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Credit Style hold a consumer credit license, regulated by the Financial Conduct Authority, for agreements formed under the Consumer Credit Act. We are also authorised and regulated by the Solicitors Regulation Authority with regards to the conduct of litigation services conducted by CST Law. We are members of the Civil Court Users Association and the Credit Services Association and have adopted their code of practice to set the minimum standards we work to achieve and maintain.

You can find all our legal charges here.

You can find our payment options here.

We understand that some people may not be in a position to make the payment straight away. With this in mind, we have a team of trained advisors who are able to discuss your payment options with you, including payment by instalments. If you wish to arrange a payment plan, please Contact Us.

You can find all the information we have about the charge on the letter you have received from us, or if you need more information, Contact Us.

Please contact us to discuss your options for a payment plan. If you pay part of the debt without discussing it with us, we will continue recovery action until the full balance has been cleared.

Please make payment to us directly so that we can close your case promptly and halt any action we are taking to resolve the balance.

Your credit rating may have been impacted upon default, which will have been registered by our client before referring your case to us. Once we have your case, your credit rating will be impacted again if a judgment is entered against you, unless you make payment within the required timescales.

Creditors can choose to take different actions. They may:

- Send your case to another enforcement business or debt resolution company.
- Take legal action, including starting insolvency proceedings against you.
- Enforce the debt through visits to your property.

Yes, if we have permission from the court. This procedure is called an Attachment of Earnings, and some clients may ask us to organise this on their behalf.

Please let us know that you have received a letter to your address by completing the contact form, and informing us you are not the named person or business, so that we can update our records.

We have been given your information by our client because you have an outstanding balance with them. When we are instructed to recover a debt, we will write to the address provided by our client. If we don’t receive a response, we will use a tracing company to find your most up-to-date address and/or alternative contact details.

In parking cases, the creditor has most likely requested and been supplied with your personal data from the DVLA. You can read more about how and why the DVLA can lawfully share your personal data from this link. They may also have received your personal data from the registered keeper of the vehicle, either by naming the driver on the date of the parking contravention or appealing the parking charge. A vehicle hire or lease company may also provide the details of the person who was driving the vehicle at the time of the contravention.

We don’t rely upon or require your consent to process your data for the purposes of recovering a debt or unpaid parking charge. The lawful basis for processing within the GDPR Regulations is our (and our clients') legitimate interest to process your personal data in order to pursue resolution of your case. You can read our Data Privacy Notice here.

If you do not pay your debt, the creditor has the right to take court action against you for up to 6 years (5 years in Scotland).

A County Court Judgment (CCJ) is a type of court order in England, Wales, and Northern Ireland that might be registered against you if you fail to repay money you owe. In Scotland, this is called a Decree. It is legally binding and if you do not deal with it in some way, then you risk having your property or other assets legally seized.

If you are taken to court and it is ruled the debt was correctly issued, a County Court Judgment (CCJ) will be issued to you in England and Wales or a Decree in Scotland.

If you still fail to settle the matter, the creditors have several options to continue recovery:

County Court Bailiffs / High Court Enforcement Officers / Sheriff Officers (in Scotland)
Depending on the circumstances, these agents can be instructed to attend your property to seek payment of the CCJ/Decree.

Attachment of Earnings Orders
This instructs your employer to stop money from your wages to pay back your debt. Your employer will send the payments directly to the court and the court will send the money to the creditor

Charging Orders
A charging order secures a debt you have against your property. This means if you sell or re-mortgage your home before the debt is cleared, the charging order will be paid off from the proceeds.

Third Party Debt Orders
This is a method of legally enforcing a CCJ by obtaining payment from a third party that owes money to you.

Please return the Claim Form to the court who will send a copy to CST Law.

We process all our cases on the day we receive them from our client, and letters are usually sent within 48 hours of receiving the case. We send all our letters via Royal Mail, and so delivery times may be different depending on the postal service in your area.

We’re continually striving to improve our service, and we welcome your feedback. You can make a complaint or provide feedback via any of the communication channels listed on the Contact Us page, or email us at complaints@creditstyle.co.uk. You can read our full Complaints policy here.

You can make a SAR via any of the communication channels listed on the Contact Page. To process your request, we have to be confident that we are communicating with the correct person, so we may ask you to provide proof of identity. You will not be asked to pay a fee for making a subject access request.

We will let you know if you need to provide proof of identity. Normally we will request one photographic proof, for example a copy of your passport or driving licence, plus one proof of address, for example a copy of a bank statement, utility bill or TV licence. You do not need to have copies certified as true copies.

Once we receive your SAR (and any proof of identity we request), we will gather your data and send it to you within one month. We will also let you know if we are unable to find any information about you in our records. If we can't provide a response within one month, we will contact you to explain why and tell you when you can expect a response. We will usually send your SAR response via email, unless you request a response via post. We can only send responses directly to the person who requested the information.

To make a request on behalf of another person, you will need to provide the data subject’s consent in writing and two forms of identification.

You can find more information about your data rights and making a subject access request by visiting the Information Commissioner's Office website.

We recommend you contact a professional debt advice provider, and we've provided some suggestions below. Please note you should never need to pay for debt advice, there are lots of free services available, including the ones listed here:

For in-person advice:
Find your local Citizens' Advice branch

For telephone advice:
Call National Debtline on 0808 808 4000

For online advice:
Visit StepChange

If you need to talk to someone, call Samaritans on 116 123
If you prefer not to talk, text "Shout" to 85258

We know dealing with debt can be difficult. We would like to talk to you to understand your circumstances so that we can support you to resolve your debt.

A parking charge is made when a vehicle has been parked in breach of the terms and conditions of parking on a private car park or privately controlled site. A parking charge can be issued for several different reasons. You can find the reason for the parking charge on the letter you have received.

Yes. Private parking charges are legal and enforceable, and this has been demonstrated in the Supreme Court. The Protection of Freedoms Act 2012 has also established that it is possible to enforce parking charges against registered keepers of vehicles regardless of whether they were driving the vehicle or not. The enforceability of parking charges in Scotland has also been clearly established in previous cases.

You may be able to transfer the liability for the charge to the driver, however this will depend on whether the charge was issued under the Protection of Freedoms Act 2012. If your charge was issued under this act, you were required to notify the parking company of the driver's details within 28 days of the Notice to Keeper being sent. Therefore we will not be able to make that change now. If your parking charge was not issued under this act, we may be able to transfer the liability if you Contact Us.

For a charge to be compliant with the Protection of Freedoms Act 2012, you must have received a Notice to Keeper within 14 days of the contravention which includes:

The original parking charge and any communication from the parking company provided details of the appeal process. Unfortunately, now that the outstanding PCN is at the debt recovery stage, you have missed the opportunity to appeal.

No. The terms and conditions of the parking site will detail whether there are any exemptions for disabled motorists. Please check your disabled badge manual for more information.