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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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Registered Keeper responsibility to PPC's


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I can't see how this can become law unless there are laws regarding the display of a full set of T & Cs easily visible. I doubt if this could be applied to supermarket car parks etc as the Land owner is inviting you onto their property which then contradicts the proposed law. Anyway has to be psssed by House of Laws first. Can it over ride the criminal offence of trespass?

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If, (as i have read it in the publication), they have to actualy give the driver of the car a notice (ticket) at the actual time of the infringement, then that would make all the supermarket ANPR camera systems useless unless they were actualy backed up with an individual placing tickets at the said time of infringement. Entry and exit cameras would be useless.

hello all:-)

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Paragraph 205 quotes!

 

Whilst the landowner (or his or her agent) may seek to recover unpaid parking charges from the vehicle keeper, as the law is currently understood to stand, any parking contract will be between the driver of a vehicle and the parking provider and accordingly the keeper may not be liable for the charges incurred if he or she was not the driver.

 

Doesn't change much then does it?

 

http://www.publications.parliament.uk/pa/c.../en/11146en.pdf

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Paragraph 205 quotes!

 

Whilst the landowner (or his or her agent) may seek to recover unpaid parking charges from the vehicle keeper, as the law is currently understood to stand, any parking contract will be between the driver of a vehicle and the parking provider and accordingly the keeper may not be liable for the charges incurred if he or she was not the driver.

 

Doesn't change much then does it?

 

http://www.publications.parliament.uk/pa/c.../en/11146en.pdf

My thoughts exactly and they still cannot issue a penalty charge notice plus there is not law forcing you to identify the driver of the vehicle on private property as that could open a real can of worms!

 

I don't think any PPC would like a test case in case they lose which woudl eb very bad for them so we can continue to ignore! Nothing changes.

Edited by Surfer01
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Seems like it will create some confusion then!

I can see some letters from PPC being very selective which parts they use.

 

I would have hoped that the new Government would have made their most important new Bill easy to understand. But they haven't.

 

It would indeed appear that the payment can be sought against the keeper BUT....

 

 

.....this will apply only if a request for payment was made when the parking incident took place.......

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Paragraph 205 quotes!

 

Whilst the landowner (or his or her agent) may seek to recover unpaid parking charges from the vehicle keeper, as the law is currently understood to stand, any parking contract will be between the driver of a vehicle and the parking provider and accordingly the keeper may not be liable for the charges incurred if he or she was not the driver.

 

Doesn't change much then does it?

 

This is part of the explanatory notes (not the bill itself), which merely sets out the existing situation. The bill itself shifts responsibility (with ceratin provisos) to the RK
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Its actually quite funny rather than cut down PPCs income it could turn out to be a licence to print money, you just have to love the Tories.

Absolutely, the clampers will move seamlessly into private parking. No maximum fee, no independent appeal/adjudication, no regulations for signage/markings - a PPC dream come true.

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After reading through the Bill, I don't see how anything will change.

 

The contract still needs to enforceable under contract law. For 'relevant contract' (their words), read 'enforceable contract'. The only difference is if a PPC is daft enough to take the RK to court, the first hurdle for them about driver ID is just removed.

 

It just means RKs will be getting letters which happily proclaim "YOU ARE LIABLE UNDER THE FREEDOM ACT 2011".

 

The junk can then just be ignored as usual.

 

Of course, the PPCs will be happy out their because they can dupe keepers into paying when they don't have to.

 

Edit - email an MP who has knowledge of these things - Ann McGuire of Stirling: http://www.annemcguiremp.org.uk/

Edited by Al27
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The Bill (sched. 4 1.1.a) clearly defines "relevant land" in sched. 4 3.1.

 

The provision only applies to land under statute and not private land. I suspect the reason is enable enforcement of non-decriminalised parking penalties on RKs instead of drivers - to parallel the situation across both crim and decrim parking.

 

Remember that there is not requirement for a vehicle on private land to be registered and thus have a registered keeper.

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The Bill (sched. 4 1.1.a) clearly defines "relevant land" in sched. 4 3.1.

 

The provision only applies to land under statute and not private land. I suspect the reason is enable enforcement of non-decriminalised parking penalties on RKs instead of drivers - to parallel the situation across both crim and decrim parking.

 

Remember that there is not requirement for a vehicle on private land to be registered and thus have a registered keeper.

 

I think if you read it properly it says 'other' than land covered by statute.

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3 (1) In this Schedule “relevant land” means any land (including land above or

below ground level) other than

(a) a highway maintainable at the public expense (within the meaning

of section 329(1) of the Highways Act 1980);

(b) a parking place which is provided or controlled by a traffic authority;

© any land (not falling within paragraph (a) or (b)) on which the

parking of a vehicle is subject to statutory control.

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After reading through the Bill, I don't see how anything will change.

 

The contract still needs to enforceable under contract law. For 'relevant contract' (their words), read 'enforceable contract'. The only difference is if a PPC is daft enough to take the RK to court, the first hurdle for them about driver ID is just removed.]

 

There could be all sorts of submissions on this point.

 

On the whole, a valid contract is entered into when it comes to PPCs. The main issue is the amount of money that the PPC seeks to recover. The act does not really set a maximum figure, it merely states that no more than is stated in the "notice to driver" can be recovered. Considering this, it could be argued that the act is legitimising what some have regarded as punitive damages.

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The Act can't set a figure without stating how the figure will be legitimised. Which is why it just speaks of the 'contract.'

 

Regardless of the subject matter, who on earth drafted this bill? It's a fudge, full of holes!

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On a more positive note surely it will stop the theft and extortion in the guise of immobilisation and towing. That is surely the main change that the bill is introducing. Pursuing the RK doesn't seem to get around the law of contract.

 

In my own case would I have to pay £625 to get my car back, or would I be able to force them to take me to court and dispute (presumably a much lesser) fee in front of a judge? If the PPC had just issued a ticket I would still have £625 +costs in my bank account.

Edited by Glitch
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It's not necessarily a bad thing. It saves a lot of messing about and the nitty gritty of contract law can be dealt with from the off. You'd also have both the driver and the keeper in court which would help those who aren't as articulate in a hearing and give the PPC egotist opposite a bit more of a challenge.

 

A clamping ban and PPC tickets remain as unenforceable as ever. I'm happy with that!

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It's not necessarily a bad thing. It saves a lot of messing about and the nitty gritty of contract law can be dealt with from the off. You'd also have both the driver and the keeper in court which would help those who aren't as articulate in a hearing and give the PPC egotist opposite a bit more of a challenge.

 

A clamping ban and PPC tickets remain as unenforceable as ever. I'm happy with that!

 

Considering the argument of who parked is going to be dead in the water they will be more enforceable than before.

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More enforceable? That's like saying someone is more or less pregnant.

 

Not really pegnancy is either you are or you aren't, a PPC ticket would rely on the circumstances as to whether its enforceable. Making the driver liable makes it more enforceable just as not using birth control makes pregnancy more liable.

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