Thanks, Not quite sure how to upload pictures to here? I still haven't recieved my NTO. The PCN was issued in May but the council did state making informal appeals would delay the NTO being sent, so Ive given up writing and will wait to make an official appeal when i recieve this. Ive amended my appeal letter alot and have mentioned 8.38 The vehicle owner’s copy of the PCN should be fixed to the windscreen, so it must be weatherproof or able to fit a weatherproof envelope. It should be fixed in such a way that it cannot easily be removed by wind or passers-by.

The times do tally up as the PCN is before the photos were taken. The PCN was placed under the wiper and wasnt sealed. The envelopes just have a slit at the top. & i was on my own at the time, so no witnesses

Ive accessed the photos online, on the Islington Council website, as you say the images are taken from a distance, I have zoomed in to see the envelope is transparent and there is no clear sign of a PCN, so I will definatley mention that.

Hey, Thanks alot for your help with this. Im amending the letter now. Il upload a picture of the envelope later on today. Thanks again

Hey, thanks for your help. The pictures were taken over the PCN was served (or not served in my case) - Its Islington Council, its the green plastic envelope but transparent, I cant zoom in, but whether it was there or not it wasnt when i returned to the vehicile. Ive drafted this letter to the council for when i recieve my NTO: I am writing to formally appeal the above PCN. Firstly, I am aware now that I had parked in a business bay N, at the time I thought I was parked in a resident bay N, but since the incident I now understand that I was parked illegally, there are several mitigating reasons which I hope you will take on board when considering this appeal; On the day of the parking contravention Thames water were carrying out maintenance on water mains which resulted in several bays close to my house, which I usually parked in without any problems, being suspended. This may seem irrelevant, but on the morning when the above PCN was issued the parking spaces near my house were limited, I therefore chose an unfamiliar place to park which was in the same letter as my parking permit but I wasn’t aware that it was a business bay. I am aware this was my fault, however, if the work wasn’t taking place I would not have had to use an unfamiliar parking bay and there would not have been suspended bays on that morning. May I suggest that, in future, more bays are provided when there is works which result in bays being suspended. This wont effect me as I no longer own a car but it would be useful for fellow vehicle owners. Also when I arrived at my car, I saw the envelope on the windscreen of my vehicle but when investigating the envelope there was no PCN attached inside. I am also aware that this is not your fault but its also not my fault either. I was yet to receive or see sight of a PCN until the notice to owner was sent to me on ****. Therefore, I went *** days without seeing sight of the PCN, which is supposed to be served to me in person or placed on the car. Since contacting the council to obtain the PCN number of the PCN, which wasn’t attached to my car, I have written several informal appeals to Islington Council which have been rejected. I was disappointed to see that the opportunity to even make a discounted payment of £65.00 was withdrawn on the 22 July 2011. I am aware I was told this in a letter dated 4 July 2011. But since then I wrote a letter on the 6 July 2011 which further appealed my PCN and requested certain information relating to my PCN, therefore I was waiting for a response to my letter before taking further action or paying the PCN. I wrote my letter on the 6 July 2011, which was also faxed to you on the same day. Islington Council replied to this letter 20 days later on the 26 July 2011. Therefore, I do think it is unfair to remove the opportunity to pay the discounted price, especially when the secretary of state’s guidance to local authorities on the civil enforcement of parking contraventions ‘suggests that authorities should respond within 14 days’ to any representations. Taken into account the above and given the fact ‘An authority has the discretionary power to cancel a PCN at any point throughout the CPE process’ I request that my PCN is cancelled. Please find attached several documents to support my appeal. I look forward to hearing from you. Yours sincerely

Basically, I have a zone 'N' resident permit but was parked in a zone N business bay - Thames water were doing work so the bays around my area were quite limited, but I thought I was ok to park there as I saw the N (didnt notice the Business bay part . ) So the car had been there a few hours.

Thanks for your help. As i said I havent got a PCN as it wasn't attached to my car. Il wait to recieve the NTO. G

Any advice as to what I can put in the appeal?

Ok thanks, going to appeal when I get the notice to owner. Got nothing to lose.

Ok, so even If i make the same appeal again when I recieve the Notice to owner I will then get it discounted? (if they reject the appeal)

Hey, They do have pictures. I called the council once I saw the envelope, got the PCN number over the phone to appeal it. Havent recieved a Notice to owner yet. G

Hey everyone, Title says it all really. Have been writing several times now to the council and now they are basically saying the PCN was issued correctly, its not their fault if it was removed once the warden left and im now not even being offered the discount to pay they want the full £130.00 . Envleope attached but there was no PCN insude. Anyone have a template I could use (although I have sent several letters now) or know the law regarding this? Any help really appreciated Thanks in advance G

Thanks alot for your posts, very helpful thank you. I will send the letter on Monday and see what they come back with. Re Complaining about MCS passing on my details, Is there a template laying around for this kind of complaint?

Hi Everyone, Basically i have quite a large debt with HSBC and they havent been able to come up with the CCA since June so i placed the account in dispute, I wrote countless letters to CDRU and Metropolitan collection services and my last letter to MCS basically said the accounts in dispute and i wont be having any more contact until a CCA is given to me. Then i get home yesterday and MCS have passed the debt on to wescot! so i phoned wescot just to let them know the accounts in dispute as there is no credit agreement to which he replied, 'its not that simple mate' but i went through it all and had quite a heated coversation and in the end he said ok yes your right please write to us. Can anyone help me on where to go from here? As to what letter to send wescot? I have written this one below but not sure if it will do the trick? Would appreciate your help. I refer to your letter dated 13/1/10 which you sent me last week, in which you advise of your intention to start legal proceedings and also demanded full payment. I am sure you are aware it’s against OFT regulations to chase a debt that is in dispute and to ignore a query. Should you take me to county court I will be telling the judge that you ignored the dispute and several of my letters. As you are aware, this account and the balance thereof is currently subject of a dispute. I can only assume your letter has been sent in error, as you must surely be aware that action such as that you propose would constitute breaches of the banking code. This matter has been discussed in correspondence with your clients. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies: * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party – Which MCS has now breached! * You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I trust your client is committed to upholding the standards of the Banking Code to which it subscribes, and would not hold its regulator, the FSA, in such contempt as to ignore the 6th July statement. I will allow you 7 days to reply to me withdrawing the threat of action imposed in your letter. If you do not do so, I will draw your client’s transgressions to the attention of the Financial Services Authority and the banking code standards committee, by making formal complaints and enclosing copies of all correspondence. Yours Faithfully, Thanks in advance. G

They also say 'further legal proceedings will be instigated and that il be charged with costs and interest

Hi, I posted this a couple of weeks ago: Hi, CRDU have been passed my loans from HSBC. They have merged them all together into one account but one of the loans is in dispute as HSBC couldnt provide me with a credit agreement. I have wrote to CRDU a couple of times now explaining this. One response was basically, your wrong pay up and then i sent a letter saying im happy to set up an arrangement as long as they pay the money into the other two debts rather than the debt thats indispute. They didnt even respond to this letter. So i have decided to send them account in dispute letter again today and not pay up at all, as i dont want any money i pay them to go into my account in dispute debt. Is this the right thing todo and has anyone else got any advice? Basically because one of the loans doesnt have a credit agreement i wrote to them and told them im happy to pay in installments as long as the money went towards the two loans that arent in dispute. I got no reply from this so i sent them the letter saying the account is indispute. Today they sent me a letter saying they are enforcing my orignal agreement and demand full payment of £7000 (the merged amount) within 48 hours. I have no idea what i can respond to this?? Also my account is with Metropolitan collection services one week and CRDU the next, surely this is professional misconduct or something? I have the letters to prove they keep passing it around. Looking forward to your response Thanks G

Hi, CRDU have been passed my loans from HSBC. They have merged them all together into one account but one of the loans is in dispute as HSBC couldnt provide me with a credit agreement. I have wrote to CRDU a couple of times now explaining this. One response was basically, your wrong pay up and then i sent a letter saying im happy to set up an arrangement as long as they pay the money into the other two debts rather than the debt thats indispute. They didnt even respond to this letter. So i have decided to send them account in dispute letter again today and not pay up at all, as i dont want any money i pay them to go into my account in dispute debt. Is this the right thing todo and has anyone else got any advice? Sick of writing them letters and trying to get something sorted or made clear and all i get back is some standard response.

Hi Tom, Thank you for the quick reply. I will call them tomorow. When i fill out the Declaration what will i need to make clear? Im worried they will come back and say i should have informed them of my new address. I did inform the DVLA straight away. And when my old flatmate told me i was getting bailiff letters through to the old address i called them and said i dont live at that address anymore and the bailiff just said ok thanks and hung the phone up. Since then i havent heard anything. But i know the fine is pretty high cause the bailiffs obviously called at the previous address a few times (when i had moved out) before i informed them that i had moved out. Thanks for your help Gary

Hi Everyone, I have a couple of Congestion fines from 2007. I have moved address and lost contact with the Bailiffs, i never recieved letters at my new address( even though i registered my car at my new address) they also kept going to the old address and sending letters there. Last time i checked one of the fines was £400+. I was just wondering (if or when i get caught) Can i come to a weekly arrangement of pay or will i have to pay the whole amount.I know with council tax you can pay in installments but i havent read that you can do this with PCNS. Thanks in advance for your replies

Thank you so much for this Jogs! Il be adapting and sending tomorow. Will keep you posted, Cheers:)

Hey, Thank you for posting that. This is the letter i already sent to HSBC. And the response i got was this : I would like to clarify that the absence of any loan agreement does not render the contractual relationship between HSBC and yourself as unenforacble. You have had the benefit of monies withdrawn under the credit agreement and these remain lawfully due and owing to HSBC bank Plc. HSBC will exercise its right and proceed to recovery of the same and will contact credit references agecnies, as it is entitled to do so. So basically i sent that template saying the account is in dispute and they replied and said no it isnt and refused my requests. So im not sure what to send them now? Thanks for your help everyone Gary

Ok thank you

Thanks. I have already sent the account in dispute letter and HSBC replied saying: I would like to clarify that the absence of any loan agreement does not render the contractual relationship between HSBC and yourself as unenforacble. You have had the benefit of monies withdrawn under the credit agreement and these remain lawfully due and owing to HSBC bank Plc. HSBC will exercise its right and proceed to recovery of the same and will contact credit references agecnies, as it is entitled to do so. So what do i send now please?

Hi Jogs, Have you found the template? Hoping to reply to HSBC this week