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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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IMHO I dont think you will here anymore from anybody on this, even the police; it will all go very quiet. any meaningful response would cost money ( time ) and thats not the game they are in.

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  • 2 weeks later...
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Letter from Primark of 26th May

 

"We refer to ....

 

As you will appreciate, your correspondence appears to relate to an event which you state involved your wife, xxx yyy, and as such, I am sure you will appreciate it is not appropriate for us to respond to your correspondence without the authority of xxx yyy.

 

What we can say, however, is that primark take all issues raised seriously and consider them carefully.

 

We would be delighted to respond further, once we have the appropriate authority from xxx yyy.

 

We look forward to hearing from you and would like to thank you for taking the time to correspond with us.

 

Yours sincerely

 

Manager Legal Services

 

................

 

This has been appropriately replied to.

 

.............

 

Maybe a standard reply to RLP should be:

 

 

I refer to your letter of ...

 

As you will appreciate, your correspondence appears to relate to an event which you state involved Boots / Primark / ... , and as such, I am sure you will appreciate it is not appropriate for us to respond to your correspondence without the authority of Boots / Primark / ... .

 

What I can say, however, is that I take all issues raised seriously and consider them carefully.

 

I would be delighted to respond further, once I have the appropriate authority from Boots / Primark / ... , and an unlimited liability indemnity from Boots / Primark / ... , covering all actions by RLP in this and other cases with any party both in The UK and elsewhere.

 

I look forward to hearing from you and would like to thank you for taking the time to correspond with me.

 

Yours sincerely

 

........

 

 

Letter from Police of 28th May.

 

I acknowledge your request for a Court hearing in respect of the above-mentioned Penalty Notice, and would advise you that the necessary arrangements will now be made.

 

The Penalty Notice will be referred to the issuing borough for review. Any statement of mitigation that you submitted or wish to submit to them will receive due consideration.

 

Once a decision as to whether to prosecute or not has been made, you will be notified by letter or alternatively receive a summons from the Court.

 

yours sincerely

 

Penalty Notice fro Disorder Section.

 

..................

 

 

Nothing from RLP

Edited by hwilliams
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Yes a nice standard reply letter to RLP .....can you clarify as to whether this would be letter Number 1 or 2 ?

Its just to assist RLPs filing systems for speedily locating queries.

I think it may demonstrate a measure of efficiency and user friendly management-and may in particular assist them to find real basis and lawful justification of their actions.

 

Hold fire for now tho-we need to check with ACPO that any letter re-drafts meet with their approval !!

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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  • 1 month later...

Update:

 

Good news and bad news.

 

Primark have dropped all action

 

"Primark will forward instructions to RLP to request that they cease recovery action. Furthermore Primark are pleased to confrim that XXX is welcome to return to our stores and we trust will enjoy shopping in our stores on an ongoing basis. We must make it clear that Primark Stores Limited now consider that Primark's involvement in this matter to be enirely at an end."

 

Great stuff.

 

Ah but she has since received a summons to appear before the magistrates court.

 

On ... at ... without lawful excuse, attempted to damage earrings to the value of £2.94 belonging to Primark, Oxford Street, London intending to destroy or damage such property contrary to section 1(1) of the Criminal Attempts Act 1981.

 

Gosh!

 

She is now being accused by the Police / CPS of thought crime under catch-all legislation more frequently used in connection with anti-terrorism operations and anti-social behaviour.

 

Recall she was initially accused of theft.

 

Then given a penalty notice for £80 for "causing damage worth £3.00"

 

Now formally accused of "attempt to damage to the value of £2.94"

 

I am going to defend it myself. Bring it on.

 

Defence Points

 

1. Why has the amount changed? The value of the goods has changed from £3.00 to £2.94.

 

2. The Penalty Notice referred to 2 set (sic) of earings (sic). Is that one set or two sets.? What colour were the earrings? How many in each packet? Let's see them in court.

 

3. How is it possible to attempt to and fail to damage or destroy £3.00 earrings? She was not interrupted from checking and examining the earrings and was stopped 30 minutes later outside the store after paying for goods.

 

4. I have 56 photos showing open goods on the racks and floor of Primark. I will need a projector system to show the court the photos.

 

5. She will need an interpreter supplied by the court otherwise call for an adjournment.

 

6. I will need their evidence in advance otherwise call for an adjournment.

 

7. Primark have examined the evidence and have dropped the case and moreover have welcomed her back to shop on an ongoing basis.

 

All this hassle all round for possibly thinking about opening a packet worth £2.94 at Primark.

 

Beware that the same legislation could apply if you read a newspaper or magazine in a newsagent or try something on in any shop in the UK. Or sit on a sofa or bed in a furniture store. Or spill some food on a restaurant tablecloth.

 

Clearly the Police and Crown Prosecution Service and Courts have a lot of spare time.

 

Any suggestions re defence?

Edited by hwilliams
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Looks like the defence is already well covered.

Its staggering that the CPS have given the go for this...but obv they are not aware of the defence you are able to put over...if they was I cant see how they would be wanting to push it.

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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Is it wise to let them know about Primark at this point ?

I mean sending them a copy of the letter ?

It could open a can of worms-I would sit on it.

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

Now I am a novice here but can you contact the CPS not just to inform them of Primark's current stance in the latest letter but also to prepare your defence under the Data Protection Act request access to the case file? I am sure that JonCris will know whether that is possible.

How on earth can CPS justify that this would be in the public's interest - what a waste of money and distress for you both!

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I am guessing that no matter how welcome Primark claim you would be back in their stores - you will never want to give them your custom again!

I feel so sorry that for the vast majority of the public who do not know what the little "civil recovery" signs mean on the shop windows - they don't realize the danger they are in when entering a store - honestly, after my own experience, I don't ever want to shop again! When I do go into a store I get the attention of a store assistant and insist that they go round with me and pick out whatever I need to buy - they think I am mad but it is how paranoid I have become.

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I think you are meaning advance disclosure ?

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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Right of audience ?

Is this a legal term Pat ....?

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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ok thanks

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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He can represent the accused in court

 

A McKenzie friend assists a litigant in person in a common law court.

This person does not need to be legally qualified. The crucial point is that litigants in person are entitled to have assistance, lay or professional, unless there are exceptional circumstances. Their role was set out most clearly in the eponymous 1970 case McKenzie v. McKenzie[1] Although this role applies in the jurisdiction of England and Wales, it is regarded as having its origins in common law and hence has been adopted in practice in other common law jurisdictions such as Australia, Canada, New Zealand and the USA. The role should be distinguished from that of an amicus curiae, a "friend of the court" who provides information for the benefit of the court.

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The Scottish Parliament is at this time being petitioned to allow McKenzie friends which is a bit ironic don't you think about the only place on the planet where the practice is presently disallowed is the place from which McKenzie probably came

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hwilliams PLEASE get in touch

 

In the meantime make no admissions also contact the CPS & offer to send them a copy of Primarks letter dropping all civil action AND inviting her to shop there again

 

I suspect it's a junior CPS counsel who needs some court experience & that's why they are going ahead with this nonsense

 

How do you want me to get in touch, JonCris?

 

MPS & CPS & court personnel involved emailed with all paperwork in this matter copy to Attorney General & Solicitor General suggesting to them that the case is likely to bring the CPS into disrepute.

 

Thanks for the reference to McKenzie Friend.

 

I will use the services of the Duty Solicitor getting there early to brief him or her. I can't justify running up a legal bill of hundreds or even thousands of pounds.

 

But I fear that both the Duty Solicitor and the CPS Counsel will be fresh faced pimply graduates.

 

http://en.wikipedia.org/wiki/Litigant_in_person

 

This all seems like a device to generate fees and expenses for the legal profession.

 

However, the entry in wikipedia suggests courts are biased against litigants in person and the court procedure is used by lawyers (nods, winks, first names) against non lawyers.

 

Looks like a McKenzie Friend does not have a right of audience.

 

http://en.wikipedia.org/wiki/McKenzie_friend#What_a_McKenzie_Friend_cannot_do

Edited by hwilliams
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Is it wise to let them know about Primark at this point ?

I mean sending them a copy of the letter ?

It could open a can of worms-I would sit on it.

 

A bit late as I have sent it to the CPS.

 

But what is your reasoning?

 

I seek to demonstrate to the court they we have been very reasonable in good time.

Edited by hwilliams
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Just ordered a couple of books on Advocacy from Amazon and also enrolled on a 1 day Advocacy course.

 

i would rather spend the money on self-training rather than pay fines or lawyers.

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