BW Legal Parking Fine Debt Collection

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Are you worried about a parking fine from BW Legal? You’re not alone. Each month, I guide over 12,000 people to sort out money problems just like this. In this article, we’ll cover:

Who BW Legal are and why you might have to pay them.
The powers BW Legal have and what they can do.
Ways to lower your repayments.
What happens if you ignore BW Legal.
Contacting BW Legal and appealing a parking fine.

Dealing with debt collectors can be scary. You might be worried about your daily life being disturbed or unsure of your rights. We understand your worries, and we’re here to help, as some of our team members have been in the same place as you. They’ve faced debt and found ways to deal with it. Let’s dive in and learn how to deal with BW Legal and parking fines.

Should you pay BW Legal?

BW Legal can ask you to pay them directly. But you should only fork out any money when they’ve proved the parking fine is yours.

Mistakes happen whether because of a clerical error or because ANPR gets it wrong and records the wrong number plate! Many unpaid private parking charges fall into this category!

» TAKE ACTION NOW: Fill out the short debt form

What happens when you ignore BW Legal?

As mentioned, BW Legal may advise their client to take you to court. When you ignore a Letter Before Action, things get complicated, messy and harder to resolve.

For instance, you could face:

Court proceedings and a judge orders you to pay. You’d have a County Court Judgement (CCJ) registered on your credit file. It’ll harm your credit rating making it hard or impossible to get credit, a loan or a mortgage
Court-appointed enforcement officers paying you a visit at home

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

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What can BW Legal do about an unpaid private parking fine?

BW Legal must follow the CSA Code of Practice. I’ve listed what debt collectors can lawfully do and what they can’t lawfully do below when they chase unpaid parking charge notices.

Debt collectors can legally do the following when they contact you:

They can contact you by phone, letter or in person
A debt collector can talk to you about an alleged debt politely
They can ask that you pay them directly

Debt collectors can’t do the following when they contact you:

A debt collector cannot threaten/harass you
They can’t force their way into your home, seize your possessions or clamp your vehicle
Debt collectors may not discuss things with your family, friends, employer or employer
They can’t say they’re court-appointed enforcement agents
Debt collectors can use documents that seem court-issued
They can’t visit you at work

How should you deal with a BW Legal unpaid private parking tickets?

You shouldn’t ignore any correspondence from debt collectors about a parking charge even though getting debt letters is stressful. Instead, ask them to prove you owe the money.

Make sure you send BW Legal the request by registered post.

Also, a Parking Charge Notice is not enforceable straight away. A parking charge on private land is not a fine. It’s an invoice raised because you breached the T&Cs!

Does BW Legal have the same powers as bailiffs?

No. They don’t have the same powers as bailiffs (court-appointed enforcement officers). They are a debt collection company and registered law firm.

Debt collectors have no more power than an original creditor. But commencing county court proceedings is one of their options over unpaid parking fines.

Take a look at how one motorist won a case in court against BW Legal and got the fine overturned.

BW Legal Parking Fine Debt Collection - Can I Ignore Them?

Source: Moneysavingexpert

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Does BW Legal add fees to the debt?

BW Legal used to add exorbitant costs and fees to an original unpaid parking charge. But a court ruled they were ‘abusing the process’. So now additional fees are a no-no unless there’s a genuine reason.

Will BW Legal take you to court?

BW Legal may instruct their client to start court proceedings. Moreover, the law firm offers the client legal support. That said, you must receive a Letter Before Action (LBA) first.

You could pay the fine within a deadline or face court proceedings. Now, the LBA may just be an empty threat to prompt you to pay. But there’s never any guarantee you won’t have to face court proceedings!

Should you appeal a BW Legal parking fine?

It could be too late to file an appeal. In short, there is a set time to file an appeal against a parking charge notice.

So unless the time limit hasn’t expired, you may not be able to file an appeal. You could try to talk to the car park operator, but you may have to deal with the debt collector!