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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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No PPI..credit limit was 14,300 so 2000 of intrest and charges..Account was from 2001 so fairly oddish ..they can make me BR if they want ..I have nothing to give..Maybe I should ask them :)

 

Odd indeed on this large amount one must seriously consider WHY no punitive action has been taken after all this time.

 

A SAR to n Halifax is my advice at this stage.

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I have merged two threads together.. as it is the same companies, it is best to stay with one thread that way people advising have the entire story in one go.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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Halifax will have 40 calendar days to comply with a SAR request.

 

You could write to 1st credit along the lines of, you are concerned that the information you have been supplied with is insufficient and have contacted Halifax to provide this information. You would hope that 1st credit will put any actions on hold until such times as Halifax have responded to you.

 

If I understand things correctly, 1st credit have been in possession of this account since last year ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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Yep 1st cred have had the account for a year now..Ive already drafted a email but will add on what you have put Citizen,,

 

Thank you very much :) ..And thanks for merging I forgot I started the other ..Aving a blonde moment even tho Im not blonde :)

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this has been going on since 2008

 

if anyone were to do anything

it would have been done by now.

 

sev threads merged.

 

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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they haven't till now

 

surely the sb date must be very very near.

 

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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I think you've played enough letter tennis.

 

could be why they keep trying.

 

they think a mug awaits

 

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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Ohh trust me DX they aint getting a penny with what they have produced :)..Im sending one more letter and thats it..Telling them I dont give any kind of money to any person or organization unless they can legal prove they are allowed to collect,,and with the documents you sent you havent..I did get a 40% discount letter of Halifax before it was sold ..that speaks volumes I guess

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  • 2 weeks later...

UPDATE

 

This is what I received of 1st Credit today .

 

I told them not happy with the CCA/application.

..not enough statements to see how they got the figure

,,Told them Im in touch with Halifax to get documents as I find theirs insufficient..

 

Your comments regarding the legibility of the agreement have been noted and we have reverted to the Halifax for their comments.

 

I have reverted to our in house solicitor regarding your comments that there should be a reference to the terms and conditions being overleaf;

whilst we do not agree with your comments, you are entitled to your opinion.

 

Please be aware the bank is only obliged to hold statements for a period of 6 years,

therefore we would not expect the bank to provide us with statements from 2001 nor are they obliged to send us any.

 

Thank you for informing us that you have contacted the Halifax, the account will remain on hold in the interim

and I look forward to hearing from you with an update within 30 days,

should you require more time to resolve your concerns with the Halifax please inform me of this and I will try to accommodate your request.

 

Yours sincerely

 

 

ANY THOUGHTS on this?? .

 

.I told them they would need original docs if they were to issue

..they have had plenty of time to issue

..but still dont.

.I dont mind playing letter tennis..

.This becomes SB in Feb 14

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  • 1 month later...

UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

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think you might be right!

 

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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OK..Maybe why nothing has happened..I will continue to be in touch with my comments and concerns with 1st credit..Hopefully we can play letter pingpong till its SB in March 2014..Dont want to not answer has someone else on cag Ignored letters and was then issued a summons

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UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

 

There is no obligation for a creditor to supply a the agreement with a SAR, any DN would likely be a 'generic' copy of what you would have received.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes I know I read that before.

..So why would Halfax say if I want a copy of the CCA I would have to follow their procedure to get it

..But send a Copy/App...

 

.Its seems to me they havent sent the CCA because I havent asked for it the way they want me too...

 

The App may have the T and Cs on the reverse but if they were there was no indication they were,,

They look leaflet form.

.And I cant read them even with reading glasses on :)...

 

This has benn going on since 2008..

 

There must be something wrong some where otherwise why no summons..also the DN is invalid

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It's a standard (editable) template letter, e.g. enter name here......: type with generic content.

 

If all the Ts & Cs and any amendments are not supplied or are illegible then even as 'a reconstituted' agreement the document does not comply with a sect. 77/78 request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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On one of the print out it QUOTES .....Unenforcable Agreement.

.You advised

..buy back decline

..copy is legible and enforcable.

 

.Please see attached document from the OFT regarding plain English guidence and consumer rights.

 

WE consider this to be a bad photo copy therefore provide a true copy or Repurchase..

..reply

..Declined

..historic Tand Cs re ordered..

 

It seems as tho 1st credit we saying it was unEnforc and wanted Halifax to buy back the debt

but they keep saying no and saying that the Tand Cs are readable but slightly blurred

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