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!

Hi guys I am helping a dear old lady to try and get her finances back in order. The lady has a massive amount of debt but in reality it's just many accounts with various DCA's. To date I have done all the basic's like requesting NOA's which are now trickling through, I will deal with just one DCA per thread in this case Frederickson's Int' She has 4 accounts with them and have sent off the normal letters and have received back all of the NOA's and their version of statements which include Admin fees. Fred's bought this debt last year and the OC did not send out the NOA or any other letter, just the usual threat o grams I'll only post up one at a time to start so here goes. Account balance is £108.67 with 7 late fees of £12-00 each and will be sending off the letter to reclaim. so in reality the actual debt minus the late/admin fees is just £24.67 Now Frederickson's are being awkward in as much as they refuse to deal with me properly, ( I have a DPA release signed and sent to them) which is not like her normal signature. I have looked in the library for a template letter for Fredrickson's to write of the debt for commercial reasons as this lady has zero money left after paying her Priority debts off, She has serious life threatening illnesses that is now being compounded by the amount of contact these DCA:s are making She has 17 debts totalling £3,500 many with fees most of them catalogue debts but she has from credit cards what would be the best thing for her to do in the long run? Letters sent so far all accounts REQ NOA Prove the debt CCA's all debts next will be the DSAR's all accounts Door step letter Telephone letter Have I missed anything out? Also a note to ADMIN will it be correct to post up each debt separately in the relevant forums? Thx most debts are catalogue 3 credit cards and 1 bank account MM