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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      
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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    
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University of Leeds (Hospital) ANPR PCN -


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POFA Schedule 4 doesn't apply to parking on public roads.

However, you could vaguely mention that POFA has not been complied with and adherence to POFA is a requirement of their own Code of Practice, which must be complied with to enable them to obtain your details from DVLA.

As they haven't followed their own COP, it also amounts to breach of GDPR.

Double whammy.

 

Any other comments guys?

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I'm thinking of what tone to use with them.

Normally we would give a PPC a torrent of abuse to show that we had sussed them as charlatans and were refusing to cooperate.

However, they have been (sort of) reasonable with the reduction.  Maybe best to continue the polite tone for now.

I would keep any reply short & sweet.  As they have already been told, the car was parked on a public road, not in their car park, and they have no right to issue their invoices for cars not parked on their property.  You have checked with the council that the road in question is a public road.  Even if the car had been parked on their property they have not followed the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to transfer liability from the driver to the keeper, the person with advanced Alzheimer's.  Something along those lines.

When you get a minute please post up a new draft based on the various ideas from the regulars.

 

 

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Agreed lookingforinfo.

They’re asserting that the car was parked in their car park.

They’ve come to this conclusion because the ANPR isn’t directly outside the car park it’s positioned on the road leading to the car park, and it captured the car going in and out of that area on the road itself. 


I’m assuming they are defining the whole area as private land and in their ‘orange zone’ but  the main roads are public and any orange zone signs are placed beyond the ANPR cameras. 🤬

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Yes tells them why they are wasting their time, excellent.

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I've had to hide your post with the docx file, but the content is quoted below.

All your personal details are present in docx files, making you easily identifiable.

3 hours ago, Chimichanga said:

Ok drafted a letter. Maybe its a bit too @r$ey? I can try be more polite if you think it's harsh. 😏

Thanks 🙂

 

Dear…

Thank you for your prompt reply and for offering to reduce the invoice amount from £80 to £20.

I am, however, a little confused.

Again from my understanding the car was not parked in the car park but on a public road, on double yellow lines displaying a disabled badge. This is in line with LA rules. It is also my understanding that only the council can issue fines for public roads. Leeds University do not have the right to issue an invoice for a car not parked on their land. I have checked with the council and they confirmed that the road where the vehicle was parked is council adopted and is therefore funded with public funds.

If the car had been parked on your property, in the car park as you allege, it seems that you have not followed the provisions of the Protections of Freedoms Act 2012 in order to transfer liability from the driver (from who you are requesting payment) to the keeper. I stated in my previous email that the Registered Keeper does not and cannot drive due to advanced Alzheimers and vascular dementia. So since we know the keeper was definitely not the driver they are under no obligation to pay this invoice. Due to the nature of their medical condition they are also unable to name one of many possible drivers and, incidentally, under no obligation do so even if they could.

Adherence to the Protection of Freedoms Act 2012 is a requirement of your own code of practice and must be complied with in order to request details from the DVLA.

So again, in light of this information, I would politely request that you cancel the PCN, which I’m sure you can see has been issued in error.

Thank you.

Yours,
xxxxxxx

 

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Oh 🤦🏽‍♀️. Thank you 😬

And todays reply which came minutes after the email was sent!

…The vehicle was captured entering and exiting at the times and date stated on the letter and therefore remained on University land – the point at which they entered/exited is where University land begins.

Once a Parking Charge Notice is issued we request the registered owner details from the DVLA. If the registered owner is not the driver of the vehicle at the time the PCN was issued they can transfer the liability to the driver as stated and provided on the letter. 

In your initial appeal you stated:

The driver of the vehicle was transporting a disabled badge holder to  their hospital appointment and in the absence of any actual disabled parking facilities by the Jubilee Wing sought parking elsewhere. The driver drove to the 'Orange Zone' car park and after reading the sign in the car park saw that they could not park there without an orange zone permit and so left the car park immediately. The driver then parked the car on double yellow lines on the road outside the car park and before all the signage for the orange zone but still within the ANPR monitored area”.

This leads me to believe you spoke to the driver of the vehicle at the time and they did remain on University land and therefore should have paid for their stay.

You also stated:

“Since the driver was not parked in the orange zone or in the car park they assumed usual double yellow lines parking applied for disabled badge holders and left the car parked there displaying the blue badge for the duration of the appointment in Jubilee Wing.

The University of Leeds is privately owned land so this reasoning does not apply. Orange Zone signage specifically states “Vehicles must be parked fully within the confines of a single marked parking bay. There is also a ‘Private Land’ sign at the entrance and refers drivers to check the signage. 

I would like to point out at this stage that although a mistake MAY have been made, the hospital was not deprived of any income for the car park as the car was parked outside of the car park itself”.

Given your statements it has been proven the T&C’s of parking on University land have been breached and therefore this PCN still stands.

If you wish to appeal the PCN then please find the relevant information in my previous email. We will not respond to any further correspondence regarding this PCN.

Pfft! Looks like I’ll be court bound with the poor registered keeper then. 

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The original PCN states that the car was parked for 4 hours 04 minutes. Is there any explanation for how the driver says the car is in one place and the PPC say it was somewhere else please?

I'm just trying to see ways around their arguments, like the rest of the guys here.

HB

Illegitimi non carborundum

 

 

 

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The time of 4hrs and 4 mins is the time between time of entry and time of exit not parking. The PCN also states that ‘by parking within this car park the driver is bound to these terms and conditions’. No car park was parked in! As clearly stated in both emails. 
 

they have not provided the timings for actual parking anywhere. Only time of entry and exit. 

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The elephant in the room which they did not mention was the keeper was not the driver and the PCN is non compliant.

I would write back to them stating that this letter is not an appeal.

The  University of Leeds has been informed that the keeper could not be the driver and the PCN does not comply with the Protection of Freedoms Act  2012.  Ergo the keeper is not liable to pay the PCN.

While  that point was ignored on the appeal,  should they decide to take the matter further and instruct the Court for instance, that will be taken as a breach of keeper GDPR and as that can involve compensation which could be  as much as £2000 where certain types of disability are concerned, is it worth the risk?

 

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Starting to look like we need to treat the university the same was as lll other PPC charlatans.

Looks like to OP has ample ammunition for a court case.

Revert to usual tactics of ignoring until letter of claim?

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Could also add that it will look very bad and rebound on the University Trust and any PPC if the press get hold of the fact they are seeking a CCJ against a Keeper who cannot defend as has no capacity to do so due to Alzheimer's and likely the Guardian, and Telegraph not to mention the Sun and Mirror if they were to send a Letter of Cllaim as there is a cast iron defence to rebut their case anyway, so they should cancel and stop the sillyness now before they end up looking downright stupid petty and nasty.

 

 If they did ignore the letter LFI suggests  Nicky Boy#s suggestion is best way, then kick them into touch with an absolute defence.

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Normally we would say to wait now until a Letter of Claim arrives, but I don't see any harm in taking down the know-it-all who is replying by a peg or two right now.  How about -

Dear XXXXX,

Re: PCN no.XXXXX

thank you for today's mail.

Not one penny of your invoice will be paid.

If you want to take an elderly person who is suffering from advanced Alzheimer's to court who cannot possibly have been the driver, when you have not established keeper liability under the Protection of Freedoms Act 2012 and when the car wasn't even parked on university land - well, go for it!  I'm sure the local and national media would love to do a story on the university.

Given you failure to establish keeper liability any further correspondence with the keeper will be taken as a breach of GDPR and that can involve compensation which could be as much as £2000.

Have a great weekend, XXXXX

Hang on a couple of hours to see if the other regulars pop in, then send it off and ruin this jobsworth's weekend.

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Yes that should do the trick, they can't say they weren't warned that their position is hopeless, as that letter would also be useful in a WS pack if they were stupid, any Judge would see that greed clouded their brain.

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