Drivers Elad Srl Italy

“Nivi Credit”: Robbers or Beggars?

Summary
Don’t pay Italian traffic fines.
Just ignore “Nivi Credit”
Cancel your credit card, if you can, before car rental firms can charge their fine-related fees.
Fines are a lucrative extra business for car rental firms.
Clever Italians don’t pay fines, they drive German-registered cars.
Avoid Italy altogether.

Entrapment

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When you get your first letter – or perhaps, your first batch of letters! – from Nivi Credit, months after your visit to Italy, your opinions about that country may change a lot.
Italy might indeed become your least favoured country.

Some admirers of Italy show no pity for the victim: “if you go to a place, obey the rules, or pay the fine”. What a candid statement!

The truth is, Italy, especially local government there, lives on fines as a substantial portion of revenue. People would love to respect the rules, to avoid paying fines. Government’s mission is: make obedience impossible, in order to maximize fines and revenue.

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The means? Entrapment!

Private companies operate traffic cameras, speed traps and the like, and usually they just manipulate whatever can be manipulated to entrap as many people as possible.

What happens if I don’t pay?
This is the main question. And I’ve set out to find out about it.
I have not paid my fines nor collected any of Nivi’s letters, and I still regularly travel to Italy.

If something happens to me as a result, I’ll post it here (provided they have internet access in Italian jails!).

In Switzerland, where I’m from, most people pay Nivi’s fines. They are afraid that Swiss police will collect the Italian fines. I rang the Swiss traffic fines department and was assured that they wouldn’t dream of collecting Italian fines. Wonderful!

So, what happens if I go to Italy? Inside Italy, that is for Italian residents, unpaid fines get handed over to the state-owned Equitalia company, which will issue a “cartella di pagamento”, also known as a “cartella esattoriale”. Armed with these, they seize all kinds of assets, such as bank accounts, homes or vehicles.

Does Nivi Credit hand the unpaid fine over to Equitalia? So far, I haven’t found a single bit of evidence for such a connection. Nobody outside of Italy even seems to have heard of Equitalia. Besides, I imagine Nivi wouldn’t like the additional transparency involved: local governments could learn exactly how many fines have not been paid, hence, how many have been paid, and compare this figure with the amount they got from Nivi.

My guess is, there is no enforced collection. Neither in Italy, nor abroad. Nivi are not robbers, they are just beggars.

European Union Traffic Fine Collection

The important thing about the EU fines scheme is: all money collected belongs to the member country that collects it.

As an example, consider a German driver fined in the Netherlands: under the EU system, Germany collects the fine and keeps it. That way, there is no incentive for the Netherlands to make up fines for financial profit. Traffic fines serve the sole purpose of sanctioning reckless driving.

A country like Italy, keen on filling its pockets at the expense of drivers, both residents and foreigners, has nothing to gain from joining the EU traffic fines agreement. Nor has Nivi Credit. Under the EU system, there is no reason for firms like Nivi to exist.

How Transparent is Nivi Credit?
When local government decision makers are about to contract Nivi Credit, great praise is heaped on their “transparency”. But how transparent is it in reality?

Typically, Nivi promises governments the “amount of fines collected less 35% only on effectively collected fines”. At a first approach, if a fine for a certain offence is €100, does Nivi keep €35 and hand €65 to the municipality?

Surprisingly, many postings on Italian Web sites seem to suggest that Italian residents face lower fines for the same offences.
For example, Italians report around €70 for driving on Milan’s bus lanes, while the typical Nivi fine for this same offence is about €105. So, apparently, we, the victims, are asked to pay Nivi’s commission? But then, municipalities should be promised something like “full amount of the fine”. Could it be, in all transparency, that Nivi takes their 35% twice? Perhaps, without anybody realizing?
In their letters, Nivi just quote the amount of the fine as being comprehensive of expenses that form an integral part of it, but, for the sake of real transparency, both victims and municipalities should have a right to know the precise amounts of fines and commissions.

Further, whenever a Nivi victim pays a fine to the Florence municipality, it goes directly to the police’s bank account, while Milan fines go to Nivi’s own bank account. Florence is Nivi’s home town, is that why they deserve a little more transparency?

Who else profits?

Car hire firms charge outrageous sums for telling police who their customer was. They have all the data anyway, it only takes a few seconds to print it out. Probably, they make more money from this side business than from renting out cars.

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Even if you paid more for the car rental then for the fine-related data transfer, only part of the rental amount is profit, as there is real cost and depreciation on the car to be taken into account. Data fees are pure profit for rental companies.

For a while, Swiss companies were providing Italian residents with Swiss license plates, usually under a lease agreement.
Recently, the Italian government, always tough about anything Swiss, has ended the practice. Any Italian resident with Swiss number plates had 8 days to comply or face seizure of his and her vehicle. In many other countries, you have a full year to get a national car registration.

But this was by no means the end of the idea. German number plates were perfect replacements for Swiss ones, as Germany is not easily bullied by the Italian government.
So presently there are thousands (yes!) of German-registered cars in the city of Milan alone, being driven by local residents, who just throw away stacks of Nivi fines, being practically immune to prosecution!

In addition, there is an entire town, Campione d’Italia, that can avoid paying fines: their residents officially have Swiss number plates, but, equally officially, they are residents of Italy. When they get their Nivi fines, they are sure to be over the 150 days national limit. However, Campione residents still have to file an appeal, so they will hardly be careless when driving.

Boycott Italy?

Many people call for a boycott of Italy over their Nivi fines.

Do you really want to boycott a country over a bunch of beggars? Assuming that Nivi can’t force us to pay, they aren’t robbers, they’re just beggars!

But, I must admit, as soon as I got my first stack of Nivi fines, I just couldn’t help avoiding Italian food, clothes, appliances, furniture, television and the like. In retrospect, I was happy about every Chinese item I had preferred over an Italian one, every holiday I had spent elsewhere. So my boycott is happening automatically.

Italian newspapers have praised Nivi for their collection effort. Nobody even remotely thinks they are damaging the tourist business, foreign trade and investment alike.

So, what Italians tell us via their media is: “we don’t need you”. Very well. Let’s avoid them. The entire country.

Fines for those who don’t drive
Quite a few people say, “when in Italy, avoid driving a car”. Very good. However, if you think you can avoid fines altogether when in Italy, you might be too optimistic.

Texas instruments cdc ethernet/rndis adapter driver. Fines are handed to residents and visitors also for the following “offences”:

Leaving a shop or restaurant without a VAT receipt
Eating in public (“antibivacco” laws)
Wearing “counterfeit” clothes (did you ever suspect these made in China clothes remotely resembled something an Italian designer has a claim on?)
Possession of a copied CD (one personal backup copy is legal in many countries, but not in Italy)
Smoking

Not to mention public transport: it’s a science of its own. You have to machine-stamp your ticket in a specific way (exactly one out of eight possible ways is the correct one, the other seven ways work too but aren’t valid). If you enter Italy by train, you can’t stamp your ticket at all, so all passengers aboard can expect a fine. I’ve seen it happen.

Just forget about respecting Italian laws to avoid fines. It’s not what Italy wants.
Italy wants to entrap you, to make sure you pay your fines.

Avoid Italy altogether!