Help with parking fine

evansr83

Hi, I'm new to this but was after some advise if possible?

a ticket was left on the car for overstaying my ticket on a sat evening, I wasn't long approx 20 mins but the placed a ticket within 7 mins after the ticket expired!

I researched and took advice from others who have been through this also and I was told to ignore, which I did.

. The fine was for £160 which I felt was too much and not something I have available to pay but don't want a ccj.. what shall I do? Do I keep on ignoring or shall I pay? If court letters are issued am I able to call and settle before it goes any further, really don't want anything effecting our credit rating? Any advice would be greatly appreciated!

Thanks

sourcrates

Will move to the appropriate board for you.

Fruitcake

It is not a fine.

Ignoring has not been advised here since the law changed in 2012

You should edit your post to remove information about who did what. Only ever refer to The Driver or The Keeper. Never say, I parked, or anything similar that will give away the driver's identity. Parking scammers read these fora.

What is the name of the parking company please?

You can safely ignore debt collectors. Post 4 of the NEWBIES explain why it is safe to do so.

Since you are too late to appeal you are in ignore mode now unless and until you get real court papers.

pappa_golf

please read the newbies thread , all is explained

https://forums.moneysavingexpert.com/discussion/4816822

when you continue this thread (after reading the above) , please state the parking Co and then elaborate on the timing issue , as I see it both the IPC and the BPA allow a povision at the end of paid parking as a "grace" period. the 7 mins you state (ticketed) fall into the grace period , however the 20 min overstay does not

National_Debtline

Hi Evansr83,

There was a time when private parking tickets were not particularly enforced, however, that is no longer the case (and hasn't been for sometime) so I would not suggest you ignore this. Private parking companies are able to charge more than the actual loss incurred which is why the tickets can be expensive.

It can be frustrating when you only slightly overstayed the ticket, however, I am not sure what grounds you would have to appeal as you do admit to overstaying by 20minutes. If the ticket was issued after October 2015 you could argue that they shouldn't have issued the ticket within 7 minutes of it expiring as you are permitted 10minutes grace (as long as the car parking firm is registered under the BPA which DRP are *assuming DRP is Debt Recovery Plus*). However, because you didn't return within that 10minutes, I don't think it would do much help to you.

At this stage you can consider contacting the parking firm/ debt collector and making an offer to repay instalments if you can't afford to pay in full. If court papers are issued you can look to pay in full at that stage. Plus, if you pay in full within 1 month of a judgement being entered it would prevent the CCJ being recorded on your credit file as well. Good luck,

Laura
@natdebtline

pappa_golf

STOP STOP STOP !!!


half of that statement is wrong and misleading

Mr or Mrs National debtline , please read up on the facts , inc excessive Debt collection charges (bevis?) and grace periods BPA and IPC MINIMUM , in fact I suggest you re read the newbies thread before spouting half truths again !!!


OP , DO NOT ring the debt collection company , please read the newbies thread and ask questions if needed

Quentin

National_Debtline wrote: »

Hi Evansr83,

There was a time when private parking tickets were not particularly enforced, however, that is no longer the case (and hasn't been for sometime) so I would not suggest you ignore this. Private parking companies are able to charge more than the actual loss incurred which is why the tickets can be expensive.

It can be frustrating when you only slightly overstayed the ticket, however, I am not sure what grounds you would have to appeal as you do admit to overstaying by 20minutes. If the ticket was issued after October 2015 you could argue that they shouldn't have issued the ticket within 7 minutes of it expiring as you are permitted 10minutes grace (as long as the car parking firm is registered under the BPA which DRP are *assuming DRP is Debt Recovery Plus*). However, because you didn't return within that 10minutes, I don't think it would do much help to you.

At this stage you can consider contacting the parking firm/ debt collector and making an offer to repay instalments if you can't afford to pay in full. If court papers are issued you can look to pay in full at that stage. Plus, if you pay in full within 1 month of a judgement being entered it would prevent the CCJ being recorded on your credit file as well. Good luck,

Laura
@natdebtline

OP treat all this depressing "advice" with suspicion.

Never contact a debt collector! You can safely ignore them.

This is not the stage to be contacting the PCN to set up a payment scheme at all.

Instead follow the advice you get here in the newbies FAQ thread. You will know by now there are lots of ways to challenge this

waamo

Just in case you were in any doubt never, ever, ever even think about contacting a parking company or their debt collector about an alleged debt.

I mean never. Don't even let it wander into your mind. Do not even consider it.

Quentin

National_Debtline wrote: »

Hi Evansr83,

There was a time when private parking tickets were not particularly enforced, however, that is no longer the case (and hasn't been for sometime) so I would not suggest you ignore this. Private parking companies are able to charge more than the actual loss incurred which is why the tickets can be expensive.

It can be frustrating when you only slightly overstayed the ticket, however, I am not sure what grounds you would have to appeal as you do admit to overstaying by 20minutes. If the ticket was issued after October 2015 you could argue that they shouldn't have issued the ticket within 7 minutes of it expiring as you are permitted 10minutes grace (as long as the car parking firm is registered under the BPA which DRP are *assuming DRP is Debt Recovery Plus*). However, because you didn't return within that 10minutes, I don't think it would do much help to you.

At this stage you can consider contacting the parking firm/ debt collector and making an offer to repay instalments if you can't afford to pay in full. If court papers are issued you can look to pay in full at that stage. Plus, if you pay in full within 1 month of a judgement being entered it would prevent the CCJ being recorded on your credit file as well. Good luck,

Laura
@natdebtline

It's so wrong that national debtline are using their "official" MSE permission to post such unhelpful and dangerous advice on this topic that Laura shows such a lack of insight into.


Lets hope their office are better educated on how to deal with private parking charges as they now offer anyone with one to contact them for "advice"!


It seems they are majoring on their site on how to deal with council tickets AND private PCNs and so may feel they must come here to "help" everyone do deals with DRP!!!

Coupon-mad

National_Debtline wrote: »

Hi Evansr83,

There was a time when private parking tickets were not particularly enforced, however, that is no longer the case (and hasn't been for sometime) so I would not suggest you ignore this.

We can agree on that much.

Private parking companies are able to charge more than the actual loss incurred which is why the tickets can be expensive.

It can be frustrating when you only slightly overstayed the ticket, however, I am not sure what grounds you would have to appeal as you do admit to overstaying by 20minutes.

If the ticket was issued after October 2015 you could argue that they shouldn't have issued the ticket within 7 minutes of it expiring as you are permitted 10minutes grace (as long as the car parking firm is registered under the BPA which DRP are *assuming DRP is Debt Recovery Plus*). However, because you didn't return within that 10minutes, I don't think it would do much help to you.

Yes, it does help the OP. Seven minutes after expiry is not enough time to leave after paid-for time.

Laura@natdebtline, please don't post about a private parking ticket scam that 'it can be frustrating' and 'it can be expensive' (and yep, we know all about ParkingEye Ltd v Beavis and what is/isn't applicable about that case, to other car parks). It isn't expensive when you win - and we do.

No-one here PAYS these!!! And no, we don't tell people to ignore it either.

This is not a real parking fine and October 2015 does not come into it as regards the need for a grace period. There was always a grace period in the BPA CoP, for many years, in the previous version as well. October 2015 was when ten minutes came in as a mandatory grace period for real Council penalty charges, not private rip-off scam ones.

At this stage you can consider contacting the parking firm/ debt collector and making an offer to repay instalments if you can't afford to pay in full. If court papers are issued you can look to pay in full at that stage. Plus, if you pay in full within 1 month of a judgement being entered it would prevent the CCJ being recorded on your credit file as well. Good luck,
Laura
@natdebtline

How do I personally complain about this post, seeing as you are from the National debtline but giving seriousy terrible 'advice' here, not tailored at all to take into account the fact this is not a parking fine.

You don't even know which scam PPC issued the charge!

You don't know if they are litigious, most are not, and even if a person loses in small claims they would be told to pay - guess how much - about £160...so if court papers are issued they should 'look to' defend it not pay the unwarranted demand!

Did you know that we see posters here win court defences, over 99% of the time?

We have seen ONE case lost in the past year. ONE.

Seriously, you are not telling me that the policy of the National Debtline is to actually tell victims of scams to:

- contact a debt collector (pointless re a parking charge, which is not a valid 'debt')

and

OMG

''offer to pay it in instalments''??

No, please no.

STOP.

:eek::eek::eek:

Coupon-mad

pappa_golf wrote: »

please read the newbies thread , all is explained

https://forums.moneysavingexpert.com/discussion/4816822

when you continue this thread (after reading the above) , please state the parking Co and then elaborate on the timing issue , as I see it both the IPC and the BPA allow a povision at the end of paid parking as a "grace" period. the 7 mins you state (ticketed) fall into the grace period , however the 20 min overstay does not

As above. Do this ^^^^^

Please do not follow the shocking 'advice' from the National Debtline. As ill-informed as the CAB, it seems.

WE WIN COURT DEFENCES, AND MOST PPCS NEVER EVEN TRY!

@NATIONAL DEBTLINE:
YOU'VE ACTUALLY TOLD SOMEONE TO RING AN UNREGULATED ''DEBT COLLECTOR'' AND OFFER PAYMENT, WHERE THERE IS NO CREDIT AGREEMENT UNDER THE CCA 1974 IN PLAY.

THIS IS NOT LIKE A MAIL ORDER ACCOUNT IN DEFAULT, YOU KNOW.

Laura please read the NEWBIES thread then ask us any questions, I really would love it if this official (and normally very good) debtline could learn from this successful MSE forum, seeing as you are posting as a debt advisor.

This is not a debt.