12 months on & now having not heard from them for months my daughter has now had 2 letters in the last 3 weeks. The most recent dated the 20th November they are sending in the debt collectors in 7 days. Should this still be ignored or should we now go to trading standards or the police with this. Help & advice urgently please.

My daughter has now had a letter saying they require she pays £72 or court proceedings will be started which will effect her credit rating. What if anything should we do now please. I have included the original post I sent via private message so people can know how this started. I have read the previous thread re Bath Uni parking ticket. All I need to know is the ignore it message still the thing to do. My daughter was attending a press day at the Uni for British Bobsleigh of which she is a team member. Uncertain of the time it would take she put in money for 4 hrs, she went over this time by around an hour & on return to her car had a ticket on her screen. Other cars parked in the same car park by other members of the team although having paid for only 2 hrs & arriving around the same time but leaving 4 hours after my daughter did not get a ticket. My daughter is now away with the British Bobsleigh Team & has left me to sort this out. I have been on the Car Parking Partnership website & note they have taken photo's of the car. I had thought not to pay, then went through to look at the payment section where they where asking for many more details than I would be happy to let them have. Please advise as to if this ticket should be paid. It is due on the 27th otherwise it is going to be £60 instead of £30. Thank you for reading this post

Hi All Good news Creation Finance have sent me a letter saying, while they do not agree with the OFT statment of April 2006, they have decided to reduce my balance to Zero, as it was made up only of late payment charges & fees they had levied. I would like to thank this site for helping me to get my money back. Now I only need to tackle the other bank charges on our joint accounts, see if I can have the same result.

Just read info again. I will not be sending Letter before Action today as first stated, but the Perlim letter

I am today sending the letter before action to Creation Finance. There phone calls both to my mobile & my landline are continuing:mad:, although I am not picking up. The calls are also being received after 8pm which I belive I read somewhere on the site, means they are acting outside the banking code, is this something I can also do anything about:?: This is dispite having sent a harrassrment by telephone letter to them What would you advise I do next:?:

Hi I am in dispute with creation finance over late payment. Owed them 8 pounds 12 pence, payment was 2 days late, this was the only purchase owing as I always pay in full at each statment, charged late payment fee 20 pounds plus 3D premium added 13 Nov 2006. Then no statements till start getting phone calls on my mobile, 6 in the last 4 days. Have now received letter stating I owe 61 pounds 36 pence. How should I deal with this. The phone calls I feel are harrasment, as they are very agressive in tone. I have now sent a harrassment by telephone letter. All your FAQ's that I have read & the draft letters, non so far seem to relate to me, as although they are stating I owe them money, they have not taken anything, as I do not have any payment methods set up with them. I really need to know how to tackle this problem. Over the phone I have offered to pay a late payment charge of 5 pounds, but this has been declined, they say I must pay as per the contract & that the calls will continue. All the time they are adding charges, that I do not owe. I know that the amount is small, but still of concern. Please point me in the right direction to a resolution.