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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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Claiming beyond 6 yrs - important new information!!!


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Barclays, thanks bong and zootscoot need to do this tommorow if poss.

 

I was mainly thinking that they would only give new statments close to the forty days and maybe this will be very close to court, also can i add them to my cliam once i have started court proceedings (this could be worth another £2000 or more.)

 

Will be using mcol.

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that's good then, barclays should give you 12 years of statements if your account was open that long. My advice would be to await the statements and then send a revised LBA.

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Thank you bong. Do you know if it is possible that they may be able to wriggle out of things in any way in the near future as i really cant afford to loose the £2425 (unemployed at the mo) if not probable, thanks a lot for helping me kick some NEW WORLD ORDER ARSE.

 

Also do i just send a new request for all statments using the template, as they have already sent me six years.

 

sorry for being a pest but thats all i need to know for now.

 

thank you muchly

 

Delphi

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although zootscoot, its potentially harder to claim only +6 year charges because there is the risk the judge will strike out the claim without hearing the charges issue.

 

True bong, but it will have to be put to the test by people like myself who have claims made up entirely of pre-six year charges!:(

 

Els

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I was mainly thinking that they would only give new statments close to the forty days and maybe this will be very close to court, also can i add them to my cliam once i have started court proceedings (this could be worth another £2000 or more.)

 

 

 

You don't need to give them another 40 days. Simply send the non compliance letter for the SAR. They are obliged to send you all info they hold on you under a SAR not just the last 6 yrs. If this is all they have sent they have not fully complied with your original.

 

I am a bit dubious about this as sooner or later some kind of cap will be put on things

No remember you are suing them. You decide where the cap is not them. Its you in the driving seat.

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Hello everyone,,,,,,,I can't stop reading this......brilliant!

 

I just called Natwest customer services and they told me they wouldn't be able to trace anything without my old (closed account) account number, which I haven't got.........that can't be right, can it? So how would I get that then if they can't give it to me.......it was approx 10 years ago so would that be a problem?

 

Can anybody advise me please? I'm determined to get back what they took from me, was a fortune in charges and they really showed me no mercy whatsoever,,,,,would be so good if I could claim them charges back,,,

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Hello everyone,,,,,,,I can't stop reading this......brilliant!

 

I just called Natwest customer services and they told me they wouldn't be able to trace anything without my old (closed account) account number, which I haven't got.........that can't be right, can it? So how would I get that then if they can't give it to me.......it was approx 10 years ago so would that be a problem?

 

Can anybody advise me please? I'm determined to get back what they took from me, was a fortune in charges and they really showed me no mercy whatsoever,,,,,would be so good if I could claim them charges back,,,

 

Go into your local branch and request it there. I did this for HSBC account and they were able to give me account number sort code and crdit card and loan info

 

HTH

 

Tanz

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Unless you have the account number, I would send a SAR and ask for absolutely everything you can think of - no account number on it as the SAR should be for ALL information they hold on you...period.

Any copies of information includin telephone call transcripts, any legal action past or present regarding the account, and disclosures to third parties in relation to it, etc.

 

I think it's porbable they do have your info, but are hoping they can dissaude you from pushing it out of them!

 

Did you ever have another account that you may have either transfered to or received a transfer from this account... if so, there may be a record of an account number on that accounts statements.

 

Did you ever make a purchase with a debit card/cheque from this account for anything that you could request statements for?

 

Good luck

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Unless you have the account number, I would send a SAR and ask for absolutely everything you can think of - no account number on it as the SAR should be for ALL information they hold on you...period. If you want all the info then you need to amend the site template to reflect this imho.

Any copies of information includin telephone call transcripts, any legal action past or present regarding the account, and disclosures to third parties in relation to it, etc.

 

I think it's porbable they do have your info, but are hoping they can dissaude you from pushing it out of them!

 

Did you ever have another account that you may have either transfered to or received a transfer from this account... if so, there may be a record of an account number on that accounts statements.

 

Did you ever make a purchase with a debit card/cheque from this account for anything that you could request statements for?

 

Good luck

 

Perseus

 

when you send a SAR without the account number, make sure you give them suifficient info to indetify you related to when the account was last operated.

 

Its also wise to include a recent utlitiy bill or something similar. the DPA gives them the right to not comply until they have satified themselves that you are who yuo say you are.

 

You should of course ask for it back.

 

HSBC asked me to go to one of their branches with my passport of driving licence to prove who i was.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

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MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I currently have a small claims action beyond 6 years against HBOS.

They lodged a defence that the claim was time barred. At the recent third hearing HBOS failed to attend. The Sheriff said legally he was required to allow them the chance to defend the action as they had previously lodged a defence. The hearing is set for the 14 May

Can you keep me updated on this one 7givenchy I have a friend who is a solicitor and is willing to take it on, so let me know how you get on, many thanks.

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Hi everybody I am a newie to the forum. After reading alot of your comments I am very angry:mad: at the way we have all been treated by 'our' banks. I will give a brief outline of my situation. In 1999 my husband and I cancelled some direct debits on our current act. The following month we received our statement detailing bank charges for these direct debits - they had not been cancelled by the branch. The bank did not refund charges and took us both to court. A judgement was entered against us for 6 years. The manager of the branch did tell us that the error had been made by her member of staff. She had cancelled direct debits on front screen but not on the back screen!! We disputed these charges but bank still went ahead with court action. In 2003 I applied for my credit file and noticed that the judgement was still unsatisfied when in actual fact we paid the judgement amount in 2000. I was lead to believe that if you pay up the judgement amount it would look better on our file than if we did not, even though we had disputed the amount. The court ruled and that was that!! The bank looked into our complaint of the unsatisfied judgement and changed the information straight away. I really do feel we were bullied by the bank from the start with their heavy bully boy tactics. We had done nothing wrong with our account and yet they were able to penalise us for 6 years. Even to this day they will not allow my husband a cheque book on his account. I am today faxing a strong letter of complaint to them. If only I had of know back then what I now know about the banks and their charges I would have fought them even harder.

Thank you for reading my moaning message :) here's a smile to say thanks!

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I filed against my bank last year for the full period since I opened the account in '97. Naturally they only supplied copy statements for the last six years, so I estimated the previous three years at £500 each and claimed for those amounts plus interest.

As you might expect, their defence sought to bar penalty fees outside the six year 'limit' (which is of course in itself a false limitation), however my view was and is that the Limitation Act timelines commence when the unlawful activity was discovered, not when it was perpetrated.

Furthermore they disputed my £1500 estimate, and had gone to great trouble in calculating what they thought the amounts for those 'lost' years should be. The simple response to this of course is that I recalled that the fees were around or even above that level, but that I would be very happy to alter the estimate to the correct amount as soon as they produce the statements. In the absence of documentary evidence, the court is more likely to believe your account of the estimate. It may be, for example, that you specifically recall a difficult period in your life at that time when you were getting several charges per day.

In my case they not only paid the whole claim in full (inc. the full £1500 estimation), but paid an extra +£1000 above the claim for my additional expenses, just a couple of days before Mercantile Court. Shame - I was looking forward to getting up in the High Court after all those boring ones in Lambeth County Court!

So don't hesitate in pursuing those +6yr penalties plus interest - I have yet to hear of anyone failing to recover these (assuming they've followed the process correctly). And don't let them put you off near the end - while it's tempting to take the part settlement, it's much more satisfying to go the distance and get ALL your money back.

Thanks again to everyone here for the ongoing help and advice. This site is a fantastic resource, and continues to throw up more and more useful information.

P.S. The information regarding Barclays keeping customer statements for 12 years is crucial - can someone provide a cite for that? And while I note that an earlier poster said they expected a bonfire soon at Barclays, it is a criminal offence for them to destroy documents they are reasonably aware may be required in evidence. No-one would dare order such a bonfire, and if they did they'd go to jail for something like perverting the course of justice or something similar.

'When are we going on holiday, Daddy?'

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I rang the Halifax today about my statements. They told me they hold them from the opening date of the account and are sending me a full set. Im tempted to go for the whole lot, Im just a bit unsure as its a bit untested and I dont want to end up being greedy and not getting any back.

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Any news crusty git? I'm in court on the 25th of April against Lloyds

Purple X:)

26/09 Prelim contractual Interest

11/10 LBA

30/10 Filed N1

03/11 Deemed served

23/11 Offer Made

Lloyds TSB

Purple v Lloyds TSB

08/09 ordered statements.

23/09 Statements Received.

26/09 Prelim

03/10 Received standard response

11/10 LBA

30/10 Filed N1

03/11 Deemed served

08/11 Acknowledgement

24/11 AQ Received

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Any news crusty git? I'm in court on the 25th of April against Lloyds

 

Purple X:-)

26/09 Prelim contractual Interest

11/10 LBA

30/10 Filed N1

03/11 Deemed served

23/11 Offer Made

Lloyds TSB

Purple v Lloyds TSB

08/09 ordered statements.

23/09 Statements Received.

26/09 Prelim

03/10 Received standard response

11/10 LBA

30/10 Filed N1

03/11 Deemed served

08/11 Acknowledgement

24/11 AQ Received

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I'm in the same position as Keez. In November, I was trying to start making some repayment to start clearing my closed (I asked for the account to be closed as I was just accruing charges) Natwest loan and current account and offered them £50. I also requested a breakdown of charges.

 

At the end of November I travelled out of the coutry and only got back to find a CCJ in favour of Natwest for the sum of £12k! (I wasn't around to defend the claim)......What in the world do I do as I made quite a lot of effort to sort the debt out!!

 

HELP!!

 

 

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