Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Everyone in this forum seems to be blaming the drivers for all these infractions. If the authorities have 90 days to notify the rental agency of the violation, the rental agency has 60 days to provide contact information to the authorities and the authorities have 365 days after to send you a bill, this means that all bills must be sent within 515 days of the infraction correct? Or are you reading 03-11 as March 11, when Europeans put day first and then month- November 3. If it's true, you can easily file an appeal by registered mail an win. 3 years later I received a letter from a California collection agency demanding over $400 for failure to pay. I'm a little worried about all of this. When I check post/mails in my post box recently(August 2019), I noticed on January 2019 I received a paper from some Florence fine collection law firm? Apparently a common reaction to getting a ticket! Likewise, for non-US citizens in the USA, tipping is entirely optional, and is not required. Also the letter received has not been sent registered post. Didnt even cross the street but figured we were getting a ticket. He takes a monthly photos of his utility meters, and whenever the HUGE utility bills do come, he's prepared. or Do you live in the United States? So, if you don't mind your credit score taking a hit for a couple years, or spend a lot of time correcting the credit report, ignore it. Not all payments are boost-eligible. At some point, it will not only be inconvenient to drive due to ticketing, but actual rental will not be an option due to age. by Mike Berilla. Experts and industry leaders said banks are pumping investment into technology that can connect information silos. I'm so over Italy as we also had our rental car broken into and everything was stolen. How do you know that the police were notified of your name and address on the day you were charged? I dont have a problem paying once but I am not going to pay it twice. Share sensitive information only on official, secure websites. Using fines as an ATM machines to collect money from people is not a problem only in Italian cities and towns, as you can read below: https://thehill.com/opinion/judiciary/391449-american-courts-should-not-be-turned-into-revenue-machines, https://www.caranddriver.com/features/a15104884/traffic-tickets-have-become-a-tax-hack-pile-on-column/. As written above: Cops have 360 days to send the first registered letter to foreigners driving a rental car. Now several days later, I have received a 2nd ticket for a separate offense. The silver lining is that you have to pay only 6 months a year, instead of 12. Effective July 1, 2021, California Governor Gavin Newsom will require large property landlords of subsidized multifamily housing units to offer renters the chance to report their on-time rent payments to major credit bureaus at a low cost. Beginning September 2016 credit reporting agencies, Equifax, Trans Union and Experian will no longer report debt that \"did not arise from any contract or agreement to pay\", such as traffic tickets and government files.Your unpaid tickets will no longer be in your credit report. The "no cars beyond this point" sign is like all the other signs to them, a ZTL is nothing special. Please trash your ticket! But we would do it again. Credit bureaus can sell the information on your credit report to: These businesses may use the information on your credit report to decide if you qualify for: If a CRA denied your request for a credit report, contact them first to resolve the issue. Superiority is a gift, I suppose. Then sometime later you get a notice of a larger fine for the ticket itself, sometimes with a need for a wire transfer to pay. I considered it the cost of learning a lesson and went on. where can I get the evidence of the original invoice from italian police? 55 votes, 15 comments. Has anyone on here personally used TransferWise to wire money for a traffic violation? Don't see what you're looking for? Make sure you include your mailing address! Tourists are back. How much the City actually collects from foreigners is a totally different story. We had a speeding ticket that was received 6 months laterso we had to pay the highest charge. You probably received the notification from an international collection agency. For reprint and licensing requests for this article, The 20 top-performing banks with $2B to $10B in assets, The 10 top-performing banks with $10B to $50B in assets, 10 banks alleged victims of ransomware attacks on file transfer software, What banks need to watch from the House GOP's anti-ESG month, Why Citi's results could turn inside-out in the second half of 2023, JPMorgan warns capital rules could take economic toll, GOP floats bill that would strip top Fed banking regulator title, Banks get clearer views of risk using AI, data integration and the cloud, Visa and Car IQ team up, Citizens names a California chief and more. The 'lovely' California collection agency is on my -you know what- because I am contesting it and have not paid it. I don't know if that expands to foreigners, but at least you can ask. I booked a car online with Eurocar. That should be a hit on your credit card with which you rented the car. Don't reward the criminals by paying their extortion! It may be me, I have gotten two speeding tickets in 52 years of driving. There's nowhere for me to note the violation number as a reference. A.B. You may request your reports: Credit reports show your personal financial information, including: In most cases, your credit report will not include your credit score. Standard Digital includes access to a wealth of global news, analysis and expert opinion. Most likely after an attempt to contact you is made, the location will sell the debt to a debt collector who will try and hassle you for the money with a bunch of extra fees added by this time. He used his credit card for the rental car and he drove the entire trip. Currently, he's returned to Italy, with the attitude that some things are great in Italy, and some things remain chaotic. In addition, they have never provided me with a photo radar image nor was there written notice given at the time of the alleged infraction. USE THE CONTACT FORM BELOW TO LET US KNOW YOU WANT ONE We will send you payment information. I got 4 tickets each issues 8 minutes after the first. Perhaps the ZTL is not directed toward tourist, but we take the blunt of the tickets & fines! I figure this money comes out of my vacation fund, because it was a vacation expense! Debt arising from traffic fines are no longer reportable to the US Credit Bureaus, even if arisen in the U.S., let alone from foreign jurisdictions. Your choice. The violation notice says this is required for them to process it. There was no alternative to reverse back. This is not true, you can get a 30% discount if you pay within 5 days from the moment you receive the registered letter. I finally received another notice on about 5/7/2019. Hell yes! You can be going 1km over the speed limit and an Italian fining authority will issue a ticket. I have enjoyed driving in several central European countries without incident. No? As we all know, politicians prefer to tax people who cant vote them out. Thanks to the Iban system and EU regulations a wire transfer takes one full working day to be processed and can be monitored from the 1st tp the last second. It is true that there are times when Italian bureaucracy is frustrating, but so is the American one. There is a 30% discount if you confess and pay within 5 days from the day you sign the letter receipt. If you go back to Italy during this 5 year period, the possibility they might catch up with you is very slim. It says they will send it to a collection agency if I don't pay within 20 days of receipt. I received a ticket in the mail due to driving in a zone during a time that was for buses only, wth. It certainly was not intentional. I just received two tickets from Pisa and just paid them - I was just BARELY under the 60 days. Click HERE for the story. I have driven in Chile and was stopped at a checkpoint with no problems, I've driven by mistake into a market street in Torun, Poland with a friendly correction and directions by a Police Officer and survived the Wild Atlantic way in Ireland with right hand drive and one lane roads. 2023 Rick Steves' Europe, Inc. | CST# 2086743 | Terms of Service | Privacy Policy, https://cdn-01.media-brady.com/store/stit/media/catalog/product/cache/8/image/85e4522595efc69f496374d01ef2bf13/1533602043/d/m/dmeu_tc40_03_1_std.lang.all.gif, https://thecreditbureau.com/2016/07/credit-agencies-stop-reporting-unpaid-tickets/, https://accountcontrol.com/NewsResources/UnpaidTicketsTrafficViolationsAreNoLongerReportable.aspx. Did you enter a ZTL or not? Much appreciated for any advises. It sounds like it went out on time and took a bit of time to get through the postal services. Safe travels! It says the police officer filed it May 11th 2018 and it was from a photograph. To expedite the transaction, you need: The reference number (This can be found on the notice you received or by calling the PCR) The zip code of your mailing address. If you have a smartphone or use Chrome or another browser that tracks your movement, check to see if your vehicle was at the stated location on the ticket at the specified date and time. I got a letter (ticket) from last years' trip to Italy from a small village, but I can't tell when the timer started. Even though a tenant may pass your initial creditworthiness processes at application time, it's impossible to predict if circumstances or intentions will change and the tenant will become a problem payor. I know most of you dont work with debt collection agencies (I do), so may not be aware of all regulations in the field, but I thought that should be common knowledge by now. Car rental company said if there was a infraction the renter would hear within a few weeks and details of payment would be given then. You can't really Expect a small town to waste money with credit card fees to get paid when there is a free alternative that the 99% of their "customers" can use at no cost . kmillard7, You may be misreading the date. Have you now gone through both steps twice? I entered the Limited Traffic area without paying the fee. Just noticed my email today, an email you can easily ignore (with unknown language title and content), I knew about ZTL and I was all the time trying to avoid it, I don't even know where is the location I got this ticket, only know it happened in Bologna, while in other city(Milan) I google every step and pay for so call area C ticket, and all the 20 days I travel in Italy trying to do everything right and follow the rules, the parking, the highway, the speed, still I manage to get this. My question is will we be able to rent our car as planned or will there be a problem getting it? Collecting spousal support obligations when spousal support is ordered with child support. Fight back against the SCAMERas! However, Pisa doesn't need to know that you were notified. So if you want the latest iPhone and opt for an affordable two-year payment plan . Weeks later I got a letter from the police chief in Alberobello apologizing and enclosing a document saying the case was closed! Local governments and counties will not be able to use credit reports as a tool to collect tickets and fines. Beginning in September 2016, credit reporting agencies, Equifax, Trans Union and Experian will no longer report debt that "did not arise from any contract or agreement to pay," such as traffic tickets and government fines. And, of course Europcar was charging a handling fee. So if you dont pay the only consequence is having to deal with pesky credit collectors bugging you trying to collect a debt that they have no chance to get enforced in a court of law. 7-19-2019. There are three major credit reporting agencies: Equifax, TransUnion and Experian. petanokona, more and more cities sell unpaid fines to international collection agencies. For instance, The need to save money "for huge utility fees" derives from the US habit of living as jugglers on credit cards debts . By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). They will get you the answer or let you know where to find it. If you have just received them, the next week-end will be well within the 55 days you have to either pay (with no 30% discount) or appeal. Creditors and lenders may deny credit based on this information. Not one other post mentions that it may be impossible to avoid the zones when driving to and from rental car offices. They say it isnt good enough, they need a receipt that should have been mailed to me. All of our counselling is free! The authorities must notify the owners of the car within 90 days of the infraction. In a perfect world, the agents would make clear up front what those are to avoid any ZTLs, but the renter/driver is ultimately responsible for navigation and avoiding ZTLs. The three major credit reporting agencies announced Friday that they will strip 70% of medical debt information out of consumers' credit reports, starting July 2022. He found out his credit card was charged from Eurocar for providing information to police. From the 6th to the 60th day you can either appeal or pay the full fine. Then the next time I was going to Italy, I wouldn't be sweating bullets. First, this is called hijacking a posting. That leverage is no more, thanks to a $6 million settlement reached between thirty-one state attorneys general and credit reporting agencies Equifax, Experian and TransUnion. The law requires credit reporting agencies to include information about overdue child support in your credit report. Your point is well made. We will use the funds raised from this to spread the word to more cities about trashing their ticket. I'm dealing with a debt collector out of California who is after me for a "traffic violation" in Italy in May of 2017 for which I received a notice from the Pisa Polizia roughly 18 months later but NEVER received any documentation as to what it was that I supposedly did to warrant a ticket. I'll keep that in mind in the future. That is an unlikely circumstance even for Italian residents. Better later than never, here. Press question mark to learn the rest of the keyboard shortcuts I felt that I had to drive super fast there just to keep up with traffic. Ransomware gang Cl0p is currently threatening 50 companies with releasing data it stole from them late last month. They may appreciate that you at least try to pay. No more for me! This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. It taught me that no matter how careful you try to be, you may still end up with traffic violations when driving in different counties. It just applies to different things. I would give serious consideration to a third party to pay a ticket in the future. Dallas Morning News proves that unpaid camera tickets will not go against your credit! Now this. Not all Italian cities bother with sending fines to foreign residents, and even fewer bother to engage international collection agencies. They have gone so far as to be rude and condescending about my choosing to travel abroad. You both did the crime, so split the fine. What scam? A Kaiser Family Foundation analysis published in2022 showed that about 23 million Americans have a medical debt of at least $250. I think we will stick to the trains! This one only will let us wire the money). You still NEVER have to pay a red light camera ticket. The New York megabank benefited duing the second quarter from strong revenue growth in its giant credit card business, which helped overcome headwinds in wealth management and investment banking. Ive never gotten a ticket, even in Italy. We can't change the Italian system, obviously, but we can be educated and try to be prepared, and hope to be a little lucky. Whether its a huge bill or not, depends on how much you use, and a two month bill is obviously higher than one month. There are some good suggestions for handling your fine in the comments here. Well, when in Rome Wire transfers are usually free for both sides all over Europe, sometimes they are free only for the receiver. More confirmation that you can trash your ticket! There wasn't any indication that we went somewhere we weren't supposed to. If you are receiving a bill later than this, what is the appropriate action? Dario, thank you. organisation One of the bridges was closed for construction so the navigation took us on a slight detour. Even though I tried my best to avoid breaking any Italian traffic laws, I did accidentally end up in restricted zones twice. It's true that 15% of ZTL fines are given to those living in Florence, but outside the ZTL. In reference to the last comment, debts arising from traffic fines are no longer reportable to US based credit bureaus (Equifax, Experian, Transunion) even if incurred in the USA (let alone those incurred in third world countries where scamming is rampant). (This assumes you were in a rental car, not your own car.). It also said this: The service is not able to automatically determine the amount to be paid as the notification date of the fine has not yet been recorded. The website is supposed to tell you what you currently owe, but they dont know weve received the letter, and were just gonna pay the lower rate.