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    • Hi,   Someone who isn't me (SWIM) bought a parking ticket for a car park whilst on holiday paid the correct fee input their car reg went to the shops and then left in their vehicle within the required timeframe. The car park operates ANPR and a few weeks later SWIM received a PCN despite having followed all the rules of the car park. The parking company is saying that they have no record of a payment for SWIMs car. SWIM wrote to the parking company explaining that they paid and followed all the rules of the car park however the parking company replied with a standard template letter and are now adding more to their PCN and threatening court action. Unfortunately before receiving the PCN SWIMs partner threw the parking ticket away as part of cleaning out the car after the holiday.     The parking company has pictures of SWIMs car entering and leaving the car park but is saying that no number plate was entered into their machine. This is not correct the number plate was definitely inputted and the fee paid in cash. The car park is in a shocking state of disrepair and there have been several cases of the company issuing PCNs due to their own faulty equipment.     The parking company have taken people to court before and lost. However, the defendants in those cases had their tickets as proof of payment. If SWIM is taken to court their argument would be that the private parking company's (PPC) equipment must have been faulty and that the only evidence the PPC has is the car driving into and out of the carpark.  They have no real evidence of no payment. In fact CCTV footage would show a payment has been made, furthermore there were no other cars in the nearly derelict car park so if a payment was registered on the machine but not a number plate that would have to be SWIMs.    Dose SWIM no longer having a ticket ruin their chance of winning if this ends up in court? SWIM is prepared to take it to court if needed.   Are there any similar cases of people winning in court despite no longer having their parking ticket?   
    • Social services need to be given on training on how to provide direct payments! 
    • I have written to them to advise of income change and employment change .. they haven't even acknowledged the income change ..they just stated I have advised about how I'm paying cmi but not addressed how I'm paying the arrears ..I have a court order in palace to pay the cmi + 200 extra they know this . However they still threatening me with eviction . And demanding more income and expenditure so I will send that in to them and see where we go as they will probably demand more again .as the income is now higher . But they are only having the extra £200 as inline with the court order . Regards Markez  
    • do you not still have your ID card etc etc. if its whom I think it is and you are thinking of switching 'sides' shall we say .....you are not alone!!   dx
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
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      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
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Penalties for not paying by direct debit

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From what I can tell by the OfCom notes to date (what a way to spend a Sunday afternoon!) - as long as the company put the charges in writing, clear to understand, they can add on what the heck they like?


Yes, that is correct. You are always free to pick a supplier who doesn't rip you off like this, that said, I bought a new mobile recently - don't really like contracts for things like mobiles, but did look at them and it appears that just about all the networks only accept payment by direct debit anyway.


What's even more sneaky is the newer practice of the customer being forced into two contracts - one with MySupplier and the other with My Supplier Payments Processing Services Limited or similar.


This, I would have thought, would pave the way for the payments processing fee to, say, treble, inside a contract with MySupplier, but because MySupplier hasn't changed their terms to disadvantage you, you have no rights at all to cancel with MySupplier and are stuck with it.

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I have a second phone, for my voluntary work, very similar tariff but a business account. No non-DD charge there. It's actually cheaper.

Perhaps the answer is to have a business account :-)

If my comments have been useful please click the scales and let me know.


Me vs Rockwell/Tessara/RBofS: pending.

Me vs MBNA/1st Crud: Discontinued.

First Direct Overdraft: CCJ won.

IR: 2 CCJs 1 won.

Birmingham Midshires: pending

BT: pending

others to come....


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Need help please regarding virgin media and there bill charges. Like most people i am unemployed so dont pay by dd this costs me £5 amonth also £1.25 paper bill but what is really hurting because i cross over into other months they are hitting me with another £10 charge each month i have to juggle my money to pay peter then paul any help please regarding these charges mainly the late charge.

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I'd love to wave a magic wand, however VM have establioshed these charges over the last 2 years (and don't make any secret that they exist), so the opions are; (1) Pay the charges (2) Negotiate to bring them down to a more manageable level (3) Take your custom elsewhere, and let them know the reason why.


For the record, as NTL they made a total mess of my finances so I withdrew their right to take money from my account as they had broken any trust I could reasonable expect to give them. As such, I retain control of my finances, and have no wish to relinquish this to a third party. For over 2 years they would (on request) provide a 'goodwill credit' which covered the amount they charged for not letting them control my bank account. When this stopped, I kept a note of the additional money I was paying until it reached £60. I then advised that as I was paying them almost £800pa, I had had enough and wanted my £60 back as it was disproportionate, I also said if we did not reach a resolution, I would take htem to court for the £60, and terminate my services, giving due notice.


Within 2 weeks I had a response. A credit for the £60, and the creation of a 'special discount' which would keep the non-DD fee to £1.50pm. This was clever, as it meant I would probably be unsuccessful should I challenge them in court over the fee. £60pa would easily be seen to be unreasonable, but £18...? Success would not be easily assured. So, it IS possible to get the DD Fee down to £1.50 per month, but it has to be negotiated.


As to your last point - the 'late fee'. You can switch to ebilling and save on the cost of paper bills, because they use UK Mail, paper bills usually arrived about 3 days before the payment needed to be credited to the account. With ebilling I get them 1 day after the bill is generated, and have a full 3 weeks to pay. The secret is to ensure your monthly bill is paid in full BEFORE the next one is printed. If you do not, the Late Fee will be applied. If your bill is printed on (say) the 15th of each month, then your funds MUST be with them by 13th, and by this I mean IN their bank account - you can usually do this via PC Banking/BACS under your control, but if you use any third-part service (like PayPoint, Cheque or Debit card) you cannot leave it as late as this - the 5th would be your target date.


The dates will never change, so you need to put a ring round the calendar to ensure this bill is paid on time, as it will cost you dearly if it will not.


TIP: IF you have not missed a payment in 12 months, CD staff can arrange for a crediting of the £10 fee, but if there is a string of late payments, they will not do it.

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I am in receipt of a letter from BT (yesterday) that's in response to a complaint I made on the 19th March about BT's proposed penalty if you don't pay by direct debit.


Has anyone else had this letter? I assume it's a standard one.




What's most annoying is that Gillian Lewis couldn't even be bothered to sign the letter herself - it's PPed from someone else. What's worse than that is that it's a scanned signature! Jeeeeez, why can't they scan Ms Lewis' signature?


haha see what i mean someones already being paid to process your payment so why should we have to pay extra for that ?


BT are the biggest cash whores going they wanted to charge me £130 for a call out because what ever the problem was, was not there problem

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People say that BT are bad, lol you should see THree :D They are worse! When I first started with them 3 years ago on a £10 a month contract, I was being charged £4.50 non-dd admin :-/


Back to the topic of BT and non-DD charges, I'd personally just email the CEO' email address as it's still passed onto the CEO's exec team to deal with... Here are the details and exec teams details:



Michael Rake Chairman


E-mail michael.rake@bt.com

Telephone 0207 356 5000

Company Twitter @bthelp




I'm sure this is the acting CEO:


Ian Livingston Chief Executive


E-mail ian.livingston@bt.com

Telephone 0207 356 5000

Fax 0207 356 6650

Website http://www.bt.com

Company Twitter @BTCare


I'd personally consider CCing your local news desks tipoff email address when you do :p

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Noone has posted on thuis thread for a few years


is it still the case where companies are not allowed to over charge for non-payment by direct debit?


Vodafone charge me about £3 a month for not paying my direct debit, i think it's pretty unreasonable but they think otherwise.


Tried to download the letter someone posted up but the link has now gone dead

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