Hi, I entered the Damside Street Car Park in Lancaster on 09/09 2018 at 11:57:47 with a 5 years old daughter in distress. While my partner took care of her I had to go around to find a place where to change money because I didn't have enough loose change to pay for a parking ticket at the ticket machine. Therefore I bought a parking ticket valid for 1 hour at 12:10 (just over two minutes after the 10 minute grace period finished). I left the car park at 12:13:02. In total, I stayed there for less than 16 minutes but purchased a ticket allowing me to stay for 1 hour (plus the 10 minutes grace period). A few days later I received a Parking Charge for £125. I tried to appeal with the HX Car Management and with the Independent Appeal Service but with no success. A few days ago, I received a Letter Before Claim from Gladstones solicitors threatening with a legal action if I don't pay £160. I'm not sure what to do. Shall I pay or shall I go to the court? Do I have any chance in the court with no legal experience? Thank you for your help Miroslav

Hello I am deaf and me and my wife took a loan out of £16,000 secured loan through igroup Ltd via loans.co.uk. We believe we have been misold with PPI. I wish to make a PPI complaint so can you please point me to the right direction to who I should make a PPI complaint to? The loan was taken out sometime between 2001-2003, not too sure and we have lost the original agreement, unfortunately. Please help? Many thanks Angus

Hi all , it is my first time ever discovering forums like these in my life. I'm Matt I'm a 26 year old male and to cut a long sob story short i have been ignoring various debts for years as they always used to get passed from pillar to post so i'm not entirely sure which company owns which debt etc. Following a bereavement in 2012 my life spiraled downwards into chaos , i drank a lot of alcohol every day for a long time i lost my home ,my job , my friends and just about everything you can imagine. I used various payday loans to pay for my drinking once i had lost my job and i tried to take my own life in 2015 because of my debts. I am still involved in mental health services i was diagnosed with Psychosis last year (2018) , i had a terrible time getting abuse 24 hours a day from voices in my head often keeping me awake for 4-5 days in a row. I am enjoying a January voice free, i don't take any medication anymore , it's taken a long time to sit here and have the confidence to post here. I received a letter today from a company called BW Legal which made me think it's about time i start working on a solution. I was hoping for some advice, help with anything you can while i have motivation to try and solve a very big problem i have and this is my debts. I have followed instructions from the site and i have obtained my credit report, to my suprise my debts are nearly £5000 less than i had anticipated bringing my total debt ( on my noddle report ) to £3745. I am currently receiving ESA ( Employment and Support Allowance ) so i do not have a big income to pay a lot of money a month. I did read about the statue barred sticky thread, i do believe some of my debts are older than 6 years old but i am unsure when the date starts from, also my memory is not very good about the past 6 years because i was drinking heavily. It is also the reason i am hesitant about contacting any of the companies for my account information. I do have letters somewhere dated in the past 3 months which i will try and upload. I have 2 CCJ's i believe one is from Capital 1 credit card for around £500 and a parking fine of around £200. Thanks in advance for any help i might get, i have been signposted for stepchange by my mental health worker , but i was worried i might mess up any chance of Statue barring any debts that might be eligible. I have downloaded a PDF from noddle with all my report on if anyone would like to see it. Lowell £ 499 Lantern £ 262 Active Securities LTD £ 442 Capquest Investments LTD £ 1,288 Lowell £ 780 Lowell £ 217 Barclays Bank Plc £ 62 Ee Limited £ 152 Thanks again

I signed up to David Llyods after speaking to a sales advisor on the phone who told me the contract was 3 months long and after then I could cancel anytime with a 1 months notice. The next day I rushed into the gym for a class I signed up to, signed the contract he prepared for me which was handed to me by the receptionist. After about 5 months I called to cancel my contract and was told I am in a 12 month contract, I argued this and said I was told on the phone it was 3 months and then I could cancel with 1 months notice at anytime. Clearly I didn't read the contract they gave me properly as I was in a rush but I was 100% missold on the phone, when I asked for evidence of this they told me they don't record their phone calls. Now I didn't have enough money to pay for any more months so I emailed them in writing, explained how I was missold and cancelled my direct debit. They replied saying they would compromise because of my situation and let me cancel with 2 months notice. So basically they acknowledged how I was missold but still didn't honour the one months notice that was supposed to be in the contract. I told them by email I can't afford to pay for 2 months which was true so I won't be accepting. Now they have passed my debt to Arc Europe Ltd who have called me everyday for the last month, multiple times per day on multiple numbers so I am now worried to answer my phone to any unknown numbers. I replied to one of their texts and spoke to their web team and told them my story, how I was missold by David Llyods and that I have already spoke to them and told them why I can't pay. I then told them to stop harrasing me and left the chat. They have not slowed down their efforts since at all and now I am being sent letters threatening legal action in court. Could someone please help me get out of this as it has made me furious that they are so dishonest and that a company like David Llyods would use scare tactics and a well known to be aggressive debt collector such as Arc Europe Ltd.

Hi, Once again I turn to the wonderful CAG forum to reassure my friends that I am taking correct action and giving correct advice to them with regard to private parking tickets from PCM. Several of us (total of 4 cars) visited a friend's newly rented apartment The site was only accessible through a locked gate that had to be opened by a resident. We all parked in marked visitor bays. Our friend didn't have information about displaying permits from the letting agent; she subsequently learnt these are only available from the concierge who had left for the day. He has told her that PCM are awful and probably won't follow up the tickets. I am certain we should not appeal or pay for these rogue tickets. Unfortunately, the host feels obliged to do so to reduce stress for the other guests, one of whom is now away for several weeks. She even received one herself a few weeks ago in the locked underground car park for which she had a permit but hadn't displayed it as she thought the car park wasn't accessible to be ticketed. Checking threads on here I can see that this company is clearly one of the many that prey on people's anxieties about all the follow up letters, increasing charges etc. I have been here before and got the reassurance I needed to keep ignoring and eventually the letters did stop. My friend currently has the ticket and I will post a picture of it when I get it back. I will also post pics of the signage when I receive them. I am going away for 4 weeks in 10 days time but am confident that I won't need to act on anything during that time. Thanks as ever in advance.

HI, im new to this service so please bare with me. back in 2016 my partner signed upto brighthouse for a washer dryer combo, we paid £50 inital payment at the sign up and two payment of £30 a fornight there after. after a month had gone by and we still hadnt received the item in question we stopped paying. Shortly after this we had split and was going through courts for custody battle, so didn't have the time to chase this up In 2018 we got back together and decided to chase up the debt that brighthouse owes us, on febuary 22nd 2018 we spoke to a customer service agent who claimed to not be able to find my partner on their system. she then requested my details (in hindsight I wish id have never gave them) which I gave and was told they couldn't find me either which is no surprise. We waited until September of 2018 for a response, in which the woman who called and asked my partner for her personal information and ask for her permission to speak to me (which she gave) I was then told that the account was in my name not my partners (which should not be the case) the call lasted all of 2 mins from start to finish. after this call I rang in to discuss why the account was in my name and was told the exact opposite and that it was now in my partners name! I accused them of stealing my personal information and using it illegally and since then the account hasn't switched names again and it has stayed in my name they now claim not to have any information of my partners on their system ( despite having call recordings to prove this is a lie ) I have made multiple data access requests for all the call logs, a copy of the original agreement taken out in 2016 any and all information held in mine and my partners name all been ignored despite going about it legally and sending documents through e-mail (so I have a copy of all correspondence) and recorded delivery. The only aspect of which they addressed was the call recording and instead of giving me the full amount I requested I was given 3 from different points of my enquiry nothing more. I guess what im wanting to know is if there is anyone out there who has the same or similar experience with brighthouse if so have you any advice you could offer? oh I forgot to mention, according to brighthouse records I made 2 payments not 3 and the amounts don't come close to what I actually paid. they are stating I paid £23.10 and £10.78 which is BS as I never pay anything in pence I always pay up to the pound. Myself and my partner have both asked for her account information, and have been met with excuse after excuse and the claim that she doesn't have one despite being told otherwise on multiple occasions.

Hi, first post for a few years on here under a new user name so how I'm doing this right! Husband received a PCN from CE Ltd. He met a friend for KFC, they got chatting, lots to catch up on and he overstayed by 18 mins. He won't have paid any attention to any signage but he was genuinely a customer. Does he have any grounds to contest this as he was actually using the carpark as a customer or do we need to suck it up :/ Thanks in advance

I have received a CC claim from Civil Enforcement Limited, following a series of demands after parking in an off-road car park in Croydon. I wrote rejecting the initial claim when I received the PCN, I did not get a response so I did not respond further. I have read the thread CEL ANPR PCN Claimform - Croydon Poplar Walk car park. and I intend to reject the claim and responding as per CPR 31.14 Request to use on receipt of a PPC ( Private Land Parking Court Claim) Wanted to clarify a couple of points and confirm if I should change any of the standard responses proposed to alladin78 My case differs slightly in that I paid using the convuluted phone in system, however 20 minutes after I left the parking area (I was only there for less than 15 min most of that reading the sign on how to pay!) I received a text To confirm your parking session and for security purposes URGENTLY reply with your vehicle registration only 1min later another text was received stating As you haven’t confirmed your vehicle registration your parking session has not been booked. Please call the number on the signage As I was driving for 1-hour I naturally did not see these messages and frankly it would be unreasonable to expect a response within 1 minute to confirm booking. A cynical person might suggest that this convoluted payment system is deliberately designed to frustrate payment in order to issue PCN. Claimant is Civil Enforcement Limited The Claim Form was signed by Civil Enforcement Limited (Claiments Legal Representative) Claim reads Claim for monies relating to a parking charge for parking in a private car park managed by the claiment in breach of the terms + conditions (T+Cs). Drivers are allowed to park in accordance with T+Cs of use. ANPR cameras and/or manual patrols are used to monitor vehicles entering + exiting the site. Debt + damages claimed the sum of 182.00 then follows the violation date time of entry and exit Thanks in advance for your advice/assistance

Hello, i have had a loan with cash on go ltd peachy loans in August 2012, i didnt pay it back and they defaulted it on 07/11/2012 , this was showing on my credit file up until about a month ago when it just suddenly stopped showing on there. It has now reappeared in November but they have set the default date to one in 2016, when i have proof it was defaulted on 07/11/2012. Why would they do that? I have emailed the CRAs to tell them is there anything else i should be doing? Should i contact Peachy direct. I'm not 100 percent sure if it is it stat barred as i may have paid something in a payment plan but i am trying to find out yeh just to confirm its not stat barred- as i made payments in july 14

Hello. I’ve today had a ‘PCN’ issued by NE parking Ltd in Blackpool town centre (Adelaide court, a car park behind some flats). Last night I went to a gig in town, I drove as I wasn’t planning on staying late but I ended up having a couple of drinks so had to leave my car overnight. My friend used to live in Adelaide court so I would always use his space should I be nipping into town, and have never had any problems before - until today when I’ve gone to pick my car up and been hit with a £60 charge. The reason for the charge is ‘parking without a valid permit/ticket’, and I know 100% permits were not issued to residents of Adelaide Court 6 months ago as my friend didn’t have one and never had to use one himself. Unless this has changed recently? However, the other cars parked there did not have permits on display either! I know a lot of people say to just ignore private parking charges, but can someone advise me what’s the best thing to do from now? Do I acknowledge? Pay up? Or just leave it? Thanks in advance!

1 Date of the infringement 02/09/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 10/10/2018 3 Date received 15/10/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? No Have you had a response? N/A 7 Who is the parking company? Smart Parking LTD 8. Where exactly? Western Car Park , Rye 20181015162054849.pdf

Jail for travel agent who failed to explain missing thousands READ MORE HERE: https://www.gov.uk/government/news/jail-for-travel-agent-who-failed-to-explain-missing-thousands https://www.birminghammail.co.uk/news/midlands-news/former-travelogue-travel-agent-boss-15327351

Dear all, Exeter Road Car Park, Braunton, EX33 2JJ - Parking Charge Notice I have also been subject to this rather off-putting Parking Charge Notice in the same place; Following the thread above I have completed the questions from the link below: 1. Date of the infringement: - 05/10/18. 2. Date on the NTK [this must have been received within 14 days from the 'offence' date]: - 11/10/18. 3. Date received: - 12 or 13/10/18. 4. Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?]: - Yes. 5. Is there any photographic evidence of the event?: - Yes. Two photos of car. Two of numberplate [both dark]. 6. Have you appealed? [y/n?] post up your appeal]: - Not yet, but I have drafted it and posted below. Have you had a response? [Y/N?] post it up: - N/A - not yet. 7. Who is the parking company?: - Premier Park Ltd 8. Where exactly [carpark name and town]: - Exeter Road Car Park, Braunton, EX33 2JJ Draft online Parking Charge Notice Appeal wording: "Dear Sir/Madam, Please be advised that in normal circumstances I am law and rule abiding, in any case.
At the time in question this was no different, however, after recalling this journey to an area that I am not familiar with and which receives a significant amount of tourism traffic, I would state that the terms and conditions of the car park are not sufficient for the average visitor to use and create a valid contract. Specifically I am appealing against the availability of, and clearness of, the signage and how well lit the car park is to make this reasonably visible to any user in order to create an acceptable contract. At the time of the evening stated, and as can be evidenced from your own photographic evidence stated, it was almost pitch black dark if not for the light omitted from a vehicle itself. So much so that the vehicle make, model, colour or driver cannot be determined. If I recall correctly, at the given time of the evening, a bus also pulled into the bus lane outside the car park on Exeter Road, meaning that anyone would have to tightly pull in front of it to gain access to the car park, missing blocked entry signage and parking terms signage. The darkness of the evidence provided also does not display and make clear were my car was photographed and if it even entered the car park or remained stationary/unattended there for any period of time at all. 
Please can I appeal to good faith that if the displays were clear and visible I would have seen no option but to comply with the terms and conditions, but in this case, for multiple reasons, the terms were not clear enough for me to be made aware to do so at the time. There is also no evidence provided to the contrary that the car park is clearly displayed, including its terms, or sufficiently lit to substantiate the claim that any contravention was intentionally made at the time. If you do not agree that this penalty has been unfairly applied and reject my appeal, I will be left with no option but to further this appeal with IAS. I look forward to hearing from you Regards," --------------- Any help you could give here would be greatly appreciated?? and I hope that this helps others Thank you

Hi, I'm looking for some advice on a PCN that was issued last year 07/09/2017 for parking at Croydon Poplar Walk car park. I did park there on the 7th September, and didn't make the payment as I think my phone had issues (or I forgot) and called up the number the next day when I remembered on the PaybyPhone site/board to ask how I can pay for the previous day as when I checked the website I couldn't find any other contact number. The operator told me she couldn't help me as there was no mechanism to make a back dated payment. I've parked in the same car park multiple times and always made the payment. When the first letter came, I remember vaguely I called to say I tried to make the payment the next day, but they wouldn't have any of it, and said the notice in the car park says clearly that the payment needs to be made within 30 minutes of parking. I tried appealing on the call saying I had tried to make the payment the next day and explained I'm more than happy to pay the parking fee with an appropriate interest for it but the fine of £60.00 seems a bit steep, but they didn't budge. I tried to search up the actual legal owners of the car park, but couldn't find any details for them. Subsequently, I got a few letters from Civil Enforcement where the money owed kept going up, but after trolling through a few sites which recommended ignoring these letters, that's what I did. Then I got a few letters from ZZPS which had threatening tones (and amount kept increasing, all of which I threw away) and then got a couple of letters from QDR solicitors, the last one dated 25/5/2018 threatening stated they would obtain a CCJ, which I kept. I didn't do anything, as after looking up similar letters the general advice seemed to be to ignore them. Last week I got a Claim form from County Court Business Centre, Northampton dated 11/10/2018 which looks very legitimate as it has the county court stamp (albeit a bit faint). The amount now states £331.59!! Feel like I should've just paid the £60.00 last year. It seems a bit unjust that a £5.00 parking fee should end up having such a huge fine!! What should I do? Any help will be greatly appreciated. I've attached the first page of the claim form (it has 4 pages in total with page 2 being a 'Response Pack', page 3 is "Admission (specified amount)" - lots of sub-sections and is double sided ending with a declaration. Page 4 is "Defence and Counterclaim (specified amount)" - also double sided with lots of sections. I've also attached a scanned copy of the letter from QDR solicitors. Please help me.. feeling very anxious now! Kind regards Al

My Wife received a letter from Hoist Financial UK Holdings 2 Ltd concerning an alleged debt that my wife has with GE Capital. I have attached a copy of the letter and there are a few points I would like advice on in terms of how to proceed. 1. My wife has got no recollection of the debt in question, although she did say she once had a debt relief order, this order is coming up to 20+ years ago. 2. The letter was addressed to her in her maiden name (we have been married for 5 years and in a relationship for 6 years) and in all the time we have been together she has never had any letters from Hoist or Robinson Way who are mentioned in said letter. Should we write to them asking for proof of alleged debt, or should we just ignore the letter as it is likely to be a phishing exercise. Also should we report said companies to the ICO for being in breach of DPA as their information is very out of date as they wrote to her using her maiden name. Many thanks

I've copied the post I made in another website forum based on the information they gave on their site and the advice given on the forum as well. Up to this point I have only sent in my application to set aside the judgment, I also added at the end to stay the writ and complain about the bailiffs to requesting an investigation into their charges as well. I've no idea if I've done any of it correctly. I was out of time I think and had to have it in the post Friday or so I was lead to believe. I proved my insurance company claim was put in to deal with the case and they did not act within the time scale and gave me no Information or guidance on what to do whilst I was waiting for them to appoint a solicitor which is meant to be part of my insurance cover to get free legal advice regardless of if they are acting for me . Proof the ccj was entered before they even gave it to a solicitor and proof the bailiff arrived before the solicitors had even looked at the case. Proof I made a formal complaint once the ccj had been entered into that they had not dealt with it in a timely manner and not advised me what I need to do while waiting for them. Also Included all the proofs I didn't owe the money and that they owed me and why and how much. A copy of the bailiff paperwork showing the charges and everything. I think that was it. read the post I made on the other site below and tell me please did I do any of it wrong do I need to be filling in and submitting anything else. Do I have a case to request a charge back because they threatened to take my pets if I didn't and never gave me notice they were coming and charged me over the allowed fees. Are they really as bad as everywhere says and will I have to take everyone to small claims court to get my money back . Thanks Don't actually owe the debt. The creditor owes me money. I had legal insurance that was meant to cover this but they messed me about for so long a ccj was issued and the enforcement officer came before they had even said if they would take the case on and now have decided they won't. It was over the sale of a dog. The buyer just didn't want it after five months so sent it back and I said I'd try to sell it for them and get what I could and they said they would pay for me doing it for them he was with me six months and only sold for £1000 which they agreed to the sale price. got my friend an accountant to work out the costs properly for me and it worked out they owed me nearly £500 on top of the 1000 sale price. I said no. Can't send that cut it down to cost so they did which made it something like 250 they owed me still I sent that to the owner and said look my accounts work out what it cost me but have a look and give me a call and we'll have a chat about it and sort something out to suit us both. She never did her mother sent me a load of abusive messages and applied for a ccj straight away. I've got all the defence and have been doing all the paperwork and forms and proofs to apply to set aside the judgement doing it totally off Google help so far but now seriously worried after reading all about dcbl when they came I had not got notice that they had the writ and planed to come. They just arrived at my house stood at my gate and I wet myself thinking it was a police. All dressed in black what looked like a vest and body cam and all sorts. Then he told me who he was and what he was there for. Told him I knew nothing about it and weren't they meant to notify me first if they had got a writ and he said yes we sent a letter and I told him no I never got one or I would have dealt with it then . I asked if I could ring my solicitor who was a waste of time because she could not advise me because she had not decided if she could take the case based on my insurance cover yet. He then told me if I did not pay him there and then that they had a dog van on the way to take my dogs my pets to sell to pay the debt. Also it would then go up by about another 750 on top of the 2200 something. I logged In to my online banking to see what I had and I didnt have enough in my bank I even showed him. I asked if he could come back in a couple of hours and I could get the cash and he said no if he leaves he is leaving with the dogs to pay the debt. went back in the house and searched and managed to find some cash I forgot I'd hidden for emergency. paid in full and he went away happy. I've now found out from my searches learning how to set aside the judgment he over charged fees. Did not send me notice. Then threatened to take my pets which he's not allowed to do either dressed like police and never offered to make any arrangement to pay or to take other items he was only Interested in the dogs my Pomeranians. I actually joked and said I've got a puppy dog you you can have she's a little turd and rubbish guard dog and he said no only the little ones which I found odd he targeted them. He must have researched me first as all over my social media is my dogs and just my dogs. My dogs are my pets not a business I only breed to get more pups for me for breeding and showing and pet home any I don't keep. I'm going to ring my bank for a charge back in the morning but I've been on the forum and seen about all the Complaints about this lot and wondered if there was anyway my complaint and details could help. And also wondered if I should be apply to stay the writ as well or anything else as well and do they all just go to the county court or do I have to do two lots and send the set aside to county and the writ to high court. Thanks in advance

Good afternoon, Am hoping someone can offer me some advice with regard to NE Parking Ltd and whether or not I should pay not 1 but 2 PCN's issued within 24 hours whilst parked in the same parking spot over August Bank Holiday weekend in August. Arrived in Blackpool having booked a hotel to stay the evening with my partner and 2 children on the evening of Sunday 27th August. I was unaware that there was limited parking at the hotel and upon checking in at 18:10 I was informed that I would need to use one of the car parks situated nearby at a cost of £12 for 24 hours. I then made the decision to park my car (at approx 18:15) on one of the few available spaces at one of the NE Parking Ltd's car parks, as it was closer than were I had initially left my car prior to checking in. I checked the payment meter and discovered that there was no facility to pay by card and it would only accept coins, to which neither me or my partner had at the time. The mistake I then made was deciding to leave my car without a ticket for a short period of time whilst I carried our bags into the hotel room and then went off in search of a cash machine or shop to get the required change for the parking meter. I managed to purchase a ticket at 18:36 only to find that within 21 minutes of leaving my car I had been issued a PCN for failing to display a valid ticket. Great! I then took the PCN off my windscreen and left it in my car with the ticket I had just purchased on my dashboard, as there was very little I could do now with it being a Sunday evening and upon trying to contact the company managed to speak with a mobile supervisor based in Hartlepool! I left my car parked overnight and returned to it around 3pm the following day to set off for the journey home. Arrived to find another PCN had been issued for failing to display a valid ticket but unfortunately the ticket had blown off from my dashboard to the side of my front passenger seat which was probably due to strong winds which Blackpool had the previous evening and day. When I got home I e-mailed a detailed letter of appeal to the company outlining my circumstances with photographic evidence of the ticket I had purchased plus receipts of my check in time at the hotel and from my purchase to get cashback from the shop. I respectfully requested that the 2nd PCN issue be cancelled due to the fact I had already been issued one and that I could prove I had purchased a valid ticket. I also requested that the 1st PCN be reduced to an administrative charge due to being parked for 21 minutes without a valid ticket. I have today received 2 letters from NE Parking advising that both PCN's were in fact issued correctly and that I was parked in breach of the terms and conditions of parking. Firstly, should I pay them for both PCN's? Secondly, can a second PCN be issued if one has already been done? Thirdly, if I appeal to the IAS as suggested by them using the same letter and evidence offered, would it help to get the PCN's cancelled or reduced? I accept begrudgingly that the first PCN I may struggle to quash, as I have stayed longer than the grace period (heard it is 10 mins) but it just seems as though I have been a victim of an over zealous parking attendant who has watched me on CCTV then very quickly issued the PCN before I returned with my ticket. The second PCN I feel really strongly about not paying because I can prove I have purchased a valid ticket but being parked near a sea front with strong winds and not being able to stick the ticket to my windscreen has made it look as though I haven't paid and displayed. Thanks very much in advance for any opinions or advice that may be offered regarding this issue. Carl

1 Date of the infringement : 1: 09/08/2018 + 2: 02/09/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 1:06/09/2018 2:05/09/2018 3 Date received 1:08/09/2018 2:07/09/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No 5 Is there any photographic evidence of the event? No 6 Have you appealed? No 7 Who is the parking company? ANPR Collection Services Ltd (Parking Collection Services) 8. Where exactly Amersham, Natwest Car Park For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS. BPA If you have received any other correspondence, please mention it here

Hi, I would like to announce a success for you to mark as won thanks to the help I received here if that's ok. I received a County Court claim and came to this site. I had a look around and saw that it was easy to defend the claim myself so I didn't want to start a thread and increase the already high workload of the good people advising on here. Firstly can I just say to anyone who is reading this that is in the same position, don't despair and as the advisers always say " READ OTHER THREADS " anyways here's my my story: A claim was issued against me on 09/05/2018 I found other threads similar to mine My defence was submitted on 20/05/2018 at 22:26:33 My defence was received on 21/05/2018 at 08:02:28 DQ sent to me on 04/06/2018 DQ filed by claimant on 11/06/2018 Again I came on this site and read other threads. General Directions order was made on 30/06/2018 I filed a DQ on 01/07/2018 My claim was transferred to xxxxxxxxxx on 31/07/2018 Ok now this is where I got a little scared and started thinking that if they are carrying on with the claim they must think they have a good chance of winning. Back to the threads and it seems I'm not the only defendant to think this at this stage, but after reading more advice and doing lots of swatting I got my confidence back. This is the point at which many defendants cave in and the DCAs know that. Ok onwards and upwards. 16th August 2018 I received this letter. District Judge xxxxxxxxxx has considered the statements of case and directions questionnaire filed and allocated the claim to small claims track. Unless the claimant does by 4pm on the sixth of September pay the court the trail Fedor £170.00 or file a properly completed application ( i.e one which provides all required information in the manner requested) for help with fees, then the claim will be struck out with effect from xxth September 2018 without further order and unless the court orders otherwise, you will be liable for the costs the defendant has incurred. 1. Claimant to send Court and defendant all documents it relies upon by xth September 2018 and bring ORIGINALS to hearing. Included in documents shall be: I) Copy of all agreements relied upon Il) Copy of the account and sums claimed including details of all fees/changes claimed or included in the sum claimed. III) Evidence of assignment of debt that claimant relies upon IV) Any written statements of witnesses 2. Defendant to send the claimant and court all documents and statements he relies upon in response to the Claimants evidence by 4pm xxth September 2018 Now as you can probably guess I was quite happy and the claimant was probably quite unhappy. Now the claimant must have thought that: 1. I was really stupid or 2. I hadn't received a copy of the letter. First they sent me a letter offering me 25% discount and they would not proceed, then a letter offering me 50% discount and they would not proceed and then, you guessed it, another letter offering me 75% discount. Obviously I ignored them all, the clock for them was ticking. On this xth September 2018 I received this letter from Howard Cohen & co. Solicitors: We write further to the County Court claim that was issued against you on 9/5/18. Following the issue of the claim against you, our client has instructed us to discontinue the claim with the court. Please therefore find enclosed by way of service upon you a Notice of Discontinuance. We will also be notifying the Court that the claim has been discontinued accordingly. Please be advised that our client has now permanently closed your account and no further action is required on your part. If you wish to discuss any aspect of this matter please contact our clients collection agents, Robinson Way on 0345 266 8876 ( no thanks, I'm fine thank you) Well anyways, thanks to all that helped, I couldn't have done it without you. I'll have to go through my notes and come back to thank you all personally. So again, whoever is reading this, don't be scared, read through other threads and try and help yourself, you won't understand what you're doing or why your doing it if you expect the advisers to hold your hand every step of the journey. The DCAs (Mafia), their solicitors (henchmen) are nothing but bullies who deserve a bloodied nose, get your boxing gloves on and come out fighting. *****WON******* Could someone also send a link so that I can donate.

hi, i am a first time poster here, 5 months ago there was a death in the family, the family business had to be dissolved due to complications in the will etc, this meant my husband lost his job, his father and more, it was a very stressful time. couple this with the fact that i had recently given birth to twins via a c-section just 8 weeks ago at the time, the PCN simply didnt seem at all important and was ignored. the PCN relates to when my twins had doctors appointments (their first health check which meant 4 different appointment as this included thier first immunisations aswell), it states i arrived at 9.53am and left at 11.44 (117mins) and free parking is only for 90mins. the appointments for the twins were: appointment 1 @ 10.10am then for the second twin @ 10.30am, right after the first, the doctor were running late but i had no chance between appointments to move the car etc, i have browsed the forum a little and add some info below that might help or PCN's received through the post [ANPR camera capture] please answer the following questions. 1 Date of the infringement 09/05/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 15/05/2018 3 Date received 18/05/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] yes 5 Is there any photographic evidence of the event? Yes, but not time stamped 6 Have you appealed? {y/n?] post up your appeal] Have you had a response? [Y/N?] post it up no 7 Who is the parking company? Civil enforcement 8. Where exactly [carpark name and town] Todmorden health centre carpark, lower george street, todmorden, lancashire For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE I cant see either BPA or IAS mentioned If you have received any other correspondence, please mention it here A second notice was received dated 18/06/2018, it was ignored A third notice has been received, dated 05/09/2018, this is threatening third party collection agents if we don’t pay within 14 days other people local to me said they cant do anything and to ignore it, but to be honest im getting very worried about the threat of action against me. any help or advice would be much appreciated. thanks in advance

Hi, I've read through a lot of posts, but can't find one that directly deals with my issue. Please find attached the notice & pics sent to me. I live in Scotland, so can't get any pics of any signage before the 14 days. I don't remember there being any notices except for the usual pay and display notices, The problem with the parking bay was that if I had moved forward I would have had the front of the car over and I thought this would have made it more awkward for the cars next to me. 1 Date of the infringement 07/08/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 13/08/2018 3 Date received 16/08/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] Have you had a response? [Y/N?] post it up No 7 Who is the parking company? Northwest Parking Management Ltd 8. Where exactly [carpark name and town] Central Car Park, Peter Street. Carlisle (stated on letter - I cannot confirm as I am not local to the area) For either option, does it say which appeals body they operate under. BPA I'd really appreciate it for someone to take the time to read and offer some advice. PNCharge.pdf

i received today a notice to keeper penalty charge notice saying i had to pay 100 pound for an offence i did not commit i was not the driver. the date that the offence was supposed to be committed on the notice to keeper letter was 30/08/16 which is a total fabrication as my car had not even manufactured then it was first registered in November 2017. i think they made a boo boo about the alleged date the offence was committed, any advice would be much appreciated

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