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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 born by you. - May of this year, I get a letter from CLI (Credit Limits International) 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. 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.
    • 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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Capone response to CCA


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Do CrapOne ever give up calling?

 

I had been receiving 4 calls a day to my mobile but it has recently reduced to 2 a day.

 

I log all calls but I have never spoken to them and they are easy to ignore as I only receive calls to my mobile which is on vibrate only and doesn't therefore bother me much.

 

I have had calls every working day for the last month. I just wondered at what point they might give up!

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Response 4.pdf

 

Response 5.pdf

 

More nonsense from Ellie (on maternity leave still I wonder?) and a threat-o-gram from Vice President of Collections (should I be standing and saluting! - idiots!).

 

They have already sent me a DN. I just realised that this is dated on a Sunday (25 May 2009)! I have 28 days to pay the overdue amount from the date of the DN so this is until the 21 June 2009, but they have not specified the actual date so invalid DN. They say agents may visit my home. Anybody know of DCA's sending people outside the UK?

Ellie continues to state that they have sent a copy of my original agreement but then says if anything has varied then the copy agreement will include the updated terms. How can it be a copy of the original agreement if it has updated terms in it? All so illogical!

They continue to call once a day to my mobile which is logged and never answered.

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  • 2 weeks later...
Anyone?

 

Im still waiting for my CCA only requested few days ago, but im worried sick cause i signed the letter and forgot to put line through it:confused:.

 

How much will that matter to me, i have had to write to them in past and will have signed letters so me thinks they probably could find something anyway.

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Not ideal to sign them with your usual signature. I sign everything but I use a different enough signature to know if anyone copies it for all letters and cheques during this process with CCC's but not so different that the bank notices on the cheques;).

Exchange.

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Realised today no calls to my mobile now for more than a week from Crapone. No calls today from MBNA, and M&S and Mint both stopped calling ages ago. Postman hasn't brought anything for the last few days either. I am now expecting to go on to the DCA stage with all 5 credit cards although not being in the UK may make this different to the normal way things develop as I have seen on this site.

I wonder if it's gone quiet because I sant SAR requests?

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300609.pdf

 

Attached first contact I have had on any credit card agreement from a supposedly outside company. I have already read too much on here to be fooled that easily as I know that F.T.C being a trading division of Capquest is just a Crapone department for naughty people!

 

Normally letters from Crapone take over a week to get to me as they like most others only put 1st Class postage on letters when I am not in the UK. This one is dated the 30/06/09 and arrived today 02/07/2009! Either the post office have suddenly got very efficient (unlikely!) or the date on the letter is not correct (more likely!).

 

The letter states that I have been terminated.

 

A default notice was sent dated the 24/05/2009 with payment required 'within 28 days of the date of this letter'. The amount asked for was just arrears, considerably less than the full balance now being demanded.

 

Can anyone tell me if they have got this right and should I send the bemused letter?

 

I have only ever received the reconstructed agreement form them without signature boxes and therefore no true copy so they may have complied with CCA 1974 but not with my CPR 31.16 request and I have a SAR due by the beginning of August.

 

All advice gratefully received.

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Thanks cerberusalert. Already subbed to A Tale of a Dodgy DN and now subbed to the other thread as well.

 

As I understand it, if the DN is dodgy then they may only be able to demand the arrears, but would still have to produce an enforceable agreement to win in court.

 

Not sure if sending the bemused letter will make any difference to anything if this latest letter is effectively from Crapone anyway.

 

Should I respond or wait for the next threat-o-gram?

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Probably, I think their Sabbath is from sunset friday 'til saturday sometime. :rolleyes:

 

I wish they'd make up their minds in the last letter they sent you, first they say they'll pass it on to another DCA on the 21st Aug then they give you until 6th July to reply....muppets.

 

I'd ignore them for now & see what their next move will be. ;)

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One point that has been bugging me. F.T.C say in their letter that my account has been terminated. Should I take this as being correct or should I have a Crapone letter stating 'Account Termination' before I can be absolutely certain that it is terminated. I seem to remember reading doubts about the validity of termination unless it is from the OC.

Thanks for any replies.

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Thansk cerberusalert.

That's what I suspected as without an actual date of account termination in writing from Crapone they could still issue another DN if I understand correctly, and maybe get it right second time around!

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