Hi - as the parking ticket was physically put on your vehicle, the only way of tracing where you live is by doing a DVLA/PNC (depending on who issued the ticket as you've not said) and check to see who vehicle is registered to. As you state that a 2 is now a Z and a D now an 0 that registration will not be registered to your address, if a correct registration at all, so in effect they cannot proceed. However, I would point out, that as I work for a local authority in a transport office, this type of mis-read of letters/numbers is quite common, especially with '2'. I think this is a case of the person who wrote the ticket having unclear handwriting and they could well go back to them to ask them to clarify it. You could risk ignoring it hoping they won't trace you, but if you do and they catch up with you, you are likely to have a larger fine to pay or a court summons. Hope that helps a bit!

Just read the letter again and the wording is a bit odd. When I spoke to the lady at Wescot I explained that I couldn't pay before 31st March and we agreed a date of 10th April when the payment should be made by. The letter states full and final settlement is on condition that cleared funds should reach the account by 10th April. So if I send a cheque it is likely that it won't be cleared until after that date, so does that mean it would be void as a settlement and they will pursue me for the rest, are they being a bit sneaky?! Is a cheque the best way to pay for full and finals?

Well I can ask for confirmation in writing, but doubt I'll get it! They don't respond to anything! Surely if I keep the letter together with the cheque stub, wouldn't that suffice if I was pursued in the future?

Hi Finally negotiated a full and final settlement with Wescot. Received it in writing today. When I send the cheque off to their payments department should I be asking them for confirmation in writing that the account is now settled or ask them to update my credit file? Worried that they will then pursue me for the remainder if I don't have anything in writing from them! Any advice appreciated.

I didn't end up sending an SAR as the charges are over 6 years old and you cannot claim them back?

It relates to a bank overdraft, so have been advised it's complicated and CCA doesn't apply! Can I report them for threatening legal action resulting in county court judgement and being liable for court costs? They have really annoyed me!

Hi Requested a full and final settlement figure from Wescot and they have finally written stating that their client (Lloyds) would accept a 30% discount on a £1950 balance. This is still more than I can pay. Was a really nice letter as usual, threatening legal action if I ignored the letter, grrrr! Any advice? Thanks!

It's bank overdraft from years ago so CCA not relevant and claiming back the charges on the account a bit iffy as well as over the 6 years! Am seriously thinking about trying to pay it off, may ask them for a settlement figure and try and negotiate with what they give me, which I doubt will be that favourable to start with!

Ok thanks for advice. Don't like telling fibs, but needs must. Although I don't think the CAB give this information to the DCA, I think they use it for extreme cases to assist people by see what they have which can be released to help them, ie equity. Bloody sick of all this, friends have advised me to borrow the amount on my mortgage and pay the debt off!

It's part of the CAB Form, they told me not to worry about it. Best leave savings account out then, can the DCA find out any info like this?

Well been to CAB, have to have another appointment to go through a full I&E form with them! It wants to know value of property, equity in property, savings accounts etc etc! Will anyone be able to find out if I have a savings account if I don't list it? I don't have much, but I'm not prepared to hand it over to the DCA and leave myself with nothing!

Yes will get some help from CAB. Was just trying to prepare something to take with me, so wondered what was considered reasonable expenditure in some areas, but this seems to be a very grey area!

I think it maybe wise to submit a revised I&E form, as they are stating from the last one I sent I can afford to pay them what they are now asking, although not sure how they got to this figure. They stated I am paying other creditors more than them when I owe them the most. So think I need to do a bit of 'jiggling' with the figures and also include what I didn't budget for to back up my offer of continuing to pay them £10. What would be a reasonable monthly amount to budget for car tax, MOT, repairs etc, and also contingencies for replacement household items, dentist, medical etc. I have come up with an amount but not sure if it would be viewed as reasonable. Any views appreciated!

Another interesting thought. If they couldn't produce any bank statements under the SAR, how could they prove I owe the debt and continue to pursue it?!

Yes, think I would be offering £500 as a full and final, but doubt they would accept, have heard of others not getting anywhere when sending offers to Wescot, they just ignore them! Could be worth a try though as I'm really fed up with them, feel harrassed!

Would anyone be able to let me have a sample I&E form they use to send to DCAs please. Now I have a better understanding of what you are able to list, which I had obviously not accounted for in my recent one, I will just send one straight to Wescot. Although Wescot told me to go to CAB and told me they wanted the CAB to contact them? Do I have to do it this way or can I just deal with it now.

So would I be right in thinking if the Bank can't produce copy statements relating to this overdraft they can't prove I owe the money?! I have had other opinions that because it is over 6 years if I SAR the bank they will write back saying they don't have them anymore anyway.

I owe about £1900, what do you think would be reasonable to offer as a final settlement?

I'm not so much as claiming the charges back as trying to negotiate a reduced defaulted debt which is part made up of unlawful charges. Or is it the same thing just a different way of looking at it!!

That's interesting then. I expect they will write back and say they don't hold them over 6 years, as some people have had replies like that on here. End of story will have to accept what they say I suppose!!

Thanks, have started a thread on there. Will tackle DCA next week after seeking advice from CAB, and hopefully they will accept my payment offer when I send a revised I&E form.

Hi, had a LTSB account a long while ago, over 8/9 years from memory, which went into default with an overdraft which was passed to a DCA, which I am still currently paying. Have been advised by members on here to SAR Lloyds with a view to finding out all the charges on the account to try and reduce the debt. My question is as the account is so old is it likely that Lloyds will be able to provide me with my bank statements as over 6 years ago. Anyone had any experience with this? Many thanks.

Just another thought, having many today! Sending an SAR to the bank to find out the charges that were added to the account with a view to reducing the debt by deducting the charges, isn't there a time limit of 6 years on this, considering 8 years has passed since account was defaulted, what are my chances of being able to do this as it's outside the time limits or am I wrong?

It was passed to a DCA about 8 years ago, originally BSL collections, then it was passed to Wescot and I have been paying £10 a month. I've only ever completed I&E forms.

Forgot to mention, this Lloyds account was a long time ago, at least 8 years, does that make any difference, how long do they hold bank statements of old customers? I know there will be a lot of penalty charges on the account, which is partly why I got into trouble with it.