If you are to be successful with an appeal, and I mean an appeal to London Tribunals, you do need to firm-up your case for loading, because the CEO saw no loading activity, but clearly there was such activity. In cases like this, some collateral, like weight of the goods and maybe a photo of them. If you can assemble this, then you have a much stronger case to take to LT. The alternative is you pay-up now to get the discount. The whole system is designed to encourage early payment, so the 50% discount is offered. Basically, if you feel hard done by, you have to stand your ground and forego the discount option. Needless to say, not a lot of PCN recipients do this, because most people kn ow very little about the legal process and think they have to pay huge sums if they lose which, of course, is totally wrong. The maximum financial exposure is the full PCN penalty.