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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 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    
    • Hi Dave, I had no updates on this PCN since my last post in July 2019.  I received no further communications from the parking company.  I changed my address in May 2022. Thanks, I will send a letter to Excel parking to inform about the change in the address. 
    • I have a BMW Advanced Car Eye 3 Pro - I think it's 50/50  In any case, none of the documents / photos sent in the SAR showed a ticket on the car. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Time limit on debt collection???


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Hi,

 

I have just received a letter from Clarity Credit Management Solutions re: a very old loan I had with Egg dating back to 2001. I did not fully repay the loan, but I have NEVER been contacted by Egg with regard to the arrears. They have had my email address and my credit history has been updated with my addresses over this period of time.

 

Does anyone know if there are any time limits for how long a company can pursue an old debt (for example, if Egg has placed a CCJ on my credit history in 2001 it would have fallen off by now), and if they have a duty to show that they made reasonable efforts to contact you about the account before enlisting the services of the bully boys.

 

I wonder why I've been contacted now about it?? Strikes me as being a little odd??

 

Any help or enlightenment on this one greatly appreciated!

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Thanks both for your responses. I will definitely not be acknowledging this debt in any way and will be sending off the standard letter to Clarity asap.

 

Thanks again.

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  • 8 months later...

Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

 

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

 

Cheers

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Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

 

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

 

Cheers

Could this by any chance be Lowells aka Red Debt aka Hamptons Legal.

 

They have recently bought a shed load of UNENFORCABLE Barclaycard debts that they are trying to fool people into thinking they have a legal obligation to pay. Truth is THERE IS NO LEGAL OBLIGATION TO PAY A STATUTE BARRED DEBT

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Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

 

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

 

Cheers

 

Assuming you paid nothing for at least years, the above letter will suffice. You will probably then get a letter referring to a "moral" obligation.

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Hi there, just thought it would be worth adding that I followed the advice given in this thread at the time of my original post, and managed to beat Clarity into submission. It took 3 letters (they just continued to send their standard letters out to me, even heading up the letters that they were 'disappointed I had not contacted them'), which I sent recorded delivery, using the same language that they use (lots of capitals, bold text and threats of police intervention if they sent a 'representative' to call at my house). Eventually I received a letter from their customer services director apologising for their failings and promising that I would never hear from them again. They said they had returned the debt to the originator, but so far I have not heard anything from them either.

 

The help available in this forum is amazing. Its helped me with the above, and it also helped me to claim over £3k of charges back from my bank.

 

Thanks a million.

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It seems to be the same with most bullying DCAs. They threaten all sorts and continue sending threatomatic letters. However like most bullies thay are easily beaten when confronted with the law. Thet are so stupid that they do not realise that if they adopted a genuine attitude with folks instead of being ignorant and nasty on the phone or sending threatening letters they may well have more success. Now people feel so intimidated by them that they immediatly type their names into GOOGLE and end up here where they discover what and what not a DCA can actually do.

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  • 2 weeks later...
Right now, I am ignoring them, will see what happens.

 

I'm in the mood for a fight, so I'm secretly hoping they might try something................

 

Cheers, Midori

Other than bluff and send empty threats there is nothing they can do on a Statute Barred debt.:o

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As at today's date, red have got to the stage of offering me a 50% deal--I should cocoa!:p

 

Interested to see their next move. They don't have a phone number, and I'm not going to be daft and give 'em one!:rolleyes:

 

I'm fascinated by this whole subject, and seeing how far they will go with it....;)

 

Cheers, midori

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If you are sure that you have not acknowledged this debt for 14 years then ignore it, there is a letter in the templates - I'll get you the link.

 

EDIT

 

Letter M here

 

hi, is it possible for you to give me the link for this letter template as this has just happened to me, only i cant remember having the card it was dated 16 years ago according to barclaycard and got quite nasty with me for phoning them about it and told me to discuss it with lowell. i have not admitted anything in fact i denied having it to lowell. they asked for a copy of my signiture, what should i do?? i have changed my name by marriage twice since then. any help and advice would be great. please.

thanks wendy

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  • 2 weeks later...

Surprise surprise folks. I received a letter from Red Debt that 'after further examination it has now become apparent' that the account is 'subject to Section (5) of the Limitation Act 1980' and they have closed the account and they wont be sending further correspondence. A duplicate letter arrived in the same mail! Just for the record, I didnt contact them at all and ignored any letters. Many thanks to everyone for the information that let me do this.

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