Depressed Dad
Established Member
Hi @TCB1989 - I had a breakdown, it was an older car that was written off so it's essentially vehicle damage and excess. The case was later dismissed so of course never had any fines or bans to contend with.
I've just had a big outlay so don't have a spare £2k sitting around right now, so am hoping it doesn't actually go any further.
If you think there's any mileage in it you can challenge the £2k.
It's a relatively small amount so probably not much to reduce it by.
If you want it to go away and avoid the stress then negotiate a payment plan. Offer them an amount that you wouldn't really miss each month, as low as you like. Decide if you are prepared to provide them with your financial data when they ask. You are not obliged to share it if you don't want to.
Alternatively, you can drag it out, plead poverty and any other mitigating reasons and see if they really have the appetite to start court proceedings. Even then you can settle before it goes before a judge. Probably not enough for you to challenge them on in court though.