DEALING WITH FPNS AND PCNS ISSUED BY PCSOS AND CIVIL ENFORCEMENT

From April 2018 the maximum fixed penalty councils can hand out to people dropping litter rises from £80 to £150. The easiest and best way to deal with Fixed penalty notices issued by pcso's and civil enforcement, is not to get fined in the first place. While this might seem simple, it is the best advice.

If they block you or detain you that's ok. Just wait with them. If they let you go or move out of your way, you can try to peacefully walk away again.


Civil Enforcement can only detain you for 30 minutes. You should remember this and keep your eye on the time.

HOW TO HELP YOURSELF

What to do if you have been charged by your bank

IF YOU FEEL YOUR BANK HAS UNFAIRLY CHARGED YOU, YOU SHOULD COMPLAIN AND ASK FOR YOUR MONEY TO BE REFUNDED.

When trying to claim back your charges, you must demonstrate that the bank has caused you financial hardship. This could be demonstrated by leaving you with no money to live, or causing you to borrow in order to meet your basic needs. There are many ways a banks charges can cause hardship. However, your bank is only interested in what you can prove.

When making your claim to your bank, as well as requesting a refund, you should try to offer a solution to your cycle of charges, this will encourage your bank to consider your request more seriously.

HOW TO WRITE YOUR COMPLAINT

Begin by collecting all your bank statements. If you don't have them, you can look back at your account history via your online banking. List all the charges, how much they were, what they were for and the dates they happened. While you're doing this, you should  try to remember what your financial situation was at the time. Also make note of any crisis events you have had, (the loss of a job or benefits for example can easily lead to a cycle of charges and debt).


Before you start writing your letter, you should ask yourself the following questions and have clear answers to them;

- What is unfair about the charges your bank has made?

- How has your bank caused you financial hardship?

- Can you propose a way to stop the charges?

- Are the charges regular?


Once you can answer these questions, you should think about why you are complaining to your bank. 

Do you feel they should have identified you were in hardship and offered help? 

Have the banks charges caused you to remain in your overdraft for longer or have you been charged for an unplanned overdraft which was the result of other charges?


Whatever your reason or reasons for complaining, you need to have a clear figure of how much you think the bank owes you, and you need to have a clear argument demonstrating how the banks charges have affected your life and caused hardship.


In this letter, you will need to fill in your name and address details along with those of your bank. You can find your banks CEO and address details by clicking HERE.

You will also need to add you account number and sort code so your bank can review your account.


In the second paragraph of the letter, you must add the total amount of charges you have paid in the correct space. You also need to add the total amount of charges and interest you have paid.


The third paragraph is your opportunity to make this template personal. You should write about your circumstances, why you are struggling financially and what you believe you can do to avoid charges in the future. 

Use as much space as you need. The more information you can provide to support your request - the more likely you are to succeed.


Type your name at the bottom of your letter and then either send it to your bank via email or post.

You should send your email or letter to the CEO. You can find their details following the link above

WHAT TO DO IF YOUR CLAIM IS REJECTED

If you try to reclaim your charges and get rejected by your bank, don't worry there is still more you can do. From appealing to the bank to contacting the Financial Ombudsman, we can walk you through your next steps.

PACKAGE ACCOUNT FEES

If you feel you have been mis-sold a package account or that the fees are in some way unfair. Use this link below to learn more about reclaiming your package account fees.

FAQ

If I’m getting an on the spot fine, Do I have to give my details?

No. Read our guide for more information. If you are stopped in the street and asked for information, do not give it, wait patiently and walk away calmly when possible. No fines can be issued without details 

I’ve received a fine, can I ignore it?

No. Read the guide above for information on how to deal with this.

QUESTION

Enter your answer to the question here. Make sure the writing is clear and concise, and helps visitors get the support they need in the most efficient way. Consider elaborating with examples or visual aids to ensure all users fully understand the information.

QUESTION

Enter your answer to the question here. Make sure the writing is clear and concise, and helps visitors get the support they need in the most efficient way. Consider elaborating with examples or visual aids to ensure all users fully understand the information.

Download our new App and get notified about all things Beat the Bailiffs and the Banks