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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 born by you. - May of this year, I get a letter from CLI (Credit Limits International) 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. Forgot to add, got friends in Italy, and one of them rang the Police where the fine came from, and her reply was “Tell your friend it’s not a big deal, it’s only a speeding fine we’re not going to chase him, tell him in future to take his foot off the gas, however it he returns to a Italy and gets control checked, he would be held until the fine is paid”  A bit odd I thought, considering I am being chased now.
    • 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    
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HFC / HSBC sells off debt to Lowells


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The default was on my credit file, but expired in January/February this year.

So when was the last payment and/or written acknowledgment of this debt?

 

 

I looks like Lowlife a chancing their arm again, the debt is probably already SB or nearly so, that's the reason for the 70% discount.

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The Debt is statute barred as of 2nd December in 3 months.

Based on default date or last payment lokur?

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Based on default date or last payment lokur?

 

Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

Forgot to mention: I forgot cancel the direct debit, so there was a bounced payment in January and February in 2009, which shows up on the accounts as payment/reversal of payment. The reason they bounced was that I was the victim of identity fraud and my account was emptied out over christmas that year. HSBC who I was banking with refunded me all the bounced DD charges and the stolen moneys 6 months later.

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Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

 

Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

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Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

 

Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

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Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

In theory yes, but as nothing has been done in all this time highly unlikely now.

Lowell are not shy about litigation is they believe they have even a fair chance of

success.

Ignore I think!

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id wait for it to go SB and reclaim PPI.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

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Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

 

 

Passed to the next desk in Lowell's den of iniquity, wait and see what Hamptons have to say.

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bloke at the next desk in a diff coloured skirt.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

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I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

Hamptons are likely to farm this to one of the tame solicitors (Bryan Carter instance) to issue a claim so a little more time will be wasted there.

 

 

Looking back to July Lowell were threatening court action within 7days and nothing has happened.

 

 

What has Lowell produced to support their claim?

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Is there anything I can do to slow this down, I really don't want to deal with this in court.

 

 

This seems to be going in the usual circle of "escalations" to various departments of Lowell more often than not after Hamptons

the debt gets back to Lowell's ordinary collections activity.

 

 

How much is the debt for? To take it to court it has to be financially viable, but I think the discount offers indicate desperation to get something before it becomes SB.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

Agreed to refund PPI and then refused to do so?

Nothing more from the OC since the dispute was raised?

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I didnt know about the PPI really as it was tackled on without me realising,

and being stupid enough not to read through the documents properly.

 

 

when I got a letter from them saying our internal routines shows that you might not have had

the PPI terms and conditions through we're offering you to cancel it.

 

 

when I asked the local branch to do just that,

they point blank refused no matter how much i waved the letter.

 

 

I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me

no phone calls, no letters.

 

 

I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset.

 

 

My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

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I didnt know about the PPI really as it was tacked on without me realising, and being stupid enough not to read through the documents properly. So when I got a letter from them saying our internal routines shows that you might not have had the PPI terms and conditions through we're offering you to cancel it. So when I asked the local branch to do just that, they point blank refused no matter how much i waved the letter. So I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me no phone calls, no letters. I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset. My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

 

 

 

Did you get a Final Response Letter from the bank after raising the complaint?

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Did you get a Final Response Letter from the bank after raising the complaint?

 

I don't think I did. I certainly can't remember seeing one. I did move around a lot back then, but I kept HSBC up to date with my address. I don't know how well they share information between each branch of the bank though.

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my neighbour has had about 25 of those exact letters.

 

 

sit tight.

 

 

nothing you can really do or need too at the present with it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I suggest, politely, you fo back to post one and re-read your thread.

 

 

everytime you get a threat-o-gram

you panic...don't.

 

 

you need to p'haps address your PPI paperwork and get that checked here ready to send it all.

 

 

no dca offers a 70% discount when they could goto court for 100%

 

 

think about it!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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