Penalty Charge Notices (PCNs) or Excess Charge Notices issued by Transport NI, Department for Infrastructure, or local Councils, and Fixed Penalty Notices issued by the PSNI are official public parking tickets.
PPI is an insurance policy which has typically been sold alongside a loan, credit card, store card, catalogue card, car finance and/or mortgages. It was designed to protect against loss of income, illness or other occurrence that might prevent you from making repayments.
If you buy from a private seller, for example a person selling a sofa on a free ad website or in the local paper, you do not have as much consumer protection.
Estate Agents and Letting Agents have to follow specific laws about about how property being offered for sale or for let is described and what information they must share.