Thanks Missan I'm being unfairly asked by csn to repay all my loans even before i've finished my studies because they're saying that i wasn't studying full-time for one of my semesters. I told csn i would pay it back in instalments, they said no and gave me one month to pay everything back! So not much point in calling them again i think. I got some legal advice and the lawyer said if Intrum Justitia do try to take legal action they would have to apply for change of jurisdiction first and that is a really lengthy and expensive process so they probably won't bother and even if they got change of jurisdiction the courts here would only order me to pay what i can afford in instalments which is what i've already offered them anyway! I would really like to know whether legal action has been taken in any of these csn cases. I looked up European Enforcement Orders on wiki and it seems esmerobbo is right, they would have to take me to court in Sweden first (which is fine with me) so it seems they only use Intrum Justitia as bullies to save them having to go to court.

Hi Wotsits80, I am now in a similar situation although I haven't had a Holohan letter yet, just one letter from Intrum Justitia, what happened in your case? Best wishes

That's what i thought, reassuring to hear you say so too though!

Great thanks! Haven't understood the difference between keeper and owner but will follow your advice and do nothing. i really don't want my dad to have to go through the ordeal of a court appearance though....

oh ok, didn't realise that. Was thinking about getting our solicitor to reply in the case of a letter from theirs but then i thought our solicitor would probably charge us the same for a letter as the original £40 fine. Ok, will come back to you if we get a solicitor's letter from them.

okey dokey, will follow your advice, especially about revealing his condition, thanks for that! If we get a solicitor's letter i suppose we'll have to reply though, so i'll just say he is the owner but cannot drive the vehicle as he has no licence and he doesn't know who was driving.

Wow, thanks for the really quick replies guys!! i remember reading somewhere amongst all the other threads that the owner of the vehicle cannot be held liable on private carparks and that when Excel write in their letters "you are liable as owner of the vehicle" that this is a lie, but i can't find that post anymore, could you possibly give me some tips on where to find the exact legal regulations on this? Also, i read something in the letter templates thread about behaving reasonably. The debt collector's are saying "If we do not hear from you within 7 days we will pass the matter to our solicitors, who will review your case for potential legal action". It therefore seems a bit unreasonable not to reply... Would it not be reasonable to reply saying that my father was not the driver, is mentally incapacitated, cannot drive and does not know who was driving? Thanks again!

Hello i have followed your advice about ignoring letters from Excel but now we have received a letter from a debt collecting company saying that in the "absence of payment or any valid dispute" they will "pursue the matter". The letters are all addressed to my father who is the owner of the vehicle but is not allowed to drive because he is classed as mentally disabled after a motorbike accident. Several people are therefore on his insurance policy to drive him around. Can we argue that he does not know/remember who was driving the vehicle and as a mentally disabled person he cannot be liable? Many thanks