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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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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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Vehicle seized - please help!


Andy_S
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Sunday afternoon I was pulled over by the police for a random roadside check. I thought nothing of this as I know everything is above board. Sure enough, tax, mot, insurance and breathalyser tests were fine. Then it comes over the radio that my licence was 'revoked' by the DVLA in 2002.

The police immediately seized the car for driving with invalid insurance, pointed me towards the train station and that was that.

 

This morning I phoned the DVLA, who informed me I picked up 3 points for speeding in June 2002 but never had the points added to my licence. They are unable to give me any more details on the speeding fine as they have expired on their system. 3 letters were sent to my address but were never responded to.

 

Now I swear I never received these 3 letters, and I certainly wouldn't ignore a 'licence revoked' letter, but I guess this is going to be impossible to prove.

 

DVLA inform me I need to apply for a new licence with a D1 form from the post office, and this could take up to 15 working days. Problem is, my vehicle will be disposed of in 14 days!

 

So my questions are:

 

a) Do I have a chance of getting my vehicle back? If the licence takes more than 14 days will the police be sympathetic and hold on to it for me?

 

b) What kind of fine and points am I looking at for driving without a licence and therefore insurance?

 

c) How can it be that for the last 6 years I have taxed and insured cars, and nobody has ever told me my licence was invalid?

 

As you can imagine, this is causing me immense stress, as I now can't get to work, and my easter holiday plans have been ruined. I could possibly lose my job over this, something which I can't afford to do.

 

Many thanks

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First thing I would do is to contact my MP: http://www.theyworkforyou.com

 

I have found that my MP is very helpful with the barrage of cock-ups I have had when I have had the inevitable contacts with the DVLA.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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If you contact the compound where your car is and explain the situation then they should hold off on disposing of your car. They will charge you daily storage fees until you collect your car. There is normally a fee of £105 for them taking the car in the first place.

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Wino, that's good to know that the compound should be able to delay the disposal of the vehicle.

 

I contacted DVLA again, and they gave me a different address to send my licence application to, so it should go through quicker. Items have been sent special delivery and should be with the DVLA this afternoon.

 

Fingers crossed!

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My brother had his van impounded before Christmas and they kept it for a further 3 weeks for him. Like I said before he was charged storage fees

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You are looking at at least 6 points for driving with no license/insurance and a fine i the region of about £200.

Lloyds TSB - £2808 Settled in full 15/11/06

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There ought to be no problem arranging for someone who is licensed and insured for any vehicle to collect the car from the pound.

 

I have heard that some insurance companies have added a clause to say that you will not be insured for collecting an impounded car when the owner isn't insured. Also, it's difficult to find someone who's free between 9 and 4 on a weekday, everyone's at work!

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You are looking at at least 6 points for driving with no license/insurance and a fine i the region of about £200.

 

That's not too bad. I currently have zero points on my licence, and the fine could be worse.

 

Still waiting for my licence to come back from DVLA before I collect the car.

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  • 3 weeks later...

Finally got my car back today. Took 16 days to get my license back.

 

Now time to gather evidence against the DVLA and find out exactly why my license was revoked.

 

Strangely I received a cheque in the post today from the DVLA for the £45 I sent them to replace my revoked license. I wonder if that's an admittal of their mistake!?

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That's not too bad. I currently have zero points on my licence, and the fine could be worse.

 

That's a rather laid back attitude to take for a miscarriage of justice!

You only say you never received letters of prosecution but you never stated that you had/had not been speeding in 2002.

Were you or were you not speeding in June 2002?

 

Still waiting for my licence to come back from DVLA before I collect the car.

 

...

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As far as i'm aware I was never caught speeding in 2002. I've only ever been stopped for speeding once, and I took my license to the local police station and the points were added. That was in 2000.

 

The only reason I said "the fine could be worse" is that I was worried I would get a ban and a 4 figure fine. I've kind of accepted it, as I can't see how I can prove that i'm innocent. I am though going to pursue this issue and request from the DVLA all the data they hold on me and my driving history.

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Hi Andy S (wouldn't be Smith would it?) I think you need to find out if the speeding fine was to a namesake of yours as I have read about a bloke who had his motorcycle confiscated for a similar "reason" (he was allegedly banned). In his case the banned bloke had the same name and date of birth!:rolleyes: He was told by the police station desk clerk that to get his bike back he would have to write to the police HQ and pay the storage fees, because "that's how the system works". (No mention of apologies refunds, or compensation!) My own surname is fairly rare but seems to agitate the police so I can only assume that there is a really baddoppelganger of me out there but how can one find out?

Possibly you could lodge a claim for compensation from the Victim Support Scheme. They must have plenty of money by now as everyone who is fitted-up in court is charged £15. Alternatively when (if) the DVLAs error is proved sue them for all your losses in the Small Claims Court.

Yet another thought is that your car could have been cloned. Alternatively it only takes a typo at DVLA to send every thing haywire. (I once had a logbook for a Puch 50cc moped that said "2 wheel bulldozer" Probably these days the clots would try to fit me up for not having a bulldozer licence). This country gets more like Zimbabwe everyday.

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  • 7 months later...

Well, 3 days before I was due in court they've gone and dropped the case, presumably due to a complete lack of any evidence whatsoever.

 

I still don't know why my license was revoked, but at least I can relax in the knowledge that i'm not going to get a fine or any points on my license. And of course I can claim back my solicitors fees, car storage and transport expenses. Should come to a good £1200 I think.

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Glad its finally coming right. As to the police trouble I have been getting, an unusually decent police officer admitted that there is "a rough bloke that looks like you and drives a similar car" - Ah, I had suspected this for several years. Whether this is also a case of ID theft and car cloning as well I don't know.

 

By the way there is now a new ID theft crime doing the rounds. Allegedly hackers hack in to wi-fi computers then download paedophilia. Whether this is done just to get the porn or is malicious is anyones guess. Anyhow there is the risk that anyone with wi-fi can be hacked and ultimately sent to jail for having obscene images on their computer! Needless to say the judges are most unlikely to have the perspicacity to comprehend this scenario.:Cry:

Edited by grumpy101
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