Added the SCS letter and only just realised that it states not to reply to them but to contact Debt Recovery Plus... Thanks for all the responses!

I received a penalty notice from APCOA back in July (2014). The offence was shown as '05-Parked over two bays'. (My car is the Kia Soul in the photo) Having parked in they spot and in the same way for 12 months and never received a ticket, I was surprised to see one on my screen one evening. I did write to APCOA and attached photos to show that the second 'bay' that they referred to was not a bay, but an old bay that now housed the CCTV camera pole and bollards, and therefore the penalty was invalid. They responded and said they upheld the penalty charge. I called APCOA and spoke to someone, who located my letter and actually agreed that I shouldn't have been fined as it wasn't a parking space. I also looked around online and saw that a lot of other people were having issues with APCOA and their 'fines'. I ignored their letters for more money, and was disgusted when they increased the fee from £60 to £155 because I hadn't paid them. Their letters stopped towards the end of August. This morning however I received a letter from a company called SCS (Small Claims Solicitors) based in Martin lane, London, stating that if I don't pay then their client will consider issuing legal proceedings. Also on the letter, it now states that I had two tickets issued, consecutive reference numbers, both on the same day, for the same car, in the same car park for the same offence - I must be good to be able to do this! They now claim I owe them £310!!! Has anyone else ever encountered SCS before, and should I be concerned? The letter threatens CCJ and attachment of earnings - I didn't think that a parking fine can result in such things? Any advice or assistance would be really appreciated, Thanks - Kaygee

So sorry to hear that you lost the case... we too are suffering at the hands of the Club La Costa ethic of sell at all costs, and surrendered our certificates last year but are still paying for something that we are not using.... wish we had never even heard of them now... I wish you the best

I would be really interested to see if anyone has been successful at claiming back the PPI from GE Money that was missold by CLC at their hardsell presentation? Also we were not offered the 14 day cooling off period - was anyone else? It was sign sign sign in the presentation and nothing about cooling off... any updates would be great as we are going to start looking at the claim in the next few days - thanks

By the way happyhamr we put the name of the Insurance Company (I think it was AOW) into section E3 - I hope we were correct!

Hi everyone, We are new to CAG but have found the information here invaluable - thank you everyone. Our Picture Loan PPI was totally mis-sold to us about 4 years ago, we were pressurised to take the PPI cover (won't get the loan without it). I discovered the reality of the situation last month when I looked into covering the loan in with our standard Life Insurance, but when I called Picture (now Target) the advice that I was given was basically that it would be a waste of time cancelling their PPI as it only had a year to go and we were going to have to pay for it for the remaining term of the loan, which is another 6 years..! Talk about flabbergasted - a 5 year PPI on a 10 year loan, I never believed that we could ever have been so stupid So thanks to CAG we investigated more, and realised that we are not stupid, we had just been kept in the dark, and only told what they thought they wanted us to hear so we would take the loan. Well our initial questionnaire was completed about a week and a half ago and we sent it off to FSCS. They must have been really on the ball, especially as the banks had just lost their appeal for PPI claims, and the Deloitte questionnaire arrived yesterday, and was completed today... so the countdown begins. Does anyone have any advice/situations/further details that they can give me as to what to expect over the coming months? Good luck to everyone who is in the same situation.