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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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PPI Claim - lloyds say i didn't have i!


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Hi All,

I am wondering if anyone can give me a bit of advice re my PPI claim against Lloyds.

 

I filled out the form which they have on there website.

I was unable to give them a/c details as i no longer have them but i filled it out to the best of my ability.

I did have to personal loans with them and the 2nd one was to consolidate the 1st one and other debts.

 

In the end i had to enter a trust deed/dmp and that ended about 6 yrs ago but looking on other websites it does say to still claim for ppi.

 

I sent this letter to Lloyds on Friday 20.04.12 and received a letter from them dated the 26.04.12 saying that they have checked there records and established that i didn't have ppi.

 

I think the response was very quick considering that all i provided was my name and date of birth,

is this a fob off and should i ask them to send me a copy of my details or should i take there word and leave it.

 

I have 28 days for the date of my letter to respond.

 

 

Many thanks in advance.

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Hi

 

Have you got the agreements for these loans?

 

Do you know that you paid PPI on them or did you put in a claim without knowing whether you had it or not?

 

ims

 

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The inly way to find out of you had PPI is to get copies of the agreements.

 

If it were me I'd send them a Subject Access Request (SAR). There is a template in the CAG library, the link to which is at the top of every CAG page in green. Add a line that says that this SAR is to include copies of all and any agreements you have ever had with them.

 

Cost is £10 and they will have 40 days to comply.

 

ims

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Hi ims20,thanks for your response. I have got that document and will send it to them asap, can you tell me is it ok to send a postal order as don't have a cheque book?thanksnoonoo

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Hi

 

Yep Postal Order is probably better cos they can't "lift" your signature from it.

 

Make sure you write on the back of the PO that it is for the SAR only and is not to be used for any other purpose.

 

ims

 

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Hi Guys,

 

Just a quick one I too am dealing with LLoyds 3 Loans and a Gold credit card, I still have some of the Paperwork as I sent for SARS when I was claiming bank charges. Within a couple of days I too received a letter about CC and they replied by saying they had exhausted all avenues and could not find I had any PPI on my CC. To which I have now replied with at least 5 statements highlighting £77 payment card Protection. So like the others suggest go for SARS.

 

Regards Maria

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Hi,

 

LloydsTSB said the same thing to me. "No record of you having PPI". Seems to be a standard response. They finally capitulated after I issued a claim in the County Court.

 

 

 

Hi thanks for your response, did you send a SAR or have to take them to court first before they changed there mind?

 

noonoo20

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  • 1 month later...

I have since received a response from Lloyds re my SAR, they have advised me that they are unable to locate any info on my and to send them my previous address history, I have posted this today. Does anyone know if I was to do an online credit check/report does this give me any info on my previous a/c's and how far back does it go?

 

Thanks in advance

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thanks again ims21, i will have a look.

 

i have been looking on other post and by the sounds of it lloyds seem to try and stall at every turn. do you think if i was to get in touch with the company that dealt with my iva they could give me any details, this finished about 6 yrs ago though

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I also had my claim to Lloyds kicked back quoting the same excuse of no PPI found. It appears to be their standard initial response to oldie claims as they cant be bothered to trawl through their records and hope that the claimant will give up. I was also on a debt management plan (now paid up) but I dont think that had any bearing on how Lloyds processed the claim.

My claim related to credit card PPI dating back to the nineties and early noughties. They only supplied stuff from year 2000 on my SAR but were able to provide earlier summary card info when I phoned the SAR dept.

I even included in my claim the relevant SAR copy statements with the PPI highlighted but this of course was totally ignored when it came to the standard rejection letter being issued.

The claim is now with FOS so I have a good year to wait before any further developments. I am slightly more optimistic about two similarly aged Halifax claims issued at the same time and also based on SAR supplied documents - the claims were acknowledged and not rejected outright so with the 8 week deadline looming, I am hoping for some better news ...

 

Brett

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Hi Brett, yeah by looking at other posts i think lloyds just like to drag their feet. I sent a letter yesterday by recorded post with my full address history since 1994, not sure if they have another 40 days to respond to my sar request? I have also emailled the company that arranged my iva to see if they have any a/c details as this only stopped approx 6 yrs ago. I really dont want to the FOS route but if anything else fails will need to. Hope you get some good news soon

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Hi Noonoo, Lloyds should be able to do your SAR based on your address history without the need for account numbers. Based on my personal experience with both bank charge and PPI SARs to numerous banks/credit card companies etc, Lloyds will respond near the tail end of the 40 days but on the plus side, their meaty reponse comes near the top in terms of comprehensive info. Just don't expect any detail prior to 2000. The crazy part is that when you pick out the juicy PPI bits from the SAR and pack it off back to Lloyds as part of a claim, they deny all knowledge Arghhhhhhhhh!!! I hope your claim works out better

Brett

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  • 1 month later...

Hi All,I have now received a letter from Lloyds advising me that I can pick up my DSAR from my local branch once I let them know where it is. Suprisingly (not) they received my letter on the 29th June and only just managed to send a letter dated the 31st July advising me of this but since then I have received letters from there Recoveries/Collection dept with details of my 2 loans which includes the amount of Loan Protection Insurance. I am looking for a bit of advice on what to do next, do I now need to send another PPI consumer questionnaire? Also I had a 'Trust Deed' which was completed back in 2006, will they try and recover some of this money or try and reject my claim? Finally they told me that I had PPI of £838.35 and £2643.77, how much would I get back?Many thanks in advance for your help

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So their response to your initial complaint was that you didn't have PPI and now you have evidence that you did.

 

Send them a copy of the original fos questionnaire and copies of the evidence. Ask them to put in writing why they initially told you you didn't have it when clearly you did. Tell them that you require this explanation in writing so that you can forward it as an official complaint to fos.

 

Also take steps to get that SAR information.

 

Without knowing the full details of the loans and the payments made against them it won't be possible to work out how much is due back.

 

I'm not sure about the situation with the trust deed but if I can find anything I'll post it up.

 

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  • 3 weeks later...

Thanks ims21 for your reply, sorry been on holiday. I have since received my SAR info and have filled in another questionairre with the a/c details and included copies of my documents along with a covering letter so hopefully i will hear something worthwhile. Will keep you posted on how I get on.

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  • 2 months later...

Hi,Can anyone please tell me what the timescale is for a decision/response from lloyds re my ppi complaint? I sent my 2nd set of ppi questionnaire's along with evidence that i had ppi after receiving my SAR on the 31.08.12 recorded delivery and today when i called for the 3rd time since i sent my new set of docs they have advised me that a decision hasnt been made and they will arrange for a follow up email to be sent to the correct dept. I have asked when i will get a response but they say that they can't give me a timescale, i was on the understanding that they had 8-12 weeks to respond?thanks in advance

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