seems that Cabot Finnace has brought both mine and my wifes credit card debts from Lloyds, they have not provided a CCA in the 12 +2 days. What do I do next?

Hi guys, First post, great site and great help! I received a demand for payment for an unpaid PCN yesterday from DR+. It was in Leeds, in a private car park and as per the guy above, I did not receive a ticket. There was however a guy at my car (no doubt a resident) making note of my car details when I returned after 10-15 minutes (I was on a house viewing). I left and there was NO ticket on my car. I will take advice from above and ignore the letter but expect another 2/3 reminders. Given there was no ticket received and the DR+ website states "Disputes: As per the British Parking Association's (BPA) Code of Practice, Point 22.7, the time to challenge the charge has now expired. The opportunity to raise your dispute with the Independent Appeals Service is also no longer available'" I find it hard to believe that they can do what they are doing, I have had no right of reply as I didn't know about the ticket! If I had time, I would argue that there will not be a photo of the ticket on the car, nor would there be PROOF of when I entered and exited the car park. I just hope the quieten down in a month or two. Please do shout if I am doing the wrong thing in ignoring. Cheers guys!

Had received a parking notice before but ignored. Now a second letter came to the post demanding £160 to be paid, failure to pay a court action will be taken to recover what I owe. What shall I do? Please help

GERMANY has provoked fury after a much followed TV show, Heute Show, has sent presenter Lutz van der Horst, to the streets of London, campaigning for the organisation called "Krauts for Brexit", which advocates Britain not only leaving the EU but also the Champions League. I don't know what these arrogant Germans want from us, but I tell you what, I'll do the opposite of what the Germans want and I'll vote IN!

Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this on request. The over draft was £25.000 He had a personal account with the same bank, and this is when it became clear he had personally guaranteed the overdraft. About 6 months after his company went into liquidation he went to the cash machine one day to retrieve his benefits payment and it had been frozen. He rang the bank and was told, they had closed his account due to the debt owed to them by his ltd company and they no longer wanted to do business with him, He was told all he could do now was to wait, and they would be in touch. For the remainder of the time he lived here, he heard nothing from anyone. He also had another debt of a credit card (an old goldfish card which he defaulted on when his bank account was closed). This is where I come in, He moved on and ive only seen him a couple of times since, due to my failing health, and not at all for the last 2 years. About a year and a half ago, letters started arriving for him i put them all to one side for a while. Then the debt collects stated to knock on my door. Im bed bound and I have carer's, im paralyzed and having a big health problem currently. I have to communicate with these people through my door entry system, or allow them to come to my bedroom and all that entails.. I have had constant harrassment, Every time I explain my situation. Tell them he isnt here. They have contacted my neighbors, a couple of months ago, the local drug dealer knocked at my door, at 11pm at night, to tell me he had a call from a man regarding my house and who lived here, and was given a phone number for me to contact him on. This has in this situation left me very vulnerable. ive had calls from 'parcel force'' tried to deliver a parcel for this man, does he live here?? Each time there was a letter, ive contacted the senders, a door knock, ive explained the situation. Asked them time and time again to stop. one of the companies chasing him told my carer and me, as long as he owes us money, we will carry on coming here. Ive been told he owes money, I was told they spoke to his son.. (didnt even know he had one). They also said he had taken credit out at this address within the last 3 months.. (which is a big concern to me) I cant seem to make it stop. The last contact i had was by phone direct to the company sending out these collectors, I explained everything above and was told no one else from there company would come. Yesterday a hand delivered letter came through my door, addressed to 'friend' I opened it concerned about all the above, and its a statutory demand. I assume from the same company that has done all the above. It states he has 18 days to respond. I have contacted everyone i know who might know his present where abouts but as yet havent had any contact from him. But im trying here to get the ball rolling, because if he doesnt sort this out in the time scale, i dont know what the consequence will be for him, or me! Any advice? I know a lot about the problems he faced, and the 2 debts he has, because i helped him through the breakdown he had when all the above occurred. Back when these accounts closed, he got nothing, from the bank, or the credit card.. no defaults, no notice they would close his personal account. oh, and one last thing.. when they shut his personal account down, the lumped the personal overdraft debt, to the business debt, and it seems they are claiming for both together. Many thanks, i know its long winded, but been going on for years.

I received a parking charge notice after inadvertently overstaying in Sainsburys car park in January. Previously I have had a ticket whilst parked in a local Aldi and believing that it wouldn't be enforced I ignored threatening debt recovery letters and they went away . Hence I didn't worry and ignored this notice. I then received demand for payment notice from DRP for £120 . My husband told me he'd heard that things had changed and that I should have paid . On the notice from DRP they quote "landmark decision " handed down 4th November 2015 in favour of parking operator who took motorist to court for non payment of parking charge - it says that this is important test case due to complex legal arguments used by both sides. This sounds very vague to me - however I don't want to risk any consequences which might affect my credit rating or a court case . Do I pay or not? I have no valid excuse for overstaying- just didn't really realise the time . I welcome advice!

Hi This is my first post so thank you in advance for any advice Briefly, last week I received a Statuary Demand from BWlegal and I have a genuine dispute with the creditor (errors on the credit agreement) and I also believe the debt is now stature barred. The loan was taken out in 2006 and the dispute I had with the creditor was upheld by the Financial Ombudsman. I want to apply for set aside and understand I have to fill in forms 6.4 and 6.5 but I have no legal knowledge and cannot afford a solicitor, could anyone help me with the wording for the Witness Statement? The demand was handed to me on Thursday 11th June. Thank you in advance for any help!

I got a ticket in February for stopping in a no parking area obviously they rejected my appeal it is currently in the hands of the IAS with no decision yet made, today i got a Balance Due Demand for £125 (up from the original £50 for a quick payment) even though its still in appeal, any advice greatly received. Thanks Paul

Hi guys. This is my first post here and so be gentle !! Last week I received a demand letter from Debt Recovery Plus (DRP) stating they are writing to me of behalf of their creditor (G24 Ltd). It states they are writing to me due to no response received to their previous correspondence and are demanding I pay £160 parking charge ! The thing is, this is the first I've heard of the parking charge/fine (dated 5th Nov 2015). There has been no correspondence received. I have also revisited the site (England) to inspect the disclaimer sign, which states the fine is £100, or £40 if paid within 14 days. Naturally, I rang DRP and explained I have had no previous correspondence and as such was completely oblivious to the parking fine. He then said "Well you're now outside the 28 day appeals window" !!. I then questioned him as to how I can appeal a situation I had no knowledge it existed !! To which he had no answer, obviously. At this point I also had no evidence of the offence I had allegedly commited so I asked for this, which they emailed me at the weekend (two images of my car parked outside the lined bays). I replied to the email thanking them for the evidence but also stating that I will not be paying £160 because I received no initial paperwork and was not given the opportunity to settle the matter at the reduced rate. I then received a reply which I will copy below, which says they still want the £160.... Start of letter........ Thank you for youremail regarding the above Parking Charge Notice (PCN). The time to challenge the charge has now expired and therefore access to the Independent Appeals Service (if applicable) is no longer available. However, in order to resolve this matter, I will offer the following comments as to why this PCN was correctly issued and is still payable. My findings The site in question is subject to terms and conditions, which are stated on signs throughout the area. Those signs state that all vehicles must be parked in authorised areas. On the date in question, the vehicle was parked in an unauthorised area and a PCN was correctly and legitimately issued as a result. Correspondence Please note that a PCN was sent to the vehicle’s registered address for notification purposes. If there has been a problem regarding the delivery of this document, this is a matter to raise with your postal service. Under The Interpretations Act 1978: Where an Act authorises or requires any document to be served by post (whether the expression “serve” or the expression “give” or “send” or any other expression is used) then, unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have been effected at the time at which the letter would be delivered in the ordinary course of post. Your obligation to notify the DVLA of a change of circumstance Regarding your details, I must stress that it is your obligation to ensure any of your details held at the DVLA are correct. If a delay in communication has resulted from a failure to do so, our company cannot be held accountable. What you need to do now Please ensure that £160.00 is paid by 24th March 2016. Payment can be made online or by phone. Go to 'link removed' or phone 0208 234 6775. You can find full details of how to pay on the reverse of the letter(s) sent. What will happen if you do not pay what you owe If the amount is not paid by the date shown above, we will recommend to our client that court action be taken by them to recover the outstanding balance. What if you do not agree Although any correspondence that does not provide further evidence will be noted and retained, I cannot guarantee that we will reply to it. End of letter...... Surely they cannot force me to pay £160 when they cannot prove I received the initial PCN ? It also rages me that they say if I haven't received the initial PCN, then I need to contact my local postal service ! They're the sender, it's not my duty to ensure delivery and how can I query unsolicited mail ? Any help/comments guys would be much appreciated. Kind regards

Recently received a letter from the above, refering to their clients as Capquest and originator HBOS for an amount of almost 10 thousand pounds, saying they are instructed by Capquest to commence legal proceedings if proposals arent made by the 14th of this month, to clear the debt... As i have no idea where this is from and is not showing on Noddle or Experian I am wondering If anyone can help please?

Hiya all, Found out yesterday my brother has had a statutory demand for a debt he has totaling £12,250 He is unable to pay it in full and has no assets- he rents and has no car etc and has no savings - highest value item is his TV at £150 value so nothing of value to wipe the debt off He has done a SOA and that shows he can afford to pay £300 per month which would clear the debt in 40 months I am going to help him write a letter tomorrow proposing this as a repayment plan with a SOA to see if they agree to a plan instead- is it worth me copying his rental agreement/ bank statements etc which show he does not have savings/ own house etc Is there a template letter for making this type of proposal? Many thanks