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    • Forgot to add, got friends in Italy, and one of them rang the Police where the fine came from, and her reply was “Tell your friend it’s not a big deal, it’s only a speeding fine we’re not going to chase him, tell him in future to take his foot off the gas, however it he returns to a Italy and gets control checked, he would be held until the fine is paid”  A bit odd I thought, considering I am being chased now.
    • 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    
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Giving the keys back - advice needed


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Thank you Kirsty for your advice. Im just a little worried because I am not in arrears with anyone at the moment, I have stopped direct debits for my debts and end of this month I will then be in arrears. I havent told the mortgage company that I am moving out is that right?? I keep thinking Im going to do all of this and they turn down my request for bankruptcy, they cant do that can they?? unless they can see you have more money than you say. I am moving out this saturday do I need to inform anyone or should I just send the mortgage company the keys when I have finished?

 

It is a worrying/stressful time as you well know, I know I will be better off after it all and I know I will probably get an imcome payment order but I think thats only for 3 years, my debts are going to be going on a lot longer if I carry on the way Im going.

 

I must admit it is so comforting knowing there isnt just my hubby and I going through this, at the time you just think u are the only ones. When I came on here and read the posts it really perked me up.

 

Thanks for your advice.

 

xx

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Hi Katie,

 

U dont need to notify the mortgage company, just send the keys recorded delivery with a note advising them of who you are, a mortgage account or reference number and that you can no longer afford the payments on the house. Do not sign the letter either.

 

After we did this, they called us saying we needed to sign some forms saying we were giving the house back. Alot of people say do not sign anything but it is fine to do so BEFORE the bankruptcy. As anything signed after, could mess it all up and u could end up owing money to people!

With regards to council tax, the local council had to wait till we signed the letters and posted them back to the mortgage company and then they mortgage company would notify the council that you are no longer there, until this happens, you will be liable for council tax.

When u go to the court for the bankruptcy petition, they dont ask anything really. They just check over the forms, making sure its all filled in correctly, make u swear an oath on a bible and then take your money! They stamp your forms and get u a copy and advise how long it will be till someone calls you, all depending i suppose how back logged the judge is at the moment!

Hope this helps, any other questions, just ask!

Kirsty

 

PS. After i went bankrupt i was worried about a bank account, but i went to Barclays and they had no issue at all about it! Set 1 up and gave me a visa debit card! Not a solo card that my bank before i went bankrupt gave me!

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Thank you so much Kirsty, you have really helped me out a lot. I cant believe they issues you with a visa debit, thats really bad for them but good for you hee hee.

I know they also freeze your bank account, do I take out all my money before they do or do I leave the money in and let the official reciever give us spends for the month?

xx

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Also I got the bankruptcy forms yesterday, ohh my god there are a lot of pages and it all looks complicated, who helped you fill them in Kirsty coz I have been to citizens advice before and cant get through the 1st person to get to a financial advisor to help us, they say 'have you considered your options, what about an IVA etc...' I dont want a IVA or anything else for that matter, got too many debts, I want to be stress/debt free.

 

xx

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Hi Katie,

 

i filled in the forms myself, but the CCS did tell me if i wanted help, to give there bankruptcy line a call.

There is alot of forms but u can do it online slowly, so when u have all the information you need, you can fill it in online and you dont have to do it all at once as it takes ages! Go to The Insolvency Service Website and fill it in on there.

With regards to bank accounts, yes the day i went to the court i took everything out... i was gonna leave some in but my husband said to me that it might be months before i get it and i didn't want the hassle if they didn't give me it back. So just take it all! My bank haven't contacted me since i emptied it and went bankrupt (i had no debts with this bank either) so i assume they were contacted by the official receiver and closed down?

I had a lot of issues with people saying have you consider this and have u thought about an IVA.. its annoying as i had a lot of debts with Northern Rock who do not accept IVA at all! The CCCS told me not to consider an IVA as Northern rock never accept them.. its strange really as with an IVA they would of got something back but now i had to go bankrupt they get nothing!

And they wonder why Northern rock went down the pan!

When you get to the courts you are advised to see someone and talk about the bankruptcy 1st, like to discuss if its the right option and to make sure you are aware of all the consequences of it.

i did not do this as i have talked it through with the CCCS many times and was aware it was my only option, and i think i knew everything they was to know from all the leaflets the CCCS sent me and things on the internet (one being this website!)

I hope this helps!

 

Kirsty.

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hi katie, we have just gone bankrupt in may and just sent the keys back in july, best thing i have ever done.

 

just make sure you include the house in the bankruptcy or you may end up paying if there is a shortfull. if you need a hand with the bankruptcy forms just feel free to email me on here. the cca said my forms where the best they have ever sin, just had to go and have them checked to make sure i had done everything write, funny thing they asked me if i wanted a job lol!!

i wish you and your husband all the best, we are just waiting to be rehoused with the council as we are in temp housing, was going to private rent but it was to expensive round where i live, but as we have gone bankrupt we could not do that now anyway!!

 

all the best heidi

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  • 3 weeks later...

Hi, Sorry to keep asking questions but its all so confusing. here goes

"We had a court hearing in October for a loan we wanted to make lower payments on, the decision was to put a charging order on our home, they said we have to write to the solicitors acting on behalf of Natwest to agree to the charging order. We havent done anything because since then we have decided to go bankrupt, my husband has now got a hearing date for the same thing (to make lower payments), we have changed the date of the hearing because we want it a late as possible to give us chance to go bankrupt etc. We have now got a letter for the charging order (so I take it they have already done it without us signing anything), where do we stand with this if we go bankrupt, does this just get put in the bankruptcy or do we leave them to argue it out with the mortgage company?

 

Sorry its just so hard to explain. Also I have an appointment with CAB on the 11th December to fill in the bankruptcy forms for me, do you know if they take it over and do everything for you?

 

Many thanks

 

xKatiex

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