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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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Ron vs MBNA


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Hi All,

 

Well, sent SAR to MBNA and and got a letter back today with all my info.

Just states that they think their charges are fair (Surprise Surprise) and I wont be able to claim anything back. (We will see about that).

 

Will add charges up today and send back the Claims form. However, do I immediatly charge for the 8% interest of wait till it goes to court like with a bank account?

 

many thanks,

 

Ron

 

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Hi there,

 

I have received a second letter from MBNA offering to take £520 off of my current bill. The total sum owed is £1159, excluding interest.

 

Now, although this is a very nice offer, I want nee expect the full amount which would lower my debt significantly.

 

Can anyone advise where I can locate the template to accept the offer but make them aware that I will claiming for the full amount.??

 

Regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Hi Ron

 

Have u sent of your prelim letter? If u have not then u just need to adjust your prelim letter to something like this.

 

Further to your letter dated xxxxx i accept your offer of a refund of charges totalling xxxxx on the understanding as a partial settlement towards my claim. I intend to continue for the remainder of the charges added to my account between xxxxx and xxxxxx

 

Then use template prelim letter.

 

You can use the paragraph on top of your LBA if you have got that far.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Hi Rob,

What I sent was just a request for Statements.

After totalling up its looks as thought its over a £1000.

Should I just respond with Thanks but no thanks with a list of charges?

Out of curiosity, do I claim for Interest as well? As this is a credit Card and not a Bank account.

Regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Would someone mind reading through mt response below?

Looks OK to me but always good to get a second opinion.

 

"Thank you for your letter dated xx/xx/xxxx.

I respectfully decline your generous offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxxxx. This is excluding interest. I have enclosed a list of charges for your perusal.

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter sent previously indicates that you have until x/xx/xx to respond before Court action commences. However, I am willing to extend this by one week out of curtsey.

 

I trust this clarifies my position."

 

I sent this as my Preliminary approach for repayment.

 

Regards,

Ron

 

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Ron

 

As stated in my earlier post you need to send a prelim letter from the bank template library.

 

At the top of the prelim letter write a similar paragraph to the one i wrote in red.

 

You should accept their offer as a partial payment but make it clear u will continue to pursue for the rest.

 

Also attach a list of charges to the prelim letter.

 

Interest

If you are going to claim the statatory 8% then this should be added when you submit your claim to MCOL.

 

If you decide to add contractual interest, this can be added at the prelim stage.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Many thanks Rob,

 

Have done as advised.

Have not added interest. Will see what they come back with first :)

 

Many thanks again,

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Well had a call today and they said I can pretty much expect a letter in the lost confirming a full refund (which is nice but we shall wait and see).

 

Once I recieve this letter, am I then eligiable to add the interest to the sum as the issue is not going to court?

 

Many Thanks,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Ron

 

Ask yourself why they are looking to settle early. Could be possible they owe your more than what u think. eg interest. I'm making a similiar claim to u also and i have claimed interest which has doubled my claim.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Good Point Rob.

 

My calculationas accumalted in about £1159.00 in fees. Now I asked them what they had worked it out to and they give me the exact same figure. However, I had not added the interest.

 

When I get the letter I will contact by phone with the Added interest Calculations.

 

Many Thanks Rob,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Ok good stuff. Use one of vampiress spreadsheets to work out your interest all you need to do is find the APR of the card.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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  • 3 weeks later...

Afternoon all.

 

Well just to update.

I contacted MBNA by post and confirmed that I only accepted there offer as part settlement. I will be claiming for the rest. That was 12 days ago. I specifically stated on the letter that they had 14 days to respond.

 

Heard nothing today so I called them up. Its seems that they have decided to set their own timescale and get back to me before the 24th. 1 week and four days after the time limit.

 

Really annoyed about this and feel like MBNA are not taking me seriously. Really want to send the LBA but not sure if I should wait for their letter and see what it says first. Can anyone advise?

 

For the record, the £520 was taken off my Credit Card balance which is still a Winner :D

 

Regards,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Many thanks for the advice. Will get the LBA off on Wednesday if no Letter by 2mrw.

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Hi,

 

Would really appreciate some help here if someone could offer it.

I was just looking through my claim and I am about to add the Interest. The APR rate is 15.9%.

 

I am trying to amend the spreadsheet to calculate at 15.9% but cant seem to get it to work out. Can anyone offer some advice?

 

Many thanks,

 

Ron

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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Sorted.

 

many thanks U Boy.

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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  • 1 month later...

WINNERRRR!!

 

Hi Guys,

 

Just to confirm that I had a letter from MBNA today.

My Balance on my Virgin Credit Card was £2500 about two months ago.

 

I have had the card since about 2002 and was made redundant. I then had to take a job with a much lower salary. I had incurred some charges etc and was over the limit on my account by £500.

 

MBNA origionally offered me a £590 settelement which I accepted in part. I responded and informed them that I would continue to press for the full amount. They then offered me £690 on top of the £590. Again I accepted in part but made them aware that I would be claiming the outstanding £500.

 

I had a lovely letter in the post today which stated that MBNA were willing to refund the full amount to my credit card which in the space of two months has dropped from £2500 to £720.

 

This is a winning figure of £1780. I know I didnt get the cash but it still feels like a massive relief and a major weight off of my shoulders. I know £720 is still a good few quid but my aim to be debt free by Xmas 2007 is really back on course now.

 

I am waiting to hear from the court re: NatWest, and I will be submitting Court proceedings Vs Woolwhich, Natwest Visa, Cap 1, Halifax Visa, Welcome and Citi Fi in the not too distant future when all statements are made avaliable to me.

 

Guys, Thank you so very very much for all of your help. You have been great. If I can do it, then there is lots of hope for everyone :D

 

Cheers,

 

Really Chuffed Ron :p

The Woolwich - Case being held by Court. £1700

Halifax - Case being held by Court. £800

Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.

Natwest - LBA - £800.

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well done, and good luck for your pending court cases, hope this has given you something to cheer about over xmas

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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