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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      
    • 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
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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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CEL ANPR PCN PAPLOC now claimform - Morrisons, Butterfly Walk Car Park Denmark Hill Camberwell, London SE5 8RW***Claim Dismissed***


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There must be a term in English that combines "doing superb detective work" with "lazing on the beach".

Anyway, Nick is right.  Para 28 - "... on 22 April 2019 and I can confirm that these were all in place on the date in question and remain in place to date".

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The claimants statement under clause 28 reads: 'The photographs provided were taken on 22 April 2019 and I can confirm that these were all in place on the date in question and remain in place to date

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So alongside the photos having the same dodgy timestamp it brings into question all the claims about his so called,  "photographic evidence".

He should really be made to attend the hearing, but we know it won't happen.

Barrister, schmarrister!

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15 hours ago, FTMDave said:

There must be a term in English that combines "doing superb detective work" with "lazing on the beach".

I think that the TV program 'Death in Paradise' sums it up! or on the Island of Saint Marie 'Mort au Paradis'

😀

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My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

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If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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  • AndyOrch changed the title to CEL ANPR PCN PAPLOC now claimform - Morrisons, Butterfly Walk Car Park Denmark Hill Camberwell, London SE5 8RW***Claim Dismissed***

Well done topic title amended.

 

Andy

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:cheer2:

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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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Ok, for you that want to know more detail.....

The judge kept things simple. And different to what I'd expected.

Claimant was represented by another company who have no affiliation to CEL (I introduced myself to them before the case and asked for their name). They indicated in Court that I had overstayed the time and were liable.

I then made comments on both my witness statement and the claimants, citing all the feedback from CAG.

The judge asked the Claimant representative about their witness statement. He asked if p35 was a list of registrations who had paid which was answered as yes. He referred to p31 where the Morrisons car park voucher was stated and crossed referenced p29 where it was written that I had paid for a ticket. He confirmed on a few occasions that the defendant had paid.

{The eyeopener}. The Judge then stated that there was nowhere in their WS where the amount paid was noted and referred to p35 where this could have possibly been shown. The WS report says the time is overstayed but without any supporting evidence of the actual payment.

He advised at this point to the Claimant that he had ruled on many car parking cases over his tenure.

The Claimants representative then advised that the Defendant should have produced a bank statement to show the actual payment charge. The Judge was quick to point out that the machine did not have a contactless pay facility and that payment was only by cash/coins. (he got there before me!)

They then said I should have paid for 2 hours at £4.50 not the £2 on the receipt, thereby identifying the cost being underpaid. When the judge asked for any comment from myself I referred to my photographs on p14 (actually theirs also condemns them) and stated that the wording shows that the Morrisons voucher was 'capped' at £2. I now believe he was looking at their old sign on p13 of their WS (which states exactly the same wording).

He noted that as the Claimant was not in the court (being represented only) they could not respond to any of his questions.

I have since realised that all the questions and clarification points the Judge had, were all raised through the Claimants WS. I do not believe that he referred to mine specifically. I assume this is more damning and he could make judgement on that alone.

After a short pause he dismissed the case. District Judge OmoRegie.

I left. Happy.

 

ps As the signs at Morrisons have now been fully changed (and appear better linked up - post #223) I don't think the same arguments can be used for others in a similar position going forward.

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Well done you That judge was bang on point with a surgical dissection of their WS he will have used your WS to ground his forensic examinationof their bull poop.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Thanks for your report back.

I didn't expect that either.  I expected that judgement would revolve around the fact that all the signs showed ABC instead of CEL.

Seems like you got an excellent judge who had read CEL's WS in detail and realised it was rubbish - and that was enough to chuck out the claim.

Well done the judge for making the Claimant suffer the consequences of not turning up in court as well.

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I am really happy you got the result you wanted.

We never know what kind of Judge will look at your case so we have to cover all eventualities.

Your Judge concentrated on one aspect while another may have looked in a different direction.

Both ways should still have given you the same result.

 

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16 hours ago, jk2054 said:

did you get your £275 back for the application to reinstate your defence since you "won" your cases

I was so content when the Judge dismissed the claim I didn't think to enquire or ask. He didn't mention anything.

Reinstatement cost me about £108 but the countless hours and this claim hanging around for 3 years was far more concern.

Do you know if I officially get a written copy of the outcome from the Court? I'm looking to buy the picture frame as we speak!

Never been in a courtroom before so didn't know the drill.

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14 minutes ago, jk2054 said:

Yes you willl in around a weeks time I’d say

Really ?  When was that introduced ?

 

Andy

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You've always been sent a paper copy of the order of a small claims hearing what do you mean when was it introduced?

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I've never seen or been aware of a Notice of Claim Dismissed or aware of a Defendant receiving one, the claimant possibly ......yes if the claim was struck out for none compliance by either party. 

Storyboard please upload and post here when in receipt then the forum will have its first since 2006.

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Yes they will be sent one by the court office.

The judges order will get typed up and sent to both parties. This normally takes 1-2 weeks

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Every days a school day :-D we await Storyboards Notice of Claim Dismissed ...even though its not the defendants claim.

We could do with some help from you.

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