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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    
    • 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
    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


MARTIN3030
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A company called Fresh Start who I have never had any dealings with constantly calling me at work, despite me asking (and then telling) them several times to remove my details from their register. When I say I will complain they hang up.

LCS (Leeds) constantly sending me POSTCARDS stating that their representative will call at my home, despite an agreement being in place and I havent deviated from it.

Halifax bank who are charging my son an extortionate £5 a day interest for going over his overdraft, which incidently went over his overdraft due to their own charges ! Despite requesting the account and charges be frozen they have ignored his letters and still keep piling on the charges.

 

If anyone can shed any light on where to go or advice on what to do about any of the above (aside the mass complaint) Id be most grateful : )

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LOWELL AND MACKENZIE HALL MADE OVER 2O SEARCHES ON EQUFAX WITH OUT

AUTHORITY.

kEEP THIS GOING LETS HOPE SOME ONE WILL ACTUALLY TAKE NOTICE.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good evening,

 

I can help you out with LCS they are not a firm of Solicitors, the Solicitor who 'uses' this name is a Mr R. Marr, and he is stated to be 'an employee of 1st Credit (Finance) Ltd.

 

A report to the SRA would stop Mr Marr in his tracks and a report to the OFT will do wonders - 1st Credit already on restrictions with OFT!

 

What a load of of hapless clowns.....

 

Best wishes to all as always

 

Dougal

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Name & Registered Office:

FRESH START FINANCIAL MANAGEMENT LTD

SALE POINT 126-150

WASHWAY ROAD

SALE

M33 6AG

Company No. 05437838

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 27/04/2005

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 30/06

Last Accounts Made Up To: 30/06/2010 (FULL)

Next Accounts Due: 31/03/2012

Last Return Made Up To: 27/04/2010

Next Return Due: 25/05/2011

Last Members List: 27/04/2010

Previous Names: Date of change Previous Name 10/12/2008 ADVANCED DEBT SOLUTIONS LIMITED

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I would like to add Arrow Global Ltd to this hall of shame for registering 2 alleged debts....Failed to comply with a CCA request...serious dispute letter sent...and still there 2 X defaults on my credit file without any paperwork what so ever....also the sister company Fairfax Solicitors same as last sentence...wheres my 2 X £1 PO's??? Grr

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Also we can now add Matthew, Arnold and Baldwin LLP solicitors used by a wellknown credit card company. Refusing to obey any laws or guidlelines at all, just issuing threats. About to be the subject of a complaint to the Solicitors Regulation Authority. grrrrrrrrrrrrrrrrrrr!!

 

oilyrag

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cheque centre - I owe them £500 and just cannot pay them back. they ring my employer, they ring me i have wrote to them offering a payment arrangement which thye accepted by text then they took 6 payments in one day of my debit card leaving me totally without even bus fare to get to work. i stopped that card couldnt get the money back and the latest is they have taken two payments of £5 off my sisters card, without authorisation i keep writing to them, they ignore my letters claiming they are not getting them etc. i have told them i want them to take this to court they laugh at me and try the next trick. help someone

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Evening all,

 

Speaking as an ex-policeman I could not agree more : it is blatant theft - the police will act if you approach them properly...I will be pleased to help you if you wish and can tell you how to get someone to take an interest at the police station!

 

Trading Standards and the FSA also need to be told. Note this shower are Licensed by Office of Fair Trading to carry out this business under licence number 0447202. (Not for a lot longer possibly?)

 

You will also need 'good' evidence to support your case....BUT you WILL succeed against them!

 

Best wishes to all

 

Dougal

Edited by Dougal16T
Poor spelling....again!!!
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One problem – where to start

Lots of problems with hostile DCAs who knew full well that accounts where disputed due to

 

Multiple mis selling of Payment Protection Insurance Policies

Breaches of Office of Fair Trading Debt Collection Guidelines

Harassment by 3rd Party Agencies instructed by HBOS

Breaches of Data Protection Act 1998

Breaches of Consumer Credit Act 1974

 

They breached OFT guidelines, via their aggressive collection activities and all have been reported to the regulatory authorities.

 

These are currently the DCAs who have given me trouble:

 

Cap Quest.

1st Credit.

Iqor Recovery.

Apex.

Blair Oliver and Scot (HBoS)

Credit Solutions.

Mercers.

Calders. Nelson Guest Solicitors (for hire)

Cabot.

Moorcroft

Robinson Way

Wescot.

CL Finance.

Reliable Collections (J D Williams)

Sta Graydon

 

I must have missed a few but ...

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Evening all,

 

Speaking as an ex-policeman I could not agree more : it is blatant theft - the police will act if you approach them properly...I will be pleased to help you if you wish and can tell you how to get someone to take an interest at the police station!

 

Trading Standards and the FSA also need to be told. Note this shower are Licensed by Office of Fair Trading to carry out this business under licence number 0447202. (Not for a lot longer possibly?)

 

You will also need 'good' evidence to support your case....BUT you WILL succeed against them!

 

Best wishes to all

 

Dougal

 

Thanks Dougal i am going to call in to make the complaint tomorrow

my sister is furious

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  • 2 weeks later...

Morning all,

 

The important thing to remember is this DO NOT GIVE IN TO ANY THREATS OF ACTION IN ANY FORM - ONLY A COURT CAN ORDER RECOVERY TO SETTLE DISPUTES AND EVEN THEN ONLY WHEN THAT CLAIM IS VALID IN LAW.

'THE MORE YOU STAND UP TO BULLIES THE SMALLER THEY BECOME' -[ My late mother's words not mine - but true nonetheless.]

 

In the meantime compliments of the season to all of my fellow Caggers, and here's to a very busy New Year!

 

Sincere best wishes to all,

 

Dougal

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  • 2 months later...

Scotcall...doorstep visit last night, left me a mobile number to call. Asked him who the debt belonged to "not at liberty to say" asked him what his vague threat of "they want to move it to the next stage" meant "not at liberty to say" He kept insisting I make a CREDIT CARD payment over the phone to prevent "further actions" he couldn't explain... I let him tie himself in knots for ten minutes, then emailed his head office stating the account was in dispute. They have bounced it back...

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I was being pestered by somebody a while ago - could have been Westcotts.

When they ring they say they have to go through identity checks.

I said I wouldn't divulge my personal information over the phone to a complete stranger and they had to verify their identity to me.

After a few calls they stopped calling.

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For two and a half years I have been harassed by Activ Kapital for a CC debt I know nothing about. They have failed to provide a CCA, did send an application form after a year, state they have no obligation to provide a CCA or any financial statement. They don't acknowledge that the application form is not a CCA. I have now written a complaint to the OFT. I understand the OFT issued a warning to them in December about trying to claim money in this manner. I hope they will now have their licence revoked.

pinnate

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I've just looked Aktiv Kapital up. How is it even in the slightest bit possible if these people have no CCA or anything signed ???

 

 

Good morning,

 

Can you explain this comment for our benefit? I must be very dense this morning (situation normal) but I do not see the point that you are making!

 

Kind regards to all

 

Dougal

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No problem. I'd never heard of them before so I looked them up to see what they do and was quite flabbergasted at

1) what they do

2) the scale

3 The number of complaints

and by the looks of things taking on accounts when they know there's no CCA.

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