Jump to content


  • Tweets

  • Posts

    • as well as informing them of a fault, you must also formally assert your right to reject the vehicle under the Consumer rights act. This must be done within 30 days of purchasing it. if you haven't done this and it is still within the 30 days then you should do it immediately by email and confirm in writing  
    • Good point from HB.   Before you see a solicitor start trawling everything you have for relevant papers -  emails, letters etc. + All the documentation you have relating to the purchase of the house. And copies of everything else that you mention about bills, tenants etc. That could all amount to a lot of paper.    Then take a photocopy of everything you have found ready to give to your solicitor.   And make some notes for yourself in detail about everything you remember.   Incidentally, it's just my opinion that  will  need more legal advice than can be given here. Maybe someone will come along who is an expert in this. But TBH I think that is unlikely, that's why I recommend you get your own solicitor asap. Because (a) it's legally complex and (b) there's a lot of money at stake for you.
    • I represented a family member in an Employment Tribunal which was awarded in their favour.  Background: The respondent failed to provide a bundle and came unprepared as he had planned for their finance employee to attend, but they were ill which left the respondent with no information on the day. The Judge gave the respondent the opportunity of 3 hours adjournment over lunch to get bundles but he declined and agreed to accept whatever decision the judge made. Once the judge verbally provided their judgement (recorded by herself for court process purposes) which was in my family member's favour, the respondent asked if he could appeal. The judge advised that the appeal process would be advised within the judgement documents (sent in post) and he could follow them once received. The respondent posted a small bundle of documents to both the tribunal and ourselves, but did not include any letter or application for reconsideration within the 14 days but the judge has decided they add nothing to the case and has closed the case, placing his bundle of documents on file.   I have spoken with both the Tribunal office involved (case closed) and London Court of Appeal who have received nothing in this matter.   Firstly, Which is the best way to secure payment from the respondent? Secondly, The Judgement states that the Claimant is eligible to claim 8% interest but is this from the day following the expiry of 14 days when payment was due, or the day following the expiry of 42 days which the respondent has to appeal? and how do I calculate the daily rate please of £2,500?   TIA
    • Lantern (QQ)   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.   27/08/2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83   What is the total value of the claim? £584.99   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL   When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lantern   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Couldn't afford them   What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - rejected my DMP for one I couldn't afford.   
    • I think friends worry is that that the original initiator of the Claim will step in again. The original Claim and repo hearing was made by the freeholder for non payment of service charges.  The bank stepped in and paid the service charges.  Then when friend didn't pay mortgage the bank asked the judge to re-open the Freeholders Claim.  Friend paid the bank arrears.    But now friend is worried that the freeholder will return to re-open the same Claim. Ping-pong between bank and freeholder !!  Unless this particular Claim is stayed/ struck out
  • 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...