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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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CapQuest chasing 1999 abbey Overdraft - Court Claim Received


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lilmiss, this is bizarre because they had your previous address.. did they not.. they phoned you after you moved and you were concerned about giving them your NEW address ??

 

I will flag your thread for someone with more knowledge.. so dont do anything for the moment.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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IMHO, I would not respond to their request. They should obtain any information from "their client"

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have today received a letter from CapQuest as follows:

 

"Further to your recent correspondence and in order to process your communication further, we would request you provide the following information by 19th August to assist us in resolving this matter: Details of residence at time this account was opened: 30/04/1999. Your assistance would be greatly appreciated. Please note that this is not a demand but a request."

 

Surely they would already have this information? x

 

Do not contract with them at this stage, they have the necessary info or can go to the O.C. = chancers.

:mad2::-x:jaw::sad:
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off and bugger me thinks!!

 

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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in all this you have not checked your CRA file

 

please do so ASAP

 

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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If they are phoning this letter will do the trick - i sent it to a different DCA who wrote back and advised me that my phone number as deleted and no more calls came.

 

 

17th Febuary 2011 By recorded mail

 

removed template - dx

If i help feel free to click star on my post. cheers

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in all this you have not checked your CRA file

 

please do so ASAP

 

dx

 

Sorry to sound thick but what is this and how do I do it?

 

Thank you to everyone who has replied so far.

I was a bit bewildered as to why they would be asking me for information that I would presume they already had.

I am not going to respond to their letter.

I am possibly moving house sometime in September too,

should I let them know my new address when I've moved? x

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worth using noddle (callcredit) free

https://www.noddle.co.uk/

 

 

and if you want to check all 3 CRAs a £2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/s...ry-report.html

 

Equifax

http://www.equifax.co.uk/Products/cr...ry-report.html

 

I have found different info on all 3 of mine so for me worth looking at all 3

If i help feel free to click star on my post. cheers

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you can select to download it as a PDF too -. noddle only lets you see updated version if you dont log in for 30 days i think, so download your file as PDF and dont log back in as doing so resets the 30 days i think....

 

you can dispute any entries you dont recognise with them and get those removed and while you are at it make sure ALL your details are correct, even down to spelling of street names and post codes etc.

If i help feel free to click star on my post. cheers

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look for defaults on there, what they are for and who put them there and when they were put there.

 

DX will tell you more im sure :) he is very good like that

If i help feel free to click star on my post. cheers

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CapQuest is on there as Default

and so is my catalogue

but I have spoken with the catalogue and I am paying that off, it's not much,

I just missed a payment because my hours had been reduced in work

and my wages weren't so good that month.

They are the only two x

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side note ...catalogue, bet you have lots of PENALTY charges [£12 fees]

get reclaiming them!!

 

what does it say about the crapest debt please?

 

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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side note ...catalogue, bet you have lots of PENALTY charges [£12 fees]

get reclaiming them!!

 

dx

 

Yes I've had £12 penalty charges and will continue to get them if I don't make the payments on time. How do I reclaim them and if I reclaim them will it mean I can't use the catalogue again once my account is up to date?

 

what does it say about the crapest debt please?

 

This is what it says about CapQuest:

 

Name **********

Address ******************* (this was my previous previous address)

Date of birth **/**/****

Account type Bank

Account number *******

Account start date 30/04/1999

Opening balance £ 1,523

Repayment frequency Monthly

Date of default 10/11/2007

Default balance £ 1,523

 

It says the was DEFAULT going back to December 2009 right up to date. There's no other information in this section on CapQuest x

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reclaiming is easy

 

i'd start a new thread in the mail order cat forum

and no they wont close the account

 

as for crapest

so the debt was defaulted in 11/07 so that would have been the oc that did that

and have brought the debt

so their name now shows against 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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Thank you dx100uk, I'll start the thread in the catalogue forum.

 

As for CapQuest,

what should I do now in regards to the letter they have sent me?

Why do you think they are asking me for that information? x

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I'd ignore it. They are trying one last attempt to get it before its statute barred. Remember, you need to think why nobody has been chasing it up for the last few years, and why it has a lot of charges on it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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i sent prove it letters to PAPquest before They couldnt prove it and they asked me when i lived elsewhere and even asked me to send a copy of my driving license and proof of previous address, utility bill etc! just ignore them. totally

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If i help feel free to click star on my post. cheers

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Yep. Exactly what gust said. If they cannot prove it, then they cant send you anything else. Especially demanding info on where you used to live, so they can try and invent fictitious info.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Wow I can't believe they are allowed to be so underhand about things :(

I also cannot remember where I was living in 1999,

I would have to ask friends or family (for those who don't want to read over the whole thread,

I had a brain haemorrhage in Sept 2007 and my long term memory is fried,

my short term memory isn't far behind it either!).

 

 

I shall not respond to the letter and see what (if anything) they come back with next.

Should I inform them when I have moved house of my new address or just ignore them completely?

 

I will keep you updated on any further correspondence from them.

 

Thank you everyone for all your help and advice and guidance on this.

It was really stressing me out (my migraines have come back with a vengence recently)

but following the advice given on this website has made the process so much easier to deal with.

 

 

Thank you all :) xx

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