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    • I've had to hide one of your posts.  The upload guide explains how to upload in PDF only.  Personal details are easily seen in DOCX and your name was showing.   There is some wriggle room, but I think realistically writing "my parking ticket" means your friend has been outed as the driver and any POFA/"14 day" protection has been thrown away.   Better news is that I have just looked through pages and pages of Smart Parking cases we have on the forum and, for all their bluster, in not one have Smart Parking ever done court.   Even better news, the PPcs in general don't do court in "wrong registration" cases now because the few times they have the judge has given them a thrashing.   Therefore your friend has nothing to worry about.   However, don't expect Smart to be reasonable and to accept the appeal, and don't expect their demands for money to stop overnight.
    • use pdf  follow upload i've hidden you docx file as it has all your pers details in file info/properties   put everything on one mass PDF please both side of the PCN/NTK too please   dx  
    • I am at a loss. Last week I received a letter from Virgin Money saying they are closing my account in 60 days but no explanation. I called and was told to go into branch so I travelled 25 miles to the branch to be told it was nothing to do with them.    Bit of background I opened a Yorkshire bank account in 2014 as my town had a branch (long since closed)   A little while later I opened a Yorkshire bank credit card with a small credit limit   More recently I opened a B credit card as it had zero non sterling transaction fees , this was just before they closed that type of card to new applicants.   So Virgin money come along and transfer all my accounts to virgin money.    I opened another virgin credit card with 12 months 0% as I had drowned my old iPad and wanted a new one.   Almost two months ago I found out by looking at my statement that the B credit card had changed its terms and conditions and now was only zero non sterling if the transaction was in euro's Swedish Kr and Romanian Lee. I called and queried this to be told it was a commercial decision but the call handler did acknowledge that I had not been told about this.   I made a complaint - to be honest this was the reason for keeping the card open . They have about another 3 weeks before the 8 weeks are up and I take it to the FOS   Anyway, after getting the letter giving me 60 days I made a complaint that they a) sent me round the houses b) were unable to tell me why. I was told I would get a call back within 4 days    After 7 I called to be told the complaint had been closed as it had no standing and that the reason my account was closed was something really serious and someone would call me before the end of the 60 days.     Just to confirm, I usually keep £1000 minimum in my account (to get the interest) , have never once been overdrawn and my wages get paid in every month. I pay all my bills from the account . I admit I did a bit of moving money around a couple of months ago and also made a couple of 1K cash deposits.   Is there anything I can do? Oddly they have not closed my credit cards   I have now opened a student bank account with HSBC and also checked my credit file. HSBC are doing a switch to move all my DD's. I have also opened another credit card that gives no charges on non sterling transactions or cash withdrawals ( I can't quite believe it as it nots Halifax).   I want closure but I also want Virgin Money to pay.   Sorry for the long rant  
    • “seems that rather than making fossil fuel companies pay their fair share, the public purse will actually be subsidising this climate wrecking investment to the tune of almost £6 billion. This is obscene.” - Mark Ruskell, a member of the Scottish parliament
    • This is a copy of the appeal letter sent to Smart Parking.  Still trying to sort out how to sent copy of PCN
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Claire-V-NAT WEST 6QZ58078

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Hello everyone,

firstly let me say that this site is fantastic!!!!!!

The help / advice i've received to date is 1st class.


Brief summery. To date,

i'm at the point now were i have sent all the letters to Nat West whose responce were as predited on this site.

Ive had two offers from Nat West, firstly a mere £600 ( my claim is for £3000+ ) just before i applied to the small claims court.

When i sent my application in to the court Nat West solicitors asked the court to strike out the claim stating that i had not shown resonable grounds for the claim, i responded as per advice form this site and the claim stayed.

This week the court sent a letter stating tha the claim is "stayed" until the 15th December to allow both parties to attempt a settlement.

Today i received a letter from the banks solicitor,

The letter states... Our client considers that your challenge to its charges would fail in court. Our client belives that its charges are fair, reasonable and transparent. It considers that the amounts debited to your account have been applied strictly in accordance with your agreement with it and its published tariff. Our client is also committed to ensuring the transparency of the information that it gives to its customers about the operation of its products. As such, our client does not belive that your claim has any prospect of succeeding.

However, as a gesture of goodwill and strictly on the basis that our client rejects any liability to you, it is willing to offer you a goodwill payment of £1700.

Whilst this letter is written without predjudice save as to costs, in the event that you decline this offer, we will draw this letter to the court's attention on the basis that we hold the firm veiw that this offer is entirely reasonable in the circumstances. This offer will remain open for 7 days until Tuesday 5th December 2006.

This is just a try on by the solicitors.


They are in effect making you a Part 36 offer and they are fully aware that 36 does not apply to small claims courts.



My advice to you will be simply to say to them no and that they are attempting to mislead you as to the situation regarding costs because you know fully well that part 36 does not apply to the small claims track and also the court would not held liable for costs anyway. Once again you should threaten them that you will complain to the Law Society about the way that they are deliberately attempting to deceive litigants in person. If I were you I would send a letter to the Law Society complaining about them. Also tell them that you will complain to the court that they are making deceptive offers and hiding behind the without prejudice rules.


I will be declining the banks offer and i will send the letters to the Law society & the courts.

Trust that this can be of help to others in my position..



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Hi claire it can only help people if you post it in the Natwest forum really. Can you c&p your text and post it there? Then you can track your progress, read other Natwest stories and post if you need help. Thanks!

Ex CAG helper ^_^

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