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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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Hi To All

 

I hate these so much ( and I dont like the word ,hate ) I just called them re a bailiff demanding £100.00, for two visits ( I know the correct charges ) I informed them that I would be given them the chance to explain their demands for trying to extract fraudulant amounts from me.

 

WELL WELL she went ape saying who do I think I am, am I Mr know it all,

 

Then she hung up, really stopy she was.

 

Well I feel great now, able to fend for myself at times and that is down to the help and advice I have recieved from you the cagers and the Mods.

 

Cheers

 

Mr W

 

( Oh I know you may say I shouldnt have phoned them, but it is a different scenario to the DCA's

Regards..Mr Worried :)

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Hi To All

 

I hate these so much ( and I dont like the word ,hate ) I just called them re a bailiff demanding £100.00, for two visits ( I know the correct charges ) I informed them that I would be given them the chance to explain their demands for trying to extract fraudulant amounts from me.

 

WELL WELL she went ape saying who do I think I am, am I Mr know it all,

 

Then she hung up, really stopy she was.

 

Well I feel great now, able to fend for myself at times and that is down to the help and advice I have recieved from you the cagers and the Mods.

 

Cheers

 

Mr W

 

( Oh I know you may say I shouldnt have phoned them, but it is a different scenario to the DCA's

 

Hi Mr W,

Remember my thread last week regarding Rossendales and the infamous Mr Curnow? Well, I was speaking to CAB today and they have discovered that this chap DID have his certificate revoked due to his misrepresentatrion of what he has authority to do (and not to do) BUT, he reapplied using a different spelling, i.e S Curnow instead of his actual name which is S kernow. So, he's fraudulently obtained a new certificate! He also charges folk £110 for a "van fee" which goes in his pocked. He's well known down here in Cornwall. Thought you'd be interested. (I've put all this in a letter to CEO of Cornwall COuncil, Plus my MP)

Eliza

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  • 4 weeks later...
Hi Mr W,

Remember my thread last week regarding Rossendales and the infamous Mr Curnow? Well, I was speaking to CAB today and they have discovered that this chap DID have his certificate revoked due to his misrepresentatrion of what he has authority to do (and not to do) BUT, he reapplied using a different spelling, i.e S Curnow instead of his actual name which is S kernow. So, he's fraudulently obtained a new certificate! He also charges folk £110 for a "van fee" which goes in his pocked. He's well known down here in Cornwall. Thought you'd be interested. (I've put all this in a letter to CEO of Cornwall COuncil, Plus my MP)

Eliza

hi all is this a regular thing that bailiffs do (change spelling in their names) as when i done a search on the company that im dealing with both a man and woman had licenses revoked only to be replaced with another man and woman with similar names but different surnames i could understand with the woman as she might have got married but not with the man....

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hi all is this a regular thing that bailiffs do (change spelling in their names) as when i done a search on the company that im dealing with both a man and woman had licenses revoked only to be replaced with another man and woman with similar names but different surnames i could understand with the woman as she might have got married but not with the man....

 

This is incredible..the courts MUST be aware of this when they issue certificates! This is so corrupt.

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Hi To All

 

I would like somebody to do me a nice letter re Rossendales as I am furious.

 

Ok I knew they would not be long in coming as the council had got a LO, even though I told them that they could have payment £600.00 on 10th Dec.

 

Anyway he ( Mr Patchet ) left a letter today normal blah blah, guess what he wants for charges..yes £110.00. I called the council who were not helpfull and they said..nowt to do with us.

 

I am aware of the charges re 1st visit etc, and I want to let these idiots know how angry I am with their threats and illegal charges.

 

Cheers all

 

Mr W

Regards..Mr Worried :)

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Hi there

1) DO NOT PAY these a--hol-s.

 

2) DO NOT (under NO CIRCUMSTANCES EVER let them into your Home- then all bets are off) even if they guy says pleas can I use your loo-- make him P-SS in your garden and then charge him for any offence you like.

 

Once the've gained admittance then what little legal protection you had under the Law has GONE -- although I'm not sure about the regs in this case of "Van Fees" and the like --better don't EVER let them in in the first place.

 

3) Ensure you have written to the Council offering to pay SOMETHING - however small. That will get you off the hook if some of the Bovine stupidity of the council officials try and go to Court again for Non Payment of Tax -- they will just look stupid if you've offered to pay. No court - even in the UK will throw the book at you for NON payment if you've offered some sort of deal.

 

If you really CAN'T pay a Court is actually a lot less threatening than big burly "Bouncer" type Bailiff - and maybe you can get some Council Tax relief -- that would sock it to them.

 

3) If Rossendales etc have got ILLEGAL charges on the bill expose to Local Radio / TV / Press -- also stress in your Letter to "Council XXXX" -- especially with an election coming up that they are going to look really good employing (and even though Rossendales are a separate company whilst they are "subcontracted" to your Council they are deemed to be employees of the Council and therefore the Council is responsible for their behaviour) people who are commiting ILLEGAL acts and how would this appear to Businessmen wanting to invest in their area.

 

4) After 90 Days in any case its NULLO BONO for the Bailiff and case MUST go back to Council.

 

 

6) A COUNCIL is LEGALLY OBLIGED to collect TAX - IT CANNOT REFUSE -- and if they give you some B/S --It's in the Bailiff's hands we can't do anything about it - this is NONSENSE. They've employed the thugs as Subcontractors --they can decide not to use them at a moments notice.

 

7) If all else fails just sit it out --so long as your letter offers to repay some money they will look really stupid and you'll actually have a GOOD TIME in Court if it ever gets that far plus a great "I Beat the Bailiff Sticker".

 

In NO way am I telling people NOT to pay - just don't give in to Bullies etc and use what few rights we have left under the Law. Just offer to pay something (but NOT to the Bailiff).

 

If you really CAN'T pay anything then usually the Civil debt agencies such as the CAB can help as well as organising some sort of method in appying for Council Tax relief. If a Civil Debt is in dispute then usually further Court action etc and the use of other 3rd parties is NOT allowed,

 

Without sites like these there's no end to the amount of distress these thugs and low lifes can cause and get away with -- No wonder some of the Financial service providers don't like caggers.

 

(I think if you DO deal with these bullies and thugs they can lawfully charge 24.50 for first Visit, 18.00 for a second and some SMALL prescribed collection charge depending on what they are collecting for and how much you owe. Best NOT to even SPEAK to them if they call -- you are 100% within your rights to do this - but DON'T LET THEM IN).

 

Cheers

jimbo

Edited by jimbo45
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Hi there

1) DO NOT PAY these a--hol-s.

 

2) DO NOT (under NO CIRCUMSTANCES EVER let them into your Home- then all bets are off) even if they guy says pleas can I use your loo-- make him P-SS in your garden and then charge him for any offence you like.

 

Once the've gained admittance then what little legal protection you had under the Law has GONE -- although I'm not sure about the regs in this case of "Van Fees" and the like --better don't EVER let them in in the first place.

 

3) Ensure you have written to the Council offering to pay SOMETHING - however small. That will get you off the hook if some of the Bovine stupidity of the council officials try and go to Court again for Non Payment of Tax -- they will just look stupid if you've offered to pay. No court - even in the UK will throw the book at you for NON payment if you've offered some sort of deal.

 

If you really CAN'T pay a Court is actually a lot less threatening than big burly "Bouncer" type Bailiff - and maybe you can get some Council Tax relief -- that would sock it to them.

 

3) If Rossendales etc have got ILLEGAL charges on the bill expose to Local Radio / TV / Press -- also stress in your Letter to "Council XXXX" -- especially with an election coming up that they are going to look really good employing (and even though Rossendales are a separate company whilst they are "subcontracted" to your Council they are deemed to be employees of the Council and therefore the Council is responsible for their behaviour) people who are commiting ILLEGAL acts and how would this appear to Businessmen wanting to invest in their area.

 

4) After 90 Days in any case its NULLO BONO for the Bailiff and case MUST go back to Council.

 

 

6) A COUNCIL is LEGALLY OBLIGED to collect TAX - IT CANNOT REFUSE -- and if they give you some B/S --It's in the Bailiff's hands we can't do anything about it - this is NONSENSE. They've employed the thugs as Subcontractors --they can decide not to use them at a moments notice.

 

7) If all else fails just sit it out --so long as your letter offers to repay some money they will look really stupid and you'll actually have a GOOD TIME in Court if it ever gets that far plus a great "I Beat the Bailiff Sticker".

 

In NO way am I telling people NOT to pay - just don't give in to Bullies etc and use what few rights we have left under the Law. Just offer to pay something (but NOT to the Bailiff).

 

If you really CAN'T pay anything then usually the Civil debt agencies such as the CAB can help as well as organising some sort of method in appying for Council Tax relief. If a Civil Debt is in dispute then usually further Court action etc and the use of other 3rd parties is NOT allowed,

 

Without sites like these there's no end to the amount of distress these thugs and low lifes can cause and get away with -- No wonder some of the Financial service providers don't like caggers.

 

(I think if you DO deal with these bullies and thugs they can lawfully charge 24.50 for first Visit, 18.00 for a second and some SMALL prescribed collection charge depending on what they are collecting for and how much you owe. Best NOT to even SPEAK to them if they call -- you are 100% within your rights to do this - but DON'T LET THEM IN).

 

Cheers

jimbo

 

Hi Jimbo

 

Thanks for the reply.

 

I have had dealings with the Council and Bailiffs before and I have handled them quite well, but on this ocasion I want to ' shove it up them ' by way of complaint letter to Rossendales ( re charges) and to the council about the over charging by their reps.

 

Mr W

Regards..Mr Worried :)

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Hi there

What about also the complaint about Rossendales using employees who've had their certification refused or whatever -- I refer to the infamous Mr Curnow or is it Kernow --there's posts elsewhere about this particular individual.

 

It's crazy that WE need criminal record checks now if we volunteer to drive friends kids to School etc but the Council apparently doesn't check up on the people their own subcontracors (Rossendales) are using.

 

Like me aren't you just getting Heartily SICK and TIRED of being pushed around, bullied, threatened and cajoled by people who are supposed to be OUR SERVANTS.

 

Of course we have to pay TAX - if we can - but people do get into all sorts of difficulties and as I keep saying in these cases councils should NOT refuse to accept payment when an offer has been made.

 

It's time we struck back and refusing to deal with these BULLIES is a start - especially as they have NO regard for any sort of common law -andr don't even seem to vet their own employees

 

-- Mr Kernow or is it now Mr Curnow --hope you are reading this Forum as YOU ARE A FRAUD who should NOT be a bailiff.

We are coming to get you and the whole stinking ship that's Rossendales.

Cheers

jimbo

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  • 2 weeks later...

Update Update

 

Hi To All

 

Well I have just paid the £626.00 councill tax, although the bailiff wanted a total of £724.50. ( he has made two visits ).

 

The councill say that they will advise rossendales that I have paid, however they did not do that the last time this happened.

 

I want to call the bailiff and tell him what I think of his attempt to de- fraud me.

 

Any suggestions as what to do next, nice letter maybe/ to both the councill and Rossies.

 

Cheers

 

Mr W

Regards..Mr Worried :)

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Hi I have just done a check on the bailiff and he is registered through the courts. but with another company/ does this still allow him to collect for the one he is not reg with and if so do they not have to get re- checked if they move jobs , or are they allowed to collect for multiple companys?

 

Mr W

Regards..Mr Worried :)

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If your search reveals that the bailiff is working for a different company it is important to be aware that statutory regulations laid down by Parliament state that if there are "any changes" to the certificate then the bailiff must “without delay” give notice to the Court and a new certificate will be issued to him reflecting the changes. This is vitally important because in almost all cases, the bailiff’s bond will be cancelled when he leaves his previous employer!!

 

the register is not always up to date you can phone Ministry of Justice Public Register of Bailiffs on 020 3334 6355 to confirm who he works for

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  • 2 weeks later...
Hi I have just done a check on the bailiff and he is registered through the courts. but with another company/ does this still allow him to collect for the one he is not reg with and if so do they not have to get re- checked if they move jobs , or are they allowed to collect for multiple companys?

 

Mr W

 

What is the other company, as it maybe his own company and subcontracting work from Rossendales, which would be ok

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Suggest you also make a formal complaint to the County Court where this **** is registered and certificated from. There was a thread on here somewhere but cant find it now about a BBC reporter doing a programme - and this is the kind of thing they should be reporting. Outrageous!!!

 

Is this the thread you are looking for ? it is posted as a sticky at the top of this page:

 

BBC Story on bailiffs

 

WD

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