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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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Goods not recived via private internet purchase?


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Hi guys,

I bought a car cover for £130 off a guy on a car website in april, and it still hasn't been delivered. It was a private one-off sale, and I paid by direct bank transfer as I trusted the guy :-x... Now he has said royal mail have lost it, blah blah blah, but he did not insure it so cannot claim the money back. Ever since I have been fobbed off with lame excuse after lame excuse.

 

I called the police as it has been 4 months now, they paid him a visit on the grounds of obtaining money by decepiton, but he has convinced them that he admits he owes me £130, and it is all in hand.

 

I am loosing patience now, as I have been messed around for too long, is small claims court the way forward, as the guy is claiming he is off work due to a bike accident, so only has £60 a week. He lives with his parents, so even if I win in court could the baliffs legally enter the property to recover the debt?

 

Any advice would be great, I was going to follow the bank charges model, send him 2 letters then file on moneyclaim online, would this be acceptable? Also can I claim the interest on the initial £130 and the cost of all the phonecalls etc?

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Yes - if you've already sent several requests for a refund then simply send him a final LBA, give him 14 days, then submit a claim.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi,

Did you ask him to get the postal insurance?

Does he have proof of posting?

 

If he is on benefits you are going to get very little from him if you take court action and win.

The bailiffs can only enter his property if he doesn't pay what the court orders and if he lets them in. If he doesn't answer the door to the bailiffs they will eventually give up. If he doesn't let them in they can't force there way in. As its his parents home I imagine he will say everything belongs to them so I don't think bailiffs would be very successful in this set up.

I hope I don't sound like I'm on the guys side I'm not.

This is the problem with buying off the net, you have to be so careful.

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If you didn't ask him to insure the parcel, you can only claim compensation up to the maximum allowed by Royal Mail, which is a lot less than £130. From the Royal Mail site:

"This compensation is subject to the maximum payable being the lower of the market value of the item and statutory maximum of 100 x 1st Class stamps at the first weight step."

 

In order to do that, you will need proof of posting which he should provide. If he can't provide this, then he should compensate you as there is no way of telling the item was ever sent!

 

If he does give you proof of posting, then I'm afraid you don't have a case against him. You'll have to get compensation from Royal Mail. It's not too late, you have 12 months from the date of posting.

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If you didn't ask him to insure the parcel,

 

In order to do that, you will need proof of posting which he should provide. If he can't provide this, then he should compensate you as there is no way of telling the item was ever sent!

 

If he does give you proof of posting, then I'm afraid you don't have a case against him. You'll have to get compensation from Royal Mail. It's not too late, you have 12 months from the date of posting.

 

Exactly, You are spot on.

thats why I asked the OP if they had asked for an insured delivery and if the seller had proof of posting.!!

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Hi guys,

 

 

I called the police as it has been 4 months now, they paid him a visit on the grounds of obtaining money by decepiton, but he has convinced them that he admits he owes me £130, and it is all in hand.

 

you were lucky the police went round to visit the guy, surely they must have asked to see the proof of posting.

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Guest joe.inom

you know what , it aint the fault for the sellers.

Cause you know what , i have orderd a Shoe pair from eBay , and they took it to deliver here in florida after a month .

I have sent them millions and millions of letters , emails and i almost murderd the bank manager on the phone.

Then almost at the month end of the order , the guy comes in with the delivery report and gives a ltter.

the letter says that they are already busy with millions such orders , when my number came in , i got my delivery.

This is the case with you too.

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OP, if he has no money, I think the best you could get out of him is a very small sum each week, unless his parents do the decent thing and pay you back.

 

Until the OP actually says that the seller has NOT got any proof that he actually sent the item then no one knows for sure that he didn't.

 

The OP said "The guy is off work at the moment." which would make one presume that the guy is an adult, over sixteen at least.

Why would the guys parents have to do the Decent thing, and pay him back.

No one has any way of knowing if the parents knew anything about this.

Once children are over sixteen, the parents are not responsible for their actions.

If the seller was a child then I would agree. I think it can be gleaned from the OP that the seller is an adult. So I don't see that the parents should even be bought into the picture.

 

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  • 1 month later...

Still not had any joy with this, whats the maximum sentance for GBH? :mad::mad:... Incidently, the bank (HSBC) say they cannot do anything as the payment was made by myself, even though the guy is a fraudster, they refuse to help!

 

Also, Can I claim 8% interest on this if I go through the small claims court?

Edited by will_cosworth
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You still haven't said if the guy has proof of posting or not.!

Quote:

Originally Posted by Will_cosworth. viewpost.gif

Still not had any joy with this, whats the maximum sentance for GBH? :evil::evil:...

 

You might just land yourself in alot of trouble with that attitude,

I don't think a court case is worth bothering with. As the guy you are after is unemployed you are likely to get a pound a month out of him, if your claim is successful.

I think that kind of outcome would wind you up and make you feel worse than you do now.

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A couple of things:

 

1) Even if the sender had proof of posting, it is still his responsability. Whether he can claim off RM or not is not the OP's issue. OP entitled to get full refund for item non received.

 

2) Maybe the guy can pay, maybe he can't. There's no way to ascertain that and it's amazing the number of people who DO find they can pay up after all when faced with the possibility of a CCJ. There is the risk that OP might not recover his money + court fee, but the alternative is kiss goodbye to £130 without a fight. If it were me, I'd spend the money on the court fee and go for it. At worse, I'd lose £30 (£35 now?) and not get my money back, at best, I'd get it all back + interest.

 

If you do decide to go to court, yes, you can add 8% statutory interest (and your court fee on top). You can also claim "reasonable" costs for dealing with the case, at £9.25 an hour, but don't be greedy and over-inflate your costs, that does nothing for your credibility.

 

Yes, there is the risk that the guy will come out with a £1 a week judgment... IF he can convince the judge that that is all he can afford... But you know what? As far as I am concerned, it's always worth doing anyway if only for the moral victory, knowing that maybe he screwed you out of £130, but his credit rating is b*ggered for the next 6 years.

 

In the end, though, it has to be your decision, and no-one else's. ;-)

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I agree with Bookie on this wholly - not sure why it is assumed that it is the OPs issue if the compensation from RM is inadequate - the seller had a responsibility to ensure the goods were delivered and this includes adequate insurance on the item.

 

In addition, again agree with Bookie that to say it is pointless following a claim is just not true, certainly on the information we have. Baliffs are not the only form of enforcement of a CCJ(indeed, they are the worst IMO), and a garnishee order or AoE would probably work wonders in this case.

 

Good luck OP ;)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hi Bookworm,

Every thing I sell on line is covered by the royal mail comp which is free when I obtain a proof of posting certificate, I think it covers up to £36. roughly,I always obtain POP when I send an item I've sold.

If the item sold is worth more I give the buyer the opportunity to pay insurance.

Buyers usually wish to pay the insurance.

Are you saying that if the buyer chooses not to pay for the insurance and lets say the item is worth £100. and royal mail looses it then its up to me to refund the buyer in full?

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But the seller didn't offer insurance in this instance, did he? Seller didn't insure goods, didn't offer to buyer to add insurance to purchase, so yes, it is totally 100% his liability and responsability to reimburse buyer. Furthermore, even if buyer were to want to pursue the matter himself (for reasons best known to himself), he couldn't as he doesn't have a contract with RM, the seller does.

 

Edit: As far as you are concerned, if you are charging your customers (not businesses, that's a different matter) insurance, you are in breach of the CPUT Regs 08:

If you are selling to a consumer, you are responsible for the risk of loss or damage in transit, until the goods are delivered. If you wish to take out postal insurance, this is your responsibility, not the consumer's. Postal insurance should therefore not be offered to consumers at an extra charge.
http://www.derbyshire.gov.uk/Images/ca12_tcm9-8175.pdf Edited by Bookworm
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But the seller didn't offer insurance in this instance, did he? Seller didn't insure goods, didn't offer to buyer to add insurance to purchase, so yes, it is totally 100% his liability and responsibility to reimburse buyer. Furthermore, even if buyer were to want to pursue the matter himself (for reasons best known to himself), he couldn't as he doesn't have a contract with RM, the seller does.

 

sorry i probably didn't explain my self very well, not very articulate.:oops:

I was asking the question for myself.

I sell quite alot on Ebay.

As I said I always offer insurance , the buyer has to pay. If the goods are worth less than £36. this is covered for free for buyer through the POP which I always obtain. I also give them an option to purchase insurance.

If they decide they don't want insurance (which from memory only one buyer has & the value of item was £60) and RM looses the parcel are you saying I am responsible & have to refund them the full amount.

Thanks

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Yes you are is the short answer, as per Bookies edit above ;)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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