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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      
    • A sinister tactic known as shoulder surfing is on the rise in the UK. Fraudsters are watching unwitting people log in to their mobile banking apps over their shoulder.View the full article
    • 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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Norwich Union wont check other cars details


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Yes it is something I would notice because I pay attention. And the very definition that it is parked means it wouldn't be that persons fault anyway. You impled that is was by stating such vehicles cause accidents. That implies negligence of the driver of parked car, so yes, actually you did!

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please highlight the part where i said these vehicles cause accidents.

 

Implies ? . You could say that advertising toilet rolls on the sides of buses implies that they sell them - but they dont!

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To be totally honest i think that if this had happened to me my gut reaction would be "why should he get away with threatening me when he has no tax etc etc" and lets face it people can park cars in a way that is likely to cause an accident, it does happen, but like i say when it gets to the point that its taking over, then it is time to stop as the only person you are going to harm is yourself. Take a deep breath count to ten and just say sod it!!

 

 

ooo it didn't edit that can we say sod it ?

 

That's where

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let me put it another way 3 men in a field with an air rifle man A points air rifle at man B, man C in fear of man B being shot runs toward man A to push the rifle in another direction. Man B in fear of being shot puts his foot to one side to step out of the way and trips man C who knocks man A and the rifle is fired.

 

Who's fault was it - I wouldn't like to say

Who played a part in it - well they all did

 

ie you can play a part in an event without it being your fault. However, the fact that it is not your fault does not exclude you from having a part in the final event

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Sorry i dont see the words "these vehicles cause accidents"

 

park cars in a way that is likely to cause an accident,

 

Can someone tell me the difference between these 2 statements ........ other than they are worded slightly differently

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let me put it another way 3 men in a field with an air rifle man A points air rifle at man B, man C in fear of man B being shot runs toward man A to push the rifle in another direction. Man B in fear of being shot puts his foot to one side to step out of the way and trips man C who knocks man A and the rifle is fired.

 

Who's fault was it - I wouldn't like to say

Who played a part in it - well they all did

 

ie you can play a part in an event without it being your fault.

 

No they are not as following the logic of this argument the person at fault is the person who sold the gun:)

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Can any one else say that this phrase

 

park cars in a way that is likely to cause an accident

 

is identical to this one

 

"these vehicles cause accidents"

 

they do not look similar to me:rolleyes:

 

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Can any one else say that this phrase

 

park cars in a way that is likely to cause an accident

 

is identical to this one

 

"these vehicles cause accidents"

 

they do not look similar to me:rolleyes:

 

 

Really are we talking about parked vehicles or not:confused:

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ok a man parks his car right by a sign that says "Do not park here this is a blind spot to oncoming traffic"

 

I agree if he got hit it would be the other persons fault for hitting it but at the same time i would also be thinking stupid idiot what did you expect.

 

can you honestly say that you would not think the same?

 

he didn't cause the accident but he did have a part to play in its happening in my view. Talking about the above example.

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Well if its a blind spot then someone driving round the corner should do so at an appropriate speed so that they can stop in time. the parked vehicle is not the cause of the accident - it is the driver of the other vehicle who has caused it due to inappropriate driving.

 

Will you please accept that an inanimate stationary object does not cause accidents no matter what the scenario.

 

If it blows up - well the cause is whatever caused the car to blow up - faulty workmanship, corrosion etc - it is not the car.

What if it gets blown in the wind by a hurricane - well that's the wind. Not the car.

See?

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its ok, looks like it has been put there while they swap a new one over across the road.

 

 

So who's at fault if there's an accident.....those across the road.....the driver of the lorry who put the skip there..........or the skip for being there:)

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