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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
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    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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Lloyds TSB: Should I give them the run-around?


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So I have this debt which is composed entirely of charges, for approximately £170 so it`s not that much. It`s to do with some returned Direct Debits which I have since switched to another account. They are now trying to collect on them. Is it worth CCAing them to put the debt into dispute and await the outcome of the FSA test case, or should i pay and claim them all back?

 

I feel a CCA coming on... Does anyone want to help me compose a letter?

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If this is a normal bank account, it's probably not regulated by the CCA 1974 anyway, so it would be a waste of time.

 

Get yourself a claim in for the unlawful charges. Best to look at the Lloyds forum on this site for the best advice.

 

FWIW I had an issue with LTSB for a similar amount, which they settled before issuing a court claim.

 

:D

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If this ia a normal bank account, it's probably not regulated by the CCA 1974 anyway, so it would be a waste of time.

 

Bank overdrafts are CCA 1974 regulated if they fall into the monetary limits of the Act ( up to either £15k or £25k depending on when the agreement was taken out ). They come under 'running account credit' within s10 of the Act.

 

So I beg to differ but you can CCA them.

 

Although OOAK is right in saying you can still start a claim for the unlawful charges - it will just be put on hold until the outcome of the test case but they can't pursue you in the meantime. So really your call.

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Sorry, getting my wires crossed a bit there!:o

 

Still don't see any point in sending a CCA. A legal claim for unlawful charges will put the account into dispute, and while many claims are being stayed pending the test case, this ain't necessarily so for all of them.

 

What's to gain from a CCA request in this case, anyway?

 

;)

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legal claim for unlawful charges

 

i am getting confused. Why are Cahoots only yesterday put £34.00 in charges on my account.

 

HAK

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Because the banks don't accept that their charges are unlawful. That's what the test case is for. Hasn't stopped any of the banks charging their customers yet.

The 'forthcoming' test case will decide, one way or the other.

Maybe.

 

Barclays gave me nearly 2k back before court. Gesture of Goodwill or fear of losing?

You decide.....

 

;)

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Ask the bank for a receipt. I assume you are using the letter in the Bank Templates Library?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Yeah I`ll ask someone to sign a piece of paper to say they have received it. Because I know how much they`ve charged me I should be able to avoid the preliminary letters and go straight for teh claim, which would then be kept on hold cos of the OFT test case

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Mr Kipling.

 

Sorry to be a pain but lloydstsb have closed there books t claims for charges untill the test case is ova. They closed it a few months ago as i asked for the bank statements and put a claim in and they wrote back to me rejecting the claim due to the test case.

 

Sorry to spoil everyones day.

 

The GodMother.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi everyone,

 

Just a thought, as I`m waiting for statements from Lloyds Card also.

 

I sent Lloyds Card and Lloyds Collections a CCA and SAR request regarding the Card Account.

 

So far, I have heard nothing back in a week and a half, yet they have used the £1 CCA request fee to pay towards the Card debt. Cheeky or what?

 

Anyway, even though they think they are still in the right regarding Bank Charges and have put a hold on claims, don`t they still have an obligation under the Data Protection Act to supply ANY requested information, whatever it`s for?

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Personally I would use their tactics against them. Let them come after you. Let them start court proceedings. Defend on the basis of unlawful charges and then apply for a stay pending the resolution of the test case.

 

Would be about the first and only time a stay would be something to smile about.

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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yes they do have to provide you with your statements but they have stopped doing copies of statements because most ppl are using them for cases againt the company.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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sent Lloyds Card and Lloyds Collections a CCA and S.A.R - (Subject Access Request) request regarding the Card Account.

 

So far, I have heard nothing back in a week and a half, yet they have used the £1 CCA request fee to pay towards the Card debt. Cheeky or what?

 

 

Did you send them a ten pound p.o. for the SAR?

They have 40 days to respond to SAR request, REGARDLESS of why you want the information, this is a statutory time limit. In my experience, they use it all.

 

Week and a half is nothing for a CCA either, with or without postal strikes...

 

Lloyds TSB have closed there books t claims for charges untill the test case is ova. They closed it a few months ago as i asked for the bank statements and put a claim in and they wrote back to me rejecting the claim due to the test case.

 

Not up to them. If you make a claim through the court, Lloyds will have to deal with it. They do not have the power to reject your claim out of hand.

 

;)

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Mr Kipling.

 

Sorry to be a pain but Lloyds TSB have closed there books t claims for charges untill the test case is ova. They closed it a few months ago as i asked for the bank statements and put a claim in and they wrote back to me rejecting the claim due to the test case.

 

Sorry to spoil everyones day.

 

The GodMother.

 

Yeah, I heard that. I also heard (not sure if it`s true though) that the courts are also putting cases on hold but in the event of the right decision being made it`ll be the held cases which will be dealt with first

 

Nothing to stop me CCAing them to get the account into dispute so that if they try and collect on it or take action then it`ll be them committing the offence so I can report them to TS

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Many cases are being stayed pending the OFT test case, but it's not something that should prevent you starting your claim. If your particular case is stayed (and some CAGers have actually had stays removed!) then at least you'll be nearer the front of the queue.

 

You don't need CCA them solely to get the a/c into dispute - just send the request for payment letter, and letter before action, which you'll find in the Bank Charges forum.

 

;)

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I have not long received my full claim from Llyods tsb when others had theirs put on hold. So they are still paying out on some cases.

 

 

Idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Did you send them a ten pound p.o. for the S.A.R - (Subject Access Request)?

They have 40 days to respond to S.A.R - (Subject Access Request) request, REGARDLESS of why you want the information, this is a statutory time limit. In my experience, they use it all.

 

Week and a half is nothing for a CCA either, with or without postal strikes...

 

 

 

Not up to them. If you make a claim through the court, Lloyds will have to deal with it. They do not have the power to reject your claim out of hand.

 

;)

 

 

Yes, I sent a £10 Postal Order with the SAR. i went into the bank with two envelopes, one addressed to Lloyds Card Services (SAR) and one to Lloyds Collections (CCA).

 

I used their own internal mailing system instead of the crap Royal Mail which never gets signed for.

 

It`s just they used the £1 CCA request fee, and paid this off the card. The 12+2 working days are actually up on Thursday (11th October), so I was wondering if I should cancel my Direct Debit then or wait a few more days due to the Postal Strike. I`m also going to have my wages paid into my Halifax Account, instead of Lloyds.

 

Also, I`m paying over £45 a month for Payment Protection on the Credit Card, I`m not sure if I ticked the box or not for that, perhaps I should just it all back. The Account also has a number of Charges on, so I can dispute it from a number of angles.

 

I also have an Overdraft on the Current Account, which I`m expecting them to call in. There`s a few Charges on that also, but I`m also going to CCA LLoyds asking for the Account Opening Form. I opened the TSB Account 22 years ago, so that could be interesting.

 

How much longer do you think I should wait before cancelling the Direct Debit for the Lloyds TSB Card? They default on Thursday.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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cancell it as so as u like. I have suspended payments to all companies i have cca'd and had them going to a savings account so the money is there for them when they can send me a cca. If they fail to i will SAR each company and will get my way with each company to pay what i want when i want like the reduced payment of which i can afford each month after deducting all the charges i have paid out being deducted and charges being stopped on all accounts.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I think because of the postal strike, a few more days might be in order. It is just possible that your enforceable true copy is sitting in a mailsack somewhere... (no, really, it's possible!:D )

 

If your payment's not due in the next week or so, I don't really see a problem; but the last thing you want, obviously, is for your CCA to fall on the doormat the day after you've cancelled your payment....:eek:

 

;)

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