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

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

Well here's another company failing to adhere to the GDPR I requested a DSAR from Opos on 23/06/18 and have just received the following email - Dear XXXXX I am in receipt of your below email and I have noted the contents accordingly. In order for us to proceed with your request, please complete the attached form and return this, along with the requested documentation, to this email address. Once the completed form and requested documentation is received, we will progress with your request. Regards, Rob Sands Data Protection Officer So they are failing by asking me to fill out their form and asking for ID even though they have previously contacted me by email and I have raised complaints with them by email. ( its an email address I only use for this sort of stuff so don't care if they have it) Ive let them know that if they continue to ask me to fill out their form and request ID I shall be reporting them to the ICO and if they fail to send me the required info within the 30 Days then I reserve the right to issue proceedings against them

Hi, My son received a CC Summons from Lowell for and old Vodafone broadband account when he was in bad relationship with a woman. he has not dealt with this and has stuck head in sand, ex has nowt and only know he got letter in March from lowell offering 20% discount then another in June saying something like 30 days to prevent legal action which he also ignored. Next thing CCS Issue date 25 July arrives at mum and dads house with his name on it. Any help appreaciated please! Thanks

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

Weve had a telephone call from Blackhorse today to say we can cancel our PPI but our repayments on the loan wont go down due to a previous claim we made. Is this correct??? Hadituptohere

Engines First LTD (NORFOLK) I need help i am having problem with this company after googling found out this is dissolved company and still trading on 1stchoice.co.uk with five star rating. I ordered my corsa diesel engine on Monday morning the guy said engine will be with me by Wednesday or Thursday and ask my email for sending invoice but after numerous calls still not received any email. On Tuesday i rang them again to ask if they dispatch the engine yet or not but the guy put me on hold then said he will ring me back in 10mins waited an hour but no call the same thing they were telling me about sending invoice, whenever i ring them they say ok we going to send you but no sign of any invoice or email. After an hour i rang back and been told that engine not available anymore ok i asked cancel this transaction he said ok i issue refund now. After an hour i rang bank and ask if he actually issued refund or not, bank told me he cant issue refund because money still not cleared all he can do is cancel the transaction and money will go back to your account. I rang him again and this time he was bit rude and said why you keep ringing us we issued refund and you will get money back to your card. Today Wednesday i checked my bank and money left my account completely and the company name appears as 'The Engine Company Norwich'. Rang card company and been told nothing has been requested from the seller so seller not issued any refund at all as he said yesterday. Can anybody give some advice on this. Thank you

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

Hi all I've received a letter of claim from Howard Cohen acting on behalf of Hoist portfolio Ltd. The debt relates to a former Barclaycard that started in June 2008 and later defaulted in in Dec 2013 (according to my noddle credit file). I was self employed at the time and quickly became over indebted at the time. The default amount is £12,500 and last payment made was March 2013. I've uploaded a redacted letter of claim I received recently. I received a very similar letter in Dec last year which I ignored and did not hear anything until now - the same request letter. If I respond should I send a CCA letter request to the solicitors? I have until 13th August to respond. Thank you all in advance. Ben Hoist Portfolio Ltd - Letter of Claim REDACTED copy.pdf

Hello everyone I'm using my phone to post this so I'll keep it short foe now and update it in more detail when I can get on a computer. A couple of days a go I recived a claim form from the courts. It says: Claimant = Debt Managers (services) LTD. Solicitors = Restons Solicitors Limited. Particulars of claim: The claimant claims payment of the overdue balance due from the defendant (s) under a contract between the Defendant (s) and NEXT Directory dated on or about Aug 23 2008 and assigned to the claimant on Jun 09 2016. PARTICULARS a/c no - ******* DATE: 19/04/2018 ITEM: Default Balance VALUE: 182.53 Post Refrl NIL TOTAL: 182.53 after all the legal costs and court fees it works out they want about £250. I really can't remember this debt and have even looked back through old emails...etc. It's also quite low value so I would have just paid it if i was aware that I owed it. I just don't want to pay something i don't owe. from reading around it seems my next steps should be to respond to the claim form online and then use the templates on this forum to send a CCA to Debt Managers (services) LTD and a CPR 31:14 to Restons Solicitors Limited. Is this correct? Also has anyone else had any experience with these people ? Thank for any help given

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

Evening All - Newbie here. As per the attachment, I have received the sealed CCCF from Hoist Portfolio on Friday (2 days after CCCF issued). I've not received any prior documentation from this company and to be honest I'm wondering what to do. I suffer from mental health issue's which have left me on bordering being admitted for my own safety a few months back however with help from my local Community Mental Health team, I've been making progress but this is chucking me back to a place I don't want to go. I know that I need to defend and get the AOS out on Monday via recorded delivery but from that, I haven't got an idea what to do next. May I kindly ask for some help. Many Thanks M.H.M

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

Around 18 months ago i agreed to a three year Landline and Internet contract with True Telecom, which i soon regretted , The internet was weak and the lower prices that i was assured were not to be ( read the small print i suppose ). A few months ago i saw a direct debit set up on my account from Chess Ltd ?. I looked them up and asked who are you ? I was told that Chess had taken over the service from True Telecom. I noticed the service prices going up, yet we hardly use the landline and had the same weak internet router and service. A couple of weeks ago i got a call from a broker who offered me a deal with one of the big providers for around a third of the cost and much better internet and i agreed. A few days later i received a letter from Chess regarding the switch of service informing me of an early termination fee of over £400 pounds. I contacted Chess telling their representive that i dont have any agreement with Chess and was told that Chess purchased the account and i would owe the amount, I was then offered a deal of cheaper service though not as low as the amount on offer through the broker and a new 18 month contract with Chess which was not on with me. The new provider took over yesterday, We now have much better broadband and the phone is ok. Do i need to pay Chess at all and if so as much as over £400 pounds and if so can i pay instalments ?. All advice welcome folks.

I am 5 months into a 5 year agreement with Specialist Motor Finance.. due to other situations, I am thinking of entering into an IVA to improve my credit situation. the agreement shows SMF "may" terminate the agreement as i would have entered into a voluntary termination.. i contact them to clarify and they then stated they would terminate the agreement, but if i continued to meet the payments i would be able to keep the vehicle when i asked for this in writing they refused. any one had similar with this company?

Hi, I think I have made a minor mistake - a Ltd company owes us (we are also Ltd company) for an unpaid invoice. The invoice has been unpaid since April, we sent a letter before action by email: I copied this text from something I found online, the number of days was blank so I just put 7 in there thinking it was reasonable. Anyhow I have now read the pre action conduct page here https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct And they mention 14 days. ooops. As the 7 days has elapsed do you think I should send another letter giving 14 days, or should I continue with my Draft MCOL claim? PS Email OK? PPS do only work days count or do weekends count too? Thanks in advance.

I am a member of a gym which has a small car park. When you attend the gym you have to input your car reg inside the gym. I bought a new car in March and on the same day I collected it I went to the gym, inputted my car reg which as it was new the system wouldn't recognise. The attendant told me not to worry and I signed in as usual. Of course I then receive a PCN which I appealed and provided confirmation from the gym that I was a member and attending the gym at the time in question. For some reason the appeal was turned down and I have now received a demand from Civil Enforcement threatening escalation to a third part collection agent and possible proceedings. As the gym whose car park it is has confirmed I was there can CEL demand payment. What is my next step. Is there a standard letter I can send to CEL advising that they have had confirmation from the gym that I was there and signed in.

Hi there, My pregnant wife and I parked in the Haven Banks car park in Exeter on a Sunday afternoon and paid the parking charge for 2 hours. We have subsequently received a Parking Charge Notice showing images that say we left the car park 2 hours and 15 minutes after entering and so we are required to pay up to £90 (£54 with early pay discount). I am new to all this but see from the forum that this is not the first time their charges have been brought into question. My wife is over 6 months pregnant and so is obviously slower at moving than normal and also takes time to get organised and comfortable in the car and so a fine of up to £90 for 15 minutes in a fairly quiet car park is excessive. Furthermore, the signs are not very clear so we almost missed them when we first arrived. I have not yet responded in any way to the letter as I have just received it in the post, but would be grateful for suggestions as to how best to approach this situation. Many thanks in advance.

Hi all, I'm currently going through a move (renting) and am being asked to provide my company accounts to letting agents for their credit checks. Now I remember this seriously bugged me the last time I moved, as I run a Limited Company and it's my gut reaction that the company accounts are and should remain private. I'm paid via payroll on a regular basis as any other employee would be. I don't even submit full accounts to Companies House, so why should these nosy parkers get to see them? Is there any legal justification for them asking this or can I politely refuse, offering my personal accounts / payslips only?

Hi, back in November my daughter received a PCN from Civil enforcement ltd. stating she hadn't paid for parking. The parking was in a conservative club that you had to pay for on your phone. S he arrived at 12:08 and left at 12:27. In this time she didn't have her phone on her so ran into the shop to see how she could pay as the club was closed. (the only place to park to visit this shop is the club). They couldn't help so she returned back to the car and left. She later received the PCN then a letter from ZZPS saying they will instruct their solicitors to chase up the now £140. Then another letter arrived from QDR wanting £236. Now she has received a claim form from Northampton from civil enforcements saying she will be going to court. We are not sure where to go from here. Any help would be appreciated Thank You

Hi All, Today I have received a letter from Moriarty Law: Our Ref: xxx Acc No: xxxx Amount Due: £185.88 Claim No: xxxxx Original Lender: Talk Talk Limited Dear Mr. X, Following our earlier letters regarding the above outstanding balance we have now issued proceedings in the County Court at Northampton to effect repayment of this debt. You will shortly receive a County Court Claim from Northampton County Court along with an information pack containing details on how to respond. It is still not too late to amicably resolve this matter and therefore please call our offices within 14 days on 02031264544 where our litigation executives will be happy to help and explain the options that are open to you. Yours faithfully, Moriarty Law I believe this "debt" relates to my previous house where I lived with an ex-wife. My ex took out a restraining order against me and so I was effectively kicked out of the house. I contacted Talk Talk who supplied the phone and broadband and told them I was no longer living there and they sent me a change of ownership form. I filled it in, sent it off and thought that was the last of it, and cancelled my direct debit. Until today, when I received the above letter. I have access to my Experian credit report and nothing mentioned on there about it either. After checking my emails, I signed up on 10/11/2012. After checking my bank statements, it seems the last payment I was for £10.11 on 04/07/2013. Will I definitely be getting a claim form or is there a chance they are trying to scare me into paying up?

My 'lovely' middle child bought a second hand Vauxhall Zafira from UK Motors Ltd based in Watton Norfolk. The car is faulty. Despite many phone calls, where the boss was not available (hmm!) and various emails, they have not responded whatsoever so it looks like Letter Before Action time. The problem is, I don't know if I need to give them 30 days to respond or 14 days which it used to be. I have no problems sorting MCOL out but I will be supporting my daughter through the court process if needed. Just to add. I have set an alert with Companies House against this company just in case they try to either change their name or liquidate.