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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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CEL ANPR PCN - 1min over 30mins allowed - APPEALED - IBIS Hotel Enstone Court Wellingborough NN8 2DR


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I am a licensed Hackney carriage driver and operate and drive a wheelchair accessible taxi.

On Christmas Day, I was booked to collect a disabled person in her wheelchair.

I parked outside the reception with my ramps out.

I went to reception and explained who I was and the reason.

The passenger who is disabled eventually pushed herself to the reception in her wheelchair

and I wheeled her into my taxi and left.

The receptionist never told me that I had 30 minutes before I would be fined.

I have received my 3rd letter from CEL, threatening Court action.

I understand that I was less then one minute over the 30 minute "free" period as is permitted in their car park.

I was under the arch outside reception the whole time.

I have read that I should ignore these demands

but would like clarification please as I don't want to get a CCJ over this.

Thanks.

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You haven't been fined. It's a speculative invoice. You also won't get a ccj for this at all. Sit tight, relax and the regulars will be around soon

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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Please follow the link at the word – ignore.

 

The best thing you can do is write them one letter, telling the situation and that you don't propose to pay them anything and that if they want you happy to see them in court.

 

Tell them that if they do decide to force you into court, you will make sure that there is publicity which will bring their already disreputable industry further into disrepute.

 

Tell them that you won't have any more correspondence with them until you receive the claim form.

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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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CEL are a bunch of crooks (not just my opinion but that of Trading Standards, the CPS some judges and most of their one time customers) they may well continue to chase you.

Do you have any of the letters you received in the first place, especially the NTK they should have sent you within 14 days of the event as they are notorious for not sending these out in time. If you have let us know and we will tell you what to do if they start getting stroppy.

Ultimately the Equalities Act may well be your friend here and Ibis should have got this cancelled, but as I said CEL aren't honest so they may well have ignored their employers anyway.

It is not too late to ask Ibis to intervene but look out the letters and NTK first and tell us about that and then we can tell you the next step.

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Thank you for your reply.

I have attached the 2nd and 3rd communications from CEL.

The first is at my sons' house and I am endeavouring to get it tonight.

I noticed that the PCN date on PCN "reminder"(pcn2 attached) states that the PCN issue date was the 22/1/16.

My "offence" was Christmas Day so counting the 14 working days I understand which they should have sent this would be the 16th or 17th of January.

Assuming the PCN issue date on the form which my son has is also 22/1/16 am I correct in assuming that they are outside the time limit? I was done by ANPR, not a windscreen ticket.

I went to the Ibis hotel today and the manager said that as it had been escalated to "legal services" he could not cancel it.

Apparently there is an option on his computer at the hotel which allows him to do this if before legal services are involved.

He said that typing in my PCN number nothing came up which means that i have to contact CEL. He also asked me for proof of the passenger. I only have the Ibis and the house where I took her over the Xmas period.

I went there today, but although the houseowner remembered me she didn't want to give me the name of her friend.

This lady is in her 80s so I presume that she was worried

She did take my name and the name of the manager at the Ibis and said that she will ring her friend but due to her health she couldn't guarantee that she would ring the Ibis.

Hoping for the best regarding her.

Thanks everybody for your help.

Just a quick note-The date on the 1st PCN was the same as the reminder. I have calculated the 14 working days like this:

Offence 25/12/15. The 14 working days would be as follows (xmas holiday remember) 28,29,30 of December.Then to January 4,5,6,7,8,11.12.13.14.15,18,

The PCN issue date was 22/1/16 so I understand that they were too late with the PCN?

Any comments will be most welcomed.

 

 

2016-04-11 cel OUTSTANDING dEBT £140.pdf 2016-01-22 CEL final reminder for PCN 201512-25.pdf

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Usual CEL,

they get it wrong and ignore the law but chanced their arm to con you out of money anyway.

 

 

Note they have also bumped up the amount they are asking for without reason as well.

They do sue people and then add another few hundred quid to the bill for no reason

either but they lose EVERY defended claim and have seen the inside of a criminal courtroom but it doesnt put them off.

 

If you want to respond

just a short note saying that

"they have not created a keeper liability under the POFA so are invited to go ...themselves.

Any legal action will be vigourously resisted and a full costs order sought as the claim is clearly vex"

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  • 1 month later...

I responded to CEL with the letter and as i did not hear from them I assumed they had stopped harassing me.

But I have now received this

I intend to write one letter, similar to the CEL letter which I sent them as advised in an earlier in a thread,

asking for a breakdown if they intend to go ahead with Court.

Would this be the best thing to do ?

Thanks to everyone for your help.

 

 

2016-05-17 ZZPS.pdf appeal.pdf

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you were unwise to send the lengthy and mostly irrelevent letter you did

but getting a demand from a toothless debt collector is nothing to worry about.

You can use it as lining for your budgie cage but whatever you do dont respond to it.

 

You must understand something,

they dont have to give a breakdown,

that was the main decision of the Beavis,

 

 

the company only has to make a charge that is "not unconscionable" and that £100 is not unreasonable.

 

If you had stuck to the short foff letter to CEL they would have realised that you knew they were trying their luck

but now they have you down as a possible source of income so dont encourage them any more..

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The do have to show its "not unconscionable", not unreasonable AND commercially justifiable which is dependant on the situation in the specific car park in question.

The Consumer Rights Act 2015 adds another hurdle to their claim which wasn't part of the UTCCR. Charges under the CRA "grey" list now have to be proportionate.

1. is the £100 proportionate to what the council charge for penalty charges in the nearby car parks eg is £100 proportionate to £50? - I don't think so

2. in a pay & display is the £100 proportionate to £3 that should have been paid by a driver and wasn't? - I don't think so

definition of proportionate

correct or suitable in size, amount, or degree when considered in relation to something else

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Hi

Please forgive me if I am confused but on the reminder letter it says:

date of offence 25/12/2015 and PCN issue date of 22/01/2016

I am assuming this was an ANPR ticket (nothing attached to the windscreen) and as such they are out of time.

They had 14 days to contact the keeper for the drivers details.

Also, they haven't allowed a grace period and ignored the fact that your passenger was disabled.

I would love them going to court with this but I suspect they won't bother and all they will do is send more letters. Muppets!

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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The supreme court made it very clear that in the case they were looking at you were agreeing to a contractual charge by parking in a manner that created a separate contract to the one on the P&D and that the signage was clear about this.

They also said that their decision trumped the CRA 2015 and even parliament could not undo this decision without primary legislation.

HOWEVER, that does not mean that the same applies in all cases BUT I would avoid any argument that looks at the parking co's costs as they will think that they are onto a winner as they are more likely to defeat that particular thread than they are when you say they dont have the right to claim against the keeper for example and can prove it.

Silverfox makes the point clear about this and that is why I say that you cease any further communication as it will only be used against you and will encourage them to try their luck

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  • dx100uk changed the title to CEL/IBIS PCN - 1min over 30mins allowed -
  • dx100uk changed the title to CEL ANPR PCN - 1min over 30mins allowed - APPEALED - IBIS Hotel Enstone Court Wellingborough NN8 2DR
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