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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    
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • 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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Carter Forbes threatening legal action help


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Hi Guys

 

Just back for some further advice. I am currently in DMP with payplan. I have a number of payday loans they are trying to make repayment offers on, one of which is liquid advance. they are making my monthly payments on my behalf and have sent my financial statements and offers of repayments to all lenders.

 

Liquid advance appear to passed my debt to a compnay called carter forbes. i keep getting the same email from them and on their website they claim to take to court after 21 days. Please see an example of the email they sent me. i have sent to payplan and responded to this company stating we have sent offer of repayment and are making the regular monthly repayments wiating for their response. I cant see alot about this company on the forums but there were some threads stating they may actually be linked to the lenders liquid advance and cash genie. Has anyone had any dealings with these guys and if so can you advise the best way to respond?

 

your help as always is really appreciated.

 

Dear XXX

 

You have an outstanding payday loan account with Liquid Advance, ref: XXXXX

 

As of yet, no repayment arrangement has been agreed.

It is imperative that you contact us by 7pm today 31/08/2011 to make payment before your account is vetted for legal proceedings from tomorrow.

Call 0845 026 8042 to make payment via debit card or alternatively, reply to this email with the following details to make payment and we will reply with your receipt of payment:

· Long Debit Card Number

· Expiry Date

· Payment amount

· Date of next payment

Please contact by 7pm, if paid today, discounts of up to 50% may be offered.

We look forward to hearing your reply

 

 

Regards

Carter Forbes Collections

Switchboard: 0845 026 8038

Fax: 0845 026 8037

Email: [email protected]

Website: www.carterforbes.co.uk

Please be advised that any payment plan that is agreed regardless of any other communication will only be accepted upon first payment being made on the said date. Enforcement action will continue up until the first payment is made and in the event that a scheduled payment is missed, enforcement action will recommence immediately.

 

Carter Forbes Collections is a member of the Credit Services Association. The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902.

 

 

The information contained in this message is for the intended addressee only and may contain confidential and/or privileged information. If you are not the intended addressee, please delete this message and notify the sender; do not copy or distribute this message or disclose its contents to anyone. Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Carter Forbes Collections. No reliance may be placed on this message without written confirmation from an authorised representative of the company.

Carter Forbes Collections is a trading name of Twyford Developments Limited, Peter House, Oxford St, Manchester, M1 5AN

Registered in England. Company Registration Number: 06318376

Consumer Credit Licence Number: 0612733

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Have you spoken to Payplan? If so, what is their advice.

 

I think CF is probably breaching OFT guidelines in that you have a 3rd party acting on your behalf and yet they are ignoring PP.

 

IMHO, CF are just rattling their cage, if PP have sent off your I&E and a letter, then they are well aware of the situation and chances are a Judge wouldnt be very pleased at them attempting to prioritise their debt over your other creditors.

 

Speak to PP and let us know what they say before you make any hasty moves.

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This is one of the problems with DMP'S which in reality are nothing more than voluntary arrangements. For example, the creditor is under no obligation to agree or stop payment demands or indeed freeze interest. No disrespect whatsoever to Payplan, but I would be tempted to request precise information about the agreements that they have made with each creditor.

 

Once this information is provided, you can then decide if such an arrangement will solve your current financial situation.

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Hi, htanks for your replies,

 

I do have copies of financials statements/offers made to some of the creditiors but as per your advice I have requested copies of the remainder. It is only a couple of the payday companies that have been unreasonable the other creditors have so far accepted agreements and payments are successfully being made.

 

I am just anxious about this company as I havent come accross them before

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You need to complain about the companies being unreasonable and clocking up charges to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the Office of Fair Trading)

 

For the payday loans you only owe the original loan amount and one months interest, no matter what they might like to tell you.

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Do not contact carter forbes direct, get your payplan to do it. Carter forbes dont have a leg to stand on seen as your debt is not actually with them, if there is no signed contract between you and carter forbes then dont worry about it .

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