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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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bbc iplayer'loophole' to be closed


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how about the beeb going something like the 'public service' channel 4, getting its revenue from advertising etc only, but with a public (statutory) remit?

(the beeb already gets some revenue from advertising eg worldservice which it reinvests?)

 

maybe there is some merit in the proposals. it cld be seen a bit unfair that progs etc paid for by licence payers are available to all (albeit not 'live'). what do you think?

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You pay for extremely worthwhile (far more so than the BBC in my opinion) viewing.

... But ignore that one if you wish and look at all the other pay to view TV/streaming sites including the others mentioned

- there are very very many, most of them with nothing like the BBC budget or government backing that the BBC has (ie search warrants specifically included in law).

Or are you unaware of them? I mentioned a few of the larger ones.

Even making the BBC subscription like some porno channels wouldm't be hard (sic) or expensive. A dirt cheap little box or TV slot plugin.

What about all the scrambled channels from satellite systems?

Its dead easy and very cheap (relatively) to implement.

The BBC don't want it of course because very few would likely pay - the BBC would be bankrupt in a month.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Here you go then Conniff

http://bbcstreams.com/donate

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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I most definitely wouldn't have any of my money going abroad. They have had enough over the centuries and not a single thing has been done with that money to help the people, so sod that.

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Really?

What make is the TV you watch the BBC on then?

or the laptop/phone/tablet you use to access here?

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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I am confused how they will enforce it

 

So will you need to register to watch Iplayer and if so whats to stop me registering using the details of someone who has a licence ?

Will the wicked witch that is Teresa May include in her snoopers charter the ability for the BBC to demand that ISP's report anyone streaming Iplayer ?

 

What about if someone hijacks your wifi and streams Iplayer -would you then be liable , for example I provided my neighbour with my Wifi access because I have fibre and I am rarely at home so no loss to me ( I pay for unlimited downloads so that when I am at home I can do what i want without any worries and there are many perfectly legal sites that use a lot of data, hell downloading Win 10 is a big file

 

I think this is a case of the Tories acting without thinking -no there's a shock

 

I wonder where the £100Million figure comes from, is that the number of unlicensed homes ?

Any opinion I give is from personal experience .

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Without going into detail - All those issues are the same sort of issues all pay stream services have and have overcome - else they wouldn't be in business, and as i said - they dont have the support of the government that the BBC does.

Sky, VM, netflicks, adult channel, TGC, etc etc etc

From the figures I looked at

Costs for chasing non-payers runs at about £18-20M

Revenue to BBC from the courts is about £13M

and Fines to courts (it is a criminal offense) equates to about £18M

So the courts make from the 'policing' actions

The BBC actually runs at a loss in that area, but given the deterrent value its probably well worth it to them

You are still liable for accesses your neighbour makes via the access you have given him/her, Its part of the terms of your internet access, and would undoubtedly be part of the terms of access to the BBC if it was set up that way.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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  • 4 weeks later...

I wouldn't take too much notice of TV Licencing's own website. Like their bluff letters it is designed to scare the public into submission by misrepresenting their own powers and technical ability. Note, for example, that all information about detection vans is withheld. That's because they don't want you to know that they do not work and certainly cannot be used as the sole evidence for a prosecution.

 

All you need do is not answer the door; if you accidentally do open it, shut it in their face without conversation. They cannot prosecute anyone without gaining entry (or an admission). A search warrant will not be granted without reasonable evidence of an offence, which they cannot obtain without entry so they're stuffed. Simply not having a licence is not regarded by the courts as reasonable evidence to grant a search warrant.

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If they make every adult pay the for the BBC,

Then everybody can pay my water tax, council tax, and car insurance for starters.

 

Everybody needs water

Everybody uses something paid for by the council tax

... and anyone can watch me driving my car on the public roads

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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From the Telegraph..

 

Viewers of other catch-up services, such as 4oD and ITV Player, will not be required to purchase a TV Licence as long as they don't watch or record live TV, the Department for Culture, Media and Sport confirmed to Telegraph Money today.

Martin Lewis, founder of MoneySavingExpert.com, said: "This is the first time that there has been a differentiation between the BBC and other networks. We’ve seen a massive move towards people watching TV online only, to avoid the subscription fee.

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Unlikely BBC will ever prevent the iplayer from being free. It lost the new generation long ago. I'm not young but even I use youtube for most of my 'TV'. Most BBC stuff is recycled rubbish that wasn't ever any good. You can bet somewhere on youtube you can find a lot of decent stuff. A lot of stuff gets taken down due to copyright, but it's often put back up again under disguised names. BBC knows it's basically reliant on Brits charity to pay the fee out of tradition & in many cases young peoples ignorance. Put any more pressure on the already tightly squeezed & BBC know its days will be numbered all the sooner.

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BBC will have to go down the advertisement route, same as any commercial company. There are too many ways for people to access TV and i don't think a subscription service would work.

 

If the government want to continue the public funding of the BBC, instead of a licence fee collected in the current way, they should look at other options. If they made it compulsory to have a licence to own a TV set or any device that can receive TV progs, that would be one way. They could add a fee to Electricity bills, which one country does at the moment, as a way of collecting. They could fund the BBC out of general taxation with a slight income tax increase and scrap the licence fee. They could apply a different VAT rate on all electrical appliance purchases, which goes towards subsidising broadcasting, as well as paying towards recycling costs of electrical products which are sent by household to refuse sites.

 

My bet is that within 10 years the current licence fee won't exist and there will be a different funding model for broadcasting.

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If the government want to continue the public funding of the BBC,

 

The real question is do the public want to keep funding a self-serving, high management wage paying, pedophile protecting change resisting organisation, for a handful of quality programs and a huge raft of crap.

(+ send money into the coffers of the license fee collecting bully-boys)

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Without going into detail - All those issues are the same sort of issues all pay stream services have and have overcome

All it takes with Netflix is a login and password with one subscription often shared by family members in different households. Isn't this exactly the opposite to what a TV licence entitles you to do?

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  • 1 month later...

Looks like an interim move to me to get people used to real change in the BBC

I think the half time review will be interesting, lts 'result is almost certainly known already, especially if the Tories get in again (never underestimate the foibles of the voting masses, or the marksman like foot shooting abilities of Labour).

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Well then we have this >> https://en.wikipedia.org/wiki/BBC_America

 

 

So what happens if you watch TV through a 3rd party provider (SKY VIRGIN and the like?) Do you need a license then? A 3rd party like FILMON which is free and it shows live TV but this is delayed because it has to go through several online servers? What are the rules about this?

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Why not allow BBC to have some advertising slots during peak time programmes ? Given the audience numbers, i suspect adverts near to programmes like Eastenders would come at a premium.

 

Also why not allow BBC to include adverts on i-player programmes ?

 

Given that experts are saying that most TV stations will move to becoming computer apps within 10 years, it might make TV licencing a bit difficult to maintain. It is envitable that the BBC will have to move to a finance model that includes a lot more advertising.

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as well as the licence fee?

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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