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Found 816 results

  1. Hi there, My wife parked on the road outside of our building, it was late at night and she's heavily pregnant. Someone gave us a charge notice at 3AM in the morning, clearly nothing better to do.. They've sent us the images including the car, number plate, and parking conditions. You can only actually see the conditions as they've used a flash camera and they aren't clearly signed at night anyways.. They don't own the land, and I'm not even sure why they're even here. I've read lots of the posts before about best practice, but can't seem to find the template letter/email to send them. Should I even bother replying or just bin all the letters, I think the images alone show that they've not signed the road correctly... Thanks for any help/advice. The ticket was also received on 3rd of July, and they mailed me on the 7th August.
  2. Hi All, I am in a similar situation to Sean Miller https://www.consumeractiongroup.co.uk/forum/showthread.php?460082-Parking-Charge-from-Vehicle-control-Services-do-I-pay-help-please&p=5158775#post5158775 in that I received a charge notice. On 25/09/18, my car broke down and 02/10/18 I received a parking charge notice in the post for "stopping in a zone where stopping is prohibited". They have CCTV photos of me on the telephone standing beside my car waiting for the Recovery Services to register my breakdown. I had to be towed away and there was no way that I could have moved my vehicle without assistance. They state that there are signs clearly marking it is a no stopping zone and I should have notified them that i had broken down. I didn't notice any signs, and I certainly didn't see that i had to call any numbers. I was busy worrying about what was happening to my car and making sure I was towed to safety. I passed my test about a year ago and I had never been in this situation so you can imagine I was scared and worried! It has gone through the so called independent appeals service and they have, of course, ruled in their favour. I have written to Watchdog and i was just wondering if anyone had any tips about how i can handle this? On principle I refuse to pay this charge, £100.00 is a hefty price to pay for something I completely disagree with! Any help would be greatly appreciated! Thanks to everyone reading.
  3. Hi all. I originally had a debt with HFC bank on a credit card to the tune of £9838. My monthly payments were 172 and suddenly, Weightmans wrote to me threatening me with a CCJ if I did not consent to a voluntary legal charge. They refused to accept my £172. To cut a long story short, I did agree to the charge because at the time, I was under severe emotional stress - my Dad was dying from a terminal cancer, which Weightmans knew! I have just received a letter saying that I can get a 50% reduction on the debt! But: I cannot afford this right now even though there is a charge on my home. What I have noticed is that Weightman's client is now Phoenix Recoveries UK LImited S.a.r.l. Can I CCA Phoenix, or is it best to CCA Weightmans. The card was staken out in 1998. Also, if I DO CCA them, will they get frisky and threaten me with getting me to sell the house. I do have aletter from them saying it was not their intention to do this which is why I agreed to the charge - stupid, I know. Any advice greatly appreciated xxx
  4. Hello all, in January I parked my car in the car park I usually park in which for many years has been 3 hours free parking, unbeknown to me (until I received the parking charge letter) in mid December the time was changed from 3 hours to 1 hour. Where I enter the car park from the road there is the sign stating the terms and conditions but no 1 hour sign, they are dotted around the car park but when I leave the car park I leave via the same entrance and therefore don't see that they have changed the hours. There was and still is no sign anywhere stating that the hours you can park have recently changed which in my opinion is a little unfair I could in theory have checked the signs on Monday and seen 3 hours, parked again on Tuesday without looking and they could have changed it to 1 hour, a bit like entrapment in my opinion. I appealed to POPLA and they rejected my appeal and I have now received a letter from Civil Enforcement demanding payment stating if it isn't received in 28 days they will have no option but to start proceedings against me and will charge for costs, interest and fee's. Do I have a leg to stand on regarding there was no prior advice when entering the car park that the terms had been recently changed or do I just pay up? And just as an aside I now live in Saudi Arabia and would like to write to Civil enforcement requesting they write to me here as I have only seen these letters from pictures my wife has sent from the UK.
  5. Hi, First of all, thank you for the support you all provide through this site. I have received a Parking Charge Notice from CPM (UK Car Park Management) for 'Unauthorised Parking' in a small car park. The bays are unmarked and the signs are barely readable attached high on the walls in small prints. I am the registered keeper but not the driver of the time. The issue date was last year June 17 and was for £100 or reduced to £60 if payed in 14 days. It was sent to me in post with two pictures of my car in the letter. The reason was 'unauthorised parking'. Since then, I received another letter called 'Formal Demand' roughly after 40 days of the first letter where it says to pay £100. Then I started receiving 3 DRP letters (2 in sept and 1 in Oct 17) asking to settle payment of £160. Following that, I received a letter from Gladstone Solicitors in Nov 17 asking me to settle payment of £160 and then another 'Letter before claim' in June 18. Taking advice from other forums, I decided ignore them and I never contacted or reply to any correspondence thinking that they will stop. Now (Sept 2018), I have received a Claim Form from County Court Business Centre, Northampton asking to pay CPM £174.67 + £25 court fee + £50 legal rep fee total of £249.67. I have kept all evidence of letters and pic of the car park including the sign they have up. I need advise on what to do next. I have read different threads and you tube videos and all saying this is fake court. The court logos are blurred out and looks like the letter has been copied. Is this a actual court? The letter contains moneyclaim.gov password. Please can you offer me advise om what to do next? I have 14 days to acknowledge of service then submit my defence. I can upload pics of letters and photos upon request. Please speak to me in layman's term as I don't fully understand the process. Questionnaire: 1 Date of the infringement - 23/06/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 10/07/2017 3 Date received 13/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] - not anywhere in the letter far as I can see 5 Is there any photographic evidence of the event? - They took two pictures of my car and printed them in the letter 6 Have you appealed? {y/n?] post up your appeal] Have you had a response? [Y/N?] post it up - I did not respond at all 7 Who is the parking company? CPM 8. Where exactly [carpark name and town] - 93-101 Greenfield Road, London For either option, does it say which appeals body they operate under. - BPA If you have received any other correspondence, please mention it here - as mentioned above Thank you in advance
  6. Long story short, I used the car park and then paid before I left however I still received a parking charge notice. Is there anything I can do to appeal this? I have not contacted Horizon Parking as of yet, I haven't appealed either. Below are some info you might need: The parking works by you entering your reg number to a parking metre/display before LEAVING and then paying the amount it states on the screen. I paid the amount it said and then left within 5 minutes of paying. I paid by cash so I don't have bank proof. I don't have any receipts as I accidentally misplaced them. My reg number was correct as I always double check and it tells me the sum on the screen. The entering/leaving time on the letter are correct. I am yet to appeal, the only communication I have received is the letter I have attached to this. Is there anything I can do to win an appeal? Will ignoring them work? I would appreciate any help. Thank you very much. imagetopdf (5) (1).pdf
  7. I'm livid - today we have received a £100!!!!! 'charge' for parking 'longer than the maximum period permitted' (which is 60mins) on the 9th Feb 2019. We went to see an evening performance at Theatre Deli and parked in the carpark directly outside the theatre, which is on a small retail park (it used to be a carpet shop). A theatre performance is obviously going to last more than an hour, and as there were no pay machines we presumed it was free to park (especially on an evening). The notice is dated 21.2.19, the envelope does not have a post mark. The PCN is from VCS Ltd who are members of IPC. Happy to provide more info if needed. Please help me sort this as quickly and easily as possible.
  8. Hello, Me again! I received a charge notice for parking on their clients property for a CHARGE NOTICE from Highview Parking, Bradfield Road Car Park, Sheffield S6 2BW Date: 18.12.18 Time: 19:47 Time left: 22:27 Duration: 2hrs 40 mins I had been for a meal at the Italian restaurant for my managers retirement hence the late time of arrival. The car park was empty and so presumed it would have exceeded the time period with it being unsociable hours. Having spoken with friends and family, I decided to ignore the first letter but have received a second one today to state the charge is now £85 instead of the reduced amount of £50. and if not recieved within 14 days an initial debt recovery charge of £40 will be incurred???? Can I please have advice on what to do next as I don't know how best to go about these sort of things- I do think it is disgusting and the owners should not be allowed to charge these ridiculous amounts. I am concerned that I will get taken to court etc??? Please help?? Many thanks in advance
  9. Hi My daughter has received a "Speculative Invoice" from Civil Enforcement Ltd. I have seen somewhere about rules for the protection of freedoms act and have sent an email today to the DVLA to see when her details were requested and confirmation of who requested it. Once i get this information where do we go from there? The parking notice does not mention POFA at all. Are they required to mention it?
  10. Hello, I've received a notice to keeper today for exceeding the maximum period allowed by 17 minutes. Although I was driving the car, I was not the keeper as it's my fiancé's (so the letter was addressed to her but I won't let suffer for it) My initial reaction was to ignore it but I decided to play it safe and ask for guidance. Thank you in advance. 1 Date of the infringement 11/02/19 2 Date on the NTK 18/02/19 3 Date received 20/02/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the event? Yes, plates upon entry and exit 6 Have you appealed? No Have you had a response? N/A 7 Who is the parking company? Euro Car Parks 8. Where exactly Marks & Spencer, Penrith BPA
  11. Hello, I had exactly the same problem. Parked at Southgate Park Stansted, went to McDonalds then got a parking charge letter. I stupidly appealed it and therefore revealed myself as the driver, and the appeal was of course rejected. However the PCN letter came well after 2 weeks from when I parked there. Is this good grounds to appeal to POPLA? Hello, I've been issued with a parking charge notice by MET for parking at Southgate Park Stansted. The parking bays looked like they were there for the adjacent restaurants (McDonalds and Starbucks) I went to McDonalds, left after 12 minutes, 26 days later got a parking charge letter. Apparently I was not allowed to leave the car park on foot while I was parking there, and because I strayed more than 50 feet from the car I must now pay the charge. No obvious signs stating this, not something I would ever expect. I stupidly appealed it and therefore revealed myself as the driver, and the appeal was of course rejected. However the PCN letter came well after 2 weeks from when I parked there. Is this good grounds to appeal to POPLA.
  12. Hi all! I have received a parking charge - I had no idea I need to pay there, as it is a retail park and those are usually don't charge for parking - I am never shopping there again, that's for sure! We have been in the shop for about 35 min. And now they are asking for £54 or £90 if I don't pay by 14th October! PCN's received through the post [ANPR camera capture] 1 Date of the infringement 22/09/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Date on the letter 01/10/2018 3 Date received - I don't know, hubby opened it and chucked the envelope out 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? Yes, on entry and on exit of the car park 6 Have you appealed? {y/n?] post up your appeal] No Have you had a response? [Y/N?] post it up No 7 Who is the parking company? Smart Parking Ltd 8. Where exactly [carpark name and town] Havens Bank Retail Park, Exeter For either option, does it say which appeals body they operate under. I think it says to send appeal back to them, and if they reject, then POPLA is available - independent Adjudication service Any help is greatly appreciated
  13. For PCN's received through the post [ANPR camera capture] please answer the following questions. 1 Date of the infringement 25/11/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30/11/2018 3 Date received 1/12/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Yes 5 Is there any photographic evidence of the event? Yes. Looks like one photo of the car in the parking space, from behind, and one photo close up of the number plate from the same spot (maybe a zoom in from the same photo). 6 Have you appealed? {y/n?] post up your appeal] No, was about to give up and pay when I found this site. Have you had a response? [Y/N?] post it up 7 Who is the parking company? National Parking Enforcement Ltd. (PO Box in Wymondham, Norfolk) email/website for them is "parkingprotection" 8. Where exactly [carpark name and town] They have put "177-195 Histon Road, Cambridge, CB4 3HL" It took me several hours and google maps to work out the spot - there is a row of shops set back from the road main road (Histon Road) accessed by car from a side street (Windsor Road) with a row of parking spaces. I have been parking there periodically to go to the Co-Op for about 10 years with no problems. On this occasion it was a Sunday evening and all the other shops were shut except the Co-Op and Golden Wok Chinese Take-Away. I did notice that there are now some yellow lines painted into the parking area to denote parking bays/spaces, but didn't think anything of it. I saw one sign when we left but could only make out the words "private land", couldn't read the rest from the car. We were leaving then anyway. For either option, does it say which appeals body they operate under. Yes, IAS ….................................. Hi, I am a new user - not sure how the forum works, but here goes. I have done the copy and paste for PCN through the post with ANPR pic, and answered the questions, below. I got a parking charge notice after spending 18 minutes in the Co-Op. I have been parking there for about 10 years no problems. There is a row of different shops and I always assumed the parking at front was shared. It was a Sunday evening and most of the other shops were shut. We didn't notice that they have now painted yellow lines to mark bays/spaces in front of all the shops except the Co-Op, and I had parked in one of these spaces. I didn't see ANY signs except one when leaving the area and all I could make out on that was the words "Private Land". We went back after receiving the PCN letter and there are NO signs as you drive into the parking area. There are other signs, but they are attached to all the shops except the Co-Op. Theses signs were in darkness as the shops were shut and it was dark, they were behind us when we were parked in the space, and we didn't see them because we didn't go up to any of the other shops, which were shut (sorry, I said that already). There is one sign attached to a lamp post (probably illegally and/or without permission from the council) in front of the parking spaces, which we didn't see, probably because it is too high to see from sitting inside a car. That sign anyway has a big blue square with a white P on it, and the small print refers the reader to the other signs. We have photos of the signage, although none are from the actual night in question (because we didn't know we were going to need any photos....) The blurb on the signs says the land is private, and that the bays marked with yellow are only for the use of patrons of the shops listed (Machine Mart, Premier Kitchens, McColls/Post Office and Golden Wok). I don't understand how they can tell which shops anyone who parks is using? We did think that maybe because the other shops were shut it is assumed anyone who parks is contravening their rules, but found out the Golden Wok was open.... Are they using CCTV to follow on film anyone who parks there and see where they go? Is this legal? One other thing to mention, is that the "Period of Parking" quoted on the letter has a "From" time later than the "To" time. They clearly got the two times (18 minutes apart) the wrong way round when they wrote the letter. Is this grounds to have it cancelled? And if not, any advice on how to proceed with this gratefully received. Thanks in advance.
  14. I'm about to buy a (relatively) low cost item from a small-time online manufacturer who usually sell in large quantities to tradesmen. They have applied a 'low order fee' to make my order up to £50. Are they allowed to do that? (I suspect yes). I noticed in the Shopping Basket breakdown that VAT then also got applied to this fee - are they allowed to do that? Thanks.
  15. Hi, please could anybody experienced in conveyancing help me recognise a secondary charge on a Mortgage please ignore if I upload the document ? I’m unsure whether this is an admin charge or additional lending. Many Thanks in advance
  16. Hello, I'm in need of help and advice please............. On Monday 14th January 2019 I received a parking charge notice from PCN notice to keeper NTK St Mary's Road Retail Park Car Park, Sheffield S2 4AL- DFS sofas, Ammount charge -£100 within 28 days or £60 if paid before 24.1.19 contravention date: 27.12.18 contravention reason: parked for longer than the maximum period permitted - 120 mins!! Total duration stay: 199 minutes I visited DFS to look at sofas, I presumed this was owned by DFS not a private company!! NTK are lying because I left the car park- drove to Ikea Sheffield and Next outlet over at Meadowhall, at least a 20 minute drive over there. Looked the whole way round Ikea- and got stuck in traffic and then Next outlet, i then called at centretainment to pick family members up and then returned back to the car park to show my family a sofa I'd seen in DFS I have contacted my online banking and have evidence via online chat with them the time of transaction I made at Ikea and also have printed a statement with the date I made the transaction. I'm so upset about it- firstly I presumed the car park was owned by DFS and didn't see a sign. I haven't done anything about this charge notice yet- can someone please advise?? Do I appeal if so what should I reply with? Do I ignore it? Many thanks in advance
  17. Hi all, I noticed that I will not have enough money in my bank account to cover my rent for the 1st January, but I will receive my student loan on the 14th where I can pay it in full. I have never missed a rent payment in nearly 2 years of tenancy. I emailed the agent if they could show leniency and waive the £35 reminder letter fee which is laid out in the contract as - 4.3 The Tenant shall pay interest at the rate of [4] % per annum above The Bank ofEngland's base rate on any rent lawfully due that is paid more than 14 days after thedate on which it became due. The interest will be payable from the date the rentshould have been paid until the date the rent is actually paid. and 4.6: Late payment of rent. Reminder letters will be charged at £29.16 plus vat £35.00 perletter sent subject to a maximum of four letters per month The agent replied and said no, the system will send out 2 reminder letters by the 14th which will equal a £70 fee, and if I don't pay they will take it out of my deposit. I believe that the reminder letters are electronic and this would be an unreasonable sum. I also asked them that why are these necessary when I have let them know in advance I can't afford the payment and I am waiting for a reply. The contract does not lay out above the 'schedule' for sending these letters and it was only the agent via email who told me they are sent once every 7 days as the clause is unclear in that respect. The only reason I brought up unreasonableness to the agent via email was because they straight away mentioned the contract which led me to inspect it. In terms of the deposit the contract/tenancy agreement says - 5.3: At the end of the Tenancy, the Landlord/ agent shall be entitled to withhold fromthe Deposit such proportion of the Deposit as may be reasonably necessary to:(a) make good any damage to the Property or the Contents (except for fair wearand tear) caused by the Tenant's failure to take reasonable care of theProperty or Contents;(b) replace any of the Contents which may be missing from the Property;© pay for the Property and the Contents to be cleaned if the Tenant is inbreach of its obligations under clause 3.1 or clause 9.1. I do not believe this has any provision for withholding my deposit on the basis of late rent payment/admin fees. Am I correct? Furthermore, I have a question about the deposit. The contract was signed online and doesn't have much info about the deposit other than it will be registered with the government deposit protection service and I didn't have to sign anything related to it from what I remember. I have also been in the house for longer than the other 2 tenants, and paid the £400 deposit when I moved in but not again when the new tenants moved and swapped the old 2 tenants in and a new TA was signed. Is this suspicious at all? But yeah... does anyone have any advice? Should I cough it up or just pay the rent and wait to see if they deduct from my deposit at the end?
  18. My son, had received a letter back last year claiming he had parked illegally, the charge was £163, I told him to pay it as it be very difficult to prove there was no proper signage, anyway he forgot about it then today he received this letter with a charge of £270. They say they have obtained a judgement against him and if he wants to avoid it he must pay the charge within one month, if he does that they will contact the court and tell them to remove the judgement. I have never heard anything remotely like this before. I have attached a copy of the letter to this post just hope it comes up ok.
  19. Hello everyone - I'm writing this in a state of disbelief. Just received a PCN in the post. My genuine shock is down to having had no inkling at the time that there were any parking restrictions. My colleague and I both remember checking for notices but seeing none. One question I have is whether anyone here is familiar with this car park - outside Wetherspoons' 'The Possett'. I clearly need a reality check on what is in fact visible on the site. The car was recorded as entering at 8pm and leaving at midnight. Thanks! 1 Date of the infringement 1.5.2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 5.5.2018 3 Date received 10.5.2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] yes 5 Is there any photographic evidence of the event? yes 6 Have you appealed? {y/n?] post up your appeal] no 7 Who is the parking company? ParkingEye 8. Where exactly [carpark name and town] M&U Phase One, Portishead (Lidl, Travelodge, Subway). For either option, does it say which appeals body they operate under. POPLA
  20. Hello everyone, Yesterday I received a Penalty charge note for a parking offence in Budapest in month of August 2016. It is about 6 month ago. The company which is representing the charge is called Euro Parking Collection Plc or epcplc.com I do remember visiting Budapest and staying for few days but I did always paid for my parking but unfortunately I do not have the parking pay and display proof after 6 months of time. They also send me a link for viewing pictures of my caddy parked in the street and had a penalty charge note placed under my wiper which I never found it. My question is if they are are any legal to present parking ticket 6 month old from a different state of Europe. The pictures they sent me does not show anywhere if I had parked there illegally. In one of the picture does show a parking pay and display ticked but up side down or printed side was turned by an accident. As I mentioned that I did went to Budapest but I paid parking where it was required and I also paid the motorway vignette. Shall I pay them, ignore them or file an appeal mentioning the pictures does not show if I was parked illegally. Please help as I really do not want to pay for something I believe is wrong. I have also noticed that the pictures are not on their website anymore.
  21. Good evening, I have received a letter from MET Parking Services starting that a fine is now overdue, the problem is, no initial letter was sent. They are demanding payment within 14 days, what is the best way forward. I go to Stansted a lot and I'm not 100% sure the charge is genuine as it was from a few months ago. Date of incident is the first week of November and this is the first letter I have received regarding this (today).
  22. Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to see what they can squeeze out of you I think) before giving me one. I have offered around £4k. My main priority is to get the second charge removed. And hopefully for a substantial discount or nothing. Any advice from here please?!? I understand now that I shouldn't have paid them anything but as there is still a charge on my property I felt I had to.
  23. I have received a PCN for an alleged offence at the same location, https://www.consumeractiongroup.co.uk/forum/showthread.php?487668-G24-Parking-charge-while-shopping-B-amp-M-Stores-Falkirk&p=5170354#post5170354 dating the parking offence as 30th November. It alleges the driver overstayed the permitted 2hours by 11 mins I now live in England but as the alleged offence happened in Scotland am I correct that Scottish Law applies, so pursuing the keeper is illegal?
  24. Sorry if this seem to be a long post , but please bare with me My Daughter signed via the internet for basic 11gb BT broadband , she has yet to receive a hard copy of the contract or “Welcome pack “,only an email confirmation About 10 days after applying she received (by post ) the BT hub , and a day later put it into service . She was horrified 3 days later to receive a warning email telling her she had exceeded the download limit by almost double . Horrified due to A) The high cost of excess data charges B) The fact that even though devices were connected all were set to not update unless the relevant ok was clicked , she had not carried any downloads or film watching and could not understand how so much data could have been downloaded She then disconnected all connected devices , went out , and 3 hrs later when she checked it was showing and additional 10gb of data had been downloaded , this on an up to 8mb service Then the first of many calls to BT “customer service “ Various assurances were made , ignored , denied , forgotten She was talked down to as though she was a silly school girl , talked at , talked over and hung up on , in the latest call , witnessed by my OH , she had to tell the BT person he was rude , and to stop talking over her when she was trying to get her points across .The first BT person had said they would look into the downloads and tell her how and when . BT , as yet have failed to provide this data , and are deny ever saying this was possible , lets hope a review of recordings of telephone calls will show who is telling the truth She / we then decided we had had enough and to exercise the 14 day cooling off period . That is when the sting in the tail came . We consider the cooling off period start date is when you actually start to use the service . O no say BT it starts when you sign up. So you sign up get the service , find it wanting , go to cancel and get stuck with a £204 cancellation fee , because you have passed BT cooling period . We are refusing to pay the cancellation charge , only offering to pay any outstanding data charges , so BT said they would send a deadlock letter , this they have not , instead , a standard cancellation email has arrived . The standing order to this account has now been closed , and BT informed to only communicate by letter , as my daughter has limited ability to connect to secure and safe internet ( essentially ours at our house ) A letter of formal complaint has been sent .along with an offer to settle only outstanding data charges . My Daughter is a special needs care assistant on National Minimum wage , with a school age child , and is attempting to live independently , there is no way she could afford this cancellation fee So over to the experts Is this an unfair contract condition What chance do we have going up against the might of BT Last sum up ,For 3 days internet , BT want £204 as well as the initial charges !!
  25. I was visiting a friend in Blackpool and parked at the rear of their house as i have done many times before. He has two parking spaces included in his tenancy agreement and he gave me permission to park there. I recieved a ticket and a £60 charge for "parking without permission" Should i appeal or just ignore it? I used to know a bit about this stuff but i believe the law has changed??? will i need to pay it?
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