hi and thank you for your replys, stupid situation down my street, it is the only street in the area where you do not need to get a parking permit so it fills up all the time and fast where the neighbouring streets are left almost empty. knowing full well i was leaving for work at 6am i chanced it on one of the residential parking streets as it was practically empty. this was down a side street in central reading warden got me at 5:30am but obviously did not have his weetabix..

Hi there, I was hoping to get a bit of advice on a PCN i have received. I was just trying to pay it and realised that it would not accept my number plate with the PCN number because the 'Civil Enforcement Office' has taken down my reg incorrectly. I have seen on a separate post that the lady was advised to ignore the PCN. I am not sure of a couple of things so was hoping you would help me clear it up. a) I am not sure if they have taken a photo of the car or not, where do I stand on the PCN with this? b) The PCN states the correct make of the car and also states my Tax disc number correctly, again, where do i stand with this? Hope someone can help answer these points! Cheers in advance, James

just wanted to say a huge thank you to everyone who has offered me advice with my claim, the money is now in the bank (almost had a heart attack when i saw my balance!!) i have donated to the site as a small thank you, hope you all help many more people as time goes on! thank you once again

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thank you for your advice, one more thing i forgot to mention was the payment part, what is the best practice for this? post a cheque in with the form or visit the court and pay over the counter? i am not sure why i put a) down, been a long day but i didnt do that, only bit i put in on the AQ was the "matter of fact and not law" section of my previous post.

stupid question, i notice the link to the n149 form in pdf format.. can i just fill that in on the computer and print it to submit to the court or do i need to use the proper document provided in the defence pack? had a good read of the other thread, from my understanding i now need to do the following a) fill in the AQ form including reason as to why this should be done as a fast claims track b) attach draft order for directions to AQ c) send both off with £100 for my claim (it being £2500ish) d) wait for the judges decision then send off the 4 sections to my draft order to both the court and the defendent.. e) wait for court date and cross fingers? anything missed? ty in advance just a quick amendment, here is a copy of my text i have used for the "other information" section of the AQ again, have i missed anything and is this sufficient:)

ok, i've had a quick look at the links, the AQ does not look to painful, just got to wait for it to land on my doorstep Many thanks again, will get that form sent off asap

just a quick update, i am still about, lloyds have just lodged a defence, am still to receive paperwork from the relevant court, not sure exactly what to expect now and i'm feeling nervous, any key info i should know about at this moment in time?

yep claim started, got to wait till jan 2nd before doing anything i believe, if its not going to make any difference i wont bother no point killing a tree for sake of it! ty again!

i have finally got a generic reply from Lloyds (http://www.lillystone.co.uk/bank/letter.gif), it states that these are not penalty charges but are infact fee's of service, as a result they will not be refunding these 'service charges' back to me. now is it worth me replying to this letter stating my intentions of pursuing this in the courts or do you think it is wiser not to? am thinking a short letter saying that "i do not agree with the use of the term 'service charge' and unless they want this to go to the courts then to refund these charges asap" might be in order but being the nervous one i am unsure as to where to go with this..

ahh got ya, again many thanks!

right, the claim has been issued by the court now (can only be good i guess) but it says the bank has 14 days with which to reply, the issue is that would put it at the 28th Dec.. now do i count the Christmas period into the 14 days or would it just be safer to wait till jan 2nd before i continue?

thank you for the advise, the claim has been saved and is ready to send off wednesday morning! back to waiting i guess!

just a quick one.. on the link you have kindly provided me it says to stop unless i have sent off a list of charges and o/d interest.. well i only sent the charges and not the o/d interest, have i shot myself in the foot there or can i still claim for interest?

heh, too true! ok i think i have got a couple more days before my 14 day period is up so i guess i should file it on Wednesday evening, thanks again!

ok so almost 14 days since i sent the letter, i have had a generic letter back from lloyds stating that they will address my complaint within 2 weeks from a kerry parfitt (customer services recovery) should i be waiting for them to reply to my letter properly or have i given them enough warnings to start court procedure? apologies if this seems a stupid question i would like to optimise my chances for success as much as poss!

many thanks will keep everyone updated, had a good read of other threads so i think i am ok for now.. altho a bit info overloaded mayby.. just so i am clear i should now leave it 28days before proceeding with a claim?

valid point about the personal details, *removed* so far i have sent a letter asking them to detail charges levied against me in the last 6 years, after recieving those this is my second letter to them, i will await a reply before progressing to court proceedings

firstly big thank you for all the information avaliable on this website (it has become a bit of an overload today mind!) i am now currently at the stage of sending off my letter demanding settlement i have used the templates to detail my charges (http://www.lillystone.co.uk/bank/letter2.htm) and to create the demand letter (http://www.lillystone.co.uk/bank/letter1.htm) i have sent the letter to lloyds head office via registered is there anything else i need to do at this moment in time? thanks in advance