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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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Luxx -v- RBOS **Bank resumes claim from 2009 !!??**


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COngratulations on the birth of your daughter. A nice healthy weight. I trust your wife is now well. :)

 

Hi...

Everyone is well citizenb thank you.

An update from the court...

The hearing went ahead in our absence, and they have officially discontinued with the loan part of the claim.... as to the charges, the judge has ordered a hearing on the 8th Oct in small claims :D

 

I did plead financial difficulty in my letter and because we did not bring the claim originally, and as the claimant would have had to argue the whole claim anyway had they not discontinued, i said it was unfair that the claimant should all of a sudden try to halt proceedings. We want our day in court!!

 

The Judge appears to agree :D

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Hi...

Everyone is well citizenb thank you.

An update from the court...

The hearing went ahead in our absence, and they have officially discontinued with the loan part of the claim.... as to the charges, the judge has ordered a hearing on the 8th Oct in small claims :D

 

I did plead financial difficulty in my letter and because we did not bring the claim originally, and as the claimant would have had to argue the whole claim anyway had they not discontinued, i said it was unfair that the claimant should all of a sudden try to halt proceedings. We want our day in court!!

 

The Judge appears to agree :D

 

 

Excellent news.:D So what happens next ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Excellent news.:D So what happens next ?

 

Nothing, just wait for the hearing :D

 

Brilliant, you now have time to change nappies :D

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Nothing, just wait for the hearing :D

 

Can I suggest you use any spare time to prepare for the hearing as best you can. :cool:

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  • 3 weeks later...
Brilliant, you now have time to change nappies :D

 

Hi Citizen B...

I received a letter from the Court regarding this case. It has been allocated to Small Claims Track, and we have permission to amend our defence. Hearing is 8th October.

 

I have never done anything regarding Charges before, and this is what the rest of this claim is about....over £4k!!

 

Can you point me in the right direction on how to prepare?

 

RBOS have supplied incomplete statements which we can get some charges info from... What do we do with that info??

 

Have you come across any defences for charges at all??

 

I think we are lucky to have our day in Court considering this now purely about charges... We need to take advantage as much as possible....a good defence would be a great start:D

 

Cheers

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Hi Luxx,

 

Read the Reclaiming Guide at Link No1 in my signature. List all default charges on a spreadsheet and this will be your SOC.

 

All you need for this is a complete list of all default charges and the dates on which they were applied to your a/c. :)

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Hi Luxx,

 

Read the Reclaiming Guide at Link No1 in my signature. List all default charges on a spreadsheet and this will be your SOC.

 

All you need for this is a complete list of all default charges and the dates on which they were applied to your a/c. :)

 

Thanks Slick....I will have a good look through :)

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Thanks Slick....I will have a good look through :)

 

Hi :)

I have been so busy with my NR cases that i havent had a chance to even look at this, and i have 4 days to get my wifes defence into the court and to the claimants solicitors, as directed by the Judge.

 

I have never had any dealings with Charges, so have no idea what I am doing here! With ony 4 days to go i think I really need help!

 

I have some statements with charge information from RBOS...can anyone help me with this please? ...if anyone has the time?

 

I have no idea how to build a defence for this.

 

Regards

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Hi,

I have completed Spreadsheet with charges/interest. Is it correct to add interest charged on an OD?

 

This is the second part of the Claim by RBOS which they tried to have stayed but failed :D They were sure that because it related to Bank Charges it would be stayed pending the outcome of the test case.... we pleaded Hardship however and the Judge agreed to hear the case.

 

Thing is, I have never defended against a claim for an account with an OD consisting of penalty charges/interest.

 

Can anyone give me some idea of what I need to do to defend agains this claim of £4k+?

 

After a SARS, RBOS only provided 6 yrs of statements, so the total on the spreadsheet falls short of the total claimed. The account actually goes back further than 2006, but we do not have statements for that time.

 

Can anyone tell me what a defence for this type of claim needs to contain? Please? I need to have the defence to the Judge and Claimants Solicitor by Friday :O

 

Kind Regards

Simple-charges-calc.xls

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Hi Luxx,

 

Is the o/d balance made up entirely of default charges.

 

Can you confirm what Directions were given by the judge at the last hearing.

 

Am I right in thinking you have to enter your amended defence (which will include the claim for refund of charges) by Friday.

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Hi,

I have completed Spreadsheet with charges/interest. Is it correct to add interest charged on an OD?

 

You can claim the interest on the charges only, but in reality that may be most of the interest anyway

 

This is the second part of the Claim by RBOS which they tried to have stayed but failed :D They were sure that because it related to Bank Charges it would be stayed pending the outcome of the test case.... we pleaded Hardship however and the Judge agreed to hear the case.

 

Thing is, I have never defended against a claim for an account with an OD consisting of penalty charges/interest.

 

Can anyone give me some idea of what I need to do to defend agains this claim of £4k+?

 

After a SARS, RBOS only provided 6 yrs of statements, so the total on the spreadsheet falls short of the total claimed. The account actually goes back further than 2006, but we do not have statements for that time.

 

Can anyone tell me what a defence for this type of claim needs to contain? Please? I need to have the defence to the Judge and Claimants Solicitor by Friday :O

 

Kind Regards

 

I notice that you've used the simple spreadsheet, but I'd suggest that you copy and paste the information into the advanced sheet, which deals with calculating the interest for you.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

All that's advanced is the formulas that have been put in to do the calculations. It's still quite simple to complete.;)

 

You'll need to put the interest in a different column to the charges, but if you sort them, you can just copy and paste them straight into the appropriate columns.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Luxx,

 

Is the o/d balance made up entirely of default charges.

 

Can you confirm what Directions were given by the judge at the last hearing.

 

Am I right in thinking you have to enter your amended defence (which will include the claim for refund of charges) by Friday.

 

Hi Slick

Yes...the OD appears to be only made up of charges and interest.

 

Hearing on 8th Oct

 

each party to deliver, contract, witness statements, experts reports photos invoices.

 

copies to be delivered to court no less that 14 days before the hearing

original docs to be brought to the hearing

 

both parties try to agree nature and cost of any remedial work

 

Signed statements setting out evidence of all witnesses shall be prepared in the docs mentioned. This includes evidence of the parties themselves

 

The defendant has permission to amend defence to be filed and served by 4pm 18th Sept!!!

 

Apologies...I have been so busy preparing for the NR summary Judgement hearing that I have had no time to spend on this.... NOW ITS HERE!!!

 

I am really beginning to feel the stress of all this!

 

Some advice: Do not stop paying stuff at the same time!!! I am paying for that now...this is becoming a full time job!

 

I wont have the time to investigate this so am considering throwing in the towel on this one!!

 

Pity as it is just for bank charges...the most basic claim!!! Unfortunately I have never dealt with charges before, so to have to file a defence is beyond me!!

 

Regards

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I notice that you've used the simple spreadsheet, but I'd suggest that you copy and paste the information into the advanced sheet, which deals with calculating the interest for you.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

All that's advanced is the formulas that have been put in to do the calculations. It's still quite simple to complete.;)

 

You'll need to put the interest in a different column to the charges, but if you sort them, you can just copy and paste them straight into the appropriate columns.

 

Thanks Caro... Ill give it a go later :)

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Luxx, you really mustn't drop this one. It's worth too much

 

The judge has not Stayed this yet, although I still think he may at the hearing. But if you fail to defend/counterclaim now, you may lose the chance to reclaim the charges in the future.

 

I'll be back later and will add more if you need it. Read the Court Bundle guide in my signature below.

Edited by slick132
added "counterclaim"

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Just to clarify the interest issue - if charges are unlawful then any interest on them must be unlawful too. Therefore you can recalim charges and interest on them. Normall, you have to divide up the overdraft interest between 'legitimate' interest and interest on charges. However, if the OD is entirely made up of charges and interest on them, then you can reclaim the lot.

 

If you file in court, you can add interst at 8% under s69 of the County Courts Act on both as well.

 

 

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Just to clarify the interest issue - if charges are unlawful then any interest on them must be unlawful too. Therefore you can recalim charges and interest on them. Normall, you have to divide up the overdraft interest between 'legitimate' interest and interest on charges. However, if the OD is entirely made up of charges and interest on them, then you can reclaim the lot.

 

If you file in court, you can add interst at 8% under s69 of the County Courts Act on both as well.

 

Thanks Steven...

Can we still claim on something we never paid in the first place? We never paid the charges at all, so can we still claim or just get them to reduce the balance to zero?

 

Regards

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Luxx, you really mustn't drop this one. It's worth too much

 

The judge has not Stayed this yet, although I still think he may at the hearing. But if you fail to defend/counterclaim now, you may lose the chance to reclaim the charges in the future.

 

I'll be back later and will add more if you need it. Read the Court Bundle guide in my signature below.

 

Hi Slick,

The problem is time... Everything here seems to about bringing a claim not defending one. I have already read that link (which is great btw :)) but cant figure out how to build a defence not a claim??

 

They want to charge my wife over £4k in bank charges and apart from saying "theyre not lawful" I do not know how to defend.

 

I know I have left this one very late ....as per usual :| ....although to be fair, the new baby is very demanding and I am trying to do the right thing all round here.

Edited by Luxxinterior
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Hi Luxx,

 

We need to focus on the Defence first, which has to be in by the 18th. You'll then have further time to get your court bundle in on time, by the 24th September.

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

As I see it, the defence will actually be a counterclaim. So on all the submissions to court, the normal order of names will be reversed - so, you'll file a defence (which is normally a POC) but you'll be the defendant and the bank will be the claimant.

 

Can we still claim on something we never paid in the first place? We never paid the charges at all, so can we still claim or just get them to reduce the balance to zero?

You have to reclaim the charges, or the bank will effectively have them confirmed as valid AND collectable. Whether you actually get anything repaid will be dealt with later.

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Hi Luxx,

 

We need to focus on the Defence first, which has to be in by the 18th. You'll then have further time to get your court bundle in on time, by the 24th September.

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

As I see it, the defence will actually be a counterclaim. So on all the submissions to court, the normal order of names will be reversed - so, you'll file a defence (which is normally a POC) but you'll be the defendant and the bank will be the claimant.

 

You have to reclaim the charges, or the bank will effectively have them confirmed as valid AND collectable. Whether you actually get anything repaid will be dealt with later.

 

Hi Slick... thanks so much for checking in.

I am trawling through the site by searching for "bank charges defence" but again still only finding claims.

Does a counterclaim not carry a charge with it? Or is that ok when using it as a defence?

 

I feel so bad having to ask questions that thousands of others will know the answers to already. I seem to have started fighting in reverse.... complicated claims first.... then when it comes to simple stuff I am lost.

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Hiya Lux,

 

Just a little note:

 

Once the defence is filed and served (at court and to the bank respectively) you'll then have to work on the court bundle which involves a lot of printing and paper. So make sure you're well-stock on paper and ink.

 

If you have to buy these get and keep receipts for any costs you claim.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya Lux,

 

Just a little note:

 

 

 

If you have to buy these get and keep receipts for any costs you claim.

 

Regards

 

PF

 

Thanks Pompeyfaith..

 

I was just jokingly saying the same thing to my wife yesterday morning as we hurriedly printed off 100 pages for 3 copies of a witness statement for our NR summary Judgement Hearing... But youre right it does add up...and very quickly.

I will certainly keep track of our stationary requirements.

 

Thanks for the advice :)

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Hi Luxx,

 

Please see my PM to you.

 

:cool:

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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You should use the POC from here - http://www.consumerforums.com/resources/templates-library/48-bank-templates/113-4-particulars-of-claim-n1-updated-version-now-available

 

Adapt it to suit your case and AMEND it to change every reference from "the claimant" to "the defendant" and vice versa.

 

The spreadsheet you linked to above will suit your needs just fine, given that the a/c balance is made up entirely of charges and interest thereon.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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