Hi all, I'm about to enter into an IVA. I have several thousand pounds of debt owed on my Virgin credit card and as a customer of Virgin Media, I am concerned that they may try to recover the debt through that account somehow (e.g increasing the direct debit) Does anybody have any thoughts / experience / advice on this? Thanks in advance.

"penalty" was the wrong choice of word by me. It actually says : Parking Charge Notices will be issued for the following : - Failure to purchase a valid pay and display ticket within 15 minutes of entry to the car park The other bullet points on the sign are not relevant to my situation. Thanks for everyone's advice. I'll ignore this one and only react to a LBA.

It was a non-display. It was actually my wife. She was 10 mins. I have attached images of two of the signs. One of them says you will be issued a penalty if you exceed 15 mins. So am I right in thinking that I should ignore them until a get a Letter Before Action. The letter I attached on my original post seems to be nothing more than a threat.....

It was a sticky PCN on the windscreen. The Excel / DCA letters have arrived periodically (every 2-3 months) sine Jan 2015, however I'm afraid I do not have the first letter as the missus binned it!

Hi all, I received an PCN form the "Excel" parking company back in Jan 2015 after seeking advice on numerous forums (including this one), the overriding advice was, "ignore them". "If you reply, you're only giving them something to hold on to". I have ignored all of the BS letters from them and any other debt collecting agency they have passed it onto, have now been presented with the next level of intimidation, which is a letter from a genuine solicitors called BW Legal (see attachment). I have, again, done some research on these forums and the general opinion of "ignore them" (for people in the earlier stages of correspondence) seems to have changed to - contact the retailer, parking company and appeal etc - however I think I may be past that stage. The BW Legal letter is quite concerning, however something tells me that it is still another empty threat and after reading many of the replies to similar threads it seems that many others are of the same opinion when they say that this is just a new 'angle' for these companies to take and that I should continue to ignore them until I am actually served a court summons. Any advice is very much appreciated. Thanks Pete W