This is another of those, get info from the companies, then report back here situations huh? On it!

Can I CCA this company to find out if they have already defaulted me in the past? I suspect they have just checked clearscore and the pot thickens Clearscore show the account since 2013. It shows as no payments missed. Then in September 2017 the payments stop. It dosent show late or missed, just stopped. In noddle it shows from November 2017 as a straight default. No payments before this date. According to stepchnage there has been no break in payments. Whats going on? And how do I fix it. Im 5 years into a DMP, where my defaults are starting to drop off. This puts me back 6 years....

Sorry for any confusion. Here is an edited version, making what the girl said more explicitly clear: Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained: "The originator of the debt had informed them, the debt had been paid, but then retracted that message 3 days later. She would contact the debt originator, to get an explanation. But there was still £1400 owing" Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear? Thanks doomsponge

So what to do? I got into financial issues in may 2013. i almost certainty would have defaulted a couple of months later. Write to them and ask why they waited so long to default me? Or just CCA to get more info?

Fair point. I suspect you may already know the answer to your question. Where do I start? From looking at my credit report, some things have dropped off that im paying for. CCA to the owners of the debts, then post up the results?

I opened it october 2012. Its to the original creditor not a DCA.

really? The girl on the phone did say that the letter was a mistake and there was still money owed. Does this letter trump all others?

Hi Everyone A default has effectively just appeared on my credit record. Its for Shop Direct Finance Company LTD Account was opened on 10/10/12. Default showing as registered on 24/10/18 The status history on noddle starts with the default. There is no information going back beyond the date of the default. Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD. Another one, and I assume this one. Although the account numbers and amounts dont match up. So it might be an entirely new one. This seems like either a mistake or a rather cynical attempt to default it before it drops off my credit file. Which seems like a punish me rather than a serious attempt at debt enforcement. Im also not sure if they hadn't already defaulted it. As if they had it would have fallen off my credit report by now. Whats your thoughts?

Thanks for replying Its an old lloyds credit card. Defaulted just under 6 years ago. Paying thro stepchnage.

Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained that the originator of the debt had informed them it had been paid, then retract that message later. She would contact them, to get an explanation. But there was still £1400 owing. Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear? Thanks doomsponge

Update. Arnold clark refused to accept liability. Car needed £500 extra work on top of the £2k. As a good will gesture they will drop the full bill to 2k. The offer contained the line full and final settlement. If I accept, can I no longer take them to the small claims court?

Surely the fact that they serviced it 2 weeks prior to the gearbox seizing, and where unable to find the issue is the focus of my complaint? There own report says "unable to fault noise" to my mind this means there was a noise, but they couldnt find the source or cause. Which logically means there was a fault before the service, and after, and they missed it. Leading to the now major repairs needed.

10k for the car. Car was serviced where I bought it. It came with a service plan. Manual. m going to have to take them to court. Thougjt that might be the case. Whats the procedure? Write a complaint to head office? When that goes no where, threaten the small claims court?

Hi everyone. Im needing some help. Bought a used car arnold clarke. 11 plate, 70k miles, scirocco. About 8 months ago. For 10k on finance. It had an issue with the dpf sensor, that was fixed under warrenty. 3 weeks ago, it started sounding rough on gear change, so I tock it in, for a sservice and mentioned to them the noise and roughness. They came back and said it was fine. No problem I thought. 2 weeks later, the gear stick stopped moving. I had to get it towed to the garage. They came back to say that the gear box would need replaced, as they had checked it, and it had no oil, due to a massive leak. £4k! Im not best pleased. They have advised they can get the gear box overhauled, at a cost of £2k. Plus, anything else they might find. The part that really gets me, is that I took it too them, with a gearbox issue and they said it was fine. The report I got from them, after the events, says "unable to fault noise". Which in my mind is different to "its fine". From the sounds of it, they didn't check the gearbox at all, when I initially asked them too. Leading to this. Ive asked another garage, about it, and they reckon the same. They also dont think they can fix the gearbox. So what do I do? Get arnold clarke to do the repair, and complain to head office? Small claims? Or trust my gut and take it somewhere else? Bare in mind it cant move.

hi guys. got a letter back, and the figures they have are all wrong, in there favor...... Even just looking at the amounts i have paid, and the amounts originally owed they have messed up the final amount. e.g 5-3=4 Ive written a letter asking for much more detailed info on it all, based on there mistakes, but should i just leave it and hope that if/when they take me to court the judge takes one look at there shoddy maths and throws the whole thing out? cheers

this is the letter that i sent: Thank you for letter dated 6th July. I do not recognise any of those amounts as owed by me. As I’m sure you would agree it would be foolish to pay any money before I have proof that it is owed. Could you send me a fully detailed breakdown of these amounts and how they have accrued? Could you also send proof that I am contractually obliged to pay any outstanding amounts? As I’m sure you will appreciate, it may take time for me to work through the documents that you send, so I would expect your surprisingly short deadline, to be extended. Also, as far as I’m aware, you are unable to change my resignation date unilaterally, please use the correct date for any holiday accrual calculations, and when working out Statuary Sick Pay.

update: Hi again. Bit a big update: Basically they gave me a final written warning. and wanted to charge me £1330 to repair the van. I couldn't face going back, and went off with stress, then i resigned, and found a new job. They have since sent a letter demanding that i pay £1800 or they will take me to small claims court. "do to your sudden resignation.....money owed to the company below: total for tools and drill: £397.59 overtaken holiday entilment: £117.50 lost equipemnt: £10 damage to the van £1330" they also want to change my last working day: "you have not been in work since 16 june due to sickness, i would like to inform you that 16th june will be noted as your final working day and you will not receive any payment from the company after that date". I was off sick from after the disciplinary meeting with stress, basically i couldn't face going back. Can they unilaterally chnage my resignation date to avoid paying SSP? As far as im aware my contract said they would take any owed money from the last wage, but nothing about any shortfall and what would happen. For a small court claim they need to prove that the money is a material loss, dont they? As he £1300 for the van was basically picked from thin air, and didnt take into account any insurance or real cost to them. Can they win? ive written a replay that basically asked for full and detailed evidence of the money they think i owe. thanks for any help

How does your commission work when you normally take annual leave? As it should work exactly the same for your notice period, as effectively your on annual leave. I cant help with the rest tho.

I can assure you i was remorseful and sorry in the investigatory. I offered an advanced driving course, and i was definitely shocked about how bad my driving was. I still feel that they had a duty of care to tell me just how bad it was, before i crashed, but thats by the by now. The reasons im now looking for loopholes, is entirely because ive only been there 1 and half years. Im fully aware of how easy it is for them to sack me. And they have a rep for sacking people. Ideally i need to delay any possible sacking as long as possible so i can find a new job. With regards to the disciplinary letter, i received it today, it was posted yesterday. The one handed to me was given to me yesterday at 520pm. There is no way either of those two options give me the 2 working days notice that there own policy sets out. As the meeting is tomorrow at 10am. Can i ask that they either drop the meeting, or postpone it based on this?

Update time: Had the investigation, this was delayed by 2 days. Lots of questions regarding "bad driving", as expected they had a telematics report detailing harsh cornering and hard breaking. Supposedly im the worst in the company. One of the items was taking a roundabout at 16mph, not sure how this can be classed as bad driving, but hey ho. It would have been nice to have been told, that it was so bad, before i crashed my van however. When i mentioned this, my manager tried to say he had told me, when he had "a word with me", basically he said one day "calm down your driving". I dont really think this is detailed enough "a word" to be used agaisnt me, and i said as much. Questions regarding phone usage. I explained about using bluetooth, and handsfree calling. And that was basically it. I then went off on holiday for a 9 days, expecting a letter when i returned. But, no letter awaited me. I assumed the whole matter had been dropped, as 9 days is plenty time to decide and send a letter re disciplinary action. I went in on my 1st day back and asked about why it had been dropped, and my manager was stunned that a letter hadnt been sent. Clearly they forgot. Latter that day, he turned up with a hastily photocopied letter and handed it to me. This was for a disciplinary meeting to be held on Thursady at 10am. Bear in mind this was handed to me on the Tuesday at 520pm. Another matter arose as well. The bill came thro for the damage. £2600. Of which they expect me to pay half! It was my understanding that we only paid the excess, and in previous instances other people have only paid this. I asked what sort of shoddy insurance they have, that the excses is so high, and my manager told me i had got off lighty as the excess is actually £2400!! He was reading off an email, and being a fast reader i was able to read it in his hand. It stated that they would "charge me 50% to show that bad driving wont go unpunished". So the excess being high is a load of cobblers, and they are using me as an example and to punish me. Clearly he wouldnt give me a copy. At that point i refused to sign the recharge form, and said i would seek advice. So there we are. An accident turned into a farce. Im rather annoyed about the £1300. I fi was simply paying a fair and reasonable excess, then fair enough. But clearly they think they can charge what they want, as a punishment. Ive got a couple of questions: The timing of the letter. They cant have the meeting without giving me 2 full days notice can they? How does oweing money to a company work? If i leave (or am fired) will they pursue the money? Will they take the whole lot out my final pay? I actually owe them more than the £1300 as i need to pay for tools, and a drill, so i actually owe closer to £2000. Bear in mind my pay last month was a pitiful £1000. On there own policy it states that i cant take someone into an investigatory meeting, but on the letter i recived it said i could. So i did. Can i use this breach of there own policy against them? My initial plan is to try and get them to drop the whole thing. My manager will be present taking notes, he was the one that took the investigation. This isnt allowed is it? Then to hit them with the "witness in investigation breach of policy", and then to go for the timescale of the letter. These 3 things in thoery should mean the disciplinary cant go ahead. whats your thoughts.

My pay day is the 28th, and the 1st possible date for the disciplinary will be the 29th. Could the thing that ive signed be used to deduct things from that pay, before the disciplinary? im assuming no

Oh and somthing just popped into my head. My boss got me to sign a form just after the crash. He said it was a deductions form, so the company can take the cost of lost equipment from me. I lost £40 worth of stuff. Unfortunately this form was blank when i signed it( ridiculously stupid i know, but it was about 30 mins after i crashed a van). Im not even sure what i signed...... Im now worried they can use this to say that i agreed to pay off the damage from this pay, or they could use that signature to say that they had discussed the previous dangerous driving with me.

Thanks for all your advise guys. contrite and apologetic i shall be. The letter mentions that "supporting documents would be sent to me prior to my meeting, further documents may be produced at the meeting" Surely if the have the phone records and the tracker details already, and they must do as they state that they have looked at this data, then they should have sent this evidence to me? Possibly 2 days before the meeting? Meeting is on Wednesday morning, and the only thing i have received was the letter itself. Another possibly more paranoid issue, is that i haven't received a payslip, while a colleague has. Could they be preparing to not pay me, so they can sack me and use that pay, to pay off the damage, and tools that i was forced to buy from them for the job? I get paid from the 16th to the 15th of each month then paid into my account on the 28th. So if they sack me 2 days after the investigation there will only be 2 weeks worth of pay to cover the van excess and the tools, and it probably wont be enough. I think the excess is around £600, the tools £150, and a drill £500.

The 1st crash wasnt due to dangerous driving. there was a fence behind my van that was perfectly in my blind spot. While i said i drive hard, i dont consider myself a bad or dangerous driver. I have never crashed before, these 2 crashes are the 1st in the 3 years i have had my licence. Surely the company has a duty of care to me? If they knew that i was driving dangerously, and they didnt tell me, how can they try to sack me for reckless driving? Ive been given no opertunity to change or even know there was an issue.

Thanks With regards the tracker data, should they not have told me about the "dangerous driving" before now? Like the last time i crashed? So i could change my way of driving, before a crash happened agian? Can they use this data, if they have never made me aware there was a problem? Im not a dangerous driver btw, i dont speed, i may brake too hard, and go reasonably hard round corners but its alwasy within speed limits. In an investigation, am i allowed to see all the evidence they have, at the start of the hearing? before answering any questions?