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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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CapQuest Statutory Demand


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I am not sure that I am up to going to court for a set aside. I am finding the whole thing really confusing and don't think that I would be able to put forward a case. I don't understand all the ins and outs. I get that my cca is an old one 2000 and may be unenforceable, but then again a judge could rule the other way. I certainly don't have the knowledge to argue it out. I don't have a default notice (from the oc or dca) and I understand this not following guidelines - but not sure exactly how this impacts. Also, not sure what happens if the set-aside is granted? it all sound quite horrific whatever way it goes.

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Hi Subam - got your pm - I've called in the cavalry to help with a letter, hopefully they'll arrive soon :D

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You are panicking for nothing. CQ haven't issued you with an SD yet. When and if they do, you can go along to court and ask for a set-aside - the clerks help you fill out the forms and are very good. The agreement is unenforceable as a prescribed term is missing and if CQ bought it without prior issue of a default notice then that is repudiation of contract by egg and unlawful recission. I wouldn't pay them a penny if they have no lawful agreement. And no - the neighbours will not know or anyone else. This is Sunday so the site is quiet but you can bump yur thread tomorrow and get advice from posters who have set aside a SD. In the meantime if you google "SD set aside CAG" you'll get posts on site where people have set aside SDs.

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Should I SAR egg to determine whether or not the sent a DN? They could have done as I was out of the country at the time and maybe wouldn't have known. CQ have supplied statements from egg and the CA but not a DN. They also sent me a copy of the assignment which said that it was 'prepared by egg in 2009'! A bit late as CQ took it over in 2005.

 

Thanks for your help.:oops:

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It wouldn't hurt to subject access but this should go to the original creditor. Believe me we are all terrified at the thought of court, my first one was on behalf of my daughter who was issued with an SD courtesy of 1st Credit, it was not fun because she had a very unsympathetic female judge but on reflection I realised that she was actually trying to help and pointing out that we didn't know enough and second time around, different Judge threw the SD out.

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Should I SAR egg to determine whether or not the sent a DN? They could have done as I was out of the country at the time and maybe wouldn't have known. CQ have supplied statements from egg and the CA but not a DN. They also sent me a copy of the assignment which said that it was 'prepared by egg in 2009'! A bit late as CQ took it over in 2005.

 

Thanks for your help.:oops:

 

Well that looks a bit suspicious for a start doesnt it ?

 

I would suggest you send a SAR request to Egg immediately their communication log should give some indication of when a Default notice was sent if at all and also any assignment date.

 

If Capquest took this over in 2005 then it may well be a good idea to invest a further £10.00 and send them a SAR request.

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Just preping the SAR to Egg and reading through the assignment letter it says:

 

...'under section 18.2 of your Egg Card conditions we have transferred our rights and your Egg Card account to CapQuest Investments'..

 

My agreement has no 18.2 or any other numbered conditions - right at the bottom of the agreement it says

 

'by signing this agreement you confirm you have read and accept the Egg Card Conditions a copy of which is enclosed'

 

Can't remember having a copy and the SAR to CQ hasn't turned up any.

Edited by subam
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Thanks Pinky

 

Yes, I wish I had done that right at the beginning. But I sent the request off to OC yesterday and have written to CQ reminding them that the account is in serious dispute, so I guess I have to wait now.

 

Subam

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Hi,

 

I'm in need of help regarding a debt with CapQuest. For the last 2 months I have been receiving letters from CapQuest about a debt that they have purchased from Abbey/Cahoot. So far I have just ignored all the letters as I am no longer living in the UK and they seemed to be fairly empty threats. The most recent letter states that they are preparing a Statutory Demand on or around the 8th May.

 

I'm not sure what to do for the best. As I said I am no longer living in the UK. The letters have been coming to my parents address, also outside the UK but within the EU. The last payment was made to the account probably around the Jan/Feb 2006 so it's not long enough to be Statute Barred. How would I go about getting the demand set aside? Would I have to apply in th UK?

 

I should also point out that I have no property or any real assets apart from my car.

 

Any help or advice would be greatly appreciated.

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They seem to be sending a lot of these stat demands out lately. I myself received one a few weeks ago, and like yourself i have no assets or property. Unless they try and serve the demand personally i.e Hand delivered then it is more than likely just an empty threat. I have ignored mine, and as yet i have heard nothing.

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Bananawoman, you may want to have a read of the threads in the following forum which deals specifically with situations such as yours where the alleged debtor is now living in a different country.

 

Overseas Debt/Overseas Account issues - The Consumer Forums

 

HTH

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  • 4 weeks later...

Hi

 

I sent the SAR out to egg on 23 April and have just had a letter back from them saying that they have no 'valid account using the details' I provided. They have sent me back my £10 cheque suggesting I resubmit with details that match. The account number I supplied was the same as their original documents - the only thing that was different as far as I can see is the address which has changed. However, I have a letter - (a copy of the assignment which said that it was 'prepared by egg in 2009'! A bit late as CQ took it over in 2005.) - which was sent to the new address and had the account details on it. I think that they are being deliberately obstructive - they obviously have tied my new address up with the account - unless the letter sent out in 2009 wasn't from Egg but from CQ, which is what I suspected.

Should I resubmit stating my old address. I also thought about reporting this to the oft etc.

Haven't heard from CQ regarding the SD yet.

 

 

 

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They seem to be sending a lot of these stat demands out lately. I myself received one a few weeks ago, and like yourself i have no assets or property. Unless they try and serve the demand personally i.e Hand delivered then it is more than likely just an empty threat. I have ignored mine, and as yet i have heard nothing.

 

Just wondering if you've heard anymore about the SD. I just received one last week and not sure if I should ignore it or not.

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  • 3 weeks later...

I have not heard anything from CQ about the Statutory Demand, but I'm sure it won't have gone away. However, I resubmitted the SAR to the original creditor - EGG, and they have sent back my £10 cheque yet again saying that they cannot match up the address provided with that on their systems. They say they need documentary evidence of my address, but the address I'm at now is nothing to do with them at all, it is 8 years since I lived at the addess that is on the EGG statements which CQ sent me. With my resubmission I also included a copy of one of EGG's statements with the address on it. CQ don't seem to have any doubt of the address and the account!

 

Does anyone have any ideas what I should do next? It seems that EGG are saying that they don't hold any information about me or the account.

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I have not heard anything from CQ about the Statutory Demand, but I'm sure it won't have gone away. However, I resubmitted the SAR to the original creditor - EGG, and they have sent back my £10 cheque yet again saying that they cannot match up the address provided with that on their systems. They say they need documentary evidence of my address, but the address I'm at now is nothing to do with them at all, it is 8 years since I lived at the addess that is on the EGG statements which CQ sent me. With my resubmission I also included a copy of one of EGG's statements with the address on it. CQ don't seem to have any doubt of the address and the account!

 

Does anyone have any ideas what I should do next? It seems that EGG are saying that they don't hold any information about me or the account.

 

So you never advised them of the change of address, the one you are living at now ?

 

As for documentary evidence, I guess you could always send them the SD that CapQuest sent you ? They should be able to provide information based on the address at which you lived at the time you entereded into the agreement with them. If you have an old statement from them, enclose that as well.

 

CapQuest is likely to have changed the account number to a system they use. So it would be no good using that account number.

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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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That is exactly what I did. I gave them the old address with their own (eggs) account number on. I also included a statement from egg (supplied by capquest when I SARed them). But they still are denying all knowledge. The thing is as well, I have a letter from Egg to my new address telling me that they had passed on the debt to capquest! I always suspected that this letter came from CQ though, rather than EGG because this letter came in 2009 when the debt had been taken over by CQ in 2004. I don't know how to get my info from them. I want to see if they issued a proper default notice etc in case they do issue a SD.

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If Capquest issue a statutory demand, where would that leave me regarding Egg sending out default notices etc given that Egg won't acknowledge having information on me which they obviously have? I don't get why they won't send me the information.

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Seriously, don't worry re this 'threat' of a Stat Demand.

 

If they send it, chances are that it will be a second class post wonder which is not how they should be served.

 

On the basis of what you have posted the Set Aside would be very easy and you'd get costs.

 

1st Credit Issued me with an SD, via second class post, and they didn't even turn up to the hearing! I got costs.

 

SD's are a frightener, simple as that. The costs involved for the creditor are at least £1,000 and they lose control of the debt completely - all powers pass to the official receiver, who is, after all, a civil servant that wants to be paid first!

 

And as for the previous post that read:" your car is an asset.." if it's a Bentley, yeah, other than that, it's unlikely that the Official Receiver will compel you to sell it. It's not like a bailiff situation, you have to be left with enough to live a normal life and this includes any home that you own unless there's equity in it that's substantial and you can usually make on offer for that anyway. Bankruptcy is not designed to be a punishment process! If you have no assets, you're laughing even more.

 

It's all bluff with these guys, sleep sound buddy!

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If Egg hold no info on you then all you would have to do is deny everything and produce the letter from Egg to prove your case.

 

IMHO I do think it is an empty threat, but if they do action it, you will get it set aside (with your costs) very easily

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