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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Australian Credit corp chasing me for dept i now live in France


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Hi everyone sorry for this but i am new to this,

I lived in Oz for a couple of years and now live inbetween France and UK,i seprated from my wife in Oz and returned to the Uk so did my ex and i have a dept of $30000 which Credit corp has sent me a email demanding payment,

The 2 cards were in my name so the dept is mine,i ran out of work so had to return.

I have recieved a couple of emails stating that if i dont sort it out they will pass the it to a overseas agent,

 

what can i do?

 

and most important what can they do.

I have assets in Europe which i had before i left uk.

 

 

i returned back last year so the last payment was a year ago.

 

great site.

 

Thanks

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As you have spent time in France you will probably know how the French just love red tape. I was told recently that it takes upwards of two years to reposes a house after mortgage payments stop. The French legal system is notorious for its complexity and it takes for ever to get anything done.

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Thanks for that,

 

yes France has some great protective ways,

 

i am returning back to the Uk for a couple of months. so apart from emails i have no contact address.

 

thanks again

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  • 5 weeks later...

The French legal system is meant to be one of the best in Europe, however, it is very very slow, so if you have any cases to file it should be done quickly.

If you want it to be done quickly however, you have a special law where you can have your problem solved far quicker.

(I think its called jurisprudence, I forgot the term)

hope this helps!

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  • 1 year later...

Hi

Can anybody advise me on the following

I have received a email today regarding a debt i have in Australia,

I live in France and the email is of a french company of receivers who are acting on behalf of credit corp stating that if i do not contact them within the next week the will enter my bank account and paycheck and freeze both,

Do they have the right to do this,as the debt is from Australia.

The debt is 2 years old.t

Thanks

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They wont be able to do tbat without court orders and it is very very rare that they are granted due to jurisdiction issues. Theyre just trying to scare/threaten you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Very sorry to hear that you live in France - especially if it is Paris.

 

Consumer rights are very poor in France. It really is all a bit Sovietic. No one challenges the big business interests there -and if you are a customer of Orange.fr, for instance then you will know that they are a shambles and not at all consumer-facing.

 

There is a sort of half-hearted consumer advice service but you should visit your local townhall - the Mairie - and they will be able to tell you more about it.

 

There is an organisation called 60,000,000 de consommateurs which is worse than useless and almost inaccessible.

 

I would think about contacting your bank. If you get on with them, then go and make an appointment with the manager and ask him/her. They tend to be more approachable than UK banks - for the moment.

 

I can't imagine them being able to access your account or intrude on your worklife without a court order which would require a judgment in Oz and then the judgment would have to be accepted in France and an order of the French court would have to be made.

 

If it isn't a whle lot of money then I can't imagine anyone bothering.

 

When you find out the definitive answer, please do let us know.

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Ah yes, Creditcorp up to their nonsense yet again. Have a read of http://www.consumeractiongroup.co.uk/forum/showthread.php?307717-Fair-Debt-Collection-Practices-In-Australia and then make a complaint to the ACCC & ASIC in Australia about their breach of Fair Debt Collection Practices.

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Write back in French.

 

Perdez-vous, vous parlez des ordures et les divers organismes de réglementation seront informés.

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We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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By the way, I think that there is a standard limitation period in France of 3yrs

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In the vast majority of cases it is just not viable to chase an overseas debt through the legal system which is expensive and time consuming, they much prefer to make a fast buck and if people make things difficult for them, after a while of huffing and puffing they move on.

 

Creditcorp are responsible for the actions of any of the agents they use so are ultimately answerable to both the ACCC & ASIC in Australia for breach of debt collection guidelines by the fact that the French Bailiffs have claimed they will;

'enter my bank account and paycheck and freeze both'
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  • 2 weeks later...

Hi,

 

I've moved this thread to the appropriate Forum, you should get some help shortly.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Global Credit Solutions

 

It purports to be the world's largest debt collection company, mind you Trotters Independent Trading advertised offices in Paris & Rome but it didn't mean it was true. ;)

 

A bit of history about the debt would be advantageous otherwise we'll just be having a stab in the dark with regards to advice.

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I've just checked your other threads to get the SP.

 

Global is another Oz debt collector so it looks as if Creditcorp have passed it on to them hoping a change of tack will have better success for them. The same advice given on your previous threads still holds. ;)

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  • 2 weeks later...

Hi

I am in France

i have recieved a letter of a Huissier de justice about a debt i have with credit corp.stating that they are taking proceedings against me to enter my House and take goods

and the carte grise on the car (which is not mine anyway),

what advise could anone offer,

thanks

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You really need to speak to a French lawyer but as far as I'm aware they cannot use bailiffs unless they've already got a judgment which they'd need permission to enforce... i.e the bailiff.

Is there anywhere i check if they have a judgment against me

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You need a lawyer, especially if you're in a major city where things move faster. How good is your French?

 

What is the title of the document (is it an 'acte')? There are three stages of enforcement and you need to know which one you're in, out of 'amicale', 'judiciaire' and 'saisie'.

 

EDIT: this page seems to give a pretty good summary of what they can and cannot do, in French http://interetsprives.grouperf.com/article/0651/ms/intprims0651_6050.html

 

The huissiers (bailiffs) do everything from starting the action (you might be at this stage - this would include serving notice of an application to enforce a foreign judgement), agreeing a payment plan, and ultimately levying and then seizing goods.

 

Once they have permission to enforce (judiciaire stage), you have 8 days to do something about it before they can visit, so I think time is of the essence here.

 

Be aware that they have a power that English bailiffs/HCEOs do not: they can call a locksmith to force entry in the presence of a policeman/gendarme or various other officials. However, they are also obliged to secure the door afterwards, probably at considerable cost.

 

That's the limit of my knowledge I'm afraid. I don't mean to scare you but you don't want to mess with the huissier. On the other hand, the French courts themselves are notoriously slow and unpredictable, so a good lawyer should hopefully be able to jam things up nicely.

Edited by marmaris30
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