Dear Forum, I am after some advice and I hope you can help. I accidently parked in a disabled bay, I was actually with my Mum who was unwell at the time but it not medical classified as disabled. The car park was privately owned. I have been told that unless the parking company has photographic evidence then it is very hard for the company to claim this money from me. If I simply deny it and say that I wasn't parked there how can they prove it unless they have a photo. What are your thoughts, shall I ignore it? All our help is most appreciated. J

Hi guys Can any of you help me out, I have my court proceedings transferred to my local small claims county court, and I have my date through. What exactly do I have to send to the court pre-hearing date? Do I have to send all communication to and from Barclays? or just the schedule of charges? Your help is very much appreciated. J

PS This is for a credit card

Thanks blacksheep, sorry for me being so dumb regarding this, im struggling to get my head around the difference between 8% APR interest and contractual. Basically I have £484 of charges plus £70.71 *% APR Interest, totalling £554.71. Where exactly does the contractual interest come from?

Dear All, Well I am up to my 2nd stage of requesting my charges from CapitalOne. I have incurred both late payment fees and also overlimit fees? Can I claim for both? Secondly, can someone be so kind to confirm what interest I should request at this stage, if any? Thanks for your help James

Hi it has been coming up to 5 weeks now and Barclaycard have not responded to my Subject Access Request (SAR). Are there any others out there experiencing this, and if anyone is so kind, could you please share a letter template. Whats next in the process if they dont respond within the time, frame? Thanks for your help James