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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
    • A sinister tactic known as shoulder surfing is on the rise in the UK. Fraudsters are watching unwitting people log in to their mobile banking apps over their shoulder.View the full article
    • 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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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Received a MCOL for a kitten I sold **SETTLED**


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What if the plaintiff doesn't intend to rely on any paperwork from the vet? Presumably the defendant can then claim there's no proof the kitten they sold went near a vet? Vet bills may exist but the claimant does have to show somehow they relate to the kitten in question, no?

 

Indeed. It is difficult to see how they can claim for a bill without providing a copy of the bill. The burden of proof is on the Claimant.

 

Personally I think it is probably better to let the other side come to the hearing with no paperwork, than it is to ask for the paperwork. If there are holes in the Claimant's case it is not the Defendant's job to plug them.

 

If they try to ambush the op at the hearing with new paperwork, after not complying with a clear court order to disclose it in advance, then the op should ask ask the judge to disregard it.

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Personally I think it is probably better to let the other side come to the

hearing with no paperwork, than it is to ask for the paperwork. If there are

holes in the Claimant's case it is not the Defendant's job to plug them.

Absolutely. I was thinking more of them turning up to court with a vet's bill which may, or may not, be specific to the animal in question and my wanting the defendant to be ready for such a game. It needs a full copy of veterinary records and/or a witness statement from the vet to identify the kitten. A bill simply saying x and y treatment for 'Fluffy' won't do.

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hightail, the court/judge should not allow the claimant to "ambush". If they do this, then the OP should request an adjournment to ensure the paperwork is correct.

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You cant introduce undisclosed evidence at the last moment...that disadvantages you the defendant and is against the ethos of the CPR.You would reject it and request time to consider or even it should be allowed.

 

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Andy

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hightail, the court/judge should not allow the claimant to "ambush".

 

My one experience of small claims had the judge allowing the introduction of documents unseen by me. Admittedly this was by the defendant and maybe it was because they didn't have a real defence so it was just let go. It's no hurt to let the OP know their options just in case.

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  • 3 weeks later...

hi is there any updates on this?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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  • 3 months later...

You might want to telephone the court and ask if the opposition has submitted any paperwork eg Witness statement, etc. I think all items that are going to be relied on have to be provided to both the court and the other parties at least 14 days prior to the actual hearing.

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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.

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Has there been an order requiring the parties to serve documents they intend to rely on in court a certain number of days before the hearing? If so, and if you want to use a written statement, you should submit this as per the deadline.

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Has there been an order requiring the parties to serve documents they intend to rely on in court a certain number of days before the hearing? If so, and if you want to use a written statement, you should submit this as per the deadline.

 

The date for exchange of documents should be on the order that notified you of the time date and location of the hearing.

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The date for exchange of documents should be on the order that notified you of the time date and location of the hearing.

 

Otherwise known as the Notice of Allocation:wink:

We could do with some help from you.

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  • 2 weeks later...

Evening all. I phoned the court and no paper work relating to this case has been submitted.. So if they try to submit t at the time of the hearing should I request the judge to disregard it.

 

 

I'm going through a check list for my self. Am I to say that the wife is a stranger in this matter and is not a third party. Mr XXX took legal possession of the kitten after insisting on taking it. He also failed to take out at the time the free pet insurance. He simply rushed the kitten into his basket and left the money on the side

 

 

of cause what ever happens I will post it on here

 

 

court time 2pm.

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attended court today.

This is the preliminary hearing... the hearing before a trial.

 

 

Firstly.Mrs xxx who filed this case was the wrong person doing so...which at the preliminary hearing is not a problem...as the correct paper work get sorted after for the trial date.

 

 

In jest Mrs xxx said the kitten died of a virus.. This is what the vet had said. No paper work was submitted to the courts yet as this is the preliminary hearing. all paper work will me submitted before the trail date.

The judge was not interested in any paper work as he was simply telling the opposite side what they need to do to PROVE I am responsible for the kittens death. A kitten dying of a virus is not MY responsibility. ...its just one of those things with animals. So the OP would need extensive paper work from vets and so forth to prove I was responsible by neglect.. The judge said at this point "I can't see how you will obtain that when the vet said it died of a virus".

If on this basis the OP wants to take it to trail. It would cost them thousands. And all I would pay is the £800 or so that they are claiming for.

He told us both to go out and discuss if we could settle so it doesn't go this far.

 

 

I was happy to do so.

 

 

I agreed to pay them for the kitten back and £100 towards their vet bill.

 

 

she snatched my hand off at this.... as what the judge had said...it would be hard to prove the I was responsible for the kitten dying

 

 

So case closed.

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Glad to see this is over. It must have been very stressful. As long as it was the result you were looking for, then im happy for you :)

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..

 

 

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Busylittle, I am really pleased this is now resolved :)

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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.

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Yes I'm glad it's over. It would have cost her Thousands to take it to a trial...which I didn't know it could/would get that far... I think in all.. this is a lesson for everyone.

The preliminary hearing is not the end of that matter.. there is those of us like myself have no knowledge of the term. And the stages to follow. So it's always best at this stage to consider your options.

I could have been really unkind and said I didn't want to mediate or make a offer and let this case((if she could afford it)) take me to court which will cost her thousands...if I win it would cost me nothing...if I lost it would cost me the claim she was after which was a mearly £800

 

 

I don't feel I won or lost. I feel I did the right thing and gave the money back for the kitten her husband paid for and some extra towards the vet bill...........if she /he would have contacted me prior all this.............I would have done the same. It was only at the court date that I found out the kitten died of a virus..Bless her little kitten sole

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I agree, you did what was best - although I would have left it at just the cost of the kitten. IMHO, I do not think that you were responsible in anyway for any portion of the vet bill.

 

It is very sad indeed that the kitten died, but this was not down to you in anyway.

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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