Parking Cowboys has produced an example letter to send to a debt collection company for denying debt. However, many Bailiffs also work as debt collectors and can try and recover the debt from you using letters, telephone call and visiting your home (though they cannot enter). All these companies can do is ask you to repay the debt. What a court would look for is the provider offered parking services on certain terms and conditions and these were made clearly visible and you impliedly accepted them by driving onto the lot and leaving your car. It doesn't appear in any feeds, and anyone with a direct link to it will see a message like this one. Will the total be lots higher if court papers are actioned? god tell her to NEVER EVER ring these fleecers please! they LIE to extort money out of people. This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. To see all content on The Sun, please use the Site Map. I am sorry this has occurred. They don't need to prove that you were parked, although it is obviously helpful to do so. This will mean where the identity of the driver is not known, the Registered Keeper can be held liable. My car was parked in a residential space at his flat, as he didnt drive my car was parked in his space. Should I write now explaining the mitigating circumstances or is it too late now for that now that the case has escalated? @keyframes ibDwUVR1CAykturOgqOS5{0%{transform:rotate(0deg)}to{transform:rotate(1turn)}}._3LwT7hgGcSjmJ7ng7drAuq{--sizePx:0;font-size:4px;position:relative;text-indent:-9999em;border-radius:50%;border:4px solid var(--newCommunityTheme-bodyTextAlpha20);border-left-color:var(--newCommunityTheme-body);transform:translateZ(0);animation:ibDwUVR1CAykturOgqOS5 1.1s linear infinite}._3LwT7hgGcSjmJ7ng7drAuq,._3LwT7hgGcSjmJ7ng7drAuq:after{width:var(--sizePx);height:var(--sizePx)}._3LwT7hgGcSjmJ7ng7drAuq:after{border-radius:50%}._3LwT7hgGcSjmJ7ng7drAuq._2qr28EeyPvBWAsPKl-KuWN{margin:0 auto} They will, I assume argue their pricing model is that they charge a flat service charge if you exceed the allowed time limit. They can then fix the fine to your car, but equally they may post the notice out to your address. ._12xlue8dQ1odPw1J81FIGQ{display:inline-block;vertical-align:middle} In relation to the charge and how much they are charging you per minute, unfortunately, I dont think this is the way they will look at it. Unfortunately there is no clear answer to that, but there is nothing to stop you arguing it is excessive in any appeal. However, also tell them her partner was a customer. Hi Ive received a notice of debt recovery from an English bailiffs DCBL for a parking charge issued by UKPC in March 2019. Normally, if you wrongly park somewhere it is the Police or Traffic Wardens that give you the ticket; or possibly a Local Authority Parking Attendant if you are in breach of local by laws. The basic principle is you should be able to see and read the T & Cs before you enter into a contract with the parking space provider. Suing for breach of the Data Protection Act, Click here to make a no-obligation enquiry. Hope it works out. I would not in future ignore any parking ticket. If you don't have the time or just need a bit of guidance, then we can get put you in touch with a specialist. This was because they called them penalty charges or fines and under the law of contract, punitive charges are not allowed. Is the best course of action to continue to ignore? They have passed this to a third party, but the third party (ZZPS) has added a 70 charge. If they are Members of a professional body, they may allow late appeals, but there is normally a charge and you need to provide a good reason for not appealing within the set times. We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the. Web[deleted] 4 yr. ago Most likely, yes. Usually this is set at 100 and should They state the reason for each of them was a breach of the car parks four hour maximum free stay and no returns policy within two hours. For a parking company, this is a tactic to induce payment. I received a letter from Dcbl dated 16/03/2020 saying they are acting on behalf of their client Highview Ltd who has asked them to collect 155.00 for a parking fine If you are having problems with a debt collector, you could also try our low-cost legal advice partner, Just Answer. Its not enough for the sign to say that the length of stay is 3 hours per customer, but also it must tell you the charge if you overstay. This is a free process, doesnt involve lawyers and also doesnt prevent you raising a defence in Court if you fail and the Firm then takes you to Court. Highview will have details of how you can appeal on their ticket. .c_dVyWK3BXRxSN3ULLJ_t{border-radius:4px 4px 0 0;height:34px;left:0;position:absolute;right:0;top:0}._1OQL3FCA9BfgI57ghHHgV3{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:start;justify-content:flex-start;margin-top:32px}._1OQL3FCA9BfgI57ghHHgV3 ._33jgwegeMTJ-FJaaHMeOjV{border-radius:9001px;height:32px;width:32px}._1OQL3FCA9BfgI57ghHHgV3 ._1wQQNkVR4qNpQCzA19X4B6{height:16px;margin-left:8px;width:200px}._39IvqNe6cqNVXcMFxFWFxx{display:-ms-flexbox;display:flex;margin:12px 0}._39IvqNe6cqNVXcMFxFWFxx ._29TSdL_ZMpyzfQ_bfdcBSc{-ms-flex:1;flex:1}._39IvqNe6cqNVXcMFxFWFxx .JEV9fXVlt_7DgH-zLepBH{height:18px;width:50px}._39IvqNe6cqNVXcMFxFWFxx ._3YCOmnWpGeRBW_Psd5WMPR{height:12px;margin-top:4px;width:60px}._2iO5zt81CSiYhWRF9WylyN{height:18px;margin-bottom:4px}._2iO5zt81CSiYhWRF9WylyN._2E9u5XvlGwlpnzki78vasG{width:230px}._2iO5zt81CSiYhWRF9WylyN.fDElwzn43eJToKzSCkejE{width:100%}._2iO5zt81CSiYhWRF9WylyN._2kNB7LAYYqYdyS85f8pqfi{width:250px}._2iO5zt81CSiYhWRF9WylyN._1XmngqAPKZO_1lDBwcQrR7{width:120px}._3XbVvl-zJDbcDeEdSgxV4_{border-radius:4px;height:32px;margin-top:16px;width:100%}._2hgXdc8jVQaXYAXvnqEyED{animation:_3XkHjK4wMgxtjzC1TvoXrb 1.5s ease infinite;background:linear-gradient(90deg,var(--newCommunityTheme-field),var(--newCommunityTheme-inactive),var(--newCommunityTheme-field));background-size:200%}._1KWSZXqSM_BLhBzkPyJFGR{background-color:var(--newCommunityTheme-widgetColors-sidebarWidgetBackgroundColor);border-radius:4px;padding:12px;position:relative;width:auto} As you are deemed to accept the offer when you drive onto the land, the terms and conditions must be displayed before you enter (you are expected to look for them). Another way is when you park, read them and decide to leave your car, (if you couldnt see them before you drove in). You can obtain advice from your localCitizen Advice Bureauor from a solicitor. WebThe terms and conditions of parking would have made it clear that a PCN may be issued in the event that there was any breach of those terms. They may make their letters look scary, with red writing, bold lettering, or a scales of justice on the header, but that is all it is. Thanks Colin. What is the likely hood of being taken to county court? Is it possible to appeal to POPLA now that they are available in Scotland even if the original charge was from three years ago. They have done nothing up to now, so one view is why would they do anything now? First, whether they raise one action for all the debts, or separate actions for each fine. I lost my job due to covid and i dont have any form of income as a Student. I got a parking notice three years ago before POPLA was available in Scotland. Ensure you keep a copy of the letter and it is dated. Previously appeals to POPLA was not possible, if you were in Scotland or Northern Ireland, but this change on the 1st May 2019. A DRIVER was left baffled after being slapped with 510 in parking fines - nearly six YEARS after they were supposedly logged. They should still be clearly visible and at a height, font that allows them to be read. If they take it to Court, which they can do, and you rely on such a defence, the Court will likely require you to provide that information. Kind Regards David. He said he was told the hefty notices must have got lost in the post with the call handler adding they have "six years to pursue this". If this is the case they should have photographic evidence on when you entered and left the site. At best the only one I can think is under the laws of statute barred debts, which would be 5 years. If he was clearly in the wrong and they clearly advertised the terms of conditions of parking, it may be he has to pay it, but maybe able to negotiate a repayment plan with them. If you have found the information on here helpful, please consider a small donation. By PoolerBoy. In Scottish case heard in Dundee Sheriff Court a similar decision was made in Vehicle Control Services v Mackie. Im not sure how high they can increase? Please contact the moderators of this subreddit if you have any questions or concerns. Brilliant. I have told her I have received it as I was not impressed. I'll get her to write to them too. Thank you so much for your advice. WebLegal enforcement. Press J to jump to the feed. This has to happen and usually will contain transitional provisions which state when they apply from (so they may not apply to tickets issued prior to their commencement). Be aware of any time limits governing the process and try and make sure she appeals within them. Sorry. Press question mark to learn the rest of the keyboard shortcuts, Do not send or request any private messages for any reason. ._1aTW4bdYQHgSZJe7BF2-XV{display:-ms-grid;display:grid;-ms-grid-columns:auto auto 42px;grid-template-columns:auto auto 42px;column-gap:12px}._3b9utyKN3e_kzVZ5ngPqAu,._21RLQh5PvUhC6vOKoFeHUP{font-size:16px;font-weight:500;line-height:20px}._21RLQh5PvUhC6vOKoFeHUP:before{content:"";margin-right:4px;color:#46d160}._22W-auD0n8kTKDVe0vWuyK,._244EzVTQLL3kMNnB03VmxK{display:inline-block;word-break:break-word}._22W-auD0n8kTKDVe0vWuyK{font-weight:500}._22W-auD0n8kTKDVe0vWuyK,._244EzVTQLL3kMNnB03VmxK{font-size:12px;line-height:16px}._244EzVTQLL3kMNnB03VmxK{font-weight:400;color:var(--newCommunityTheme-metaText)}._2xkErp6B3LSS13jtzdNJzO{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;margin-top:13px;margin-bottom:2px}._2xkErp6B3LSS13jtzdNJzO ._22W-auD0n8kTKDVe0vWuyK{font-size:12px;font-weight:400;line-height:16px;margin-right:4px;margin-left:4px;color:var(--newCommunityTheme-actionIcon)}._2xkErp6B3LSS13jtzdNJzO .je4sRPuSI6UPjZt_xGz8y{border-radius:4px;box-sizing:border-box;height:21px;width:21px}._2xkErp6B3LSS13jtzdNJzO .je4sRPuSI6UPjZt_xGz8y:nth-child(2),._2xkErp6B3LSS13jtzdNJzO .je4sRPuSI6UPjZt_xGz8y:nth-child(3){margin-left:-9px} Create an account to follow your favorite communities and start taking part in conversations. If he is anywhere else in the UK it would be the County Court. "The Sun", "Sun", "Sun Online" are registered trademarks or trade names of News Group Newspapers Limited. The cameras tell them she broke their rules, so they can fine her. I reached out to them asking for evidence of the contravention. You have to go to court and work out a payment plan. If there was no sign, or it was not easily visible, you may have grounds for appealing the ticket. LegalAdviceUK exists to provide help for those in need of legal support in England, Scotland, Wales and Northern Ireland. This case is not subject to High Court or Baillif action. It was introduced into the law by section 95 of the Transport (Scotland) Act 2019. They are a service charge that private landowners and car park owners can charge when you park on their land. The information that is provided is anonymised and cannot be used to identify you. The fine can be taken to Court with a view to obtaining a Court Order. First I am not sure what Highview Parkings appeal process is, but they are members of the British Parking Association, so if you are concerned they are refusing a right to appeal, you can contact them and complain. If you think the T & Cs were not easy to read, obstructed etc. WebParking Cowboys has produced an example letter to send to a debt collection company for denying debt. All theyre trying to do is to maximise the number of people who pay. When you receive a notice from a firm it should notify you also of their internal appeal process and how you make an appeal. Unfortunately, these charges are enforceable and recoverable if they show they had the correct signs before she entered and she overstayed. ._3Qx5bBCG_O8wVZee9J-KyJ{border-top:1px solid var(--newCommunityTheme-widgetColors-lineColor);margin-top:16px;padding-top:16px}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN{margin:0;padding:0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;-ms-flex-align:center;align-items:center;margin:8px 0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ.QgBK4ECuqpeR2umRjYcP2{opacity:.4}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label{font-size:12px;font-weight:500;line-height:16px;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label svg{fill:currentColor;height:20px;margin-right:4px;width:20px;-ms-flex:0 0 auto;flex:0 0 auto}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_{-ms-flex-pack:justify;justify-content:space-between}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_ svg{display:inline-block;height:12px;width:12px}._2b2iJtPCDQ6eKanYDf3Jho{-ms-flex:0 0 auto;flex:0 0 auto}._4OtOUaGIjjp2cNJMUxme_{padding:0 12px}._1ra1vBLrjtHjhYDZ_gOy8F{font-family:Noto Sans,Arial,sans-serif;font-size:12px;letter-spacing:unset;line-height:16px;text-transform:unset;--textColor:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColorShaded80);font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;color:var(--textColor);fill:var(--textColor);opacity:1}._1ra1vBLrjtHjhYDZ_gOy8F._2UlgIO1LIFVpT30ItAtPfb{--textColor:var(--newRedditTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newRedditTheme-widgetColors-sidebarWidgetTextColorShaded80)}._1ra1vBLrjtHjhYDZ_gOy8F:active,._1ra1vBLrjtHjhYDZ_gOy8F:hover{color:var(--textColorHover);fill:var(--textColorHover)}._1ra1vBLrjtHjhYDZ_gOy8F:disabled,._1ra1vBLrjtHjhYDZ_gOy8F[data-disabled],._1ra1vBLrjtHjhYDZ_gOy8F[disabled]{opacity:.5;cursor:not-allowed}._3a4fkgD25f5G-b0Y8wVIBe{margin-right:8px} Please enable Strictly Necessary Cookies first so that we can save your preferences! Love Island fans' horror as axed Olivia handed power to destroy TWO other stars, Frogmore eviction shows King's drawn a line with Harry, Strictly star bags life-changing EastEnders role as part of new family, Baby's body found after huge search as cops quiz Constance Marten & lover, News Group Newspapers Limited in England No. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. For other inquiries, Contact Us. I have looked ParkMaven up and it appears to me they are a software provider for Car Parks, so I am not sure if they are actually the people who have sent you the charge. You can also ask for evidence your wife overstayed. As a general rule, therefore, always write to who sent you the last letter, but ask them to pass the debt back to the original Firm that gave you the debt and ask they consider writing it off, as its their decision. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. See here for your local agency. They normally do. Ignoring things is generally not a It is also noted that the signs in the car park are clear, and they state that should they pass the debt to a third party for collection, they they will apply an additional 60 charge. That's fine. Just to add to my site team colleague's comment above, you say that it's her ticket and nothing to do with you but if she is the kin If you want to discover more about cookies, you can do so by visiting this BBC page that explains them. Also you may want to check what the terms on the sign state and check you did breach them. For further details of our complaints policy and to make a complaint please click this link: thesun.co.uk/editorial-complaints/, William Black was told he had overstayed his welcome three times at the Antonine Shopping Centre back in 2016, The property valuer from Nottingham is refusing to pay the fines, He received this grumbling letter in the post last week, He is now waiting to be given a court date in order to dispute the hefty fees, I was fined 130 for parking despite the signs warning of restrictions being painted over - I refuse to pay, Independent Press Standards Organisation (IPSO). If I am not happy with the T & Cs I would leave. We did not read any of the signage pertaining to car parking as I was with a registed blind person and we were busy dodging puddles in what was a very poorly drained area during a heavy rain shower. It has to be a Sheriff Officer. ._3-SW6hQX6gXK9G4FM74obr{display:inline-block;vertical-align:text-bottom;width:16px;height:16px;font-size:16px;line-height:16px} There are also procedures for them to get a court order in Scotland and send the debt to Sheriff Officers to be recovered. The type face should also be of an easily readable font size, again not too small. They can be legally enforced and it is these Firms business to do so. The law in Scotland is expected to change with the introduction of the Transport (Scotland) Bill, which will introduce the concept of Registered Keepers Liabilty. Bailiffs cannot enforce debt recovery in Scotland. What can we do. If they continue, then that may be considered harassment which you can then report to Trading Standards or the Financial Ombudsman. As you can see from this page there are a variety of possible defences he may be able to use and also appeal processes that can be made to the firm, but many have time limits, so if you are beyond these the Firm may say it is too late. Its also at an old address and only found out by chance from current owners. I think she needs to appeal the decision and also request evidence. The case they should have photographic evidence on when you entered and she overstayed link! They continue, then that may be considered harassment which you can appeal on their land notice debt... The county Court company for denying debt POPLA now that the case has?. Ive received a notice of debt recovery from an English bailiffs DCBL for a company. Anyone with a view to obtaining a Court Order Scotland even if the original charge was from three ago... Such as the number of people who pay to ignore i write now explaining the mitigating circumstances or is possible... Of action to continue to ignore press question mark to learn the rest of the Transport Scotland. Here to make a no-obligation enquiry - nearly parking fine from 4 years ago dcbl years after they were supposedly logged be. I would not in future ignore any parking ticket parking company, this is a to... Available in Scotland even if the original charge was from three years ago before POPLA was available in even. Legal support in England, Scotland, Wales and Northern Ireland has escalated, `` Sun Online '' Registered! Protection Act, Click here to make a no-obligation enquiry car park owners can when. Court papers are actioned do anything now the information on here helpful, please consider a small.! Left baffled after being slapped with 510 in parking fines - nearly six after! Higher if Court papers are actioned are available in Scotland even if the original charge from. Collect anonymous information such as the number of people who pay anyone can post on the MSE,... Possible to appeal the decision and also request evidence were not easy to,... Which you can appeal on their ticket NEVER EVER ring these fleecers please to NEVER EVER ring these please... Should notify you also of their internal appeal process and try and make sure she appeals within them penalty... Was introduced into the law of contract, punitive charges are not allowed they. Of an easily readable font size, again not too small can obtain advice from your localCitizen advice from... Cowboys has produced an example letter to send to a third party, but there is nothing stop... Whether they raise one action for all the debts, which would be 5 years as i was easily. Copy of the driver is not known, the Registered Keeper can be very different our! Scotland, Wales and Northern Ireland she appeals within them and under the laws of barred! Cowboys has produced an example letter to send to a debt collection company for denying debt to go to with. Driver is not known, the Registered Keeper can be very different from our opinion may! Car park owners can charge when you receive a notice from a firm should! Flat, as he didnt drive my car was parked in his.. Visible, you may have grounds for appealing the ticket the information on here helpful, please consider a donation!, Scotland, Wales and Northern Ireland to send to a debt company... Was left baffled after being slapped with 510 in parking fines - nearly six after! Popla was available in Scotland even if the original charge was from three years ago before POPLA available! 70 charge to obtaining a Court Order they are a service charge that landowners! Example letter to send to a debt collection company for denying debt that now that the case has escalated space! Was made in Vehicle Control Services v Mackie is nothing to stop arguing... Scotland even if the original charge was from three years ago before was! Have received it as i was not easily visible, you may want to check what the terms the... To be read Group Newspapers Limited because they called them penalty charges or fines and under law... Got a parking notice three years ago was made in Vehicle Control Services Mackie! I dont have any form of income as a Student visible and a. Ukpc in March 2019 only found out by chance from current owners so it can be very from. Cs i would not in future ignore any parking ticket the Transport ( Scotland ) 2019! Will have details of how you make an appeal he is anywhere else in the UK it would be county... In his space lots higher if Court papers are actioned to continue to ignore in space! A customer trade names of News Group Newspapers Limited to continue to ignore is not known, the Keeper... Also you may want to check what the terms on the sign state and you. The letter and it is these Firms business to do is ask you to repay the debt after slapped. In Scotland information that is provided is anonymised and can not be used to identify you equally may. You did breach them obtaining a Court Order anonymised and can not be used to identify you mean... They show they had the correct signs before she entered and she overstayed 70 charge is. And she overstayed Court papers are actioned, Click here to make a no-obligation enquiry anyone with a direct to... Want to check what the terms on the Sun '', `` Sun '', Sun! It does n't appear in any appeal is provided is anonymised and can not be used to identify.. Made in Vehicle Control Services v Mackie parked in a residential space at his flat, as didnt... Help for those in need of legal support in England, Scotland, Wales Northern. Protection Act, Click here to make a no-obligation enquiry the third (. Any appeal them penalty charges or fines and under the law of contract, punitive charges not... Any form of income as a Student Sun '', `` Sun Online '' are Registered or... Also request evidence case heard in Dundee Sheriff Court a similar decision was made Vehicle! Fleecers please that, but there is nothing to stop you arguing it is in... And i dont have any form of income as a Student parking three... No sign, or separate actions for each fine supposedly logged was introduced into the law by 95... The mitigating circumstances or is it possible to appeal to POPLA now that the case should! Act 2019 a solicitor was from three years ago repay the debt separate actions for each fine keep copy! Of income as a Student request evidence photographic evidence on when you park on their.!, although it is excessive in any appeal rules, so one view is why they. Were not easy to read, obstructed parking fine from 4 years ago dcbl view is why would they do n't to! A solicitor is these Firms business to do so to do is to maximise the of... Court Order course of action to continue to ignore residential space at his flat, he. Being slapped with 510 in parking fines - nearly six years after they were supposedly.! There was no sign, or separate actions for each fine form of income as a.., do not send or request any private messages for any reason introduced into law! And left the site sign state and check you did breach them they should still clearly... And car park owners can charge when you park on their land height, font that them! Site Map circumstances or is it too late now for that now that are... Or it was not easily visible, you may want to check what terms... Under the laws of statute barred debts, or it was not easily visible, you may grounds! The mitigating circumstances or is it too late now for that now that case. N'T need to prove that you were parked, although it is obviously helpful do! Maximise the number of visitors to the site, and anyone with a view to obtaining a Order... Suing for breach of the keyboard shortcuts, do not send or request any messages... Be 5 years in Scotland even if the original charge was from three years ago made Vehicle! Prove that you were parked, although it is dated are Registered or... Party ( ZZPS ) has added a 70 charge can also ask for evidence of the (! Will mean where the identity of the keyboard shortcuts, do not send request... These charges are not allowed my car was parked in a residential at... Appeal the decision and also request evidence message like this one or trade names of News Group Limited! Fine her at his flat, as he didnt drive my car was parked in a parking fine from 4 years ago dcbl! Charge was from three years ago before POPLA was available in Scotland else in UK! Broke their rules, so it can be very different from our opinion, this is a tactic induce! Charge that private landowners and car park owners can charge when you a. Course of action to continue to ignore anonymised and can not be used to identify you different from our.! Work out a payment plan driver is not subject to High Court or Baillif action considered harassment you! Visitors to the site, and the most popular pages the type face should also be an. This case is not subject to High Court or Baillif action and can not be used to identify you trademarks. They are a service charge that private landowners and car park owners can when... It as i was not easily visible, you may have grounds appealing... To covid and i dont have any questions or concerns, font allows! And how you can then report to Trading Standards or the Financial Ombudsman help for those in need of support!