CST Law Letter Before Claim – Do I Ignore or Appeal? 

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Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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- Financial Expert
Updated 29 November 2023
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cst law letter before claim appeal

Did you get a CST Law Letter Before Claim and are you wondering what to do about it? First, CST Law chases people for unpaid debts and unpaid parking fines. The company would be instructed by someone you allegedly owe money to!

I explain who CST Law is in my post and I go into what a debt collection agency can and cannot do! For more information click on the paragraphs below.

How to avoid paying CST Law parking tickets

If you want to avoid paying a CST Law parking ticket then you’ll need an airtight appeal.

The best way to perfect your appeal is getting a little advice from a Solicitor. I’d 100% recommend spending a fiver to get a trial of JustAnswer.

You can explain your situation in their chat and they’ll connect you with a Solicitor who can advise you and give you the best chance to win your appeal.

Click here to get the trial offer with JustAnswer.

Why would CST Law send you a Letter Before Claim?

Maybe you’ve got an unpaid parking charge notice you’ve ignored or forgotten about. If so, CST Law will chase you for the money. In fact, CST Law is part of a debt collection agency known as Credit Style Limited.

It’s also the company’s trading name which is regulated by the Solicitors Regulation Authority (SRA).

CST Law will send you a Letter Before Claim (also known as a Letter Before Action), as a warning you’ll be taken to court.

What rights does CST Law have?

It can be disturbing and stressful when CST Law starts contacting you. So, it’s essential to know your rights and what a debt collector can and cannot do! For instance, you may be worried a debt collector could:

  • Take your belongings?
  • Take you to a small claims court?
  • Harass you?
  • Threaten you?
  • Enter your home?
  • Call you at unearthly hours of the day and night?

All debt collectors must follow the law and certain actions and behaviours are prohibited under UK law.

That said, a debt collector does have specific rights when they’re trying to recover money. But you have rights too! For example, a debt collector can contact you:

  • By phone
  • In-person
  • By post

However, if you write to a debt collector asking them to only contact you by post, they can’t continue to phone you. Moreover, if a debt collector shows up at your door when you asked them not to report them to the FCA (Financial Conduct Authority).

I’ve listed what CST Law doesn’t have the right to do here:

  • Harass you in any way. For instance, a debt collector is prohibited from threatening you, causing you distress or humiliation
  • Contact you at work or during the weekends
  • Threaten you with legal action. For example, threatening to send in the bailiffs
  • Breach of your data privacy
  • Charge you more than it costs them to provide a service or add interest to a debt
  • Tell you lies

What happens when you ignore a CST Law Letter Before Claim?

Ignoring a CST Law Letter Before Claim will not make the problem go away. More often than not, ignoring things just makes matters worse. For example, if you don’t pay and continue to ignore things, the debt collector could:

  • Threaten to pay you a visit at home
  • Report you to a credit reference agency
  • Sue you for non-payment
  • If a court orders you to pay the amount outstanding and you don’t, bailiffs could get involved

Can you beat your ticket?

In many cases tickets aren’t actually enforceable.

It’s a bit sneaky, but you could pay £5 to chat with an online Solicitor.

They’ll give you support in crafting the best appeal possible and give you the best chance of not paying your ticket.

You can try it below. 


Can CST Law take me to court?

Yes. CST Law could take you to court over an unpaid fine when the issuer agrees to start legal proceedings against you. A judge could order you to pay a parking charge and if you don’t, you’d get a CCJ and a visit from enforcement agents (bailiffs).

How long can CST Law chase me for the money?

You could be chased for payment by a debt collector for 6 years. That said, if you make a part payment, the 6-year time period starts from the date of that payment! So, it’s not a good idea to pay a little amount and then not make any further payments.

That said, without a court order for you to pay, the debt can’t be enforced!

CST Law Letter Before Claim. What do people say?

Many people who receive a Letter Before Claim from CST Law are left speechless. As an example, I’ve included one message from a confused person below:

CST Law Letter Before Claim - Do I Ignore or Appeal? 

 Source: https://forums.moneysavingexpert.com/discussion/6378467/letter-before-claim-cst-law-smart-parking-limited

How do you complain about a debt collection agency?

You have several options when it comes to lodging a complaint against CST Law or any other debt collection agency.

I’ve listed a few reasons why you could complain about the debt collector here:

  • The debt is not yours
  • The amount allegedly owed is incorrect
  • You’re being harassed by the debt collector
  • You’re struggling financially but the debt collector refuses to set you a fair and affordable repayment schedule
  • The amount owed is not legally enforceable

Who do you complain to about CST Law?

First, you should file a complaint with the creditor stating that being harassed by a debt collector is unlawful in the UK. You can ask the creditor to get CST Law to stop harassing you. Let them know your preferred way of being contacted and make sure the creditor confirms things in writing to you.

You should get a reply from the creditor within three working days. Although a formal response to your requests may take longer. The creditor also has three working days to report your complaint to the FCA.

I’ve listed the contact details of the Financial Ombudsman here if you want to take the matter further:

  Financial Ombudsman’s Contact Information
Phone Numbers 0800 023 4567
  0330 678 1390
  0300 123 9 123 (Calls to this number cost no more than calls to 01 and 02 numbers.)
  (18002) 020 7964 1000 (Calls using next-generation text relay.)
  ·         020 7964 1000 (Switchboard)
Website ·         Financial Ombudsman 
Twitter ·         FinancialOmbuds
Facebook ·         Financial Ombudsman Services

CST Law Letter Before Claim. What should you do?

You may opt to pay a parking fine when you get a Letter Before Claim from CST Law. On the other hand, you could challenge things. For example, you should check if you owe money before paying anything!

If there’s no court order for you to pay, contact the creditor and discuss things. The one thing you shouldn’t do is ignore an unpaid parking charge if the Letter Before Claim is about one!

It could get more expensive if you do.

I hope the information provided in my post about a CST Law Letter Before Action helps you deal with the situation you’re faced with. The main thing is to remain calm and check you owe the money before you do anything which includes making a payment!

Don’t submit your appeal yet.

The best way to beat a ticket is to get professional advice.

For a £5 trial, you can have Solicitors from JustAnswer look at your case and help make your appeal airtight.

The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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