OK - we need some more accurate info. A PCN will have a specific contravention, along with a contravention number. For example, 01 Parked in a Restircted Street. Can you tell us what the contravention was, and can you also tell us whether you were parked on double yellow lines, in a parking bay, etc.

Hi ghost and kurv I think LP is on top of this. I tend to agree with ghost in that OFT guidance permits a doorstep to arrange a doorstep and my initial tactic with Resolve/snot/call was to answer the door and politely say Foxtrot Oscar or I will call the police; however contrariwise, I react quite strongly to doorstep threats hence if snotcall can be agents for a DCA acting as agents for an OC, then it’s logically consistent for my dog to be my agent. For the benefit of new readers: 1. There is nothing to fear from doorstoppers; the only thing to fear is fear itself 2. One needs to make clear that the

Hi I think I might be there. If you go to the link in No.1 in my signature and then to the last post you will see a spreadsheet called LoanAnalysis. Download it. You can use it to look at the balance of loan 1 at the settlement date. Eneter the total amount of the loan in the first box (cash + PPI) which is £6,109.60. term is 60 months and monthly repayment is £142.47. Look down the list for payment 7 and you'll see the balance on the loan at that point is £5,596.96. You settled it with an amount of £4,668.70 so I reckon there was a rebate of PPI which accounts for the £900 difference. So as both loans are now paid off, le