Launching soon — 2,000+ on the waitlist
Stop overpaying for simple parking mistakes.
Settlfines automatically disputes Council and private parking fines on your behalf — using the same legal arguments traffic lawyers charge hundreds for.
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2,000+ drivers waiting to save on PCN fees
8.5M parking fines issued in London annually
Traffic Management Act 2004 statutory protections
BPA Code of Practice mandatory reductions
28-day council service rule — automatic win if breached
Direct portal injection — proof of receipt guaranteed
No win, no fee model
8.5M parking fines issued in London annually
Traffic Management Act 2004 statutory protections
BPA Code of Practice mandatory reductions
28-day council service rule — automatic win if breached
Direct portal injection — proof of receipt guaranteed
No win, no fee model
35%
of all disputed PCNs are cancelled or reduced on first appeal
8.5M
PCNs issued in London alone per year
15%
of fines paid late due to process friction
How it works
From ticket to dispute in under 3 minutes.
Settlfines handles the legal complexity so you don't have to. Snap, select, and submit — we do the rest.
1
Snap or upload your ticket
Our OCR engine extracts all key data from your PCN — authority, date, reference number, and contravention code — with 99.9%+ accuracy.
2
We detect your strongest defence
Automatic checks for statutory violations (28-day rule), 14-day discount windows, and the best legal ground for your situation.
3
Review, approve, and we submit
We draft a formal legal representation. You approve it. We inject it directly into the council's portal with a receipt reference for proof.
Win probability
94% ↑
PCN Reference
CAM-2024-39182
Features
Built for legal precision, designed for anyone.
Every feature is engineered around real UK parking law — not generic templates.
28-Day Kill Switch
Automatically detects if the council breached the statutory 28-day service rule — an instant, irrefutable win under the Traffic Management Act 2004.
Legal Representation Engine
Our dispute system analyses your case against proven statutory grounds, then drafts a formal legal representation, the same arguments traffic solicitors charge hundreds to produce.
Valid Grounds Lock
Forces selection from legally-recognised grounds only. No weak free-text excuses. Every appeal is built on a real statutory or contractual defence.
Direct Portal Injection
Submits directly to council portals via Playwright bots, not email. 5 master blueprints cover 150+ councils across Taranto, Imperial, Civica and NSL systems.
Liability Protection
Strict separation of "Pay" and "Dispute" flows prevents accidental liability admission on private tickets. Red friction gates warn before irreversible actions.
Open Banking Pay
Atoa open banking integration for secure payments — no raw card data stored, PCI DSS-free, instant confirmation when you choose to pay.
Legal Protections
The law is on your side. We make sure you use it.
Most drivers pay fines they could legally challenge. Settlfines surfaces statutory protections that traffic lawyers charge hundreds to identify.
✓
Procedural Impropriety — Automatic Win
Council served your PCN more than 28 days after the contravention? That's a legal breach. Case dismissed.
✓
14-Day Risk-Free Window
We calculate exactly how long you have to pay at the discounted rate before the full amount applies — and warn you before you lose it.
✓
Appeals Charter — £20 Settlement Cap
Private operators under BPA Code of Practice are legally required to cap certain cases at £20. We enforce this automatically.
✓
Traffic Penalty Tribunal Escalation
Every representation includes a formal statement that rejection will be referred to the Traffic Penalty Tribunal as a procedural impropriety — a legally significant position that councils and operators take seriously.
// Settlfines Statutory Check Engine
// PCN: CAM-2024-39182
date_contravention: "14 Feb 2024"
date_service: "18 Mar 2024"
days_difference: 33
// CHECK A: 28-day service rule
statutory_limit: 28
breach_detected: TRUE ⚡
// RESULT
→ AUTOMATIC WIN
grounds: "Procedural Impropriety"
act_cited: "TMA 2004, s.66"
action: "Draft & submit representation"
Fine £130 → £0 ✓
Two ticket types
Council or private — we handle both.
Different legal frameworks, different strategies. Settlfines knows the difference and acts accordingly.
Council & TfL PCNs
Public Highway Tickets
Issued under the Traffic Management Act 2004. Strongest statutory protections apply — including automatic wins for procedural breaches.
- ✓28-day service rule check
- ✓Golden grounds: Loading, Breakdown, Medical
- ✓Direct portal submission to 100+ councils
- ✓TPT escalation language included
- ✓14-day discount window tracking
Private Parking Operators
Private Land Charges
Issued by operators like ParkingEye under BPA Code of Practice. Contract law governs — and the Appeals Charter mandates specific outcomes.
- ✓Payment liability intercept warning
- ✓£20 mandatory settlement enforcement
- ✓ParkingEye, Euro Car Park, APCOA blueprints
- ✓AI agents for long-tail operators
- ✓POPLA/IAS escalation ready
Your next fine appeal is winnable.
Join the waitlist and be first to access Settlfines when we launch. Starting with Westminster, Camden, Tower Hamlets, and Dartford.
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