If you have all statements, check carefully for default fees for late, missed or bounced payments.
With the a/c being relatively recently opened and defaulted, the effect of default fees may not be so great, but every little helps.
I would suggest you are more worried about that unfair £3k excess?
https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=XS direct&oq=XS direct&gs_l=partner-generic.12...15683.15683.0.16710.1.1.0.0.0.0.77.126.96.36.199.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.RpLASFnQsjg
your offences are not deliberate and they'll understand there is not a pattern of repeated fraud or purposeful deception.
await the letter
you've seen I expect numerous examples of the pleading/begging for OOC settlement here already
adapt one of those but keep it short and too the point
you should be ok.
as for last time, it wasn't a fine, it was a settlement, only if you were taken to court did you receive a fine/record.
Had an accident last week, car aquaplaned at well below the speed limit in borderline flooded roads and spun into a crash barrier.
Police attended and agreed nothing I had done counted as careless/dangerous driving.
why is this going down as a fault claim and therefor liable for excess when I drove to road conditions and didn’t actually contribute anything to the accident other than being on the road at that time?
Is there anyway I can challenge this decision?
Any advice greatly appreciated.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/