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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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mrflibbl3

Credit Limits International: Italian Highway Code Debt

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Afternoon all,

 

I’ve received a ‘formal debt recovery notification’ letter from some outfit called Credit Limits International (CLI), asking me to make payment for a debt owed to the ‘Corpo Di Polizia Municipale Di Firenze’, with regards to the Italian Highway Code.

 

I’m unsure as to what the debt is for - I’ve not received any notice prior to this.

It does, however, have a ‘Car reference’ that appears to be a number plate.

 

All I can think of is that my wife and I hired a car during the summer of 2015

- when we got married (!)

- in Florence, and perhaps it refers to that (the car was returned to the car hire company without an issue, so I can only surmise I must have committed a speed or driving offence without realising).

 

This is the first time I’ve received a debt collection letter and I’m unsure what to do next.

If there was a genuine offence then, as annoying as that is, fair enough

- but I’m a tad peeved my first notice is a letter that mentions an ‘enforceable order’ in Italy and ‘prosecution in this country’, plus asks me to cover payment of several high costs

- not just the ‘infraction amount’, but also interest, legal and collection costs, bringing the total to almost £400.

 

Any next steps would be greatly appreciated.

 

Many thanks!

Edited by dx100uk
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ignore!!


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Heh, well that’s pretty simple :) Thanks! The tone in the letter did strike me odd - they mention being prepared to accept ‘meaningful’ repayment proposals to recover the money; it comes across as a little like pleading.

 

Why would this have taken almost four years to materialise? And in the form of debt collection? It’s all very weird...

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and designed to fleece people....

they usually chase bogus French mortgage shortfalls

 

so this might be one of their new contracts with a portfolio they've bought over old motoring offences

safe to say nothing you ever pay these people actually gets to whom you might have owed anything to

it goes straight into their pockets for free holidays and that nights drinks

oh and to fund sending out 10'000's of other bogus debt letters.

 

its a numbers game

if one or two mugs are willing to pay because they think a DCA has some magical legal powers then it makes things profitable for their business model.

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That’s even more depressing. Thanks for the advice. I’ll keep a hold of this letter and update if I receive anything else related. Hopefully this can serve as a warning to anyone else who hears from them.

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its all DCA's can ever do..no matter which country they are in or the debt originates from.

they are NOT BAILIFFS

 

dx


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Different outfit, but the same fleecing method as got my father. He had hired a car in Rome and unknowingly racked up half a dozen or so infringements of a controlled traffic zone during his stay. It took almost four years for the fleecers - a UK based DCA - to write threatening hell and damnation unless he paid them well over £1600.

 

In father's case he paid up believing the threats to be legitimate, before owning up to me, and with very little research we discovered that he is not alone and many have been subjected to the same threats. With further research it also became clear that the DCA has absolutely no purpose other than to threaten (and rake off a tidy share of anything recovered) and only IF the local authority in Italy sought to take action they would only have jurisdiction in Italy and providing that you have no intention to return (and even then there would only be a small chance of finding trouble) then there is nothing that they can do.

 

Father later had another letter demanding further payment for another infringement not previously included and rightly that time completely ignored them. He has not heard from them since!

 

As a subnote, the legal system in Italy allows 360 days after establishing the identity of the driver (or hirer) in which to contact you. You should therefore have had a charge to your credit card (presumably) from the hire company, and then a notification and demand for payment from the Italian authorities - which in my father's case was by email and looked like a foreign s*c*a*m so it was deleted and only three years later did he get a letter from the UK DCA


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http://servizi.comune.fi.it/servizi/scheda-servizio/polizia-municipale-pagamento-multe-e-informazioni-sui-verbali

 

Click translate once on the site......also Statute of limitation is 3 years in Florence.


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I hate to say it but Italian and Greek police are notorious for writing up tickets for tourists and not issuing at the time but getting them sent out in the post in the hope that you dont check up the legitimacy of what they say and pay up.

CLI deal with a lot of foreign motoring tickets as no-one else will touch them knowing they are 99% dud. If they were legit then the matter would be dealt with differently and no via a dca.

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Thanks for the replies, all. I’ve received another letter today, similar to the previous one, this time headed as a ‘final reminder’. Looks very similar to the same thing others have gone through. I’ll update if anything of interest happens.

 

Sidewinder, sorry to hear about your dad! I can totally appreciate how he got into that situation, mind. I was as clueless when I posted on this forum.

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Credit limits international had no authorisation on the FCA register to carry out debt collection, the last time I checked. If this is the case, I am not sure they could actually handle any monies that relate to debts.

 

From what I can tell from online checks of their business model, is that they offer a debt chasing service, where they provide various standard letters to creditors and authorities that can chase for debts. Any monies collected from sending the letters would go back directly to the debt owner.

 

If there was any legal action to recover the debt, I would think that CLI would just facilitate the debt owner using a UK Solicitors to pursue it for them.


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So this has escalated to my receiving a letter notifying me of a doorstep collector visiting in 7 days. Had about five letters in total now. Should I reach out to CAB? Are they still trying to call my bluff?

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stuff and all any doorstep DCA can do.

no powers at all just like a DCA themselves

IF they do turn up simply tell them to leave else you'll call police 101

say nowt more film them too.

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I guess what I’m trying to suss out is... if they have no legal jurisdiction, would it not make sense for me to write to them and inform them of this, plus my unwillingness to pay? I could, say, call their bluff by asking them to pursue legal action?

 

If I don’t respond, they seem to think harassing me in person is acceptable. Who knows how long that could go on for?

Oh and, again, thanks for all this advice!

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Very little point in writing and you certainly would never state anything about owing a debt.

 

 All that happens is that some DCA's pass on a list of debts to local collection agents working on commission. They will knock on a door asking if Mr x lives at the address. You would never confirm your name at your doorstep anyway. So you just shake your head and close the door. Chances are you would not be in anyway. They don't spend too long trying at an address, as they need to visit as many as possible, given they are on commission.

 

ignore and stop worrying.

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It’s a weird world we live in. Thanks. 

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ive just read this thread not realizing it was here after i posted a similar thread today.

 

i am having the same problem with CLI they are chasing me for a parking fine in Italy from 2014 that i knew nothing about, they are threatening  me with a European enforcement order

but when i asked them to email me the order they couldn't as they don't have one.

 

i actually spoke to them after the 3rd letter they sent and told them i wasn't denying that i was in Italy at the time but was unhappy about the extra cost added to the fine as i didn't know about the fine until their first letter arrived. 

 

they emailed me again today with a final notice that's when i came onto this site for advice, from now on i wont be acknowledging them

 

thanks

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Sounds like the same bunch of jokers. I’ll post if they do send someone around and will stick to the useful advice offered on here.

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I’ve had the same... got one today with the fine from Italy attached and it showing a pic of the hire car going through 

first letter I’ve got where they’ve even mentioned the date of occurrence

saying they have passed to legal team .. I will continue to ignore but I am assuming they can’t actually action a U.K. COurt proceeding?

 

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if you mean by they a totally powerless dca..correct.


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i just received this letter from them yesterday, looks like they will keep on trying...

 

i expect the doorstep collection letter next...

 

 

FINAL NOTICE

?

Creditor:

Polizia Municipale Di Sanremo

Details of the offence:

ART.7 C1 E 14 - Parked in fee-parking area without displaying a ticket

Car reference:

WI-AR3748 From "Avis Budget"

CLI reference:

XXXXXX (please quote on all communications and payments)

Infraction Amount

? 98.16 (converted from ?113.87)

Interest:

? 37.86

Statutory Legal Costs

? 53.73

Compensation:

? 24.00

Debt Collection Costs:

? 0.00

VAT on Collection Costs:

? 0.00

Balance due:

? 213.75

?

We regret that you have not yet made further contact with us.

?

We have already informed our client that you have not taken the opportunity of our appointment to resolve this matter amicably and that it is now appropriate to take further action against you.

?

We are aware that you may not be in a position to make full payment at this time and we would welcome your proposals to settle the debt in instalments.

?

If you contact us within 7 days and make repayment proposals, further recovery action against you can be avoided. You just need to tell us:

?

? The monthly payment you are able to pay

? How you will be paying

?

We urge you to make contact today in order to avoid further action being taken against you.

?

Finally, may we remind you of your right to seek free independent legal advice from debt organisations such as the National Debtline, Stepchange, or your local Citizens Advice Bureau.

?

We look forward to hearing from you.

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oh I bet your scared..not

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