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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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EQUITA/Council tax Imminent visit please help.


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Hi all, this is my first post on this forum, so please bear with me, Last year i made the mistake of missing a months council tax payment, and i was forwarded to equita, in january this year, after reciving a baliff;s removal notice. so i duly went to there office in Birmingham, and arranged a payment plan, of £88 a month, a letter was sent in the post, and a payment book too, i have kept up all my payments, and was shocked to find in my letterbox last friday a "notice of removal" with a rather rudely wrote letter telling me they were going to remove my goods ad chattels, so i phoned the man up, and he said he didnt have my papers, could i phone him on monday (yesterday) so i did, he said he still didnt have my paperwork, so i phoned him today (tuesday) so i spoke to him, and he said that i had to go into the office and speak to the people there, i also phoned there help line (joke) and they said i had missed payments, a the agrement was weekly, put i said i had paid monthly and not in default.

 

i was then subjected to a lecture about paying my council tax on time, and that it was my fault.

 

so i then phoned the baliff back, and he said that he had told me what to do, and that iam an idiot for not doing it, and he will be outside my flat at 7am tomorrow, however iam at work, and wont be there, but my wife will be, ive told her nt to let this man in, and i will be going back to the office tomorrow.

 

is there anything i can do, to get these people of my back?

 

would it help if i go to the council and ask them for help?

 

if my car is on finance can he still take it away?

 

any help pls, my mind is a whirl

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Hiya, this is my first post, so please be gentle, i missed 2 months council tax last year, and was immediatly reported to Equita, the first i knew about it, was a letter, with huge red letters "notice of removal" on the top, with the standard bumf about a baliff, coming round my flat, and wanting to take my stuff, i phoned the number on the letter and arranged a re payment plan, this has been paid every month on the date stated.

 

however come friday (20th march 09) i had another one of there lovely red letters, so i phoned the baliff, and asked why i had been visited, he said he didnt know, and told me to phone on monday (yesterday) so i did, and was told he didnt have my file, could i phone today, so idid, he said i had to go to the office in birmingham as he didnt know why, so i phoned there help line (joke) and was told that i had broken my argeement, with them, and i had to speak to the baliff, i said i hadnt broke any agreement, but was told that i had to pay 20 pounds a week, and i have been paying 88 pounds every 4 weeks, so in theory i am in front of my payments.

 

i phoned the baliff back, he basically told me i was an idiot, as i should have gone to there office in birmingham, and that he will be coming round at 7 am tomorrow to remove my stuff.

 

can i ask, if he has never been in my flat how can he remove my stuff?

 

if my car is on finance or in a shared car park, can he remove that?

 

what happens if i just tell him to shove off?

 

help please iam at my wits end!

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Will move your thread.

Merged and re-titled.Please stick to one thread-its in this forum where you are likely to get most advice.Have a read through the stickied guidance here-while waiting.

A shared car park will make no difference-I suggest you move it well away.If theres no WP order been signed and he cant get in by lawful means then they cant take anything.If you can get down to the Council office I would do so and prove them wrong.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi all, this is my first post on this forum, so please bear with me, Last year i made the mistake of missing a months council tax payment, and i was forwarded to equita, in january this year, after reciving a baliff;s removal notice. so i duly went to there office in Birmingham, and arranged a payment plan, of £88 a month, a letter was sent in the post, and a payment book too

 

Did you sign anything when you made that agreement with the bailiffs?

 

 

was shocked to find in my letterbox last friday a "notice of removal" with a rather rudely wrote letter telling me they were going to remove my goods ad chattels, so i phoned the man up, and he said he didnt have my papers, could i phone him on monday (yesterday) so i did, he said he still didnt have my paperwork, so i phoned him today (tuesday) so i spoke to him, and he said that i had to go into the office and speak to the people there, i also phoned there help line (joke) and they said i had missed payments, a the agrement was weekly, put i said i had paid monthly and not in default.

 

In my opinion you are being conned.

 

 

i then phoned the baliff back

 

Really! You must stop telephoning people, all they'll give you is bad news.

 

Only write, email from now on.

 

 

he will be outside my flat at 7am tomorrow, however iam at work, and wont be there, but my wife will be, ive told her nt to let this man in

 

Good, good!

 

 

i will be going back to the office tomorrow.

 

 

Nooooooooooooooo!

 

 

is there anything i can do, to get these people of my back?

 

Well lets see, it depends on whether you've signed anything, and whether they have been into your house.

If the answer is no to both they are stuffed.

 

would it help if i go to the council and ask them for help?

 

No they are doing exactly what the council wants them to do.

 

 

if my car is on finance can he still take it away?

 

No, they can only seize the property of the debtor. Although Bailiffs have the right to assume it's your property. I'd park it away from the house anyway, but if they did seize it, they should accept a statutory declaration from you that you don't own it.

If it's on HP, you don't own it.

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