Standard willy waving from this bunch. They simply print off the DQ and send it to the defendant in the hope they'll wet themselves and cough up. Once you discover the games they play and that they'll never go near the court because of the state of these Cr@p one accounts they just park it and it remains stayed, whilst they go off and find easier prey.

Pointless complaining to Lowlifes, it will only give them a delusions of grandeur and make them think they are making a difference in the world. You could if you wish complain to Sky, but I fear that, even that will be about as much use as indicators on a submarine.

If you ignore a claim form, then yes they'll get a CCJ by default, but you're not going to do that. You've told them how it is, and as DX say's, yours isn't the next move, it is now up to them to provide the evidence that you owe this. If you want to be pro active then start a complaint with Sky, and have them account for their actions and why they think it is acceptable to farm out customers information to tin pot clown outfits accusing you of owing money.

You are miles away from a CCJ in any case, it wouldn't even get to court. You've done everything correct so far. Don't engage with the clowns over the phone OR email, keep everything in writing....these losers only go after the less well informed, as soon as you dig your heels in they slither back under their rock.

Appeal sent in the post today, simply stated that I do not believe that evidence provided surrounding the suicide attempt, mental health and medical history have been explored or taken into account, and is a direct result of service. Start the ball rolling.

Put in a 'further claim' for ''Head Injury'', as this is what I was MD'd for. As expected, they refused my further claim. In their own words; ''There is no evidence to confirm this injury, illness or condition was caused or made worse by your service''. The decision is made by a medical advisor, and is clearly a standard template response. So I have 12 months in which to send them my appeal, it will be done sooner than that I should hope! I will point out the evidence to them again in my appeal, but am pretty confident this will go all the way to tribunal.

You could send the little darlings the SB letter in the library. If one of the clowns does turn up at your front door again, film them on your phone and tell them to disappear before you call the Police 101.

Have they now sorted the issue? What outcome do you want? I'm guessing you no longer use them? Apart from an apology and correcting the matter, I doubt there is anything else that can be done. Yes your irritated by the lethargic attitude of SP but what other outcome do you realistically think they can provide?

Send them a SAR, its free. Then you can start making informed decisions on how to move forward. Who has used the word fraud? You or the DWP? As has already been mentioned, you can ONLY pay what legislation will allow.

You need to remove those letters ASAP. It has your address full name and account details. You need to redact everything you post up. Having briefly read over your letters, it's far too emotional and won't get the outcome you wish, no one cares you work 60 to 70 hours a week, or that you do mathematics on a daily basis. Vote with your feet and switch companies.

Ignore them until they send you a computer generated threatogramme. Check your credit file too.

Have you been receiving a statement of account every year telling you what you have paid and what the balance is that remains? So £10 a month for 17 years would be about £2040?? How on earth have they not flogged this off to a DCA is incredible! This is a non priority debt, so you can knock em down to £1 a month if you wished. The outcome of doing so might push them to flog it on to a powerless DCA who can do absolutely nothing except beg you for money... When did you take the card out? Have you requested the CCA at all?

And here is their reply...... Didn't put up much of a fight, never mind. Horizon Cancelled.pdf

IMO cancel any payments you have set up with them NOW. AFAIK you only have to give them 30 days notice to cancel gym memberships, not three! If you have been paying them by direct debit then use the DD guarantee and reclaim ALL of the increased membership fees you paid that you were unaware of. And you have to chuckle at their lame attempts to intimidate customers, ''We will pass it on to ARC and add more unicorn tax to your non existent fees''. Clowns! A debt collector has less rights than your neighbours cat, silly fools.

Have a loan with Tesco which is SB, they've been told this, but claim because I have been in contact with them previously this resets the clock and in their eyes isn't SB. All was quiet until today when received a statement of account. Is it normal practice for them to spit out these SOA even though it is SB?

Letter sent, and emailed a copy too.

Dear Horizon Parking, Ref PCN xyz. I will bring to your attention that this invoice is not compliant with the Protection of Freedoms Act, as you fail to state that the keeper will be liable if the driver does not pay. In fact you fail to mention the Protection of Freedoms Act anywhere in your invoice. I will also draw your attention to the following; The government Code of Practice, set up under the Parking (Code of Practice) Act 2019, states in section F.3 Appeals: "In considering appeals parking operators must recognise the following as mitigating circumstances warranting cancellation of a parking charge, subject to evidence being provided: e) where a Blue Badge has not been displayed but the holder of the Blue Badge supplies a copy of the Blue Badge they hold that would have been valid at the time and in the circumstances identified in the notice of parking charge i.e. that the holder was in the vehicle whether or not as the driver)" One of the occupants of the vehicle was in possession of a blue badge when the vehicle was photographed. A copy of which has been enclosed. I have no intention of informing you of the driver, nor is there any legal requirement for me to do so. So as the registered keeper there is no reason to pursue me and I would suggest that you cancel this invoice. I look forward to your timely response. Regards. I think this will be the final draft...

Check your credit file. When did you take this card out? What was the total balance on it? Have you reclaimed all late payment fees and charges? You should be getting a 'statement of account' at least every 6 months which will tell you the state of the account, how much you've paid in and the current balance outstanding. They have stopped all interest haven't they? So you requested the CCA via email? STOP corresponding with them via email, you need to have a paper trail of evidence and everything must be in writing, this is how they run rings round their victims. Have you shown anyone what they have sent you?

I think that boat has sailed, you've paid him, so unless the work he carried out is defective in some way, I don't think you have a chance of reclaiming the extra £60. The time in which to argue the cost was when you went to collect the item.

Well IMHO a quote is what you will pay for the work carried out, as opposed to an estimate. But without seeing exactly what he stated in the email, it could be either.

What is the debt? Credit card, overdraft, loan? How much are you throwing away to AIC each month? How did you request the CCA, in writing or over the phone? If you requested the CCA in writing and AIC palmed you off with that statement then STOP PAYING. What does your credit file say about this, and any other, debts?

And have you already paid?

Dear Horizon Parking, Ref PCN xyz. I will bring to your attention that this invoice is not compliant with the Protection of Freedoms Act, as you fail to state that the keeper will be liable if the driver does not pay. In fact you fail to mention the Protection of Freedoms Act anywhere in your invoice. I will also draw your attention to the following; The government Code of Practice, set up under the Parking (Code of Practice) Act 2019, states in section F.3 Appeals: "In considering appeals parking operators must recognise the following as mitigating circumstances warranting cancellation of a parking charge, subject to evidence being provided: e) where a Blue Badge has not been displayed but the holder of the Blue Badge supplies a copy of the Blue Badge they hold that would have been valid at the time and in the circumstances identified in the notice of parking charge i.e. that the holder was in the vehicle whether or not as the driver)" One of the occupants of the vehicle was in possession of a blue badge when the vehicle was photographed. I would therefore request that you cancel this invoice, and I look forward to your timely response. Regards. Any better? I mean, they've very graciously given me 28 days to pay......!

Dear Horizon Parking. RE: Parking charge notice xxxxxx I wish to appeal this invoice, whilst it was issued for ''Parking in a disabled bay without clearly displaying a valid disabled badge''. The parking charge notice is not compliant with the Protection of Freedoms Act, as you fail to say that the keeper will be liable if the driver does not pay. One of the occupants had a blue badge in the vehicle at the time of parking, I will draw your attention to the following; The government Code of Practice, set up under the Parking (Code of Practice) Act 2019, states in section F.3 Appeals: "In considering appeals parking operators must recognise the following as mitigating circumstances warranting cancellation of a parking charge, subject to evidence being provided: e) where a Blue Badge has not been displayed but the holder of the Blue Badge supplies a copy of the Blue Badge they hold that would have been valid at the time and in the circumstances identified in the notice of parking charge i.e. that the holder was in the vehicle whether or not as the driver)" I would therefore request that you cancel this invoice. I look forward to your timely response. Regards.