Recent Posts
On stride Financial Loans Reviews & In-depth Info
In 2019, On Stride (a trading name of CashEuroNet) went into administration. The loan provider is not taking on any more customers, but, any outstanding loans are subject to FCA regulations. If you have an outstanding loan with On Stride Financial, it's important that you understand what the new regulations mean for you. Let me explain...
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What to do with a PCN Charge Certificate? Tips and Loopholes
Navigate the complexities of a PCN Charge Certificate with this comprehensive guide, detailing everything from the PCN issuance, and reasons behind it, to dealing with charge certificates, and the appeals process. Learn about the legal actions that can be taken if you ignore a PCN, your options once a charge certificate is issued, and how to handle bailiffs if it comes to that. Also, understand the PCN appeals process, how to make informal and formal challenges, and what to do if they are rejected.
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Should I Pay or Appeal my Park Watch PCN?
You could appeal a Park Watch PCN if you have grounds to challenge the Parking Charge Notice. For example, did the operator follow the Code of Practice when issuing the PCN? Let me explain further…
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How Does a Fixed Penalty Notice Affect My Visa Application?
Did you get a Fixed Penalty Notice (FPN) and are worried about a UK visa application?
The penalty may impact your application or may not because it depends on several things. Let me explain further…
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Should I Pay or Appeal my Croydon Council Parking Fine?
You could appeal a Croydon Council parking fine if you have valid grounds to challenge the charge. Also, you must file your appeal in time. Let me explain further…
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Full List of FPN Offence Codes and Fine Amounts
I provide a full list of Fixed Penalty Notice (FPN) codes, which outlines the penalty points connected to each of them. Let me explain further…
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Appeal Fixed Penalty Notice for Driving Without Insurance
Driving without insurance is a serious offence and is classed as a 'strict liability offence'. Essentially, this means that unless you have proof of mitigating circumstances, you will need to pay a Fixed Penalty Notice for no insurance. I explore this in further detail in this article.
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Simplified British Parking Association Code of Practice Rules
The British Parking Association Code of Practice is a set of guidelines and rules for private car parks. It ensures that car parks operated by private management companies work fairly and consistently, with clear signage explaining fees and restrictions, as well as maximum fines. In this article, I will cover the code of practice in more detail.
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What is Debit Finance PLC IP on Bank Statement? Debt Scam?
Debit Finance PLC specialises in collecting membership subscriptions for fitness facilities. This is why you might see them on your bank statement. But sometimes, they should not be taking money from your account, as you have already cancelled the subscripti0on. Is this a scam?
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How to Not Pay Council Tax Legally – Who is Exempt?
Council tax is a local property tax in England, Scotland, and Wales that funds services like rubbish collection and road maintenance. The amount you pay depends on your property value and the local council's tax rate. But some people are exempt, and you should check whether you are.
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2 Legal IVA Loopholes in the UK – What Can You Do?
IVA users need to know about the completely legal IVA loopholes that could make their lives easier. Discover real IVA loopholes with me here…
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2 Legal Speed Camera Van Loopholes in the UK
Have you heard of the loopholes to get you out of a speed camera van ticket? If you’ve recently been spotted by a mobile speed camera, you’ll want to know this…
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How Long Does It Take for a Speeding Ticket through Post?
How long does it take to receive a speeding fine? There’s some incorrect information online about this, and I’m here to clear it up…
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Should I Appeal a Parking Charge Notice in Northern Ireland?
You might not have to pay £100 when you receive a Parking Charge Notice in Northern Ireland. Allow me to explain your options and the easy way to slash the fine in half.
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Should I Pay or Appeal Napier Parking Fine?
Napier Parking LTD is a private parking operator that manages parking for businesses and landowners. The company can and does dish out private parking charge notices, and aggressively chase payment of these. But you may not need to pay such a parking fine, you might be able to appeal it.
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What are the Parking Ticket Rules in the UK?
The rules related to parking in the UK depend on where you are parked. Either in a space that falls under the jurisdiction of the local authority, or on private, and with parking that is managed by a parking company. The former is regulated in the UK. The latter is not, and in many cases, is not legally enforceable either.
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Legal Limit for How Long Council Has to Issue a Bus Lane Fine
Have you got everything crossed that you won’t receive a bus lane fine in the post? I’ll explain when you can relax by looking at how long a bus lane fine takes to arrive.
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Should I Appeal Fixed Penalty Notice for Tinted Windows?
Window tints are regulated in the UK under the Road Vehicles (Construction and Use) Regulations 1986. These regulations state certain tint levels for each different window. You must conform to these limits, or you face penalties. These penalties could include a Fixed Penalty Notice (FPN) or a prohibition notice.
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How Long Does the Council Have to Respond to a PCN Appeal?
Has there been radio silence since your Penalty Charge Notice appeal? Find out how long the council has to respond to your PCN appeal now. You might be automatically off the hook!
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How to Avoid Getting Points on a Speeding Ticket
Speeding offences come with a minimum £100 fine and at least three penalty points on your licence. But there are a couple of ways you could avoid receiving the points. Let me explain exactly how…
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Should I Pay or Appeal Clean Air Zone Charges?
Received a Clean Air Zone (CAZ) Penalty Charge Notice? If you’ve been stung with this fine without even realising you used a Clean Air Zone recently, I have some valuable info to share with you.
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How Much Does a PCN Affect the Cost of Car Insurance?
Have you received a Penalty Charge Notice and are now wondering if it will affect your insurance? It’s a common concern. Allow me to put those worries to rest…
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Should I Pay or Appeal No Seat Belt Fine? Know Your Rights
You might be able to cut a no seat belt fine in half or even have it ripped up altogether. Allow me to explain some of the ways people deal with their seat belt fines…
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What if I Can’t Afford to Pay My Fixed Penalty Notice? Answer
Missing the deadline to pay a Fixed Penalty Notice will result in more costs. So what are your options when you can’t afford to pay the Fixed Penalty Notice fine? Let’s take a closer look…
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Should I Pay or Appeal Birmingham Clean Air Zone PCN?
Been stung by a Birmingham Clean Air Zone PCN and not sure whether to pay or appeal? You’re in the right place as I discuss this topic in detail below.
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Appeal or Pay Klarna Debt Collection So You Can Use It Again
Klarna offers both Buy Now Pay Later (BNPL) and traditional credit. Any debt you run up with Klarna must be paid. If your account is blocked due to non-payment of a debt, you may be able to regain access to your account by settling the debt. Klarna customer services could be able to help you as well.
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How to Reactivate Your Frozen Clearpay Account
Clearpay offers Buy Now Pay Later (BNPL) credit to consumers in the UK. A mobile app is used to manage your Clearpay account. In some instances, due to a number of possible problems, your Clearpay account might be frozen. The app should tell you what you need to do to unfreeze your account, or you can contact the customer support department at Clearpay for some help.
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Can I Appeal a 52m Failing to Comply with a Prohibition PCN?
If you receive a penalty charge notice (PCN) for a 52m, failing to comply with a prohibition, it means you were caught driving in a restricted area. You can appeal against this PCN, but to do is not simple, as you will need to provide solid evidence that you were not guilty of the offence the PCN was issued for.
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Is the PCN 5-Minute Observation Rule a Myth?
The five minute observation rule, is actually a 10 minute grace period that drivers are given to return to their vehicle after their paid parking has expired. You shouldn’t be given a parking ticket as long as you return to your vehicle within this 10 minute period. If you are, you should appeal against the ticket, and provide evidence of the fact that you returned within the 10 minute timeframe.
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How to Get My Water Debt Written Off? Quick Answer
Want to know how to get water debt written off? The information here could be very useful to anyone with water bill arrears and struggling to stay afloat. Allow me to help…
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Should I Pay Newlyn PLC Baliffs Debt Collectors or Appeal?
Newlyn Bailiffs Debt Collectors work to recover debts at both ends of the debt collection process. But do you have to pay and can you fight back? Let me explain your options to deal with Newlyn effectively…
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Two Contact Numbers to Speak to Parkingeye on the Phone
Your stress and anger at receiving a ParkingEye fine will probably double when you try to speak to someone at the company. It’s more difficult than it should be, so is there a way?
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How to Appeal a Fine For Parking on the Pavement in the UK
You’d get fined for parking on a pavement, even if it’s only two wheels. Once you get a Penalty Charge Notice (PCN), you must respond within 28 days to prevent further action. Let me explain why this is…
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What are the Rules When Parking Your Car at ASDA?
You could appeal an Asda parking ticket if you think the operator who manages the site didn’t issue it according to the Code of Practice. Let me explain why this is…
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Appeal UKCPS Parking Charge Notice or Go To Court?
You could dispute a UKCPS Parking Charge Notice if you feel the fine is unfair or wrongly issued. Accredited car park management companies must follow a Code of Practice, and if they don’t, you could appeal. Let me explain why this is…
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Can You Be Defaulted Twice for the Same Debt?
Under normal circumstances, you can’t default twice on the same debt. However, there are instances when a debt could show up twice on your credit file. Let me explain why this could be…
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What Banks Accept IVA Customers? Updated List
Do you know the banks that accept IVA customers? I have some good news to share with you if you’re considering an IVA and looking for a new bank account. Let me explain your best option…
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How Much Will Debt Collectors Settle For? UK Percentages
Considering a debt settlement offer to get out of debt quicker and pay back less? Before you take the next steps, there are a few things you need to know. Allow me to explain…
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Can You be Stopped at the Airport for Debt in the UK?
You shouldn’t be worried about being stopped at the airport because you’re in debt. After all, it won’t happen. That said, if you’re planning to move to another country, it’s best to settle your debts beforehand. Let me explain why this is…
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How to Check if You have a Penalty Charge Notice
There are ways to see if you got a Penalty Charge Notice if you got fined by the council or another authority. You can also check the status of a PCN if you need to. Let me explain how…
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How to Appeal PCN if it was Issued after 28 days?
You may have grounds to appeal a PCN if it’s issued after 28 days. That said, sometimes you can’t contest the fine. Let me explain why this is…
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Who Sent Me PO Box 300 Northampton NN1 2TX Debt Letter?
Getting a letter from a PO Box may seem strange after all, who uses a PO Box to send an official letter? But when you get one from PO Box 300 Northampton, you should open it. Let me explain why this is…
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How to Challenge an Ultra Low Emission Zone Penalty Charge
Getting an Ultra Low Emission Zone penalty charge is more than just annoying. It’s expensive too! That said, there are times when you could challenge the fine. Let me explain when and how…
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Can Debt Collectors Follow You to Another Country? UK Laws
Can debt follow you abroad? Escaping the UK won’t always mean escaping your debts. Take a few minutes to let me explain the possible outcomes…
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Latest Ways to Check Debt Against a Property
The usual way to check what debts you have doesn’t work when trying to find debts against property. Let me explain how you correctly check for debts against your home…
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Can HMRC Take My House in a Joint Name?
Dealing with HMRC debts and arrears can be daunting, especially if you’re not sure what they will do to recover the money. Can HMRC take your home? I’ll reveal all you need to know here…
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How Much Does 6 Points Increase Car Insurance Costs?
If you have 6 penalty points on your licence, either from a single or multiple driving convictions, it will be harder to find affordable car insurance premiums. But there are some things you can do to try and get cheaper vehicle cover.
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5 Pros and 5 Cons of Bankruptcies in the UK
If you’re considering bankruptcy and want to know the pros and cons of bankruptcies in the UK, you’re already starting out right. It’s essential you know everything about bankruptcies before applying, so I’m glad you’re here…
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Should I Pay Bus Lane Fine in Bristol or can I Appeal?
You could appeal a Bristol bus lane fine but only if you have solid grounds for doing so. Let me explain why this is………
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Maximum Penalty Fine for Unauthorised Absence from School?
I get it. You work hard and deserve a holiday, but the dates just don’t line up with the school holidays. Now you want to know what the repercussions are of your child having an unauthorised absence from school…
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