Debt Collector knocking, original fine not received

unfortunate_fine

Hi,
I’d appreciate some advice.
I received a fine from debt collectors (Bw legal) for a parking at one of the Napiers parking lots.
too late to appeal as I have never updated DVLA records after moving house. Now they are slapping me with £160 fine.
Having read the newbie faqs, I have emailed the collectors to erase my old address. I have called them before I stumbled across this thread to explain but they wouldn’t listen. 

The ticket was issued as we overstayed, can’t remember why it took us so long to pay for the parking as it looks like we entered and paid the ticket 20 mins later, but doesn’t matter at this point probably.

I read that the PCN can be erased by landowner in this case it’s RSPB so not sure if that’s possible?

Not sure if I have a leg to stand on to appeal but money is a bit short so I guess I wonder if it’s worth pursuing the legal route or do I just pay now.

ChirpyChicken

Your thread is misleading
1. You have NOT been fined
2. No debt collectors have come knocking
3. Please change your thread title

Gr1pr

Not a fine

Napier Parking issued the invoice,  not B W Legal 

B W Legal is a legal company trying to collect the money for an invoice on behalf of their client Napier Parking 

Nobody will come knocking 

DO NOT PAY   !

Car1980

Don't talk to debt collectors.

You need to email dpo@napierparking.co.uk and copy in disputeresolution@bwlegal.co.uk stating that your new address for any service is XYZ and to ERASE all records of your previous address.

Simple.

Then keep an eye out for any court claim. I also recommend you check your credit report every few weeks.

There is no genuine appeals process. A county court claim is your appeals process. Very few go all the way to a hearing and the vast vast majority are discontinued when they realise you won't pay.

Coupon-mad

You can read the new MSE Guide to help understand why not to pay and that nobody comes knocking!

Come back if you get a claim form.

unfortunate_fine

Thank you for all advice
Im struggling with amending the title but will do so asap!

Gr1pr

unfortunate_fine said:

Thank you for all advice
Im struggling with amending the title but will do so asap!

You cannot edit your posts until your status changes from newbie to forumite 

unfortunate_fine

Hi there,
as per your advice I have run my credit score and I’m shocked at how much it dropped due to this issue. I’m at the point where I need this problem to go away. Any tips on how I can handle it or have it settled asap? 

ChirpyChicken

unfortunate_fine said:

Hi there,
as per your advice I have run my credit score and I’m shocked at how much it dropped due to this issue. I’m at the point where I need this problem to go away. Any tips on how I can handle it or have it settled asap? 

Please provide evidence your credit file has been affected . (Ie a default ccj)
In addition your credit score is a made up marketing number of no relevance
If you have no default ccj then what you state simply is not true
It would helpful to others if you did not state such stuff

Gr1pr

unfortunate_fine said:

Hi there,
as per your advice I have run my credit score and I’m shocked at how much it dropped due to this issue. I’m at the point where I need this problem to go away. Any tips on how I can handle it or have it settled asap? 

As above,  you have not provided any evidence as to having a CCJ or who issued any unpaid court claim , it may be a parking company,  but could easily be somebody else  ( it may not be Napier via Gladstones   )

A credit score means nothing 

Its your CREDIT FILE that needs to be checked with companies like Experian 

If you do have a CCJ on your credit FILE, then it needs rectifying,  possibly with a set aside,  depending on what is recorded and by whom. A credit score is a symptom, typically caused by a CCJ on a credit FILE

No CCJ is £160 or £170, they tend to be over £200, typically around £300 or more 

unfortunate_fine

You are right! Apologies, I have used free Experian showing the value drop and assuming it’s the above issue that is causing the drop, I’ve just upgraded and uncovered someone else opened utility account in my name for my old address (&missed a payment). I’ll delete my posts after this not to confuse anyone.