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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • AV89
      Debt collectors chasing Italian speeding fine

      By AV89 · Posted

      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.
    • dx100uk
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By dx100uk · Posted

      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        
    • jasowter
      2 disabled people need help for Final Demand by DCBL for 5minutes overstay

      By jasowter · Posted

      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    
    • xtonehari
      Excel Parking operator pictures PCN Disabled Parking at Peel Centre Stockport

      By xtonehari · Posted

      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. 
    • Hamz909
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By Hamz909 · Posted

      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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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Pay Day Loan Problem

UnionCityGirl
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because no one has posted on it for the last 4667 days.

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Please click the "Report " link

 

at the bottom of one of the posts.

 

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sillygirl1

sillygirl1

Posted
Posted

Continue with your offer, stating that this is the maximum you can guarantee for them, and put the money to one side so when they eventually DO agree you can say "here is XXX being the £40 payments from XXX to XXX, proving that I have been able to meet this commitment" (been there and done it to a PDL myself, who were miffed at first and demanded rest of payment, told them to learn to read properly!)

 

You can do a basic I&E rather than a detailed one, as follows

 

Priority Debts

Mortgage/Rent

Council Tax

Gas/Electric/Water

TV Licence

 

Essential (daily living) debts

Food

Travel costs (including car costs)

Basic clothing

 

Non priority debts

Bank overdraft

etc

 

The shortened version is

 

Income (do NOT list benefits as they are NOT to be used for paying non-priority debts)

Priority Debts, Essential Debts added together

Non Priority debts added together

 

Resulting amount left for xxx creditors not included in non-priority debts

 

Remind them that only a court can order a full I&E and that you are complaining to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the OFT)

 

Keep us posted on progress.

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sillygirl1

sillygirl1

Posted
Posted

If you go to the National Debtline site they have a very good Personal Budget Sheet, worth filling in to see where the black holes are in your finances.

 

Perhaps you can click on my star and give me a reputation comment...

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IN-Trouble

IN-Trouble

Posted
Posted

Im in a repayment plan with txt-loan, one more payment to go, free of them next month, then ill start dealing with payday uk, who are very annoying.

 

Txt loan details are below, as far as payday uk go, stop sending them emails, ignore them, in the end theyll send you a letter saying theyll accept 75% of what you owe, then theyll say theyll accept a plan, itll be months from now, so dont panic, deal with the companies that want to deal with you, payday uk will come round when you ignore them long enough

 

 

Receiver - TxtLoan Ltd

Account number - 42028948

Sort code - 402103

Ref: your loan ID

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IN-Trouble

IN-Trouble

Posted
Posted

About 5 months after repeatedly ignoring my generous 100 pounds a month offer , telling me to call them etc etc, they pass the debt on to a DCA called Keys Whitlock, which is not external, its just them in more threatening mode, after a few letters from them, including a "we have come to visit you and you werent at home but we will come again" postcard, which looks like its been dropped in the letter box until you notice the first class stamp on it. They then send a letter literally begging for any money I can afford to give them, my debt is 600, they dont want to go to court for that, so theyll accept a repayment plan. Unless you owe them thousands, do the same.

We all accept that we owe the money and want to pay it back, but the bullying has to stop . :):violin:

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IN-Trouble

IN-Trouble

Posted
Posted

They wont take you to court for that, and unlike capital finance one and others, they wont add charges onto your debt. Theyll keep sending you emails telling you your credit rating will be affected(like I care about my credit rating at this stage) and that the loan will be passed on to an agent etc etc, a few months later Keys Whitlock will send you similar letters, and asking for a part payment or a repayment plan....This is when you phone them up and set it up. Until then, try and pay off one of the other loans, so that a few months down the line you can afford a repayment plan to pduk.

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sillygirl1

sillygirl1

Posted
Posted

Your debt is actually the original loan amount plus one months interest, NOTHING MORE, you do not need to pay idiots like Keys Whitlock, and need to report that 'postcard' to the OFT and Trading Standards, they are not supposed to do things like that.

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UnionCityGirl

UnionCityGirl

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  • Author
Posted

I've just had an email from Mark Harrington at PTPD saying he emailed me last week and he hasn't had a response. Well I've just re-read the email from last week and it says they have added £59 charges on, but there won't be anymore interest etc, they can't set up a pay plan for me and after 28th July it will be passed to an external agency, and to contact them if I have any further questions. Not sure what todays email is about then!

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sillygirl1

sillygirl1

Posted
Posted

The default notice is invalid. Section 87 of the CCA Act comes into play with payday loan companies. If they take you to court they will be laughed at. You have been trying to negotiate with them and they have ignored you.

 

Complain now to

 

http://www.consumerdirect.gov.uk for Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

If you don't complain about them now then I can give no further help.

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UnionCityGirl

UnionCityGirl

Posted
  • Author
Posted

Agghhh please help re CRS - they have just called and he has made me cry :( I'm shaking at my desk. They are the worst company to deal with ever! has anyone had any dealings? He was so rude and wouldn't listen to anything I have to say. He says they have a perfect right to contact my work, and had the gall to say I could pay them what I owe and re-loan again with PTPD!!!!They won't set up a payment plan, and have said they will pass it back to PTPD in 28 days who will take me to court.

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sillygirl1

sillygirl1

Posted
Posted

Report them to the OFT and Trading Standards, they are well out of order calling you at work.

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk for the OFT

 

PTPD cannot take somebody to court as they are offshore based in Malta and that can be used against them, as can using agencies such as CRS who are not able to do anything except intimidate and insult you

 

You need to complain in the strongest possible terms about this and the way they make you feel. Complain about both companies separately and that will be a step in the right direction.

 

The OFT guidelines say they MUST accept offers of part payment and if they do not then the OFT will start investigating them and revoke their consumer credit licence (they can do that to the DCA as well.

 

If you don't complain now and loudly to the authorities nothing will be done and you will have wasted your time posting on the site.

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