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    • 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.
    • 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 beared to you. - May of this year, I get a letter from CLI (Credit Limits International) basically 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.
    • 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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advice needed,on so many debt collectors after me


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HAMPTONS LEGAL

PO BOX 173

LEEDS

LS11 9WR

TELEPHONE 0113 394 6317

IT READS HAMPTONS LEGAL ARE THE TRADING STYLE OF LOWELL FINANCIAL LTD, registered office,

ENTERPRISE HOUSE

1 APEX VIEW

LEEDS

LS11 9BH

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Hi Michsienna, do you know if the original debt to Cap 1 is made up of unlawful charges? I have just read through your threads but couldn;t find any info. If you send Cap 1 a SAR you would be placing the account in dispute and Lowell wouldn't be able to chase you for the money. Once you've claimed your charges back, if the balance is more than the £363, then lowell will have to leave you alone because there would be no debt. (and they'd be out of pocket:D ) If the charges are lower than the outstanding balance then it would at least reduce the debt, probably the majority of it.

Try not to worry, they like using threats to scare us into paying. I don't get scared anymore, I am empowered now, thanks to this site and it's members:D

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hi there, i have one of them reclaim your bank charges for you companys doing it for me, they are still waiting for capital ones statements,

 

Are they keeping you totally updated? Do you know the date when they requested the info from Cap 1 and when their 40 days are up? Sorry for the questions, I don't know much about how these type of companies work:)

 

When I SAR'd Cap 1 I wrote to Lowell and told them the account was in dispute with Cap 1, they replied saying that they would put the account on hold, which they did. Are they aware that you are disputing the amount?

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Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the ICO register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

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Are they keeping you totally updated? Do you know the date when they requested the info from Cap 1 and when their 40 days are up? Sorry for the questions, I don't know much about how these type of companies work:)

 

When I S.A.R - (Subject Access Request)'d Cap 1 I wrote to Lowell and told them the account was in dispute with Cap 1, they replied saying that they would put the account on hold, which they did. Are they aware that you are disputing the amount?

yes they are very good in keeping me up to date

capital ones 40 days runs out next week.

your all gonna think im a right silly moo now, becouse i did not tell this company i have debts with them, i did this becouse i have heard that it makes no difference,its your money and if you want it back in full then so be it.

would anyone els agree with this???

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have i made things worse for myself????

i did this before i had disscovered this website

 

I would say the only difference between using a 3rd party and claiming back yourself is that they take so much percent of your claim as payment for doing all the work. You haven't made things worse as far as I can see:)

I would suggest you send lowell a letter telling them the account is in dispute and you will not enter into any further correspondence until the matter is settled. This worked for me, they stopped phoning and writing to my hubby. In fact, he's not heard from them since, even though the charges were refunded a couple of weeks ago.

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Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the Information Commissioners Office register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

 

i have on my letter from hamptons, members of, ccua civil court users association

also members of the ccta consumer credit trade association

next to there address it has company reg no, 4558936

also consumer credit licence no, 528607

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yes they are very good in keeping me up to date

capital ones 40 days runs out next week.

your all gonna think im a right silly moo now, becouse i did not tell this company i have debts with them, i did this becouse i have heard that it makes no difference,its your money and if you want it back in full then so be it.

would anyone els agree with this???

Nothing silly about it hun, you have asked that company to get your money back for you, no need for them to know anything about your debts etc:)

Glad they are keeping you in the know, thats a good sign;)

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I would say the only difference between using a 3rd party and claiming back yourself is that they take so much percent of your claim as payment for doing all the work. You haven't made things worse as far as I can see:)

I would suggest you send lowell a letter telling them the account is in dispute and you will not enter into any further correspondence until the matter is settled. This worked for me, they stopped phoning and writing to my hubby. In fact, he's not heard from them since, even though the charges were refunded a couple of weeks ago.

 

i did this with hsbc bank who had sold the debt on to a company called nco, i rang them and said im currently reclaiming my unfair bank charges from hsbc, ive not heared nothing from them since....

do you agree that even though i have debts with these banks and credit cards that i would still get my money in full, and they will not deduct the debt from it??

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i did this with hsbc bank who had sold the debt on to a company called nco, i rang them and said im currently reclaiming my unfair bank charges from hsbc, ive not heared nothing from them since....

do you agree that even though i have debts with these banks and credit cards that i would still get my money in full, and they will not deduct the debt from it??

When I claimed back from Cap 1 they paid my balance then refunded me the difference via cheque. With hubby's claim they just reduced the balance. When I tried to cancel my account with them they tried all ways change my mind, they did not want me to go!! I have also claimed TWICE from Lloyds who have not closed my account (even though there's no income going in) I also have a loan and CC with Lloyds, which are up to date, and they've not tried anything dodgy. BUT, saying that, I have read on the bank threads where people have had their banks & CC companies retaliate. There doesn't seem to be a run-of-the-mill fallout, I think it just comes down to individual circumstances and whether you are up to date with your payments etc.

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Ahhh, right, I get you now lol. I have just had another read of your first post and see where you're coming from.

 

I would think they probably would deduct the debt from any reclaimed money, as Cap 1 did with my account, and you would get any that remained. It might do us both good to have a read around the threads for more info on successful claims with DCA's and suchlike. The debt threads have grown so much over the past few months so it might take some time.

 

The way I see it, whether we get money back and/or have our debts reduced, the outcome will leave us financially better off. Which makes all this def worthwhile:D

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one thing i would suggest/remember.

it is your money they have taken from you.

don't be 'conned' into accepting that it comes of of 'their' debt!

request payment in full & in cheque only.

 

"i have many debts to clear and as this my money you have unlawfully take from my account, i respectfully ask it be paid in the form of a cheque, so i may evenly distribute between my debtors."

 

 

dx100uk:D

  • Haha 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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Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the Information Commissioners Office register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

 

Hi

 

Hamptons Legal aren't a Ltd company in their own right - they are just a trading name/style of Lowell Financial, i.e. in-house solicitors of the same company. Only Ltd companies have to be registered at Companies House - a company can also have as many trading names/styles as it wants.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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one thing i would suggest/remember.

it is your money they have taken from you.

don't be 'conned' into accepting that it comes of of 'their' debt!

request payment in full & in cheque only.

 

"i have many debts to clear and as this my money you have unlawfully take from my account, i respectfully ask it be paid in the form of a cheque, so i may evenly distribute between my debtors."

 

 

dx100uk:D

 

thats what im am gonna do, im sure the reclaim bank charges company will get it all for me too, at the end of the day they are gonna want paying too

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morning everyone,

today ive recieved a letter in the post from SCOTCALL DEBT COLLECTING SERVICES.(acting for a book club i apparently owe £109 to) they have wrote to tell me that due to the content of the letter i had sent them scotcall will now return this account to there client, and i will here no more from scotcall regarding this matter, the account has been returned as dispute.

i will now hear direct from the client regarding this out standing amount, if i have any further queries or problems i am to contact the creditor directly.

i wonder what will happen next xx:|

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another thing, is , its been over a month now,since requesting agreements after sending the cca letter and i havent recieved any agreement i take it that this is good news xx:)

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Sounds like your doing really well michsienna, well done. I hope you get debt free. Like myself am sure you would rather be able to afford to take your kids out. I didnt mind paying my debts until we fell into arrears (caused by bank charges and wages getting swalled up etc) and now we seem to be going nowhere with clearing our debts! We should of been debt free nearly 2 years ago. But hopefully we are getting there now.

 

Anyway keep up the good work your an inspiration to us all!! :)

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thank you your so very kind, i must admit i am very nervous about all im doing, but it realy does feel so good to be takeing control over it all. i wish you all the best xxxx

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michsienna,

Well done for taking control, I agree it is such good feeling. It's nice also to 'get back' at the DCAs who have imtimidated and frightended and threatend you over the months/years.

 

Of course you are going to be nervous but believe me, as soon as you know you are in control, you won't feel like that anymore.

 

Whilst I am not advocating getting out of a debt which you have run up, if the creditor has not taken the appropriate action to keep you bound to a CCA (ie having a properly executed agreement) or not contacting you in the appropriate time scales, then it is their loss, may be not the best attitude to have but I have admitted to all the debts I have run up but there are a few that I know darn well I have nothing to do with and it is not up to me to prove I didn't run them up, it is the DCA's who need to prove to me I signed and agreed to a CCA to enforce a debt.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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