HI, I had been given a ticket on my car for parking at 4 CHURCH ROAD, ASHFORD - TW16 2UT When I got to the car park I had gone to buy a ticket, because I didn't have the right change I quickly went into a convenient store to get some, roughly in about a minute when I come back to pay for a pay and display ticket I see someone taking pictures of my car I approach him he said that I was being fined for not displaying a valid ticket. I explained that I was on my way to get one and that it had barely been a minute since I parked. (keep in mind this car park is almost empty) He insisted that I go online to make the payment and there was no point in displaying a ticket... With frustration I left the place without buying a pay and display from the advice given I ignored the letters from the debt recovery companies, which spelt my name wrong on the title.. I've now received a letter from Gladstones Solicitors, dated 19th April which i received today (24th April) it states: Re: Our client: Parking Control Management (UK) Limited Amount due: £160.00 Vehicle Registration: XXXXXXX You have previously been written to questioning the settlement of a parking charge. Due to the absence of payment or a valid appeal against the charge, our client has instructed us to recover the total amount due to them as shown above As all other attempts have failed, out client may now instruct us to take legal action against you in the County Court. To prevent such action, we invite you to make a payment immediately or confirm to us in writing your proposals in respect of this debt. In order to avoid any further action you should pay the full amount outstanding within 14 days of this letter. You can make a payment online (Cant insert the link here) or by calling 03330230049 It is important that you understand that if the judgment is registered against you then this could seriously affect your chances of obtaining credit in the future as this information can be made available to any interested parties via the Register of Judgments, Order and Fines, and will remain there for 6 years. If you are unsure about anything contained within this letter, you should seek advice from a solicitor or contact one of the following organisations who may be able to help you: Yours sincerely Gladstones Solicitors (NO SIGNATURE)

Hi i recently received a letter from Provident stating unless i paid them an outstanding amount of £25 within 14 days then they would hand the debt to a debt collection agency, register me with the credit rating agency & that court action may be taken. I was expecting this letter as i refused to pay my agent anymore,since December. The reason for this is that my agent asked for my payment book in November 2012, as she said that she needed to refer to it. When she eventualy reluctantly returned my payment book there had been some alterations to my payments, going back up to 20 months ago, £60 payment had been altered to £20...£40 had been altered to £20 etc, on 5 different occassions the amounts had been altered, but you can still see the original amount underneath the alteration, by the side of each alteration she has written miscalculation. I phoned Provident & told them of this, they asked me to send a copy of the book to them, i requested a computer record of all my payments to them, before i would send the payment book. when i got the print off from Provident, there where several queries by myself as there are alot of payments in the payment book not on the print out of payment history, or the amounts are less than in the payment book, the dates also do not match up on several occassions. I worked out that in all i was around £115 in credit with Provident . I wrote to provident, sent a copy of the payment book & highlighted the alterations, lesser payments & no payments both on the payment book & the payment history print off. I stated that there is also no APR amount entered in the APR rate box on the payment book. I then said that my account seriously needed to be looked at & that i was giving them 14 days ( the same amount of time they gave me to pay, in their letter to me) to offer an explenation & to make a complete refund for the full amount of the loan, as the loan had been mishandled by themselves & the agent, they did not have proper records & what records they did have had been altered by the agent, therefore the loan is void & that if i do not get any satisfaction i will be taking the case to a small claims court . I received a reply this week saying that the case has been passed to a senior investigating officer, who will contact me soon. However, they have said that their investigation will take 8 weeks & if i am not satisfied at the outcome after 8 weeks i can put it to the financial ombudsman. ( which will probably take months). I have decided that i should write back to them with a letter before action letter, stating that i am giving them 30 days to resolve this matter, under The Practice Direction- Pre action Conduct ( i'll also include a copy of it for them), state that i will not be seeking advice from the ombudsman, but will be taking this issue straight to the Small claims court., listing my reasons & also all of the costs i intend to recover: the loan amount, costs for telephone calls, time for writing letters, loss of earnings if i have to attend court etc. Can anyone give me any advice as to where i stand on this matter & if im doing everything correctly or if ive missed anything.. .any advice would be most welcome, thanks.

Hi guys, I can see similar stuff has been posted before but I'll fill you in. In January we got a letter from the council saying we were overdue with our payments and the usual if you have paid this within the last few days please disregard this message. We had already paid the balance so thought nothing of it, all of our other payments have been up to date and we can refer to bank statements to prove this. They have now sent us a letter saying we need to pay a court fee as well as the balance of council tax which is overdue (bearing in mind we have already paid it over a month ago) Would you just call them explaining the situation? Im furious right now and me and my flatmate are on a low income so we wont be paying the balance their demanding as we have paid every charge asked of us before. Thanks in advance