Thanks very much for your answer WD. I'm dealing well with this matter at present. I have been here before and I'm using experience gained in that time. I sent a letter to the bailiff's concerned requesting dates, times etc of all charges by recorded delivery purely as a delaying tactic. I have been parking my car away from home and ensuring all doors and windows are locked. I have also sent an embellished woe is me letter to the council telling them of my reasons for not paying and desire to deal with them directly along with the dates and amounts I intend to pay them. I'm going to use their online payment system to pay them exactly on time, even if they tell me to deal with the bailiffs concerned, and I'm going to keep doing that until they accept it. I have one query. If the council officially take back the debt, can the bailiff company clamp my car in order to get me to pay their costs?? Last time I went down this route I didn't own a vehicle so I wasn't worried about being clamped. Jacobs sent me several letters asking for their costs by after a few months they gave up. I'm just wondering where I stand if the Equita try clamping me to demand the £42.50 they have added on to this debt.

Can you tell me where I might find this information, thank you.

The debt is for council tax owed to Sefton Council. He was certified at Burnley County Court.

Hi, I have just received a reply from the bailiff company currently bothering me. In their letter they provided the bailiff's name and certification dates. I checked the certification register online, the names and dates are correct however the employer field is blank. This bailiff is working for Equita, surely the employer field should show "Equita" - Does this mean this bailiff has been working illegally? - Does this mean any charges applied for visits have been unenforceable/illegal? - Is this a stick I can use to beat them with? Advice would be appreciated. Thanks for reading.

Thanks for the reply. I don't understand your answer. Debt #1 is just a regular account with a bank with an overdraft feature not a loan through the student loans company. Debt#2 I just don't understand the answer: "A CCJ doesn't become SB unless they enforce it within six years they will have to apply to a court for permission to do so however;" thanks

I have two debts for students overdrafts taken out around 2001. #1 I have not paid anything towards this debt or acknowledge it for about 10 years. I have received a few letters regarding it but binned them all. There is no CCJ for this debt. Am I right in thinking it is eligible to be statue barred? #2 I have a CCJ for another student overdraft account. The CCJ is dated April 2006. I have paid nothing and not been contacted about this debt for over 6 years. Does there come a time when this CCJ can be written off? What is the life time of a CCJ? Thanks for reading.

It is indeed getting technical, especially for my day off too. I've taken a stroll around the area and the times DO change, however there are no reminder times or notifications that new times are in place so it is on that basis that I shall appeal it

Hi guys, I'm back. I'm really getting into this matter and have dug up the following on my own. This link is to a diagram of accepted CPZ signs and it's variants. The sign in question is sign 663 and it must have a time plate at the bottom which: may be omitted where restrictions apply at all times - They only apply 8:00 - 18:00 in this whole area so I've got them haven't I??

Thanks for your responses. I'm very encouraged by them. This appeal seems so simple that I'm looking for a reason to make it more difficult, but it appears the council have failed to erect proper signage. Just to clarify one point: the hours of operation on the machines is 8:00 - 18:00 Monday to Saturday holidays. Nowhere round here is it 24hr Pay and Display so that cannot be the reason for the lack of times on the entry signs. I plan to lodge my appeal today, however I have just two more questions: -Is there an Act or rule relating to the Council's duty to provide time plates on entry signs which I can quote in my appeal? -I'm am going to inspect all the entry signs at every entrance to this Pay and Display area. My question is this: if only one entrance to the area has time plates will that be enough for the council to reject my appeal. I think this question might be answered by the information I have asked for above. Thanks for your time and interest I shall post my appeal and the result here. P.S: I have just Googled my council's website on parking. It says this about it's parking enforcement: "...The whole of Southport Town Centre is a controlled parking zone, where parking is only permitted in marked bays and a pay and display system operates. There are three zones and the parking charges vary according to the zone (please see details below). The zones are indicted by the tariff stated on the pay and display machines. Please refer to the on street pay and display machines for the times the zone is operational and the charges that apply." So I guess more than ever I need an act or rule that to dispute the lack of entry time plates. Thanks again.

Hello there thanks for the interest. It is a Pay and Display Zone The ticket was issued in Bank Square here is a street view link to the end of it. Bank Square is within a parking zone therefore no times are shown on any signs and as I understand it times only need be shown at the beginning of any zone. A few roads down the zone ends. Here is a link to signs as you enter the zone. I've driven around a few roads (and as I live in the area) so I'm certain that no times are displayed either on signs, or lampposts, only on the P&D machines themselves.

I have walked to the end of the street in question and two other streets also within this zone but there were no times displayed, this might be because I was I was still inside the parking zone. I will go to where the zone starts and see if I can see any times. If none are shown can I appeal on that ground?

I've just received a council parking ticket for parking in a bay without a ticket. I was there all of seven minutes (went to answer call of nature). I've just read that there is no "grace period" so I can't argue that I wasn't given long enough so I intend to appeal this based that the signage is in correct. After walking around the area the ticket was issue in I can see Pay and Display signs at the start of the white bays but nowhere can I see the times this is in force except for in tiny letters on the Pay and Display machines themselves. I will be happy to provide photos. Do any experts think I've got a chance of appeal?

I got a quote from A&A (Allan & Allan) for car insurance. I liked the price and so paid a £150 deposit. A few days later the documents for the credit agreement (I was intending to pay by monthly instalments) and the proposal arrived. Before I signed I decided to give my current insurer a chance to better A&A's quote and they came pretty close so I decided to stay with them. I called A&A and they said they would cancel the policy but :- -They would charge me £50 for admin/costs/work done so far - It would take 6 weeks to get it back, but they could reduce this to 2 weeks as as the policy hadn't started. My question is: Can they do this? I haven't signed anything. When I paid my deposit the operator did read a bunch of waffle out very quickly and of course I don't remember anything about a £50 cancellation fee. Even if I did hear that and say "yes" to it can they still charge me without a signature? I'm very peeved about this, especially the as I intended to use that £150 to renew my policy with my current insurer in 5 days time.

I'm currently ignoring my 2nd letter from a different PPC than yours. It's all baloney. Congratulations on not worrying Warwick; some people, who are perhaps a little more scrupulous than myself, have difficulty doing this. So ignore away and think of the money you've "saved"

You are more than welcome System_error, I myself have received a lot of help on here and so I feel I'm only paying back a small amount of that. Great news that you have cut out the Bailiff fees. That's one big bully who'll be 200 smackers down at the weekend. Result.