Is a credit card or loan an option when broke and facing a PCN deadline

bix_2

Hello Money Saving Experts!

I think I may have an insurmountable cause here!
okay here goes...

I have four outstanding PCN tickets, all of which have to be paid within less than 2 weeks time. Three of the PCN stand at £60 with one at £40.

I tried to apply for a second payment plan as I could not meet the original payment plan date. I have since spoke with the PCN office last Saturday morning and they told me to pay the full amount in 20 days time, otherwise I will be riddled with NTO letters.

However, one of the four letters received detailing each PCN and the amount owed should say £40, not £60. Looks like there trying to administrate my backside into submission with an additional £20!

Well for the sake of argument, what I would like to know is, since I can't pay this all off on my own back at the moment, is it wise to consider asking for a loan or credit card to help pay these PCN's off ??

Or, perhaps I should appeal against them outright since I have already paid in excess of £700 in the last two years on PCNs (- i know i know, you absolute twonk!!). :T

Any advice is greatly appreciated!

Suburbia bix


Ps.
I live 5 miles outside the city center, which does not qualify me for a residents permit