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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 reason:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they follow this process and as a result the decision to enter an insurance contract in 2015 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 regards of the process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair.   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 that we find is that the correct process at the very serious suspicions of the call handler were overridden by a manager. It seems evident that 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 they do 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 and your decision has for the short of 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 ever seen the “process” upon which you are purporting to rely on 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 them exercise 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 that the reasons above, go to the heart of your own process and the quality of your investigation. I think it’s 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 and 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. 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, provide me with any policies and guidelines the Independent Assessor route and also let me know the timescales involved.   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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Parking on Private Land Appeals (POPLA)

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Just received a final rejection of my appeal against a parking fine from Vehicle Control Services. Attached to it was a form from POPLA. Does anyone have any experience of using this option?

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Hi and welcome to CAG.


POPLA are 'independant' I put the in quotes because they aren't. POPLA was set following criticism of the parking companies.


The beauty of this scheme is that you can appeal at no cost but the PPC has to pay and even if you lost, you still don't have to pay :whoo: Win,Win

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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There is no appeal process for PPC unenforceable invoices, only POPLA. Do the POPLA thing and when it is rejected send the breakdown of costs and proof of contract letter then sit back and ignore their begging letters unless you are one of the very few who receive official, stamped court papers. The defense for court is in the stickies on this forum and the PPC Desk jockeys have yet to defend successfully against it.

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And the more people that appeal to POPLA the less turnover the PPC's have I appealed 6 months ago and still no result from my appeal. If every one that got a speculative invoice from a PPC appealed to POPLA the PPC's would soon run out of money.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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  • 4 weeks later...

Hi i am new to blogging and wondered if you could tell me how to appeal against a fine from a private car parking company via POPLA. I have never heard of them and my initial bill of £60 has now gone up to £200 which i just dont have. I [arked there on a Bnak Holiday assuming it would be free that day however i was issued a fine. I am now being sent final demands and being told if i dont pay it will be referred to the courts. I am very worried about this and just wonederd where i stand. Thanks

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Hi i am new to blogging and wondered if you could tell me how to appeal against a fine from a private car parking company via POPLA. I have never heard of them and my initial bill of £60 has now gone up to £200 which i just dont have. I [arked there on a Bnak Holiday assuming it would be free that day however i was issued a fine. I am now being sent final demands and being told if i dont pay it will be referred to the courts. I am very worried about this and just wonederd where i stand. Thanks


OK firstly it's always best to start your own thread but I'll respond on here and you can decide if you want to start your own thread or if the replies are enough information.


The thing to remember is it is not a bill, fine or a parking ticket - it is an unenforceable invoice from a Private Parking Company - at this point can you name the company?


You can choose to ignore the invoice and it will probably go the way that 99% do and after a flurry of begging/threatening letters you will hear no more (search watchdog private parking ticket on youtube)


Or, if you are not comfortable with ignoring you can send the prove contract, breakdown costs and deny any liability letter (hover your mouse over the word ignore and follow that information)


Alternatively before you send the letter as described under the word ignore you could appeal the original invoice - thing is I suspect you have gone past the timescale for that if your latest letter is begging the amount of £200 but you could try it anyway.


When your appeal is rejected by the PPC (they all are) they have to include a POPLA code, using that code you can appeal to POPLA and this costs the PPC some money.


POPLA will then make a judgement (despite what some say they are not truly independent and most appeals will go in the favour of the PPC) however the POPLA judgement is only binding on the PPC and not on the appellant, so you can go through the process, cost the PPC some money and then send the prove contract etc letter and then sit back and ignore.


If you are one of the very few who receive official stamped court papers there is a good standard defence in the stickies which easily bats off the PPC if they decide to take it all the way to court - what usually happens is that as soon as you enter an informed defence the PPC withdraw at which point you can claim your costs (postage, letter writing etc)


What you can expect is a number of ever more desperate letters from the PPC and then their Debt Collector (usually the same company under a different guise) which will threaten all sorts but are just hot air.


Personally I still ignore some and choose to play with others but if you tell us the PPC name we can advise on the likelihood of the action they are likely to take

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Have you got the popla code from the parking operator?


Hi I don't think so ..,I threw my ticket away so don't know if it would of been on that . Is there anyway of getting it? Thanks for your reply.

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