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    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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Just a quick question first. Has this account been previously defaulted?

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To Answer your first question Lowell are debt collectors an debt purchasers,they by up statute barred or nearly stat

barred debts for pennies in the pound then try to collect the whole amount.

They will have purchase the debt (contract) for the store card and are pursuing the debt Equifax have fairly recently

started allowing the debt collection agencies to place the entry you see on the report as they now own the debt

they are allowed to state store card from lowell.

It is underhand and unfair I have challenged it on others behalf with no success with the ICO or OFT.

The figure 8 denotes that the original account has been defaulted, if the balance is £00 and shows settled it should mean

the debt has been paid off but I am not sure if you have removed the figures.

Are you aware of the debt, and which store card this is,with a little more detail we may be able to help more.

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Thanks for that!

 

Yes, It was defaulted previously, removed from my file after Lowell closed the account because they couldn't locate the CCA.

 

They are now trying to say that a crappy spreadsheet containing some pretty sparse and incorrect details constitutes proof of this debt via the 'Electronic Communications Order 2004'.

 

Full story here:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?303275-Interesting-Development-In-Lowell-Vanquis-Debacle

 

and here:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?302694-Electronic-Signature-for-Online-Applications

 

They have now reopened it and added it again to my credit file!

 

Is this legal?

 

RI

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Are the default dates correct and when was the last payment made?

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This is the second one I have seen today. Didn't post on the other one so I can't find it.

 

It seems to me that Lowells are trying to extend the default period by settling one default and placing a second. I would like to know how they are allowed to default anything

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NOTHING about this is correct although I cannot recall exactly the original dates, I'm sure I've got them somewhere though!

 

Lowell's seem to have added this nonsense AFTER it was removed about 6 months ago.

 

I have absolutely no idea what they are playing at!

 

How can they close an entry and reopen one for the same amount 6 months later?

 

Surely this is absolutely illegal?

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Yes it does possibly when they started the idiotic system of entering data.

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You could always SAR Experian and see what they come back with (if you do so, expect a large amount of paperwork)

 

I would dispute this default with experian as well as you have previously been defaulted

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I absolutely HATE Lowell's!

 

They are rapidly replacing Mackenzie Hall in the 'dirty tricks' league!

 

It's about time the OFT and the ICO etc. got off their fat, lazy arses and did something constructive to bring these scumbags to task with their methods.

 

I can only summise that their recent 'flurry' of activity and 'bending' of the rules can be attributed to sheer desperation!

 

I for one will NEVER pay Lowell's a single penny!

 

If they produced a CCA that was made of solid gold, had my fingerprints upon it, was enforced by the highest court in the land they would still NEVER see a penny from me, I would rather go bankrupt or go to jail!

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The so called regulators can see no wrong in whats happening.!!!!!!!!!!!!!!!!!!

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