Jump to content


  • Tweets

  • Posts

    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. The defendant has failed to remedy the breach in accordance with a default notice issued pursuant to ss. 87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
    • I suspect the judge is giving you the opportunity to change [should your wish] anything in your initial defence now that the claimant has played their hand. it doesn't say witness statement but formal defence.   dx  
  • Our picks

mrflibbl3

Credit Limits International: Italian Highway Code Debt

Recommended Posts

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
spacing

Share this post


Link to post
Share on other sites

ignore!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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...

Share this post


Link to post
Share on other sites

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.

  • Confused 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

they are NOT BAILIFFS

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Share this post


Link to post
Share on other sites

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.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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?

Share this post


Link to post
Share on other sites

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.

  • Thanks 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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!

Share this post


Link to post
Share on other sites

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.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

  • Like 1

Share this post


Link to post
Share on other sites

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?

 

  • Like 1

Share this post


Link to post
Share on other sites

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

oh I bet your scared..not

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...