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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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Holmer Park Health Park Gym - Verbally Cancelled membership months ago - told it was done - but just discovered DD still Active **RECLAIMED BY DD GUARANTEE**


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Hi, I probably don't have a leg to stand on here but thought I would ask , just in case. I've been a member of a private health club and decided to cancel my membership over 7 months ago now.  

When I asked at reception how to go about cancelling she said she would do that for me. My direct debits are all in a holding account that I didn't check because I assumed (incorrectly) that everything had been taken care of.

My life has been somewhat preoccupied looking after my elderly uncle who has dementia, so when I went to set up a new direct debit for something else I was upset to find I was still paying the membership. The membership relies on a card that you scan in and out of the building so I do have evidence that I have not been there.

When I spoke to management they said that their policy is to send an emailand a months notice. That wasn't't what I was told at the time. I don't suppose it makes any difference but thought I would ask just in case.

Thank you. 

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When you say that your money is in a holding account, what does that mean?
Has your membership actually been cancelled?

Also, which gym/health club are you talking about?

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I meant an account where all my direct debits go out of sorry I thought it was called a holding account.

The health club is called Holmer Park in Hereford.

They said they will cancel my membership now.

But I’ve given them a lot of money because of following advice I believed at the time to be trusted. 

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Who gave you this advice?

Also, have you any evidence that you make the telephone cancellation?

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I’m afraid I don’t know as it was so long ago.

It was someone on reception & I spoke to them in person which means I probably have nothing accept they would see I haven’t been in the building for over 7 months because I haven’t used the card.

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work out the date when you stated you wished to 'cancel' regardless to the method or if it actually 'happened' 

then goto your bank and do a DD guarantee reclaim back to one month after that date , i'e allow ONE payment to go out meeting the industry std of 30 days cancellation notice.

nothing anyone can do to you if you succeed.

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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Well done. Get ready for threatening letters from the gym – and of course ignore them

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well done, glad to help.

just ignore everything you get by any comms means.

they probably dont do anything but just be fore warned, it's ALL hot air, other than complaining to the bank, and the VERY remote chance the bank MIGHT reverse it, there is nothing anyone can do to you.

and just in case 

if you ever get any comms from a DCA...

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt - no matter WHAT it's type.

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

Thank you guys I really appreciate the advice.

It hasn’t landed in my bank yet but she said if it doesn’t get in by 5pm today it will be 5pm tomorrow.

The refund needed to be submitted by 4pm today & it was just 4pm. 

I will the rest of your advise for any possible come back.

Assuming it all goes smoothly regarding the refund.

Thanks again your advice is so very much appreciated x

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Hi Arty,

When the gym sees the bank has reversed the DD's, they may contact you seeking the money back. Whatever happens, just let us know what they say.

We may suggest how you should respond or we may suggest you ignore them completely.

Given the amount of time involved since you cancelled, and the amount involved in the refund of DD's by the bank, it may be worth writing 1 letter to the gym clarifying your position regarding the cancellation and the reason for the reclaimed DD's.

Keep us posted ........

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • dx100uk changed the title to Holmer Park Health Park Gym - Verbally Cancelled membership months ago - told it was done - but just discovered DD still Active **RECLAIMED BY DD GUARANTEE**

thread title updated.

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

Yes thanks, will keep you posted.

I’m almost excited to see what happens now.

The woman at the bank was really helpful.

When we realised how much they had taken out of my account she became quite protective.

It’s been worth going through the whole thing just to experience my bank looking after me. 

Not to mention everyone on the forum, I don’t know what I’d do without You xx

Hi everyone, the money went into my account! 😊.

Thank you so much for all your help.

I have made a donation for as much as i can afford taking into account if I have to pay it back.

If all goes well will donate more - because you all deserve lots and lots of financial and much more reward. 

Thanks again

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:yo:

 

  • Thanks 1

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

  • 2 weeks later...

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