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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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An untimely conundrum


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Hi there. I'll keep the story short:-

 

Back in 2003 I'd had some very bad dealings with Barclays Bank, i'd gone overdrawn and they were pushing very high bank charges and making things worse and worse.

 

Eventually my Mother helped me to payback a lot of the debt however there was about £100 pounds that never got paid and at the time i let it hang thinking of all the charges they'd made against me.

 

I moved on and they never chased me up... till recently.

 

I now find I am being billed by a debt recovery service (Global Debt Recovery LTD) for the ridiculous amount of nearly £1500.00!

 

I have not as yet replied to these letters but they seem to be pushing hard though they have not as yet sent a notice for court procedure. But have said they will procede further if payment is not forthcoming.

 

Admittedly I should not have left a £100 debt go on for so long but now I am worried sick as to what I should do about this.

 

It dates back so far that I have heard somewhere that their claim on the monies may not be valid anyway.

 

Could someone please advise me on this and as to what I should do.

I would be very grateful for any help regarding this, thank you.

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

 

check your CRA file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

If you haven't made a payment on the account or acknowledged it in writing for a clear period of 6 years (5 in Scotland) then it is Statutory Barred.

 

ims

 

Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

check your CRA file

 

dx

 

Not sure what a CRA is.

 

By them having no legal powers does this mean I won't have any problems with bailiffs? (this is a real worry to me)

And do they (the bank) have to push it to court before any bailiffs can get involved?

 

Thank you for responding so quickly.

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Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

If you could im me the SB letter link I would be grateful as I've not found that yet. Much appreciated.

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Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

 

dca's rarely do that

dont foget they have no legal powers

 

they are NOT bailiffs and never will be

 

you or could be a dca tomorrow

 

they just sent threat-o-grams thats it!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

.

 

well yes else anyone could look at your info

 

if you have a card of anytype its instantaneous almost

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just a point about Noddle. I am a member and although they are the smallest of the CRAs, the information is laid out in an orderly way. Much easier to read than the others.

It doesn't matter if you are worried about signing up. If a DCA wanted to find you, they would have done so long before this bunch

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

 

I think you got lucky there.

These people usually want to see proof in such instances. I know this because another dca was chasing a previous tenant at this address and it got nasty with bailiff notices and the like.

When telling them they no longer lived here they said they would need proof of that.

 

I think (though not entirely sure) that in such instances proof does not necessarily have to be given from a third party to verify such information involving someone else's case.

Anybody know anything about that?

Just curious, as it did put me on the spot at the time. (a little off topic but nevertheless interesting).

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Hope you get it sorted , don't worry okay.

 

Like the poster above said, after 6 years a debt is statue barred so legally they don't have a leg to stand on, DCA buy these debts from companies and they know they have 6 years to collect it or they lose money which is why they are trying to get money from you, I seriously wouldn't bother with it

 

I prob did get lucky lol but I have had issues with DCA in the past and they have NEVER took me to court or sent bailiffs, they rarely do. I set up payment plans with them at like £10 a month . They say all this in letters to frighten people and get them to pay up.

 

:D

Edited by Hotlips85
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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

 

Thanks for your help. Very much appreciated.

 

I'm still very reticent at getting involved at this stage though to be honest. Thinking maybe wait to see if it just dies down y'know.

 

If they take things too far and hassle me at home ie a visit then yes, the information given here is extremely helpful.

Thank you for putting my mind at ease.

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Just some additional info for peeps in similar circumstances:-

 

The letter I'd received had a place where to fill in 'Credit Card/Bank Details' and suggesting to fill in an amount that 'I would set myself to pay weekly/fortnightly'.

 

Given the advice on this thread this would seem to agree with what's been said and that they are just chancing there arm at trying to get payments made when they seemingly have no legal entitlement to the monies.

 

Hope this helps anyone in a similar situation.

Again many thanks to the members here for all the helpful advice.

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Just don't worry , there is nothing they can actually do, they don't have a leg to stand on and they are making a last ditch attempt to get some money from you l.Forget about if you can cause they are not worth worrying about at all. I hate DCA , they literally have no powers just big words, my nan got one one day because of BT passing it on to them, she was in a right state, crying etc because the letter threatened court action, it's all bull**** and I hate what they do, they are just like loan sharks. Take care x

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