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    • Holding my hands up I was a naughty boy driving a transit van along the A55 in Wales in February and exceeded 60mph in what I thought was a 70mph zone. ( all to do with the weight of the van). When I realised the error of my way I took the fine and sent my licence off by Royal Mail. Yesterday I received a letter from North Wales Police saying that I was now being prosecuted in court for failing to surrender my licence. I paid the fine as soon as I received the £100 penalty letter and carefully read the form ( which is confusing to say the least) and immediately took a walk to the post box and sent my licence off. In hindsight I’m a fool for believing that the licence would get to the HMCS in Loughborough without the need to track and trace the letter. I still believe that Royal Mail hasn’t lost the letter with my licence in it as I have never had any other letter go astray. I believe the licence is with HMCS it’s just not yet been processed probably due to Covid backlog. Seems Covid is to blame for everything these days. How can I avoid this going to court? I’ve never had a speeding ticket in over thirty years of driving or any other ticket hence why I was keen to comply with the ticket and send my licence off as instructed.
    • Rejection letter to be sent to the FOS   I am declining your decision of 13th April for the following reasons:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they followed this process and as a result their decision to enter an insurance contract in 2015 despite their misgivings was fair.   1.      Nowhere in your decision have you explained what the process was and whether in fact the process was fair. Clearly your view is that with regards to that process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair and regardless of the fairness of the process.   2.      On 2 June 2021 I received a telephone call from the Aviva complaint team. During the conversation, they informed me that in fact that in 2015 the call handler had been wrong and had not followed the correct process. The Aviva caller told me that it was not part of the process for the call handler in 2015 to refer her suspicions to her manager. Clearly, if the call handler in 2015 had adhered to the correct process and allowed herself to be guided by her own suspicions then Aviva would not have agreed to provide the insurance cover and they would not have become the victim of fraud. In fact what we find is that the correct process and the very serious suspicions of the call handler were overridden by a manager. Evidntly either Aviva has misled you as to the nature of the process or else they have not disclosed their process to you. It may even be that Aviva does not have a written “process”. They only have “a way of doing things”. If it is correct that you have not seen the Aviva process but have simply taken their word for it, then it is clear that your investigation is flawed and your decision has fallen short by any reasonable standards. If on the other hand Aviva has misled you as to the nature of the process, then I think you have a very serious issue with Aviva. I believe that you have never once seen the “process” upon which you are purporting to rely upon in your decision. You may be interested to know that the man who defrauded Aviva also attempted to use my identity to defraud a number of loan companies. I’m pleased to say that all of those companies exercised sufficient diligence that they did not become victims of the fraud. Only Aviva failed to exercise proper care and allowed themselves to be defrauded. You may also be interested to know that the police have interviewed me and they have interviewed my brother and they are preparing to charge my brother in respect of his fraudulent activity. I am under no suspicion whatsoever. The police have informed me that they will be speaking with Aviva facing fairly soon.     There are many other reasons why I am refusing to accept your decision. All the other reasons turn on the fairness of your decision but the reasons above go to the heart of your own investigative process and the quality of your decision. It is not insignificant that I have submitted a Freedom of Information Act request and also a Data Protection Subject Access Request to you and so far you have failed to respond within statutory deadlines. I have also sent Aviva a Subject Access Request and they have extended the deadline for compliance by a full two months for spurious reasons which I do not believe. I have also asked Aviva for sight of their policies and procedures in respect of the rules that they apply to their customers for the setting up of new business.  Needless to say I have received no response. The Aviva website makes a show of being aware of the dangers of domestic financial abuse and they trumpet their association with the organisation Surviving Economic Abuse and they say that their staff are all trained in spotting the signs. I have asked to see their abuse policy and I have received no response. None of this is surprising.    It is clear that Aviva have acted carelessly. They were suspicious but preferred to get the new business.  Aviva are complicit victims of the fraud. It is Aviva which is the victim of fraud but they prefer to try and avoid their responsibility and pass the buck onto me. I’m pointing out that it is Aviva which is the victim of fraud because I can state categorically now that I have no intention of paying any of the money which Aviva is demanding of me. I notice that Aviva prefers to harass me for an alleged debt rather than simply bring a claim in the County Court where an impartial judge would look at all the evidence including information which so far Aviva has declined to disclose.   This letter is intended to decline to accept your decision but also is intended to be my formal complaint which I wish to be escalated to the Independent Assessor. Please confirm receipt of this complaint, that it is being forwarded and  provide me with any policies and guidelines to the Independent Assessor route and also let me know the timescales involved. I will want to provide further information to the Independent Assessor.   Yours faithfully
    • The G7 hasn't gone to plan, has it?   Rather than showing the UK off as a potential global leader, Johnson has probably started a trade war with the EU and is being told that other nations don't trust him.
    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
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  • 2 weeks later...
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As promised....


Received first letter from Graham White Solicitors.




You were written to by NCP LIMITED and their agent Roxburghe requesting the settlement of a Parking Contravention Charge Notice. Due to the absence of payment, or a valid appeal, our client has instructed us to proceed to legal action to recover the amount due.


Therefore, it is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings are issued in the County Court. This letter fulfils this requirement.


Take note: the costs associated with issuing a claim is as follows.

Claim issue fee. £30.00

Solicitors costs for issuing claim. £50.00

Judgement Costs. £25.00

Warrant issue fee. £35.00

Solicitors Costs for Issuing Warrant. £2.25

Total additional costs £142.25


Any judgement registered against you could seriously affect your chances of obtaining credit in the future, as this information can be made available to any interested parties via the Register of Judgements, Orders and Fines, and remains on there for 6 years.


In the event of a Judgement Order not being adhered to, we may instruct Bailiffs to attend at your address who are authorised to seize goods for sale at public auction in the amount claimed plus all Statutory Interest.


Please contact us with your proposals for settlement within 7 days to avoid the possibility of this action.


Yours Sincerely

Michael Sobell



All capitals and bold text is theirs....!


So....let's recap, at my last update according to them I owed £90, this has now potentially risen to £232.25.


I'm still holding my nerve and sticking with the advice on here, ...watch this space.



Apparently these solicitors are regulated by the Solicitors Regualation Authority, are they not interested in websites like ours ? :cool:

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has anyone ever just sent loads and loads of annoying letters back quoting little bits at a time just for a laugh?


Wonder what the most funny letter ever sent back is!


You know the ones like you get on email of a little old lady of 104 giving it full humerous wack!

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  • 3 weeks later...

**Latest Update**

OK guys and girls......

2nd letter from Graham White... The more observant among you may have worked out, ... that despite ominous threats giving me 7 days before the end of my world!... they sent the second letter 14 days later !!

Ok down to business..

Usual headings and legit looking legal stuff at the top about clients, "legal" reference numbers, bar code and telephone number. total amount due £90(they seem to have forgotten that the last missive added on lots of scary extras and had me up to ~£200+ !! )

It begins...


TAKE NOTICE that despite many attempts to obtain payment from you, you have chosen to withhold settlement of the amount as stated above.

We have already fulfilled all legal requirements in relation to commencing litigation.

If you are in doubt as to the seriousness of this situation you should seek independent legal advice, as the consequences of litigation can be far reaching, such as:

-Substantial legal costs and statutory interest being added to your debt

-Your name being listed on the Register of Judgements affecting your chances of further credit in the future

-Seizure of your assets by Bailiffs

-An order to obtain information from judgement debtor

It is your responsibility to repay this account to us immediately, and we put you on notice that we shall refer the matter in seven days.

Please be assured this matter will not go away without solution or resolution.

If you do not wish to incur the consequences of Court Action, you must pay the amount claimed immediately. If you cannot pay the full amount, or you have a valid defence to this claim, you should call this office without further delay.

Yours Sincerely

Michael Sobell


OK folks according to those in the know this is the last I'll hear from them.... let's hope so.

I am rapidly losing my sense of humour over this, it is upsetting and worrying my wife, and after it is all over I may ask some of the experts on here to help me make a formal complaint to the police, there must be some law breaking going on here regarding intimidation, false pretences, menaces etc.

Big thanks to all... watch this space.


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"it is a legal requirement to send a notice of INTENDED LITIGATION " anyone ever written back and asked them to quote the reference for this requirement ? :)[/quote



'Intended litigation' is just another term for a LBA (Letter Before Action) & IS a CPR requirement


Mr Sobell appears to be a sole practitioner


The Law Society - Find a solicitor

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  • 3 weeks later...

I just received my first letter from Graham White. If it wasn't for this forum I would have capitulated earlier.


They have indicated that I should contact them with my "proposal for settlement within 7 days ...". The cost is now £142.25. The letter and amount are exactly the same as 5printst.


Does anyone know how may tickets are issued at Ely station, or if there is a legal route to demand that information?

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The cost is now £142.25.


£7.75 Cheaper than eating at a certain MacDonalds (am at a similar stage with latest one and am awaiting GW's communication)


Does anyone know how may tickets are issued at Ely station


Quite a few I would guess but hopefully many of those caught will find this forum and there will grinding and knashing of teeth at the PPC's offices :lol:


They must really hate this forum as I am sure they must monitor it trying to correlate postings with potential victims :!:

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They must really hate this forum as I am sure they must monitor it trying to correlate postings with potential victims :!:

You're probably right about them lurking and they are not the only ones.


There are a number of PPC's who lurk on these forums, on MSE and Pepipoo with the sole intention of trapping the unwary.


There is a sticky about this: http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/179619-careful-what-details-documents.html


Anyone posting on this forum should read and consider this sticky before posting anything related to a PPC on this forum.


This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.



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  • 4 months later...

OK All -As the Original Poster of this thread -

Nothing Happened at all !! the world didn't end, I didn't lose all my worldly possessions, I didn't lose my kneecaps ...etc etc.


Everything worked EXACTLY as the experts on here said it would, my last update was September 2009, it's now March 2010 ...I think we're done here. Nothing more to say.


For all the doubting Thomas' please read this thread fully.


Thanks to ALL for your support.


PS Could the moderator please amend this thread to put this final post at the top to encourage people to read it and be assured the advice works if you just stick at it.

Edited by 5printst
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My god 5printst, I had just read your thread. if you read my thread http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/251972-parking-notice-brookwood-railway.html#post2829463


you will realise I am now starting today the journery you started on 15th May 2009 last year when you got your penalty fine.


Exactly the same infringement (at another car park) - bought a valid ticket but parked in a season holders bay.


I am so much more confident of just ignoring everything now!!! Thank you thank you thank you! I will keep my own thread updated with the same information you have provided so others can track that too.


Thank you!




p.s. just a thought - what is "Register of Judgements" and can you check if indeed your name is now listed on it as per the last solicitors letter?

Edited by Zangy
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Oh and I'd just like to add that if on the small tiny chance that the person reading this is one of these guys that puts parking notice's on cars - you are a loser.


You have a tiny existance in life where you can do whatever you want to do and be whoever you want to be with some effort - but if you actually chose to do a job like this, then I think I pity you.

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  • 1 year later...



I got the following notice, having paid and displayed the ticket but seemingly parked in a permit bay on a SUNDAY when it wouldn't even be used by permit holders in any number. I wasn't aware I'd parked there and although they were markings on the floor they were not in a good state of repair.




Location: Shenfield Station SP

Contravention: Parking in a permit bay without clearly displaying a valid permit

Parking Convention Charge of £75 is now payable within 28 days. A discounted amount of £50 will be accepted as full and final settlement if received within 14 days.


I'm sitting tight on the advice here, and successful conclusion it seems!

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