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    • I've read loads of old messages about what to do but feel my case is different, it's a bit of a back story so ill break it down. - Had a letter from an Italian province in July of 2020 for a speeding offence in 2019 for 575 euros, was in a hire car I used for work, no longer work for them and heard nothing from either. - Thought blimey, but went to pay it anyway, it had doubled to over 1100 euros, yeah I can't afford paying that, filled out the attached information sheet to say it was me driving but I have no money or job due to COVID (true story) and sent it back (durrrr) - Heard nothing until December of 2023, a letter from an appointed solicitor from Florence saying if I don't pay, we will chase you through the legal system with costs beared to you. - May of this year, I get a letter from CLI (Credit Limits International) basically saying they have been appointed to carry out the collection, £1475. - Stupidly, I started the 'three letter process' asking for proof etc, and they replied a few days ago with a copy of the fines I had received from Italy, they stated the debt has no terms and conditions as it relates to a fine in Italy and the debt is not subject to the Consumer Credit agreement. I translate that to "at the moment we don't own the debt and have been given authority from Italy to pursue the debt". That is where I am currently at, I would begrudge giving in and paying an obscene amount. As seen from similar threads, I know a threat of a visit is coming, followed by a threat of court action, but annoyingly it hasn't been mentioned how these cases were concluded and the threads are now locked. I've read to ignore them, but can't help but feel that because it's such a substantial amount that they will feel it's worthy of pursuing this no matter the hoops they have to jump through. Along with admitting it was me driving and opening the can of worms by contacting the DCA, it wouldn't look good for me should it ever get to a courtroom.  Has anyone with previous experience managed to 'get away with it'? Anyone know what they're capable of other than nagging me? I'm not after any moral judgment.
    • take the SD card out and put on a pc/laptop then run recuva on it in  select videos only option select specific location hit browse then select drive letter of the SD card. then next  then deep scan then go have a cup of tea..  when done dont recover the all files back to the card select a new folder on your pc/laptop        
    • hi all, i will list my curmcumstance first then list the details of the penalty charge - we are 2 diabled people being affected by the cost of living crisis and are skint etc. i am disabled with mobility issues(arthritis in knees and ankles and gout) and cant operate car pedals anymore so i let a friend up the road use my car in exchange for her driving me about. its a good arrangement as i get a 'chauffer' and she gets the use of car. the car is parked in her drive which is better as i was refused a disabled space (even on appeal) and too much congestion to park the car outside my house. my friend is vulnerable as she has suffered depression and suicidal thoughts since the loss of her mother a few years back, she is dyslexic, she is a carer for one of her sons that is disabled due to mental illness and mobility. she lives in a council house and cannot work. we went to iceland ..attracted by the 10items for £10 offer - we've never been there before. a large artic lorry was parked accross the car park blocking the view of one of the parking signs and blocking the disabled bays where the pay&display machine is. by the time she helped me out of the car and then went to see if it was pay&display then came back to me at the car she said she thinks it was pay even for disabled, so we looked for change in the car which we didnt have (she normally goes asda which dont need to pay for parking)so then we said we'd either go get change or go to asda...so then by the time it took her to help me back in and get out the car park took 15 minutes...5 minutes overstay past the 10minutes grace. the letter from excel parking came through and i sent it back giving her name as driver (before i saw on here that you shouldnt name the driver) then i appealed explaining what happened (lorry blocking etc) and even said we were being descriminated (advised by citizen advice)as we are disabled and 15minutes is not long enough for a crippled disabled man and a woman with dyslexia to read and understandd the sign and get out, then back in the car and look for change then get out the car park in 15minutes. i even explained she was a vulnerable person on anti-depressants and even sent a photo of medication and said if you need a doctors note then let me know....the appeal was rejected. i've emailed iceland over 50 times and they just wont tell excel to cancel this charge - they are ignorant and ive even asked them why they have a webpage saying 'iceland combatting the cost of living crisis' pretending to help their customers and they wont comment...they'd rather put more stress and anxiety on an already suicidal vulnerable person just to get money out of them..so their 'help' during this crisis is a lie as it wont even extend to disabled customers. she has now received 2 letters from DCBL saying she owes £170 for 5minutes of overstay. the last one is a final demand. as she cant read or write very well ive sent a recorded letter to DCBL (as advised by citizen advice) asking not to attend the property due to a vulnerable woman inside the property as it will only exasperate the situation, they have ignored it and basically said we dont care, you still owe. could anyone please advise - we are not very good with letters or these situations and are slow on the uptake.   1 The date of infringement? 28th dec 2023   2 Have you yet appealed to the parking company yet? [Y/N?] yes   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]cant do that - will have to get my son to do it when he visits   Has there been a response? yes   Please AS A PDF FILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]cant do that - will have to get my son to do it when he visits   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] yes   What date is on it? 15th january 2024   Did the NTK provide photographic evidence? yes   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'scant do that - will have to get my son to do it when he visits   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] not on the front - maybe on the back but cannot find the letter now   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] yes   5 Who is the parking company? excel   6. Where exactly [Carpark name and town] did you park? gravesend in iceland    
    • Hi Dave, I had no updates on this PCN since my last post in July 2019.  I received no further communications from the parking company.  I changed my address in May 2022. Thanks, I will send a letter to Excel parking to inform about the change in the address. 
    • I have a BMW Advanced Car Eye 3 Pro - I think it's 50/50  In any case, none of the documents / photos sent in the SAR showed a ticket on the car. 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Debt following death.


nuthatch
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Hi NH

 

Sometimes it never rains but it pours.

 

Hope your mum is ok.You concentrate on getting her well - you might be suprised how quickly she mends.

 

When you are at the hospital just think about all those folk in there who would gladly swap places with any of us if all they had to worry about was money!;)

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Hi NH

 

You concentrate on getting your mum and yourself better.

 

you will find the strength over time to deal with all this and as a result you will get there failing that you can always as for help from the likes of the CAB.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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"Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made."

 

They rely on computers and quite frankly should not be in charge of anybody's money. Fit to hold a consumer credit licence? They are not fit to run a garden party.

Edited by overdone
typos

If my post helped you feel better, click my scales.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

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if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

 

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

 

 

....and that's why their shares are now FREE with every box of Kellogs Cornflakes.:-D

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lol Chancellor.

 

Do they come on frosties as i dont like cornflakes?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose :mad:

More to the point, did it have a valid CCA. An enforceable agreement?

If my post helped you feel better, click my scales.

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More to the point, did it have a valid CCA. An enforceable agreement?

:lol:

 

Just to update this thread.

 

Since writing back to 3 of DH's creditors asking them to provide proof of the debt, I have had no communication at all.

My biggest pain at the moment is the Inland Revenue.

I had to fill a Self Assessment Form in on behalf of my husband and I have had it returned twice.

I have spoken to the relevant Tax Office twice for advice but I must really be thick because I still had problems.

Last year we used an Accountant as there was Capital Gains to work out and the accounts from my husband's failed business but it cost an arm and a leg so I said I would do it myself because he left no money.

 

Amongst other things the form asked for how much he made in tips from his job as a cook. I know this is a required bit of information but how on earth am I expected to know that:confused: When I asked the office that question she asked if DH kept a note book somewhere with the details in.

I told her I had no idea as it was his own private affair and, given that his total income between April 07 and when he died in June 08 was about £10000 (including Pensions) I shouldn't think it was much as he was only working 10 hours a week .

 

I think this should be a lesson to everyone to keep your money under the mattress so all your (trusted) relatives know where it is and can do what they want with it :rolleyes:

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Typical IR behaviour, they love these self assessment forms, as you say how on earth would you know how much he got in tips! They kept sending me penalty notices going up a £100 a time even though they said that my OH and I didn't have to self assessment forms in anymore, so I copied their letters and sent them to my MP. I was impressed at the speed of the reply and the fact they have passed my complaint on to the appropriate dept. They have "kindly" suspended the penalties for the present, this is the second time, last time they sent an amended penalty notice saying we owed nothing:-?

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I have, today received an unbelievable letter from EGG.

I sent them a copy of all my late husband's credit card statements showing his liabilities. I also sent them a copy of his final building society statement.And the letter from Lloyds TSB saying the debt is written off.

I have now received a letter asking me to fill in a form providing them with all this information again.

I am shaking like a leaf.

They have still not provided proof of this debt as requested.

Is there someone important I can write to at EGG to tell them what they are doing to me?

I have provided all this information before...admittedly on a form of my own design and not their own.But as I knew I would have to send it to a few people I thought it would save me time filling in yet another form.

How many times do they need to know that he had no assets? No house. No stocks and shares. No Life insurance.No car.

 

Having calmed down a bit I have just realised the letter is in reply to a letter I sent in Sept and not in reply to one I then sent 2 weeks later with all my late husband's financial info included.

To say I am mad is not even near how I feel at the moment :mad:

I have copied the letter just received together with the proof of delivery and the Recorded Delivery receipt for the letter I sent with all DH's information and enclosed them in their envelope and I will be sending it back tomorrow.

 

I feel like writing to Egg's Chief Exec and asking if these people from "The Executor Support Team" can actually understand English.

Although, looking at the origin of the names signed at the bottom of the letters, possibly not.

And I don't care whether that is PC or not.

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Oh thank you TheChancellor. I think I am so calm about things and then a stupid stupid CC company can blow my resolve out of the window.

In the scheme of things, they are way at the bottom of my priorities. I think it just brings it all back that my husband would not have spent his last years worrying about debt if these people had been more human.

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

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I would write a brief letter stating

 

"I already have provided you with the information you demand & I will not be responding to you again"

 

"I would remind you that I have recently lost my husband & whilst all other creditors have been sympathetic you have not, as a result you are making a distressing situation much worse"

Well put, J.C.

If my post helped you feel better, click my scales.

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well it all seems good. just need to sit and wait now to see what they say.

 

Yes i know its not fun but trust me u will get use to it and will find plenty of things to do with your time.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Letter from Egg today to say they have received the information about my husband's estate :rolleyes: and the contents have been noted.

The file is now in the hands of the Management Team....whoever they might be.

 

Told you it would reach them eventually NH.The "Management Team" are the ones on the next desk who can do joined-up writing.

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Even if they can read it will be an improvement :rolleyes:

 

And the ability to do basic maths (when they realise that X number of creditors into £300 isn't worth the time and effort chasing it up) would deserve a round of applause :)

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well lets just hope they are nice and agree to put it to zero balance.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Oh bum. This is getting so annoying.

Have had a letter about DH's debt to L********ds. It is less than £400 and if they got a pro rata share of his "estate" they would get about 25p.

 

I sent copies of all DH's CC statements, final 3 months bank account statement and copy of all funeral receipts and now they say they are passing the account to Phillips-Cohen Associates who will "assist me with closing the account."

Mind, it also says they are enclosing a helpful brochure offering useful info about the probate process. No brochure enclosed and I have already told them that I did not need probate as estate was worth zilch.

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Wonderful bunch from what i remember

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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