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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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Hi everyone,

 

Coincidence about Postie mentioning the harrasment call letter to WF.

 

I have an old debt with Barclays Bank that is long ago " Time Expired " and I have been getting letters from CCS COLLECT-DEBT COLLECTORS on behalf of Aktiv Capital UK Ltd.

 

They sent me a letter that arrived today saying that I have 72 hours notice of a home visit before recommending Court Action after investigating my home situation.

 

Then I had two phones calls this evening from the blood sucking parasites.

 

I told them in no uncertain terms that if they don't stop calling me then I will call the Police.

 

They must think that I came up the River Thames on a barge yesterday.

 

******* *******'s.

 

Oh dear I just swore.....;)

 

If they dare come around to my home, then there will be a bit of a shock in store waiting for them.....:lol:

 

Take care

 

Voda

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well quality street

 

glad you realy know now how these insurance cons works

 

like to see them justify that in court

considering the cost with interest on these policies

 

 

might your local branch be closed down, every day they are closing

 

 

just an update

 

cattles was suspended from the stock exchange for failing to publish its last three years accounts

 

they had six months to comply or they will be ejected for good from the stock exchange

 

that will happen in three weeks

 

21 days and counting

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Hiya Hun,

 

You are so right about these type of people who think that we are all dumbo's.

 

I will not even contact them and tell them via a letter that the debt is " Time Expired " as I want them to waste their money sending me threatening letters and making phone calls to me at unsociable times of the day.

 

Of course it will all go away soon until the next time.

 

They contacted me 2 years ago about the same debt and it was " Time Expired " then.

 

They are just pathetic these companies.

 

What a job calling and writing to people in order to try and get money out of them.

 

They must be really sad people with no real ambitions whatsoever.

 

Bit like Welcome Finance staff eh? ;)

 

I am a tough woman, for sure.

 

Take care

 

Voda

 

 

 

thats the spirit voda

 

they rely on peoples ignorence

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Am so loving this thread! i have a secured loan with Welcome (I know, I know!! I was desperate). I defaulted, heard nothing from them (except for the odd and incorrect statement). Then, out of the blue, I rec'd a Final Demand from Lewis (including £8,500 over the amount borrowed). I immediately CCA'd them (10 days ago). No reply, just a letter today from Howard Cohen 'Notice of Pending Legal Action' (adding another £410 to the bill), listing all the usual threats (bailiffs, salary deduction, debt secured against property - oops, guess they don't know it already is?).

 

Welcome is a bad joke. Should I send in a SAR? If so, to Howard Cohen, Lewis or Welcome?

 

How do I subscribe?

 

Thanks to all you intrepid UnWelcomers!

 

CXX

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just an update

 

cattles was suspended from the stock exchange for failing to publish its last three years accounts

 

they had six months to comply or they will be ejected for good from the stock exchange

 

that will happen in three weeks

 

21 days and counting

 

 

Not wantin to make myself look silly, but what does this actually mean for us?

It seems like every month or so some new announcement is made on the news or whatever but they aint calling it a day. It seems they are being dragged out of business kicking and screaming all the way. It makes me wonder if there ever will be a final nail in the welcome coffin :sad:

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they were calling my mobile until 8.15pm last night, she must had been desperate for a month end target??! i really want them to go away, i am going to send the telephone harrassment letter today but i read earlier that they are allowed to call if you are in arrears? is this right? thank you

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grumpymoo. Tell them you want work numbers removed from files as well, this was one of the first things I did. Tell them you are not allowed personal telephone calls at work. They complied with me and removed the numbers.

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hi pwg6565, thank you i will try that, i hate it when they call work, i never answer my mobile to them but obviously i can't see who it is at work. they phones nearly all day on my mobile up til 8.15pm! different mobile numbers, local branch number, even some 'unknown'. hopfully they'll go away now til end oct!

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i will tell them anything to shut them up, i will never give them my debit card details as they can then charge it whenever they like, i will only pay my direct debit but i cancelled it cos i had to, i got got charged £25 for purely cancelling the dd, the payment wasn't late when i recieved the letter, its such a joke, not getting anything, posting my letters today and getting things moving! :D

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