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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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      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.

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IQOR and ebay


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Hi, Please can someone advise me as this debt company is ringing me 3 to 5 times per day as well as sending me threatening letters.

 

I owed ebay £62

 

my account was suspended until I payed it but

 

in meantime I received letter from this IQOR saying I owed £78 and demanded payment in full.

 

I told them I couldn't pay straight away

so asked when I would and that I had to ring them up and pay over phone.

 

I decided to check my ebay account and noticed it had £62 and allowed me to pay ebay direct which I did.

 

I have had this company on my back today 3 times saying I have to pay them the £16 I owe which I said I don't see why I had to pay them anything

and had already settled my fees which ebay accepted.

I have now been told by IQOR that they will be pursuing me for the £16.

 

Please help can they do this and will I have to pay them as I'm now getting really scared I'm going to end up paying them even more if I'm took to court.

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This has about as much chance of seeing the inside of a court as I have of making a successful application for the latest vacancy at the Vatican.

 

First of all no talking to IQOR on the telephone under any circumstances an no exceptions.

 

Write or e-mail asking how they justify this additional charge and request a copy of any contractual term that entitles them to impose this charge, bearing in mind that you never appointed them in the first place. You could also refer them to the OFT guidelines relating to collection agents adding charges without contractual provision.

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Iqor like to play the hard man on tiny debts quite pathetic really.

 

Send the Following to:

 

The Compliance Manager

Iqor

 

Ref: use theirs:

 

Sir/Madam

 

I refer to a letter dated xx xx xxxx alleging that I owe Iqor £16.00 please note I do not acknowledge any debt to Iqour or any company you may claim to represent.

 

I believe that Iqor are mistakenly attempting to collect some form of charge in relation to an EBay account which was settled ammicably with the creditor, therefore Iqor has no reason to seek any repayment from me and none will be forthcoming.

 

I suggest you seek payment from your client.

 

This is my final response.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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iDiot iQor I call them, tried chasing me a while back for TV licence, rang them and started singing 'Henry the eighth I am' down the phone, then proceeded to do this every time they rang, they are as effective as indicators on a submarine.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

hi

 

I really need help with my iqor problem. I paid off my first with iqor over the phone which I handed my bank details to pay it off. now I've got my second iqor debt of just £25 and I really worried that they will just take it out of my bank account which currently empty,

 

please I really need help .

 

can they access my bank account for anotber debt without telling me?

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Hi and welcome to CAG.

 

You should start your own thread on your issue as it goes missed by everyone who isn't subscribed to this post.

 

NEVER EVER pay a tin pot DCA.

 

If your concerned that they will help themselves to your money, which they will, then you need to inform your bank that your card details have been compromised and you require a new card.

 

NEVER EVER give any card or financial information to a DCA, they have zero legal powers.

 

What is the debt?

Who do you owe it to? (original Creditor OC)

 

NEVER EVER deal with financial issues on the phone, keep everything in writing, if they ring (iQor) just laugh at them and hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When you say "2nd debt" is this entirely separate to the 1st one ?

 

If so, then the answer is NO they should not be able to access your bank account and if they do - then you simply tell your bank that you did not authorise this and that they should do a charge back.

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