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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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Payday Battle


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Thanks, actually I just started a log but didn't think to actually answer then hang up, will do that. They are still calling even though I have said what you wrote before!! They are a nightmare!

 

They are a nightmare. Remember, they are loan sharks with a license. They will do anything they can to bully and harass you to pay back more than you owe and to agree to repayments you cannot afford. As i said before, answer the phone as normal, ask who is it. If they say theyre from a PDL, then simply hang up and record the date and time along with the PDL name, or state that you have no wish to talk to them by phone, and hang up and record.

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

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Capital Finance - good luck!! They took over £600 out of my account when I got paid despite the fact I had a repayment plan with them and are still refusing a refund. be very very careful with them. MT Collect is the debt collecter they hand over to (although I am pretty sure it is just a division of their company not a seperate company). They were quite rude at first but I finally spoke to someone who was really helpful and set up a payment plan of £20.00 a month straight away for me and I haven't had problems with them so far. Problem with Cap Finance I found is that they have never once answered any of my emails. So I was forced to do it over the phone - which as you can see from here is NOT the way to do it!

 

Do you have a repayment plan with Minicredit? I'm having so much trouble with them, they refuse every payment plan I suggest!

 

well done on your other negotiations :) don't worry I completley gatecrashed this thread aswell!!

 

 

How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

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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Guest Poguesy
Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

 

Bloody gate crashers! :p

 

Well done, so far :D

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Guest Poguesy
Hiya

 

I have sent about 2-3 emails a day. I finally got a reply today but it just asked for an income expenditure form, so will do that and then see what happens. can't believe how long it is taking!!

 

Can't wait for that day I really can't!! How have you been getting on?

 

You're doing great and you'll get there eventually :)

 

I'm still having problems with the Money Shop but everything else is sorted.

 

Think i'll try a f+f with them at the end of the month and see what they say.

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Guest Poguesy
Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

I agree.

 

I've noticed many people state they can't pay back due to "unforseen circumstances" but in reality we all just took them out without thinking and knowing we can't pay it back.

 

I'm not ashamed to admit doing so.

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Neither am I! my stance is we had the money in the first place and it needs re-paying Though I hate the charges they put on the paying people - that will never be justified I've now repaid 5 out of 6 and believe not one company has suffered

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Me neither, i admit to being rubbish with money. However had I not lost my job, I may well have been able to clear them all off by now. In the current climate with wage cuts, reduced hours and jobs going the risk of those unforseen circumstances vastly increases

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How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

 

My debt had been handed over to MT Collect and I had set up a repayment plan with them (unfortunatley by phone) I requested a letter or email confirmation which I didn't receive. Then on my payday Capital Finance took over £600 in several transactions. When I rang MT Collect they said it was nothing to do with them as Capital Finance took the money. Spoke to Capital Finance after going back and forth for a week or so they then told me I had violated the contract by applying for other loans with them while I had my current one (which I never did!) My bank said if I had proof of the payment plan they might be able to help but of course that never arrived.

 

I have continued to send emails but they have all been ignored so far. Apparently for 33 days after they hand the debt to MT Collect they reserve the right to try for part or all of the payments - I wasn't told this. I have no idea what else to do now!

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Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

Good on you for being one of the people who are doing it the right way!

 

Completley agree, I never looked far enough into the future to realise I wouldn't be able to pay this back. Am terrible with money but buried my head in the sand for far too long! Have learnt my lesson the hard way though

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Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

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Simply send them a letter back stating that you revoke all permission under common law for themselves or their representatives to come on to your property. If they do come on to your property or knock on your door, then they will be committing trespass and the police will be called.

 

If they ignore this and they do come and knock on the door, tell them in whatever way you like to go away. If they dont, then call the police. If you open the door and they try to stop you closing it, call the police and state that you have an intruder and you fear for your life.

 

As one of the admins on this site rightly said,when it comes to doorstep collectors, or indeed ANYONE apart from the postman or legal authority (such as court appointed baliff or the police) , your next door neighbours cat has more legal rights then them.

 

Sent them the email or letter clearly stating this. DO NOT PHONE THEM AND TELL THEM.

 

If they do turn up ( its very unlikely they will), do as i said above. Tell them in no uncertain terms and whatever english words you like where they can go, and call the police immediately if they will not leave or if they even try to enter your property or stop you closing your door.

 

Please note, property includes gardens, houses, cars or any other place you may be located at that belongs to you.

 

 

Again, they are NOT allowed onto or into any of your property. If they do, they are committing a criminal act and you should treat it as such. Tell your parents do not worry as they have no legal rights and the law is 100% on your side. If they have any doubts, tell them to come and visit this website and check the multiple guides on dealing with doorstep collectors.

 

You can even go to http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10034289 and read the regulations for yourself. You should also note, that since they say they can visit, you are also legally able to revoke all permission for them to come to your property. Same as you would for anyone else you dont want on your land.

Edited by renegadeimp

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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Good to know, thanks! I have spoken to them on the phone already (I did record it) but I will also send a letter and email. I hope it won't come to them actually turning up but thanks for the advice if they do

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I edited my post to give a bit more detail.

 

Also, in future, don't use the phone. You may be recording the conversation, however they can easily say that the person who answered was not authorised to deal with the situation and as such its null and void. Thats why this site and any legal representative will always say to make sure it is always dealt with in writing, as well as written details being the best way to keep a good dossier of evidence.

 

Keep us updated.

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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Thank you, I will get my parents to look on here that should ease their worry somewhat. Ok, I have now sent an email stating this and am composing a letter aswell to send them. Will let you know what happens!

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Hi Guys looks like many people having problems with this company and i am one many also, so far its been enjoyable in the fact they don't seem understand what Data Protection Act means to them and they feel they can break the law on that they also like feel scaring customers into paying full up or be sent to debt recoverty team who is Money Shop !!! that funny because they parnters also so far been sent to head office Express Finance who again just make be laugh to.

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Guest Poguesy
Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

 

From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

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From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

 

And if it EVER gets to court, those charges will be completely wiped from the debt.

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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:whoo:

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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Congrats to all. It shows that knowledge and dogged persistance wins all.

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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