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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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PCN I recieved, have I got a chance of appealing?


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I can accept what you are saying buzby. I am basing my thought process on logioc I must admit, not law. I think this is one for the Op to decide on, but the fact they read the sign, paid by phone and crucially were told it was free after 6:30pm would I think be grounds. I understand what you are saying about car signs being on the road too.

 

It is certainly worth an appeal I feel. I would suggest a politely worded letter appealling to their better nature on this occasion may help, but you and I know what councils are like.

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... but the fact they read the sign, paid by phone and crucially were told it was free after 6:30pm would I think be grounds. ...

it is free parking after 6:30... right up until 7 when it is then loading only...

 

just like it's free parking in the morning from 7, (when the loading only restriction ends), right up until 8:30 when the 4 hours no return within 1 hour paid parking restriction start.

 

or have I just read it all wrong?

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Dear Sir

 

The sign you have alledged I have contravened is a 'loading only' sign TSRGD diag 660.4. Direction 25 in the TSRGD clearly states the type of bay I parked in must be marked with the legend 'loading only' if this sign is used to restrict the bay.

In addition the pay by phone signage on the same bay has no hours of operation on it, standard practice would infer that the bay then operates 24/7. I phoned the number only to be told the restriction ended at 18.30 before I parked.

When a bay has more than one restriction it is common practice to place all the restrictions on the same timeplate to avoid confusion in this case I read the pay by phone sign and failed to notice the 'loading only' sign placed further up the pole.

I therefore request this PCN is cancelled forthwith due to non compliant signage. If you fail to do so can you provide with the notice of rejection a copy of D of T approval for the use of the pay by phone sign without hours of operation in a bay that is not 'at any time' and approval for the use of the 'loading only' sign without a legend on the road.

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Thank you G&M. When I write to them should I attach the pictures I have taken of the bays and the signs?

 

Yes you may as well but they will probably just try to call your bluff at first but when they do reply and most likely reject the appeal come back and we can take it from there.

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Yes you may as well but they will probably just try to call your bluff at first but when they do reply and most likely reject the appeal come back and we can take it from there.

 

Ok thats what I will do, thank you very much G&M I will get this drafted up tomorrow and send it on monday, I will reply back soon as I get a response.:)

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  • 2 weeks later...

Hi there guys have an update to this situation, I just recieved a response from the Parking services here is there response to this:

 

"Thank you for your correspondence regarding the above Penalty Charge Notice issued by the Civil Enforcement Officer believed the vehicle to be parked in a bay designated for loading only.

 

Your challenge against this PCN has been rejected because the road markings and signage are correct and compliant to the regulations.

 

As the bay is not a dedicated loading bay in force 24 hours and has a seperate use during the Controlled Parking Zone hours, the legend "Loading" is not required on the road. During the CPZ hours of control the parking bay is a Pay by Phone bay. The signs that advise of the CPZ are located at the entrance at the entrancve to each parking zone unless the restrictions remain the same as the zone you are leaving.

 

It is the drivers responsibility to ensure they check all local road markings and signage to ensure they are fully aware of the restrictions in force.

 

After reviewing all the evidence submitted by the CEO and yourself, I can confirm that the PCN was issued correctly."

 

They enclosed two pics printed on the letter one of the car with the ticket and one of the signage which I have already taken a picture of and shown on here.

 

Two options pay at discounted rate from date of letter or make a formal representation.

 

So the question is what now? "green&mean?"

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Haven't you already made a formal Representation? If not, their considered response was pretty well detailled for an informal response. As they have restarted the discount period, I would take it. Since you are really only appealing on the fact the sign cannot be read from the pavement, this cannot be sustained as a requirement in law - so the pragmatic approach would be to take the extended discount, as a subsequent Adjudication supporting this point woul be slim.

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Haven't gotten to that stage all I have done so far is right to them and sent a letter via email and wrote exactly what green&mean said I should write. Just got the response from them today telling me what i've written in my post.

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Await Notice to owner and send same thing back if they take it to adjudication which is highly unlikely for Westminster I will come with you or represent if you cannot attend. You can use same letter for formal reps I will draft a better more detailed one for the adjudication. They may have authorisation for the bay but the bit about the CPZ is complete bull a CPZ only covers bays without signs and yellow lines.

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Await Notice to owner and send same thing back if they take it to adjudication which is highly unlikely for Westminster I will come with you or represent if you cannot attend. You can use same letter for formal reps I will draft a better more detailed one for the adjudication. They may have authorisation for the bay but the bit about the CPZ is complete bull a CPZ only covers bays without signs and yellow lines.

 

So I don't need to write to them to say I want to make a formal representation so shall I just sit on it and wait till the notice to owner comes?

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Heck no. You need to raise an appeal with the correct PArking Adjudicator. YOu don't have to tell the Council if you don't want to as your discount will auto-expire anyway.

 

If you do nothing, the next step will be bailffs.

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Heck no. You need to raise an appeal with the correct PArking Adjudicator. YOu don't have to tell the Council if you don't want to as your discount will auto-expire anyway.

 

If you do nothing, the next step will be bailffs.

 

Buzby - he's not had an NTO yet. He SHOULD wait for the NTO then make a formal rep. It's too soon for the adjudicator and bailiffs are a long way off.

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The OP said;

 

"So I don't need to write to them to say I want to make a formal representation so shall I just sit on it and wait..."

 

 

The OP needs to MAKE a formal representation (on receipt of the NTO) not 'sit and wait'' - there's no mileage in telling the Council you intend making a formal representation, this has no relevance.

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Await Notice to owner and send same thing back if they take it to adjudication which is highly unlikely for Westminster I will come with you or represent if you cannot attend. You can use same letter for formal reps I will draft a better more detailed one for the adjudication. They may have authorisation for the bay but the bit about the CPZ is complete bull a CPZ only covers bays without signs and yellow lines.

 

I'd snap that offer up if I were you. That's a kind offer Green & Not So Mean. :)

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Ignore all the waffle, formal reps are made to the notice to owner await that then send the same appeal but expand it a bit.....

 

The sign you have alledged I have contravened is a 'loading only' sign TSRGD diag 660.4. Direction 24 in the TSRGD clearly states the type of bay I parked in must be marked with the legend 'loading only' if this sign is used to restrict the bay. There is no provision for the 660.4 signage to be used in a part time bay without the road marking 'LOADING ONLY'. If the intention was to allow loading but restrict parking a single yellow line should have been used 7pm-7am.

In addition the pay by phone signage on the same bay has no hours of operation on it, standard practice would infer that the bay then operates 24/7. I phoned the number only to be told the restriction ended at 18.30 before I parked. Your notice of rejection incorrectly states that the hours of the pay by phone are indicated by the CPZ, as you should well know CPZ signage only covers single yellow lines and bays that have a legend on the road but no time plate, the lack of time on a sign clearly indicates the restriction is at 'anytime'. The pay by phone signage is therefore non compliant and misleading due to its lack of the correct hours of operation.

In addition when a bay has more than one restriction it is common practice to place all the restrictions on the same timeplate to avoid confusion in this case I read the pay by phone sign and failed to notice the 'loading only' sign placed further up the pole.

I therefore request this PCN is cancelled forthwith due to non compliant signage. If you have also failed to provide with the notice of rejection a copy of D of T approval for the use of the pay by phone sign without hours of operation in a bay that is not 'at any time' and approval for the use of the 'loading only' sign without a legend on the road.

I will advise you that if this PCN is not cancelled I will be taking it to adjudication and will be seeking costs due to the Councils failure to accept that the signage is non compliant with the statutary requirements.

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  • 1 month later...

Hi there Green & Mean. Just been waiting for the Notice to Owner to come in and arrived this morning. So shall I just copy what you have written above and also is there anything else you can think I could add?

 

Also found something interesting too, they have recently changed the sign plate and now everything is written on one plate and also they have changed the loading hours as well!

 

So now the loading hours are now from 6.30pm till 8.30am monday to sunday.

 

06012010132.jpg

 

So it must have been wrong in the first place as they didn't erect the correct signage.

 

Also you know you mentioned about the legend loading only in the bays, that still isn't present in the bays!

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How strange they are millions in the red and still find £100 for a nice new sign to replace the perfectly legal one that was there before?!

 

Yes just stick with what we have already, the TMO (traffic order) may have been wrong unless they changed it for the new signs but you should get a copy if it goes to appeal in the evidence pack. You can add the signage has been changed and was wrong to try and convince them but Westminster tend to treat parking like Poker and will usually call your bluff only fold at the last minute. Note that they have now put the times on the phone sign aswell, lol I sometimes wonder how they get their jobs??

 

You could be cheeky and send them the new photo with the background cropped and say this is what the sign should look like and don't mention its been changed and see what they say.

Edited by green_and_mean
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If this goes to the adjudicator, remember to ask for costs on the basis of the LAs unreasonable behaviour in handling your representations.

 

PS Let me know when it is, I'd love to come along for the entertainment!

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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