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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Baines & Ernst now CCCS - many debts


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Could you tell me what law of property act is ?

spuddly:)

Its an often misused ploy by DCAs to atgtempt to circumnavigate (avoid) their responsibilities under the CCA 1074

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I recieved cabots complaint letter to flll in.

why should i complain to them !!

advice please anyone .

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I recieved cabots complaint letter to flll in.

why should i complain to them !!

advice please anyone .

You have to give them an opportunity to explain their behaviour and breaches of the rules, their allegations and threats. They have 40 days to resolve this matter to your satisfaction. When they dont comply you can report them to the FOS

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our service promise

 

Cabot Financial (Europe) Limited has a reputation for providing excellent customer serice and it's a reputation we work hard to maintain. But we also recognise that sometimes things can go wrong. In the event we have made a mistake, or we could have done something better, we will do our best to put this right for you.

This leaflet sets out the steps we take to ensure your complaint is fully considered.

 

tell us if things go wrong

 

step one

 

If any issues arise in the course of your dealings with us, please talk to us and let us know what your concerns are. The chances are things can be resolved quickly by the Collections Team Leader, Collections Manager or another member of staff - so please speak to them early on so any issues can be settled as soon as posible.

 

step two

 

If no one can address your concerns at the first instance, the matter will be referred to the Complaints department. A comlaint in relation to a specific individual shall immediately be referred to the Complaints department.

If you referred your complaint to the Complaints department or we have referred your complaint on to them, you shall receive formal confirmation and acknowledgement of your complaint in writing within 3 business days of receipt of your complaint. We will then look into your complaint and write to you within 10 working days of receiving notice of your complaint. Our letter will set out our understanding of the issue and any proposals for resolving matters which we think are appropriate. If, for any reason, we are still investigating your complaint after 10 working days, we will write and let you know how things are progressing.

 

step three

 

If you are unhappy with our response, we shall pass full details of your complaint to an appropriate manager for final review, unless our "final response" has been issued.

In the event hat we are unable to settle your complaint after an appropriate manager has carried out a final review, we will send to you in writing our final response. We will send you our final response within 8 weeks of receipt of your complaint. Our final response shall provide details on referring your complaint to the Financial Ombudsman Service for an independant review. That service is a free, independant service for consumers with unresolved complaints about financial firms. The decision of the Financial Ombudsman Service will be binding upon us, unless the Court orders otherwise.

 

If your complaint has not been resolved by us after 8 weeks and you have not received our final response, you are entitled to take the matter to the Financial Ombudsman Service without waiting any longer. It is, however, very unusual for investigations to go on this long.

 

Surely there would be a case for the Advertising Standards Agency to check this waffle Why dont Cabot cut out the middle men and let you go directly to the FOS. If their complaints system is anything similar to the way they deal with alleged debtors then you will doubtless end up at the FOS anyway.

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HI

reading through my files on crapbot came across this letter they sent me back in may, it states quite clearly what they have requested from associates..

 

cabotapplicationformadmissionletter.jpg

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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ok update ...

When i came home from work a message to contact citicards was waiting for me...so i phoned and low and behold it was my old credit card company "The Associates" from way back.

Anyway i spoke to a pleasent lady who told me that after sending in a complaint to the FOS about cabot who i have been dealing with so far assured me that my CCA is still available:eek: ?, furthermore she is going to send me out a copy of my T&C whilst they recover my original agreement from archives , this may take a few weeks she added and on that point i reminded her that when i recieve the said agreement i will take it from there.

Probbly start paying again...:Cry:

How did they get my phone number!!!!

 

 

WHY ARE CRAPBOT NOT REFFERING TO THE ASSOCIATES AS CITICARDS!!! IN ANY OF THIER COMMUNICATION??

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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They are the w anchors chasing the debt. They are talkin sh1t if they say they have talked to TS. Just remind them od S 189 of the CCA.

 

This letter is like Crapbot

 

 

full of dung

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did you see it!!

 

"APPLICATION FORM" NOT CREDIT AGREEMENT....:)

THEY HAVENT GOT A FRICKIN TUBE OF GLUE!!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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good evening CAG ers

well i dropped tameside TS a e-mail yesterday regarding you know who?

got my comfirmation today at work on my mble:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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off to TS tameside friday for a proper good natter about CRAPBOT and their practices..:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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CIVIL PROCEDURE RULE ...4.6

 

When a SAR is requested all the details they have on my account should include everything including CCA & T&C and nothing left out after all it is a legal request .

have a look at this i came across (see para 4. 6)

http://www.justice.gov.uk/civil/procrules_fin/pdf/practice_directions/pd_protocol.pdf

thats how i understand it

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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CIVIL PROCEDURE RULE ...4.6

 

When a S.A.R - (Subject Access Request) is requested all the details they have on my account should include everything including CCA & T&C and nothing left out after all it is a legal request .

have a look at this i came across (see para 4. 6)

http://www.justice.gov.uk/civil/procrules_fin/pdf/practice_directions/pd_protocol.pdf

thats how i understand it

 

With all due respect, disclosure under the civil procedure rules (in this case, the pre-action protocols) does not have a great deal to do with a S.A.R.

 

The only case it would apply to a S.A.R. is when you are sending the Data controller a letter before action for failing to comply with a S.A.R. - I would suggest, however, that such an action would be best taken after complaining to the information commisioner.

 

The pre-action protocols deal with when a court action is imminent; A S.A.R. under the data Protection act 1998 operates at all times, but has a greater degree of exempt information.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi

Had a chat with my local Trading standards I pointed out that i had sent for a CCA back in March and still no agreement, she wanted to know why i was requesting the agreement in the first place.

I mentioned i was on a DMP and were coming to the end of all my accounts and wanted to regain control of my finance.

I explained to her the situation as it stands and needed to bring this account to an end.

she called citicards who i now am led to believe have bought the Associates and was given the runaround eventually she selltled on a department who had my account number and would deal with her.

 

(me thinks hearing T/S calling soiled a few undergarments mee self:eek: ).

 

Anyway back to Citicards, she spoke to someone called JOANNE and before they could go any further they needed confirmation from me to allow them to talk to T/S.

T/S said

hello ..i am XXXXX from trading standards can you explain why MR XXXXXXXXX has not yet recieved his CCA as requested and paid for back in march this year .also can you explain who are the four accounts he has in relation to this account untill the the intervention of yourselves does not know if he is paying the correct company.

 

Citicards told her that KINGS HILL NO1 AND CABOT both buy the accounts from citicards (once The Associates) so i should have sent a CCA request to CITICARDS as they own the account??

still confused eh:confused:

 

Citicards told T/S that they have the letter that i sent requesting the CCA but dont know where the £1 cheque is that i sent with the letter.

And it will take them a further 2-3 weeks whilst they find my CCA as they have to send a request internally for some poor sod to GO LOOK IN THE FILES MANUALLY...:eek:

 

Hold on a minute did i not get this respoince when i was on the phone to Citicards a few weeks ago and they said then they were sending me T&C whilst they looked for my CCA.

STILL NOTHING ABOUT THAT.......

Well I think they are running round like headless poultry and cannot find my CCA and are being Total T###s with me.

Tradins standards have given Citicards 2 weeks to come up with the CCA.

If they do not then a nother trip to Trading standards for me:D :D

 

Personally i think itll take them that long to stop slipping in all the BULL poop on the floor :rolleyes:

  • Haha 1

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

Had a chat with my local Trading standards I pointed out that i had sent for a CCA back in March and still no agreement, she wanted to know why i was requesting the agreement in the first place.

I mentioned i was on a DMP and were coming to the end of all my accounts and wanted to regain control of my finance.

I explained to her the situation as it stands and needed to bring this account to an end.

she called citicards who i now am led to believe have bought the Associates and was given the runaround eventually she selltled on a department who had my account number and would deal with her.

 

(me thinks hearing T/S calling soiled a few undergarments mee self:eek: ).

 

Anyway back to Citicards, she spoke to someone called JOANNE and before they could go any further they needed confirmation from me to allow them to talk to T/S.

T/S said

hello ..i am XXXXX from trading standards can you explain why MR XXXXXXXXX has not yet recieved his CCA as requested and paid for back in march this year .also can you explain who are the four accounts he has in relation to this account untill the the intervention of yourselves does not know if he is paying the correct company.

 

Citicards told her that KINGS HILL NO1 AND CABOT both buy the accounts from citicards (once The Associates) so i should have sent a CCA request to CITICARDS as they own the account??

still confused eh:confused:

 

Citicards told T/S that they have the letter that i sent requesting the CCA but dont know where the £1 cheque is that i sent with the letter.

And it will take them a further 2-3 weeks whilst they find my CCA as they have to send a request internally for some poor sod to GO LOOK IN THE FILES MANUALLY...:eek:

 

Hold on a minute did i not get this respoince when i was on the phone to Citicards a few weeks ago and they said then they were sending me T&C whilst they looked for my CCA.

STILL NOTHING ABOUT THAT.......

Well I think they are running round like headless poultry and cannot find my CCA and are being Total T###s with me.

Tradins standards have given Citicards 2 weeks to come up with the CCA.

If they do not then a nother trip to Trading standards for me:D :D

 

Personally i think itll take them that long to stop slipping in all the BULL poop on the floor :rolleyes:

Oh to be a fly on the wall in Sh!ttycards office. Hopefully Trading Standards will take it all the way with this **** and prosecute their asses for non compliance with your CCA

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A point of interest TS came out with, I should contact cabot myself in two weeks and then followup with a letter ?

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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