[ATTACH=CONFIG]53821[/ATTACH]Hi CAGers, hoping I can get your advice on how to deal with this PCN. I've had a PCN before but this was years ago and the advice at the time was to ignore them. I believe legislation has now changed and the advice is not to ignore... and that there's something called POPLA? Is that right? Anyhow, I received this PCN for parking in the car park at my local Co-op because I overstayed (by 23 minutes) the stated 2 hours of free parking. There are signs on site stating the parking rules, although they are all attached to post at above head height level. I was aware of the 2 hour parking rule and I don't deny that I did overstay (I got there earlier than planned for a 1pm appointment (better early than late, right?) and it took me longer than anticipated to get back to the car) but I don't think £90 is a fair or appropriate fine for a fairly short overstay and I'll be damned if I'm going to pay these extortionate fees if I don't have to. So, gentle CAGers, please advice me of how I go about appealing this and what this POPLA thing is please? Am attaching a .pdf of the PCN letter. [ATTACH=CONFIG]53816[/ATTACH]

Hi, I parked in a Civil enforcement Limited car park in February 2012 and didn't realised I had over stayed the allocated free parking time. The system was fairly new also and I didnt know that the pay machine was in the entrance to the downstairs supermarket as there are virtually no signage detailing what to do. They sent me a fine, to which I researched on the internet about what to do. All advice was to not pay, and send a letter to same effect. i did not admit I was the driver as advised online. I had one more letter then nothing more until last week when i recieved a court summons (N1) for breach of contract. The amount is £165. I dont know what to do now. I can't afford that or need the black mark on my credit. I tried calling CIvil Enforcement Ltd but the number on the claim form and internet are not working. Either saying the are not recieving calls or wont accept my PCN number. I have until the 28th of July to respond. I only just picked up the letter as I am living away from home while our communal roof is being fixed so I need to send something today or they will pass judgement on me as detailed in the letter! Many thanks K Hardy

Hi I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA. This morning a letter from Moriarty Law came informing they intend to take court action... After I stopped laughing I did a little digging and have found the following... The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office.. . Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd. So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm...... Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice... Does this mean that this investment firm have broke the law/ need reporting or what? Never had dealings with this firm or come across them before so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

Hi All I got a PCN from Civil Enforcement Ltd, to which i sent them a letter refusing their specuilative invoice and also informing them that I wasn't sure of the drivers identity, as many people have access to this vehicle. They have rejected my representation (see below) How should i proceed? should I send a further letter to them or go down the POPLA route. Many Thanks EOS 5D

A short while ago my partner's son 'B' who lives with us had an 'incident' on the road where a driver of a vehicle in front of him alleged that B's car had gone into the back of him whilst slowing for a zebra crossing. B denied this and told the driver that his car was stopped and what had actually happened was that the driver had allowed his car to roll back into B's car. B got out, spoke to the man denying any liability, took pictures, showed there was no damaged to either vehicle and thought that would be the last of it. A short while later B's insurance company contacted him by telephone to say they had received a claim. B denied any responsibility and sent in the pictures he had taken - apparently the driver and his passenger were claiming for whiplash and all sorts. Amazing when they was no damage to either vehicle and the impact was less than walking pace. Anyway despite the evidence and denial B's insurance company advised B they would be settling a claim against B for labour and paint costs to repair a bumper and produced a quote from the other party's insurer which states no parts required, repairs and paint only and totals £380 plus VAT - no further reference to a personal injury claim was mentioned. B protested to his insurance company stating that there was no damage and he still believed that the driver rolled back into him rather than the fault being his. B also stated the driver's attitude at the time was along of the lines of: "you are a young driver, you're inexperienced, who do you think they are going to believe" B also stated that the driver was Nigerian and when B asked to see his licence (B had produced his on demand to the driver) he told him that he was able to drive on his Nigerian license indefinitely in the UK (which may or may not be true) and he didn't have it with him. Many phone calls later to B's insurance company and they carried on and settled the claim without any agreement from B - I spoke to them myself and they were truly appalling in their telephone manner and responses. The claimant is an NHS Trust employee with a lease car supplied by the NHS Trust he works for - I know how this works as I used to have an NHS lease car. Anyway we had thought it was all settled and this year B went with a different insurance company and swallowed the loss of a NCB. However B has now received a letter from Linkfield Loss Recovery Services which appears to be a claim for the other party's excess of £100 I told B that if these jokers contact him he is to say nothing other than 'Everything in writing only' and refuse to give any information or do any 'security' checks - he understands that fully. What's odd about this letter is that it names the Client as the NHS Trust and then goes on to name the driver but the claim is for the excess and the letter states their client's claim is in respect of uninsured losses which consist of the £100 excess. Firstly I need to know if this company can claim the excess back in this way and if B is liable to pay it? I'm guessing Linkfield Loss Recovery Services are nothing more than a debt collector so powerless in every way but I want to be sure. Company details from their letter head below: Linkfield Loss Recovery Services Ltd Linkfield House 1 - 3 Linkfield Corner Redhill Surrey RH1 1YZ

Hi, We moved out of our flat which was run by Urban Development Projects Ltd. at the end of August and have been waiting to get our deposit of £650 since. I have been chasing our first point of contact who said that they have been busy with a music festival (I know) and that it would be done 'soon'. We finally got a quote from a company by the name of Urban Moor Construction Ltd. with a quote for £648 to: Re paint areas to rectify scuff marks and damaged plaster work £365 This was literally a hole in the plasterboard which we had replacedbut not skimmed over. I more than expected deductions for this but not this amount. There was also a few marks in the bedroom which needed painting over which were behind the wardrobe so we didn't see them until it was too late Fill, sand and polish kitchen work surface where hole has been drilled £85 We had a space for the washing machine under the kitchen side but the plug socket was way too far under the sink, so one of the handymen on site drilled a hole through the countertop so that we could plug it in where the microwave goes Deep clean flat ready for letting £90 There was a bit of soap in the soap pan and a small amount of buildup on the shower head which we didn't see. I had a look at the company who quoted this (Urban Moor Construction Ltd.); their logo was very similar to Urban Development's so I searched them both in Companies House... Lo and behold, they're both registered to 51 Selby Road in Leeds! Has anyone ever heard of a company doing this before? I can assure you that there definitely isn't £650 worth of repairs there so I feel as though they're trying to make a quick buck off of us. Oh... Just had a very patronising phone call off of Marc, the MD. He said that if we take it to TDS, they will look at the pictures and throw it out and then he called me a d*ckhead. How lovely. Luckily the call was recorded.

We were near Robin Hood Airport when our car started misfiring. Turned off the main road onto the airport approach roads,to avoid the traffic, and pulled up on double yellow lines. Normal practice to clear the misfire was to turn off the engine, leave for a few seconds and then start up normally without problems. While parked on double yellows a white van pulled up behind us. Six days later I received a Parking Charge Notice from VCS Ltd. This was the first we knew about it. It shows pictures of the car and registration number with a time lapse of 13 seconds. I'm the registered keeper but wasn't driving at the time. I've read through the forum and the general advice I've seen is just to ignore all letters from this company. Is this the best course of action or should I write and tell them the car had broken down ? Thanks in advance.

Hi I keep on getting letters from Arrow Global for a defaulted 02 account I got into difficulties due to me loosing my job back in 2011. the account is still registered at my parents address it also shows that address on my credit file they are not sure which adress I am at so they are sending letters to both of them. I have not responded so they are sill in the dark They are defaulting my credit file every month What would be the best way forward I tried to get 02 to take a payment they just said it was in the hands of the DCA company. Thank you

Hi I have received 2 separate notices from ANPR Ltd. One is an outstanding Parking notice relating to one particular date and the other is a Final demand relating to another date. This is the first I have come across these charges as there was no ticket left on the car window. I have read on this forum that initial step is to send a generic appeals letter to ANPR first. Shall I send 2 separate letters explaining that I wish to appeal each notice or shall I send the one letter covering both notices. Also in the letter I was going to say: signage was not visible to you in the dark and therefore no contract was offered for consideration due to inadequacy of the signage indicating the conditions of parking. Secondly, the charge does not reflect a true estimate of loss to ANPR caused by any breach of the conditions Please provide me with a POPLA code so that I can refer the matter to POPLA. This appeal has been sent with proof of postage Would the above be enough at this stage? Thanks

Hi everyone, I've been reading through a few posts on here regards several Cabot cases and would like a little bit of advice relating to my mums situation. I'm looking after this for her as she has just come out of hospital with heart problems and I really don't want the stress of her worrying. On Wednesday she received a county court claim form from the county court business centre. The claimant is listed as Cabot Financial (UK) Limited 1 kings Hill Avenue Kings Hill and the address for sending documents and payments is Shoosmiths LLP The Lakes Northampton The particulars of claim are 1. the claimant claims the sum of 589.45 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Bank of S (5193 XXXX XXXX XXXX) and assigned to the claimant on 29/4/2010, notice of which has been provided to the defendant. 2. The defendant has failed to make payment i accordance with the terms of the agreement and a default notice has been served persuant to the Consumer Credit Act 1974. 3. The claimant claims the sum of 589.45 and costs. 4. The claimant has complied, as far as is n the pre-atcion conduct practice direction. Number This was issued on the 18th July. Yesterday she received a letter dated the 21st July from Shoosmiths LLP that said We write to confirm that we have received Notice of Issue from County Court Business Centre confirming our client will be at liberty to request judgement against you on 5th August 2014. We would remind you that once this step is taken you will have a County Court Judgement registered against your name. This will have an adverse effect upon your credit rating. As previously stated our client will not refrain from entering judgement on the basis of instalment payments and requires a lump sum settlement of the debt. We would invite you to consider your financial circumstances and should you be in a position to offer such a lump sum to our client then please contact our office on 03700 *******. If you contact us on the above number with confirmation that you will be in a position to make a lump sum payment to our client it may be that our client will be minded to give you a further short period prior to requesting judgement to make the payment. We would remind you that it is strongly in your interests to make payment as soon as possible to potentially obtain a discount on the figure outstanding and to avoid further fixed costs which will be added to the debt. Should you have any queries in relation to the contents of this letter then we would urge you to contact a local solicior, your local Citizens Advice Bureau, or other advisory service. Yours faithfully Shoosmiths LLP Solicitors. I've spoken with my mum about this, she has never heard of these solicitors, nor has she spoken with anyone regarding making payments. Could someone please help me as to what I should do. From reading the other posts am i correct in thinking that I should file an acknowledgement of service with the court. And then request information from Cabot or Shoosmiths to show that they actually own the debt? Thanks in advance for any help James

ASA Adjudication on PPI Claims Management Company Ltd PPI Claims Management Company Ltd t/a Lion Claimline The Perfume Factory 140 Wales Farm Road London W3 6UG Date: 6 August 2014 Media: E-mail Sector: Financial Number of complaints: 1 Complaint Ref: A14-264781 Background Summary of Council decision: Two issues were investigated, both of which were Upheld. Ad An e-mail from a PPI claims management company, stated "... we only send emails to people who have provided their permission and wish to receive them". Issue The complainant challenged whether; 1. the email breached the Code because it was unsolicited; and, 2. the claim "... we only send emails to people who have provided their permission and wish to receive them" was misleading and could be substantiated. CAP Code (Edition 12) 10.410.4.43.13.7 Response 1. & 2. PPI Claims Management Company Ltd t/a Lion Claimline said the complainant's e-mail address had been collected by one of their external lead providers, who they commissioned to send out advertising content and who used external suppliers' opt-in mailing lists. They said they, and their external provider, used content only from opt-in mailing lists and they provided an assurance that the complainant's e-mail address would be removed from any further mailings. Assessment 1. Upheld The ASA acknowledged Lion Claimline's assurance that they would remove the complainant's e-mail address from their database to ensure they received no further marketing communications. However, despite the complainant's assertion that they regularly opted-out of future e-mail communications, they had nevertheless received a further marketing communication. Because a marketing communication had been sent to a consumer unsolicited we concluded it breached the Code. On this point, the ad breached CAP Code (Edition 12) rules 10.4 and 10.4.4 (Database practice). 2. Upheld As with point 1, we understood that the complainant had received a marketing communication despite not having opted in, which we considered contradicted Lion Claimline's claim that they only sent e-mails to people who have provided their permission and wished to receive them. We therefore concluded the claim was unsubstantiated and likely to mislead. On this point, the ad breached CAP Code (Edition 12) rules 3.1 (Misleading advertising) and 3.7 (Substantiation). Action The ad must not appear again in its current form. We told Lion Claimline to ensure they did not send unsolicited e-mails, and to avoid making claims that e-mails were sent only to those who requested them in future, unless they were able to demonstrate it unequivocally.

Hello guys, to cut a long story short I took on a loan a month ago with minicredit or microcredit as they're also known as of £100 (wish I hadn't of now) but heres the deal. I set up a DMP with a charity called stepChange who are really helpful in helping me get through the whole process of sorting everything out so far. The thing is, a couple of my other creditors so far are all being cooperative about my current financial situation I am in except for minicredit(suprise,suprise). minicredit passed the debt onto another company called opos ltd, which i've already heard they are both the same company except with a different name. I get calls from opos, which I do not answer as I heard they are very unhelpful and threaten for you to pay up the amount with interest which is what I need help with. I rang up stepchange about this and I have emailed the new company details so that they transfer the account but they needed the outstanding balance, which I do not know how much it is to date as I only know what the balance of the loan was on minicredit account before they blocked my account I am unable to see how much interest and what not they are adding onto my balance. stepchange asked me if they had sent me any letters with the most up to date balance, I said no , they have only sent me text messages saying " dear bla bla please contact us back to talk about your account with my account number" which I gave to the charity. The only balance I could give to stepchange was £155 after being charged twice for late payment fees from minicredit. How do I find out how much my debt is with opos to date? should I write/call/email? which is the easiest method? and would it matter if I dont know the actual balance as I'm only willing to pay the £155 (that includes the interest and late payment fees) as I'm not made out of money, and ive got other creditors to pay off aswell. sorry for the long winded post but I really need help on what I should do next. ps. stepchange say that they are dealing with it so I guess i will leave it up to them now, i dont know if they will get this info for me instead of me having to chase it up, all they said to me is that if opos ring me pick it up and say that stepchange are dealing with it now and that they will send you an offer.

I recently bought a Royal 400 Solo Gas Fire from warmorwet.com (Thermagas Ltd). When my Gas Safe engineer came to do the installation it became clear that the fire was faulty. He diagnosed it as a faulty gas valve. I suppose I should have then smelled a rat when I contacted Thermagas to report the fault, as they said they were not responsible and directed me to the Sirocco Fires (the manufacturer) premium rate support line, which charges £1 per minute! Eventually however, after I said I was not prepared to pay for a premium rate telephone call, and that it was their responsibility to resolve the problem, they agreed to call the company themselves. A couple of days later I got a call back from a Sirocco engineer, who said that he could not come out for at least two weeks, but doubted that it was the gas valve. He said it was most likely an electrical fault and said he would send out the relevant part, which turned out to be a battery box. Please remember that this diagnosis was done on the telephone without looking at the fire, and totally went against what my Gas Safe engineer had diagnosed from a full inspection! When the part arrived I called my gas engineer back, and again, nothing worked. His view was that they had just sent the cheapest part in the hope that it would "do the job" and save them having to come out and properly diagnose what was wrong. I contacted the retailer and manufacturer again by email, and eventually the Sirocco engineer rang again. This time he said that he would order a full "tray", and when it arrived he would arrange to visit. I asked that he contact me with an update, as I did not want to allow the issue to drag on too long. Two weeks passed by, and no call. I then rang and left a message with the engineer (no reply), and also contacted Thermagas by email. After a second email I got a promise that a message had been sent to Sirocco asking them to get in touch. This morning I had an email from Arthur Wright, CEO of Sirocco, with an address in Poland. The email said that the parts were out of stock, and I would have to wait for at least a month before the parts would arrive in Poland from Italy, and then be sent to the engineer. He also had the nerve to suggest that I would have to give them my Credit/Debit card number!! I would warn anyone about buying this type of fire (or indeed any Sirocco fire) as clearly if you have a breakdown it is possible that parts will have to be sourced from Italy via Poland. I could understand it if the gas fire was old, but this model is available from numerous suppliers. I would also suggest that for Thermagas to direct its customers to a £1 per minute premium rate telephone number, rather than seek to resolve issues themselves, cannot be said to offer good customer service. The item was faulty when supplied, and I have to say that Thermagas Ltd (trading as Warm or Wet, Leigh St, Chorley) have tried every trick in the book to deflect me from my rights under the Sale of Goods Act 1979 (as amended). I have no doubt that they have a stock of these gas fires from which they could obtain the required part, and could easily have arranged to get an engineer to visit and resolve the matter during the last month. Instead, I have been played between retailer and manufacturer. I have now formally rejected the gas fire, and advised them that I want the matter resolving this week. I will update as things develop. It is worth adding that this has been going on throughout the coldest March on record.

I'll be brief.. 6th December 2013, I pulled up in the Albert Street Car Park for 10 mins, while I waited for my son to be collected. The car was not left unattended during that time. I was sent a PCN for £80 if I paid within 2 weeks (something like that). They have been writing to me but I've ignored them until recently they sent me a letter from a debt collector. I wrote back saying that usual...i.e not obliged to give them the details of the driver, this is an invoice as oppose to a PCN, legally that the land owner has the authority to pursue me for the debt and if they did take it the matter to court, they would only be awarded whatever the losses would have been which would be punitive. This was their reply. (Apologies, I'm not at work today so I can't PDF the letter, but here is what they said) "Under Schedule 4 of the Protection of Freedoms Act 2012, if payment of the above Parking Charges Notice (PCN) has not been made by the driver, or we have not been provided with a full name and serviceable address for the driver/hirer within 28 days from the date of the PCN issue date: we are able to contact the Registered keeper so as the request the driver details. You as as the registered keeper failed to provide us with this information requested - as such you have becomes liable for the amount due. Our claim is for liquidated damages in respect of a breach of the parking contract. We have calculated this sum as a genuine pre-estimate of our losses as we incur significant costs in managing the parking location to ensure compliance to the stated Terms and Conditions and to follow up on any breaches of these identified. A full breakdown of loss with be provided at the request of a judge. Whilst we appreciate what you have stated in your correspondence, we must advise you that we are contracted by landowner to enforce the agreed Terms and Conditions on the land stipulated in the contract between ourselves. Unfortunately, due to our contract being commercially sensitive, we are unable to provide you with copy of the contract. However, should the matter proceed to court, we will be happy to provide said information on request of the Court. We have noted your comments that we should refrain from sending you any further correspondence. As such, we state that any further correspondence regarding the Notice will be made through the issuing of court proceedings whereby further costs will incurred on the Notice." What should I do next? Can they take me to court?

Hi all it's been a while since I have used the forum but have always received good advice when I have. I have received a N1 claim form through the door from Northampton County Court with the claimant Civil Enforcement Limited apparently claiming for damages from breach of contract. I will attach the pictures of the letter. I do not remember this incident as it's from over a year ago. It's been sent to an old address which I haven't lived at for some years but as it was a works van then the company will of given them the last address they had for me. Obviously it's the first I have heard of any of this as the person at the old address doesn't generally forward letters on but since they could see it was from a court they did this one! I am adamant I never entered into a contract with these people and wish to submit a defence but need some advice as to how to go about it. Any advice would be much lay appreciated!

Hi I used these brokers several years ago for a remortgage with I Group and then GE Money. I believe I may of been miss old as they advised interest only. I can't find them in business anymore. Is there anything I can do? Any advice would be great!

Many of those Caggers who 'frequent' the Debt Collection Sub Forums may be aware of the problems arising regarding Motor Mile Finance Ltd., and that I am collecting and collating data regarding the companies conduct in order to submit a multiple complaint to the OFT/FCA, it would be very useful if anyone who has recently of in the past could post links to their threads here if they would like their particular problem included Thanks in anticipation. Brig.

hello. today i recieved a letter from orbit debt collections ltd. as a debt i owed to "south west water" has been passed to them. this is how it reads. we are contacting you on behalf of "south west water" regarding unpaid water charges for the address *********** the amount of £420.71 and we require you to contact us within the next 7 days on ****** to settle the debt in full.our lines are open from 9am - 8pm monday to friday. failure to make contact with us will result in your account being scheduled for a visit to your property by one of our debt collectors who will demand payment in full. should you currently be experiencing financial difficulties we urge you to contact us as we may be able to help. we therefore strongly advise you to take immediate action to resolve this matter now yours sincerely orbit debt collections . any advice on what i should do ? the debt is from over 2 years ago

Hi, I have been a sole trader for the last 10 years and need some advice. Everything is fine with my business but I want to start another company and register the name. The earnings are way below the VAT threshold. Am I allowed to register the new company (i.e. CC LTD) then leave it dormant and still trade as ( CC ) ? Also will there be a problem that is 1996 I was declared Bankrupt. Thanks JJ

I had a loan with Wonga, which as far as I am concerned,it is paid off.I have the receipts of payments made. But last November,I made my payment into Wonga's HSBC account, only to find out at a later date, they had changed to Barclays. After numerous emails to them (not replied to) and phone calls, they could not find the payment. So I sent them the computer print out of the transaction in the beginning of May, which HSBC gave me. My last payment to them was in February. I have just checked my Wonga account out of curiosity,to find this ........ IMPORTANT: YOUR DEBT HAS BEEN LEGALLY ASSIGNED TO PORTFOLIO RECOVERY ASSOCIATES U.K. LTD Then, there was something about payments to be made to this company and a letter will be sent to me. Do I email or phone Wonga, or do I wait until Portfolio contact me, then send them the computer print out. Regards,John.

Hiya Ladies and Gents, A few years back I had a CC with MBNA which I disputed due to them being unable to provide an enforcable credit agreement. They pursued me for the outstanding balance for a while and eventually passed it over to a company called Optima (i think) who harrassed me for a few months and then gave up after offering a settlement figure of approx 10% of the balance which i declined. I haven't heard a peep from them since. This was 3 years ago but last week I got a letter from MBNA stating that they transferred the right to collect this account to a company called MFS Portfolio Ltd. Just wondering if anyones had any dealings with this company and what to expect now. Thanks in advance for any advice. Travis

Hi Caggers in the past I have never paid a PCN and never will do, but my gut instinct is telling me think twice with this one. The PCN is from Civil enforcment ltd, they sent me a charge because I stayed over my time by 30 mins. THe problem I have is that when they sent the charge to me they only sent evidence of me leaving the car park and not entering. called the british parking assosiation and they have told me the have to send me evidence of entering and exiting and that they are not happy they have done this. called these cowboys and spoke to a young lady and she said they dont have to and if I want it then I have to put it in writing. if anyone has got any advice or had the same problem please help me sort this company out

Hi All, On 19 May 2014, I received an email from MotorMile Finance chasing a debt which I believe will be statute barred in November 2014. The email states that they note that I have not responded to their previous communications (never had any!), and that my continued default will shortly be reported to all three major credit reference agencies. The email also states that the file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to my property to try and resolve the matter amongst other things.... Basically, the loan was from a pay day loan company at a time of a money crisis within my life. I have not paid the debt and not heard from the payday loan company since November 2008. Now I have received the above email and also another one which states - "We note that we have not heard from you in response to our earlier communications. Your file is shortly scheduled to be transferred to one of our Home Visit Divisions. We are happy to try to resolve this matter without conducting a Doorstep Visit and would ask you to contact us by telephone or email to discuss repayment terms. Please note that if we do not hear from you, then you will be visited to assess your personal circumstances with a view to passing your account to our Legal Department. We would, lastly, advise that if you are able to make a lump sum settlement offer, then we would be willing to allow a 25% discount on the outstanding balance and to waive the default costs and interest that have not yet been added to your account balance." I am currently in a position whereby at the end of next year, my credit file will be completely clean - no CCJ's showing and all defaults will have dropped off. I cannot afford to get a default or indeed another CCJ. I have checked my credit report and there is no mention on there anywhere of this pay day loan, nor any default showing. What is the best course of action I can take with this? I have read up on another forum about MotorMile Finance UK Ltd and can see that people have had major problems with the company and that they aren't reliable and/or knowledgable. I also do not want them showing up at my property, however, I no longer live in the property where the loan was taken out. But the only other property is my parents, so I do not want them turning up there, especially when I don't even live there myself. Could someone please advise on what I should do? Many Thanks, B_E_G xxxx

Hello I had an original credit card debt with TSB about 16 or 17 years ago, when my business was terminated. Because of my circumstances I agreed a monthly repayment of £1. After sometime I found I was having to make the payments to Credit Security Ltd and I am still doing so. Some years ago I suggested making a single payment of a substantial sum (but less than half the debt), which would be far more than they will ever receive in my lifetime at a rate of £1 per month. they refused the offer. With postage of 50p I really want to bring this to an end but I cannot repay the total and will have to look to others (possibly) to make up an offer. I really don't know how best to do this. Can anyone help, please? PS I am a pensioner and not able to access much in financial resources. Kind regards Tony

Hello all, first post here so here goes. I have received a PCN from Premier Park Ltd today 17/05/14, while parked outside of my property, a new build flat in Portsmouth. Firstly it was attached to my windscreen in an official looking yellow and black bag stating that it is an offence for anyone other than the driver to remove it from the vehicle. As it is only a parking charge issued by a private company is this a legally correct statement? It was parked in a permit only spot without a permit being displayed. The parking bay in question belongs to the housing association offices who run the development. It states that you can only park here between the hours of 7pm to 7am. The offices are only open Monday to Friday. As this was a Saturday the offices were closed. As I was loading and unloading my car at different times through out the day I required the use of the one 20minute loading spot for the development of 60 plus properties. This was denied me as the same car had been parked in it since the night before. Its a pretty standard PCN charging me £100 reduced to £60 if I pay within 14 days. I noticed that no PCN was seen attached to the car using the 20 minute bay. This seems poor management by the housing association and Premier Park. Not sure how to proceed and to what points I need to make my appeal. I have seen some older posts telling people to simply ignore these charges. Any help or comments would be appreciated. Thanks...