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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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diggerofbeats v Natwest


diggerofbeats
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Hello all,

this is my first and hopefully only thread! Firstly well done to everyone who has fought the faceless money machine and won, it gives me a warm glow.

 

Secondly, to anyone in the same boat as myself and about to start, good luck.

 

I am starting down the long road of getting my money back from N*twest !

 

I am about to send the Subject Access Request to get my statements for the last six months but who exactly do I make the £10 cheque payable to? I cannot find this information anywhere throughout the forums.

 

Thanks for any advice.

:oops:

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Just make the cheque made payable to NatWest.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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lol don't ask me that question! NatWest have been very bad with me but i have seen it shouldnt take any longer than 20days for you to recieve them as long as they are ordered correctly by the staff. NatWest are playing silly buggers with me cos they have broken the law on four counts with my account.

 

In the letter make sure you state "I would like to cofirm the statements should be sent to (then your address)" so they don't play you up. Make sure it goes recorded delivery.

  • Confused 1

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I didnt get a reply to my request for bank statements from 135 Bishopsgate. I didnt send a payment luckily i just requested them to deduct it from my balance. Instead I just rang 135 Bishopsgate direct and they backordered them for free. I got them a week later.. Asked for the charges back, got standard letters from both 135 bishopsgate and my local branch. Just issued the claim online.. fingers crossed..

 

Matt

 

4/9/06 - £1156.00 + £148.18 INT + £120.00 FEE.

 

Awaiting defence!

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  • 2 weeks later...
  • 2 weeks later...

Recieved the famous shoddy brown envelope containing the last 6 years statements.

I am now writing the Prelim letter, but am slightly confused regarding interest.

In the FAQ it states that at this stage I should not claim for the 8% interest (accrued over time).

 

But the prelim letter states:

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

 

Can someone please help explain this to me?

:confused:

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Guest littlesally

I was going to send to that address asking for money back, as thats where I used to get statements, but now I'm not so sure.

Come to the Bear room in the evenings as there's someone there who can help, failing that I will ask myself and get back to you.

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  • 9 months later...

Ok after being really slack and not doing anything from October 06 to May 07, I thought I'd better get back into this.

 

I sent the letter asking for refund plus interest (the one on Moneysavingexpert.com's website). And within a week I had this reply.

 

"26th June 07

 

Thank you for your recent letter regarding the fees applied to your account.

 

We are currently considering your claim. Given the work involved in assessing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but will endeavour to do so sonnere if we are able to.

 

Yours sincerely

 

Stuart Higley

Customer Relations "

 

 

6-7 weeks !! It only took me an hour to work it all out, I guess Mr Higley's office is inundated with claims either that or he's hoping I'll forget all about it.

 

Has anyone else had this letter and what normally happens next ??

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Digger of beats,

 

I have been on at Nat West since the beginning of the year....! So sorry, but that has been my experience. I wish now that I had set the deadlines, not gone by Nat Wests... I have received a couple of letters from Stuart Higley ... sounds familiar!

 

We did not come to an acceptable agreement therefore I issued a claim through MCOL. Cobbetts (Nat West's solicitors) have defended.. so now I am in the court process!

 

I have sent them a "nudge" asking for them to settle before it goes to court.. now I am waiting. My claim is for just over £3000.

 

That probably doesn't help, but sometimes it's nice to know how other people are faring! ;)

xx

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diggerofbeats, you've had a standard nat west response - it's up to you whether you wait or not. You may get an offer to refund charges in full at the end of it.............. or you may get an offer to refund partial charges. So either file at court or wait............ the decision, is yours!! ;)

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