Can anyone advise on the validity of an imposed charge for a home visit that was not requested or agreed. Carried out by Barclays/Woolwich mortgage company, and appeared to be a cynical effort to apply charges for no benefit to either the lender or the borrower. Thanks .

Hi guys, im a newbie to this so please have patience. After falling victim of the parking eye and having had a little read around i was wondering whether you can offer me some advice on a query i have. Basically i had overstayed in a free private car park owned by parking eye for an extra hour. I wanted to know if on the photographic image they send with the PCN, if it shows fairly clearly who is driving the vehicle can this be challenged or ignored or will ignoring this be used as evidence and get me into more trouble??? Any help would be appretiated as you will all understand an extra £50-£80 does make a hell of a difference and i would rather have it spent on my family than just have it thrown away like this. Thanking you all in advance for your replies.

Can anyone please help, my dad parked his car as normal in the local swimming baths and there was a sign on the meter saying out of order so he did not pay and display, when he returned to his car there was a parking charge notice from total parking solutions stating that he did not pay and display and there was a £40 fine to pay, when he went back into the swimming baths they told him that if he had fully read it that it was only this one that was not working and he would have to the fine, yes he should have read the notice fully but i have read about not paying total solutions fine, i have checked with the leisure centre and they have said that it is there ground by the machine and tickets are managed by TPS and it is the local council wardens that issue the tickets, does this make a different, thanks

I received a Parking Charge Notice from Parking Eye. The charge is £40 if paid within 14 days or £70 plus Liability for other charges if not paid within 14 days. I parked on an Aldi car park in Rochdale where you are allowed 90 minutes free parking. I was delayed slightly so I actually parked there for 100 minutes so I was 10 minutes overdue according to there information. They sent me two photographs. One showed my vehicle entering the car park at 18.43 and another showing my vehicle leaving at 20.23. The date and time were not stamped on the photographs but typed above them. My argument is that the Aldi store closes at 20.00 so. At 18.43 when we arrived the car park was only say 25% full and when we left there were no more than four cars left on the car park. I was hardly using up a valuable customer parking space. How can they justify charging me a minimum of £40 for 10 minutes on a virtually empty FREE car park?. If the parking fees were say £6 per hour then if anything I should be liable for a £1 excess. I have read a few posts that say totally ignore the letters from Parking Eye and as yet I have ignored them. According to their demand, I have until the 6th of June to pay the charge. I have always had excellent credit and wouldn't want to damage that in any way. Thank You

Hi - sorry if this is repetitive to what has already been written but my case a little different to parking longer than allowed. I parked in a Disabled spot at a Shopping Centre and distracted with my 87 year old mum, forgot to display Disabled Badge. Came back to a PCN on window. Having a quick read and not wanting to upset Mum, thought I would just appeal, as mentioned on rear of notice. However, when going into their website/appeal, I got this message: The resource you are looking for has been removed, had its name changed, or is temporarily unavailable. I then went into their 'Contact Us' link and emailed them to ask how I appealed. I gave my name and email address but did not quote the PCN No. etc. It was then I started to google and research, finding this forum with the Ignore, Ignore, Ignore advice (then some maybe 'Do Not Ignore advice). Meanwhile I received a reply from a 'Tito Ponzetta of TPS' giving me an alternative website address to appeal to: 'For appeals please visit parkingappeal co uk (I've written it in this format as I am not allowed to post links) and enter your vehicle details'. So firstly, have I made a mistake by giving them my name and email address? Should I follow through and make the appeal about my Mums Disabled Badge? Or should I now ignore? I am a little confused after reading that some feel it is best to enter into a dialogue with them in case of new legalization. Thanks for taking the time to read this.

Hello CAG I am looking for some advice in matter of dealing with BT. I have cancelled BT's services (land line + BT Broadband Option 1) in April 2012. Cancellation went through. During a phone call conversation with BT Cancellation Team on 13th April, I was told that I've exceeded monthly data allowance in Feb2012. Therefore a charge of £35.00 would apply, BUT as it was my first time of exceeding the allowance, I would NOT be charged the penalty fee. To my surprise the consultant confirmed the withdrawn of mentioned penalty fee. To my even bigger surprise the mentioned fee appeared on y final bill. I called customer services and booked a call back, as all lines were busy. Never heard from them. The next day I logged on to BT Chat service. As a result the consultant listened to the recording of my cancellation phone call from 13th April 2012 and was asked by me to contact me with the outcome of that. Absolutely convinced that her outcome will confirm what I said - I have forgotten about the whole misunderstanding and was waiting for amended final bill. How wrong was I! I have received and e-mail response from the consultant I chatted to last week: 'I have listened to the call and can confirm that it is not mentioned that the usage charge of £35.00 on the bill dated 19/04/12 will be waived off. I am sorry to inform you that the charges are correct and will be maintained. If you wish to have the call transcript you can write to the team British Telecommunications PLC, PP M3042 DSAR, Colindale House, The Hyde, Colindale LONDON NW9 6LB along with the cheque of £10.00 for the call and they will send you the call record.' I am not sure what to do next, guys... Since when BT charges for call record? For a strange reason it doesn't seem right...Is it time for an official complaint?I will be really grateful for your advice Many thanks! With kind regards, Alice

I parked my car in a Disabled parking bay in a car park off Wilmslow Road, Didsbury Manchester. I put my Disable Badge on the dash board. When I returned, I found a Parking Charge Notice on the windscreen. Charges payable £50 within 24 hours, £70 if paid within 7 days going up to £117. I have sent an appeal by email (Not giving my address). I feel this is a [problem]. Manchester City council say this company "Stop Illegal Parking" are not registered with them. Any ideas what I should I do next???? Help would be appreciated

I have lived on a boat for 4 years and move all over the country so use my parents address as a c/o for DVLA (you have to have an address for car licence). CP plus sent a charge notice for £80 dated 25th May for an alleged parking incident for my registered vehicle on 19th May of 8 hours at a motorway service area. This letter has the offer of £50 payment if paid before the 8th June, however, wasn't sent out until the 13th June and received/opened on the 15th. I got hold of the letter yesterday. The charge notice shows two pictures of my car(but not driver) entering the services from the motorway and leaving the services by the back service road 8 hours later after I dropped someone off. The timings on the camera are incorrect, and I can prove I was at another service station at the exact time my car was pictured entering the services. There is also no picture of my car actually parked and I have a Wembley parking ticket for the afternoon of that day. I know everyone will say ignore, but I do not wish for my parents to have oodles of letters over the next twelve months. Should I challenge their proof of parking, the timings, or another way of putting a stop to their mailstream??

Good morning, my TA was up for renewal on the 6th June, i had spoken with my LL and we had agreed to renew, last week on the 7th i received a phone call from the new agents countrywide ( who are the parent company of Bairstow eves) my original agents stating that they req £125 admin fee to draw up the TA, i objected stating that i was not willing to pay this, now today i receive a letter from them stating that as we have not reached agreement the tenancy will become a Statutory Periodic Tenancy, what is my position and are these agents allowed to just come up with any figure they dream up for admin fees, previously i had paid around £50

My partner has received a charge notice from CP Plus for parking on their clients property at Roadchef Chester services for 3 hours 17 minutes when the maximum time allowed is 2 hours. It says the charge is £80 but if she pays within 14 days its £50. They have sent her the 2 photos of her entering the car park and leaving the car park, she had met a friend there and was planning on being under the 2 hours but they got chatting etc etc and she forgot about the parking notices up at the services. She was in Costa the whole time she was there and spent money there. Please advise? Any advice would be most welcome! Regards gh0108 (Gary)

I have been served with a "Form of charge for payment of money" from Scott and co for £600 for parking tickets. It says"If you do not pay this sum within 14 days you are liable to have further action taken against you including arrestment of your earnings and the attachment and auction of articles belonging to you" Has this already been to court? Do i have to pay or will they accept a payment plan? I dont know if this is a court form or just their scare tactics, any help/advice would be appreciated. The envelope they delivered it in said "this envelope contains a citation to or intimation from aberdeen sherriff court" thankyou.

I have read a lot about these speculative invoices, and was keep ignoring all these PPC papers, just wanted to confirm something... I parked in a Morrison's car park, which is it states free for two hours but no payment option whatsoever for overstays, just says if you over stay you will be fined kind of statement... I overstayed and surely they started sending me their invoices, which I m ignoring at the moment. This is a Free car park, and no way to pay if you overstayed... My question is, if PE to try the court option in the unlikeliest option, what would be their most likely claim against me, in a free car park with no payment option other than their desired Parking Charge Notice value? Also any court case/reference about free car park with no payment for overstays receiving Parking Charge Notice from these clown PPCs? win/loose/no pursue? Thanx in advance...

Hope this is correct forum We are planning a trip on a weekday soon to the V&A Museum in Kensington. I am slightly confused about the boundary of the CC. TfL's map show the zone as Hyde Park -ish, but I seem to recall that the road is marked with a "C" just over the junction of the A4 and Earls Court Road Any thoughts please?

Hi, I am seeing advice on whether to pay a Parking Charge Notice issued to me by Parking Eye given my particular circumstances. I parked in a private car park operated by this company, bought a ticket for 1hr, but have since been provided evidence that I was in the car park for 1hr 31 minutes, and issued notice of a £60 fine. I have viewed other threads on this forum, as well as on google / moneysavingexpert, and it seems the general advice is to not pay, as the 'contract' is between the private landlord and driver, yet the notice is issued to the vehicle's owner who was not necessarily driving the vehicle that day. Unfortunately I did not know this at the time of my initial response where I confirmed I was driving the vehicle at the time. I am wondering if my admission strengthens their case, meaning it is more likely they will pursue if I choose not pay? Any feedback / advice will be very gratefully received.

Liverpool city council are pursuing me and my husband for unpaid community charges dating from this time 1991/1992.. .. They say a liability order was granted in 1995/1996 AND PUT IN THE HANDS OF JOHN CRILLY AND SONS BAILIFS....... .. I have been in dispute with the council over these claims for a long time me writing to them and them replying through the complaints procedure and out of the blue i started getting letters from a debt collection agency (newlyn) asking for me to pay and i wrote and explained to them that i was still in dispute with the council over this matter and asking the council to provide the liability order.. . After several letters going back and forth not getting any questions answered i have heard nothing since january of this year.. . Out of the blue yesterday a bailiff knocked (rossendales) at our door and said i owe x amount community charge and can i pay it.. ...i told him that we disputed the owed money and had been in contact with the council over this and as far as i was concerned thought it was sorted. He said he would sit in the car contact the council and write me a letter would post it through the door when he had done this it took him over an hour with him sitting in the car outside my front door... .. He never showed me any warrant or liability order and the letter states that hi is going off a liability orders dated feb1995 and april 1996. ..the letter also states i have 5 days to pay the outstanding amount also i must mention i am disabled and am worried that they might take my car...... Can they still do this if they cant show me a warrant or liability order i firmly beleive i do not owe this amount please please can anyone advise me asap thank you

Much to my surprise i recieved a letter today from Roxburghe debt collectors, acting on behalf of Vinci Park Service UK LTD claiming an unpaid parking charge notice of £154.00 the unauthorised parking event is "F- on yellow lines" and took place at Parrs Wood Entertainment Centre back in 25/02/12. But here's the funny part... I was the owner of the car at the time of the offence, I may have even been present at the site of the offence, but I have NEVER received any parking charge notice whatsoever, this is the first I have heard of about the whole thing, which took place 3 whole months ago! I am now being told to pay the £154.00 within 14 days. I am a law-abiding law student, whenever I have had a penalty charge notice I have paid up straight away, so right now I am confused as to what my next steps are, I have just completed a law degree but unfortunately parking charge notices never arose! Do I contact Vinci Park Service UK LTD first, or the debt collectors? Surely I cannot be found guilty of a motoring offence when I haven't been given a warning or any parking charge notice WHATSOEVER? Any advice on what to do would be most grateful, since I only have 14 days to sort it out it seems! Tim

OK, my insurance company or at least the comany they use for collecting payments (premium credit) have a policy where if they try and take payment and they can't do it they charge a penalty of 20 quid. I suspect mine may have bounced, I will find out tomorrow. Are companys allowed to charge extra? It doesn't sit right in my mind. Lloyds won't charge me, so why should they!

Hi we have a mortgage on a 1 bed flat, in dorset. there is a management agency, covering around 30 flats in the block. The fee has gone up and up, and we now wish to challenge them over these costs, we understand that we can , and I quote "An option we recommend is to bring in a specialist accountant to look through historical service charge accounts to check whether money has been spent correctly and whether any savings could be made. An accountant doing so will usually come in on a no win, no fee basis" has anyone gone down this route, obviously, our objective is get some kind of reduction, also, has anyone, can anyone give any similar experiences, outcomes, ? have you used the Leasehold Evaluation Tribunal ? thanks in advance Dave

HI everyone I've got a parking notice from a ANPR camera on a private car park - they're asking for £90 (£75 if paid by the 25th). They have a photo of my car entering and leaving with a gap of 43 minutes between. I've read about the "ignore everything from PCNs" concept, but may have a case for appealing, so thought I'd run it past you before saying anything. Here's what happened. I went to pick up a model (I'm a photographer) from some flats where he lives He wasn't ready - so I pulled up in the car park at the front We went to the security guard's desk to ask about parking - he was not there Because of the parking notice signs, I stopped in the car so if a parking attendant came, I could explain why I was waiting When we finally left, 43 minutes had elapsed. ALSO.... interestingly That night there was a crane washing the windows - its clearly visible on both photos It could probably obscure the camera's view of the car park Anyway - what option would you suggest:- 1 - Pay £75 and avoid the £90 2 - Write an appeal based on the fact I was waiting for someone 3 - Write an appeal based on the fact that the camera was obscured by a crane 4 - Totally ignore everything and the resulting hassle from them Cheers

Hi, I recently received a parking ticket from Manchester City Council. Details as follows: - Parking in a restricted street during prescribed hours - Time: 00:20 (Observed from 00:06 to 00:20) I was told by the flat block I was visiting it that was ok to park in this street as everyone else always did. I arrived at around 9pm and parked in the street along with 7 or 8 other cars. I returned at 7am the next morning to find the ticket, issued at midnight. I then took the photos attached. I feel I have grounds to appeal based on several factors: - Double yellow lines are clearly broken, no t-bar and certainly not visible at 9pm when it is dark (see photos taken in the morning) - No signs or notices saying that parking was restricted in this street - The van seen in the pictures is just one of the other vehicles parked in the street, in front of mine for the same duration and recieved no ticket I am going to put this in writing with pictures attached to state why I feel that the ticket charge should be revoked as for the reasons mentioned above it is invalid. Please provide your thoughts on my case... Thanks Photos taken shown below:

After ignoring a parking ticket by APCOA and a request of £20 for unauthorised parking (did not communicate with them), my mum has now recieved a follow-up letter from Roxburghe Debt Collectors asking for £66. Here's what was in the letter: ------------------------------ Our Client: APCOA PARKING UK LIMITED Total Amount Due: £66.00 You were recently sent a Notice to Registered Keeper to which we have not received payment, or satisfactory grounds for appeal. Please note that in the absence of payment or any valid appeal, we will pursue this matter to a conclusion. In a further effort to resolve the outstanding PARKING ENFORCEMENT NOTICE that was issued against your vehicle, please find listed below the relevant details: Vehicle: XXXXXX Registration No: XXXXXXX Contravention: L03 - PARKED IN AN UNAUTHORISED AREA Contravention Date: XX-XX-XX Location: (In a shopping centre's car park) PARKING ENFORCEMENTNOTICE Number: XXXXXXXX It is in your own best interests to get in touch with us so we can resolve this debt without recourse to further action. If we do not hear from you within 10 days, we will pass the matter to our solicitors, Graham White, who will review your case for potential legal action. ------------------------------ I'm telling my mum to ignore this as well but she's starting to get worried and is wanting to pay up. Anybody here who knows what they're talking about, can give some advice? Should she just continue to ignore? What are the chances of them taking legal action? Has APCOA ever taken anyone to court? Can they sue for anything other than damages? As I know they can't sue for damages because they didn't incur any loss. One more point that I don't know if it's relevant. It was my mum who parked there that day, but this letter is addressed to my dad. Is that enough evidence to suggest that they don't even know who the exact driver even was and so they can't sue us? Thanks in advance.

I hope some one can help - here's a bit of the background to my dilemma I let my council flat to a council tenant via Councils the Private Letting Scheme in 2007 In 2009, it occurred to me that I had not received a Service Charge bill – I went onto their website to see if I could check what was due – and was unable to do so I had no invoice number. I was ill from January 2010 , diagnosed with Cancer Feb/Mar 2010 and admitted to hospital until June 2010. I spoke to the Tenant in June 2010 and was told I had mail from the Council, asked her to let me know the contents – she said it was with regards to Service Charge – I took the contact details from the letter and called the Council to query why the mail had been sent to tenant. The person identified on the letter not available so I gave the person on the phone my current address and phone number …for the person to contact me. I started Chemo in August 2010– until December 2010… Then out of the blue I received letter from the Council in January 2011 threatening Court Action if the outstanding Service Charge was not paid in full…called on the day I got letter – just before 17:00 to query why this action as no bill/ invoice had been received by myself and the amount owed was not stated in letter ….told council was not aware of my address to send information to me to …asked how they had then managed to send this letter to me …was told they had looked for me ….asked how much I owed was told £6000.00.. I was told there was no evidence that I had informed them of my tenant and as such I had let the place out illegally. I found it strange as the tenant had been insitu since 1997 on a 3 year tenancy and her rent was being paid by the council…to the best of my knowledge I had submitted all I was meant to at the time and so did not understand how they could not have contacted me – as they had just done… The person I spoke to was very unhelpful and kept repeating the threat of legal action to which I said okay I’d see them in court….if that was they only way to resolve this 3 things have happened since then 1. I received documentation to obtain an under lease – which I have sent a cheque for £140.00 to obtain 2. My tenants rent has been suspended – without any notification as to why – chasing that tomorrow 3. I have been sent the Court Papers - I would like to go to court to defend myself on this as I never received an invoice/bill. From the papers I see they have also included major works of about £2500.00. I honestly don’t have the emotional strength to argue with the Council and as such would rather an independent person resolves the issues for us . Can someone please advise me on my rights before I send back the relevant documentation to the courts. Thanks Mikita

Hi all, I had a hand delivered letter this morning from a bailiff working on behalf of JBW Group for the fee of £506. It was, to put it mildly, a surprise. I contacted JBW who said that I'd have to speak to the bailiff but they could confirm that the charge has arised from a non-payment of congestion charge from May 2010. I'm not debating the charge itself but this is the first time I've been contacted at all regarding the payment. I recently moved and updated my DVLA information two weeks ago so I assume this is why. However my TFL account clearly has my mobile number, email and previous address - I also had all post redirected following the move. As I said I've had no communication until this morning regarding this debt. I even emailed TFL twice, via their online form, asking to check for any outstanding charges as I wasn't sure at the time if my trip into London had incurred any. I had no reply either time. Perhaps foolishly I paid the amount over the phone before looking on the internet (although it is by a credit card so can be cancelled). I've read up on here about contacting the TEC and filling in the Statutory Declaration Out of Time form (which is coded PE2 & 3). Is this the same as the TE7 forms? However I've not been giving a penalty charge notice at any point. The bailiff said a full breakdown will be sent to me. If anyone has any advice or help I'd be incredibly grateful! Thanks in advance, Adam

Hi, I currently have a Barclays Personal Reserve which is costing me £22 every 5 days in charges. I can't afford to pay it off to get back in the black for another couple of weeks, but according to Barclays website, one can cancel it at any time. Does anyone know if I call and cancel it, will I still be charged £22 a week because I'm over the limit? or will cancelling it stop me from being charged any more? (I appreciate I will have to pay it back eventually, and will presumably be charged interest on the overlimit amount, but I'm trying to minimise the cost until I can afford to do so) Thanks Andy

Hi Thanks in advance for any help. I lent someone a large some of money with a written contract in place which shows that he agreed to pay back the amount when he sold his property. I have only just learnt that he is now at the very tale-end of the sale and that he is likely to receive payment in as little as a week. I contacted him and he told me that he will not be paying me as agreed and that he will pay me later. What can I do? Is there any way that I can 'intercept' the sale so that, for example, the proceeds of the sale are awarded to me OR at least 'frozen' until this dispute is settled? Because the sale is fairly imminent and, as a consequence, he will receive the money shortly (possibly as soon as a week), what urgent action can I take NOW to stop him receiving the money until at least a court or whatever can decide the case? For example, can I get a solicitor to apply for an immediate court order that will/can react quick enough to stop the received funds from going to him before this dispute is resolved? Because I have only just learnt that he is selling the house, there is no CCJ in place or applied for as yet. Many thanks, David