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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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    • 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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NAT WEST will not return my PPI


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Thanks Hell

 

The letter does not look or read right to me.

 

No problems if you look later. I hope you get your PC sorted. I know what its like to lose it. Whatever did we do before we had them.:!:

 

maggiebroom :)

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  • 2 weeks later...

Hi Folks

 

An Update

 

Nothing from Nat West since my last post till last night when I got a phone call from Interim Justitia regarding my Nat West account. It seems that Nat West have passed me over to this DCA, with no notice or information to me.

I politely told him to go and do something very nasty with himself. It took me by surprise as I was in the middle of a good episode from Emmerdale. He was reluctant to say what company he was from.

 

I suppose I should have asked him what was going on, but to be truthful he caught me off guard, so I will not be surprised to get a letter soon demanding the money.

They will get the same answer as the others who have tried and failed.

 

"Produce a properly executed CCA, or go and play with the traffic." I just hope they don't start the phone call lark again.

 

Anyones thoughts appreciated.

 

 

maggiebroom :)

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Update again

 

Nat West have sent me this letter

 

Dear maggiebroom

re account: 0000000000000000

 

Thank you for your letter dated 6 january 2008 addressed to Green & Co, which has been forwarded to me to respond.

I have enclosed a copy of my response sent to you dated 16 October 2007 and our position remains the same on this matter.

 

Yours sincerely

 

Miss H Bennett

 

Baiscally they are are saying that their previous letters claim that the CCA 1974 has been complied with, and that I am still liable to pay them. In the October letter they are saying that I should take them to court.

 

Not sure how to proceed with this now.

 

Anyones help very gratefully accepted.

 

maggiebroom :)

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Another Update

 

Anyones thoughts on the way forward now? Very gratefully accepted.

 

Interim Justitia phone for a couple of days (only once) and then have a day off.

 

Not worrying me at all as I have never been informed that they are dealing with anything regarding me so I am playing dumb.

 

Aren't they supposed to inform you if they pass a case onto a debt collection agency?

 

Help needed here.

 

maggiebroom :)

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Hello Maggie,

 

.

I have enclosed a copy of my response sent to you dated 16 October 2007 and our position remains the same on this matter.

 

Yours sincerely

 

Miss H Bennett

 

 

Love the bit our position remains the same on this matter, yeah they still don't have an enforceable agreement:lol:

 

It appears with all of the current discussion and recent information that they have complied to your request under 77/78, they sent you the photocopy of the application form.

 

Now in a court, I understand they would either have to produce a true copy of your agreement, containing all of the prescribed terms, or a true copy of your application/agreement with all of the prescribed terms. They won't be able to :lol:

 

I have just put a post on your capone thread, I thought it was this one:grin:

 

Just found this on the general debt section quoted by the knowledgeable tomterm.

 

failing to provide a Credit Agreement is an offence under s77-79 regardless of whether they pursue the debt or not.

 

If they are aware a CCA is unenforceable, making any statement contrary to that would be an offence under s40 of the Administration of Justice act and/or the Fraud Act.

 

MMmmmm

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hell

 

Thats interesting about the fraud act etc. Actually they have more or less complied with S77-79, except that the form is not properly executed, therfore they haven't conformed. It gets confusing don' it. :D

I think I will just sit back and wait for their next move. Interim Justitia phone once a day

(8.40 this morning) :eek: but I am never there. However I will always take a message :D

They never informed me that they were passing the case to this agency, so I never speak to them. Isn't there a rule that you have to be told before they pass it over? Is that a Deed of Assignment or whatever?

 

Yes I am an early bird. Hubby goes out at five some mornings and of course the alarm wakes me up too. (God bless him). Whoever invented the alarm clock should be hung drawn and quartered :D I am rarely up later than 6.00a.m anyway.They say the older you get the less sleep you need. in that case I am approaching 100, God forbid.:D

 

Of course I can never go back to sleep, so get my morning chores done early, and snooze during the day (having first unplegged that wretched invention called the telephone.)

 

Before I retired I used to look forward to Fridays, now everyday is the same.

 

Thanks for your reply. You always make me smile

 

maggiebroom :)

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A letter this morning from Interim Justitia.

 

Notice of Intended legal Action

 

Creditor: National Westminster Bank Plc.

Reference: 0000000000000000

 

Instructions are being prepared for the issue of Court Action against you, (good, now they will have to produce a proper CCA) which may result in the entry of a Judgement. This may substantially increase your liability and your name and address may be entered on a Register of Judgements and the records of the credit reference agencies. (join the others who have issued defaults)

Failure to make payment after the judgement may result in the use of a Bailliff or Sherrif Officer, or deductions made from your wages. (:D I am a retired pensioner)

It is essential that you make payment immediately (I always keep large amounts of money under the bed) using the gyro slip attached or by telephoning us on the above number as we may be able to take your payment by debit or credit card.( surely this suggestion is against OFT guidelines.)

 

Interim Justitia Ltd.

 

I have put in my own blue comments but I am wondering.

 

1) Would they have a Deed of Assignement for the alleged debt, or should I ask if they have one?

2) If they do take it to court should they produce before hand a proper copy of the CCA?

3) Should I write asking for the Deed of Assignment and a CCA?

 

I need to write a letter pointing out the error of their ways but I am not sure how to word it. Is there a template anywhere or can anyone suggest anything. I want to get my facts right before I fire my arrows.

 

maggiebroom :)

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A letter this morning from Interim Justitia.

 

Notice of Intended legal Action

 

Creditor: National Westminster Bank Plc.

Reference: 0000000000000000

 

Instructions are being prepared for the issue of Court Action against you, (good, now they will have to produce a proper CCA) which may result in the entry of a Judgement. This may substantially increase your liability and your name and address may be entered on a Register of Judgements and the records of the credit reference agencies. (join the others who have issued defaults)

 

Failure to make payment after the judgement may result in the use of a Bailliff or Sherrif Officer, or deductions made from your wages. (:D I am a retired pensioner)

 

It is essential that you make payment immediately (I always keep large amounts of money under the bed) using the gyro slip attached or by telephoning us on the above number as we may be able to take your payment by debit or credit card.( surely this suggestion is against OFT guidelines.)

 

Interim Justitia Ltd.

 

I have put in my own blue comments but I am wondering.

 

1) Would they have a Deed of Assignement for the alleged debt, or should I ask if they have one?

2) If they do take it to court should they produce before hand a proper copy of the CCA?

3) Should I write asking for the Deed of Assignment and a CCA?

 

I need to write a letter pointing out the error of their ways but I am not sure how to word it. Is there a template anywhere or can anyone suggest anything. I want to get my facts right before I fire my arrows.

 

maggiebroom :)

 

Hello Maggie

 

Looks like another scaring tactic letter to me

AH, Ha Notice of Intended legal Action scary scary:o

I would probably think that the nasty west have just instructed this dca to hound you and try to scare you. If they sold the debt to them, they would by law have to write to you to tell you, they have been sold, assigned the debt, and that they were now the legal owners of the account. It I believe comes under the Property Act. Will try and find something on it for you.

 

If the debt has been sold, assigned, they do not have to provide you with a copy of the Notice of Assignment, but if it proceeded to court, they would have to produce the original notice, oh and by the way the original credit agreement:rolleyes:

 

Your second question regarding the ca. They have sent you a pre-contractual application form, which they state is your credit agreement, and you have asked repeatedly for evidence of a true copy of your credit agreement. They have not sent one, because you know and I know there is not one:roll: . Now If this did go to court and they produced one, you can show evidence that you have repeated ask for it under section 77/78 and they did not comply with your requests. I do believe the Judge would be asking them questions as to why they have wasted the courts time, by not supplying it to you in the first place.

 

Now the Nasty have breached the OFT Debt Collection guidence by instructing the dca to pursue you. Passed your personal data whilst the account is in dispute.

 

I would be inclined to write to the Nasty as well as the dca, pointing out the errors of their ways. Maybe slip a request to the dca under the cca, and watch them squirm and possibily back off.

 

If you need help with letters etc you know just ask

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hell

 

Thanks for your swift reply and your PM's.

 

There is some very interesting information in your reply and I shall use it with great delight.

Nat West have never informed me that they are passing the alleged debt to a DCA and therefore I insist on not talking to them. In my opinion it is none of their business. If Snatch West cannot abide by the rules I don't see why I should start running from them.

 

A very nasty letter will be sent to Interim Justitia with a copy to Snatch West too.

 

Once again my thanks

 

maggiebroom :)

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Ho Folks

 

My letter to Interim Justitia must have crossed in the post with this delightful missive I recieved today

 

Home Visit Notification

 

We are considering instructing one of our local debt collects to visit your home address to collect the full outstanding balance. (I don't think so) :rolleyes:

To prevent this visit you should make payment in full utilising one of the payment options listed on the reverse or telephone 000 000 0000 to make use of one of our direct payment methods. (again I don't keep large amounts under the bed but you could always take my rubber cheque) :D

 

If you are unable to send the total balance, please call 0000 000 0000 as in certain circumstances I will be prepared to accept repayment by instalments. (thats awfully big of you considering you are acting illegally in the first place.) :mad:

 

Interim Justitia

 

I know there are OFT guidelines on collections, but surely I read on someone's thread they can't home visit without an appointment, and I could call the police and charge them with trespassing as they won't have an appointment. Well, not from me they won't.

 

A pointer in the right direction would be very gratefully accepted. I am so mad at their cheek, and angry that they are trying to frighten me. Like Hellhasnofury, I don't scare easily.

 

maggie broom :)

 

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Ho Folks

 

My letter to Interim Justitia must have crossed in the post with this delightful missive I recieved today

 

Home Visit Notification

 

We are considering instructing one of our local debt collects to visit your home address to collect the full outstanding balance. (I don't think so) :rolleyes:

 

To prevent this visit you should make payment in full utilising one of the payment options listed on the reverse or telephone 000 000 0000 to make use of one of our direct payment methods. (again I don't keep large amounts under the bed but you could always take my rubber cheque) :D

 

If you are unable to send the total balance, please call 0000 000 0000 as in certain circumstances I will be prepared to accept repayment by instalments. (thats awfully big of you considering you are acting illegally in the first place.) :mad:

 

Interim Justitia

 

I know there are OFT guidelines on collections, but surely I read on someone's thread they can't home visit without an appointment, and I could call the police and charge them with trespassing as they won't have an appointment. Well, not from me they won't.

 

A pointer in the right direction would be very gratefully accepted. I am so mad at their cheek, and angry that they are trying to frighten me. Like Hellhasnofury, I don't scare easily.

 

maggie broom :)

 

 

 

Hello Maggie,

 

Sorry but they are just making me laugh:lol: considering instructing one of our local debt collects to visit your home address to collect the full outstanding balance. Get that money from under your mattress:lol:

 

Send them this, again they are making threats that they are not allowed to. Only after obtaining a ccj and an order from the court can they visit your house.

 

 

Dear Sirs,

 

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

 

Should it be necessary, I will obtain an injunction.

 

Yours sincerely,

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks Heel

 

That letter is excellent. Thank you so much. I have been on CAG for hours this afternoon looking for info and there it is from you again. What a star :D

 

Shall send that off to them tomorrow. I am off to cook my supper now as my bum is sore from sitting and my eyes ache from reading all the threads. this site is definitely a time consuming place.

 

Thanks again for your help.

 

maggiebroom:)

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Thanks Heel

 

That letter is excellent. Thank you so much. I have been on CAG for hours this afternoon looking for info and there it is from you again. What a star :D

 

Shall send that off to them tomorrow. I am off to cook my supper now as my bum is sore from sitting and my eyes ache from reading all the threads. this site is definitely a time consuming place.

 

Thanks again for your help.

 

maggiebroom:)

 

Hello Maggie,

 

I have to admit that I cannot take the credit for that last letter, I pinched it off someone elses thread:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Folks

 

I have now written to Interim Justitia, using a strong letter about home visits, very kindly provided by Hellhasnofury, and I am now waiting for a reply to that, and also another letter explaining the CCA rules to them :D

 

That will be interesting.

 

maggiebroom :)

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I sent the s** off letter to Interim Justitia explaining the rules about visiting me at home, but have had no reply. I must confess I wait for the postman every day.

Trouble is our post has a tendency to arrive anytime time bewteen 10.00a.m and 2.00p.m

Sign of the times I suppose. Our postie is always late when its raining or very cold.

Poor luv is probably having tea and brekkie before he braves the elements.

Gone are the days when you could rely on your post arriving at breakfast time.

 

News soon.

 

maggiebroom :)

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  • 2 weeks later...

Well after a few weeks of silence I got a phone call from Interim Justitia Last night.

 

I told her I wasn't available. She asked for my mobile phone number, and was politley told I didn't have one.(tongue in cheek. Do they think I am stupid?)

Then she wanted to know where I was , and when would I be available. I said never and don't call on this phone again.

 

Cheeky Bi***. I said I'll send you an itinerary. :D

 

I thought I had heard the last of them. But it seems they are not going to heed my warning letter.

 

Hey Ho!!!

 

Round 102 I think 8)

 

maggiebroom

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A call today at 3.00p.m from the dreaded Interim Justitia:(

 

They were politely told to go away. despit a letter re harassment they have started to call. They don't worry me one bit. I don't suppose the letter has been passed to the call centre staff. Terrible lack of organisation in all these companies.

 

maggiebroom :)

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Wow, I have just read through your thread and it seems you are having a real battle.

 

While I cannot offer any help, not that you seem to need it, I would like to offer you some support.

 

Best of luck, I hope you manage to get this sorted.

 

Matt.

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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Another call for Interim Justitia last night

 

Hubby answered the phone and politley told them that I would not talk to them over the phone and that everything should go in writing.

 

After a bit of banter with hubby who then asked them if they understood english, he was told that they would start increasing the calls from today.

 

I have been down that road before with Capital One and they got no change either, but I am furious that they think they can browbeat me this way.

I have had no information from Snatch West that they were passing the account over to a DCA and therefore I do not consider that Interim Justitia have any thing to do with it.

 

They do not frighten me one bit. We'll see what happens. I have re-sent the do not visit me at home letter, and if they carry on I shall send them the harassment letter and also a CCA request. If they have bought the debt they should be able to produce the document in question, shouldn't they. We all know they can't.

 

We'll See. Hey Ho!!! Its off we go again.

 

maggiebroom :D

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