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Everything posted by shortwoman68

  1. I was planning to give 4 weeks notice and have 1 week furlough and take the rest of my annual leave at 100% pay.
  2. Sorry yes there is an adjustment for bank holdays. Thank you very much for your advice here. I really appreciate it.
  3. Thank you for responding. I am contracted to work 37.5 days a week, 5 days Monday - Friday. For some reason my annual leave is calculated in hours instead of days. My initial entitlement is 25 days per year, which is 187.50 (for a 7.5 hour day). So the amount I have left is 157.50.
  4. I don't know if anyone can assist me. I am currently on furlough and informed my employer that I would return on 21st June 2021. However, I have been offered a new job which I will be accepting and want to know how the furlough scheme would work with me resigning and also having 21 days annual leave left. I have to give 4 weeks notice and wonder if I would take 1 week as furlough and 3 weeks as annual leave, is this correct?
  5. Do you mean the response of the complaint I made to Canada Square Operations and the response stating that I need to send the letter to paypal?
  6. Can I make a complaint to Financial Ombudsman Service or can I complain on resolver?
  7. The gist of this is that I made a PPI claim in respect of an Egg loan and although the claim was upheld, the letter I received stated that the funds I would be forwarded to my Practitioner as I am currently in an IVA or declared bankcrupt. This is incorrect information and although I asked where they obtained this information, they did not respond to the question. It was only after re-reading the letter months later after reading an article online, (it was received in December 2019), that I decided to write to company. They have written back to me stating that I need to contact Paypal regarding this as they contacted Paypal and they have stated that the 'redress from the complaint belongs to them'. The amount award was over £4000. As I am no longer in an IVA how can this be the case and what can I do?
  8. I have attached the letter that I received from Payplan. I am a bit confused about it. Payplan IVA.pdf
  9. Thank you for your response. So the bit about being entitled to any VAT or PPI payments, are they entitled to this?
  10. I took out an IVA in January 2012 however it failed and went to court in March 2013 due to unemployment. I received a letter from them dated February 2015 with court information (as they took me to court) stating ' Further to the failure of the Debtors' Individual Voluntary Arrangement, the Supervisor retained the power to deal with any pending PPI claims and recovery of VAT (where applicable). Any potential PPI monies have been received by the Supervisor and distributed in accordance with the IVA proposal as modified. However, where further IVA assets, such as PPI are realised after completion of the IVA, these will be realised by the Supervisor acting as trustee of those assets which will be distributed in accordance with the IVA'. I just need some clarification about this. How long does the Practitioner duties last and does this mean that any PPI claims that I may make in the future and awarded will go to the Practitioner for distribution? Thank you for your help.
  11. He explained what happened to his bank who refunded his money however they did state that virgin may contact him for the money back. He has further spoken to virgin customer service (as they contacted him) about it and even though they agree verbally, that all the call charges are via whatsapp, they sent him a bill. They have sent 2 further bills, one for £25 stating that he made a call whilst in Jamaica, where he did not travel to and could not due to covid restrictions and another for whatsapp calls. Of course, they are being disputed and my father is waiting for a letter in order to send a complaint to CIFAS.
  12. I ordered a weight exercise bench around 10.20pm which I thought was foldable as this is the information I placed in the search engine. After double checking I realised that it was not foldable and requested a cancellation. I was then sent a message at 03:50 stating that the seller was unable to cancel the item as it has been dispatched. I am very angry at this as I don't believe that the seller did not see the message to cancel. I have also realised that as the card I used was my partners and he does not have a paypal account, the seller may not refund the money for this item. I am tempted not to accept this item however if I do not I would not be able to return it. I have already contacted the bank who states that my partner would need to speak to the seller. Any help please?
  13. Thank you for all your help, the bank has assisted with this even though they are now saying he owes them more money. Strange that they are charging him for calls in a country that he was never in and were all made via whatsapp but we are taking this further.
  14. Thank you. Can I ask whether the SARs request covers itemised bills as my father would like to know the numbers he is being charged for as he is also being charged for making free whatsapp calls.
  15. My father went on holiday to Barbados on 12th March prior to lockdown and was due to return on 13th April however due to lockdown returned on 12th June. Duriing this time, my father called family and friends in the UK as apart from Barbados this is where many of us reside. My father used whatsapp to make his calls as they are free. When my father returned to the UK, he found that virgin mobile had debited £156 from his account when his contract is £8. He immediately queried this and was told that it was he made calls to Jamaica. My father informed them that he did not make any calls to Jamaica as he does not have any reason to (my father does not have any family or friends in Jamaica). They stated that these calls were made therefore they were added to his bill. My father stated that all calls he made were via whatsapp and to the UK or members of family in Barbados and he noticed that he was also charged for some of these even though they are free. Virgin admitted to charging him for some of the free whatsapp calls. My father has asked them for an itemised bill however they informed him that there were no numbers listed. They also said that that as well as making calls he received calls which my father disputes. To date they are still unable to supply the numbers that they state were called and received on his mobile. Virgin offered my father £50 as a good will gesture which he declined as they have taken over £100 from him. They have now sent him a deadlock letter stating that my father did not inform them that he was going abroad, which incidentally my father travels almost yearly to Barbados and never has the need to inform them as he does not use international roaming only whatsapp., he did not look at the international roaming policy or self-care on how to manage his account, which he has never needed to do as he only uses whatsapp when he is abroad, they state that they have provided my father with full details of his account which is untrue as he is still waiting for the itemised bill they refuse to provide with incorrect charges. They have rudely concluded that after checking my fathers account they suggest that he manage his account through the self-care service which I am guessing is an online service. My father is 78, has never had a good memory and is not computer literate however he is very careful with the way he uses his mobile phone and uses whatsapp to call even family members in the UK or his landline when he has free hours. As my father has some bills from last year, he checked them this week and found that virgin mobile has over charged him every month from between £10 to £30. He is very upset by this and also that he did not think to check the amounts that virgin was debiting from his account on a monthly basis. I have advised his to stop his direct debit and change to another provider but where do we go from here.?
  16. I didn't realise that. They are still pursuing him. Attached is the most recent letter. Letter from Gladstones Solicitors.pdf
  17. Attached is the Car park signage. The blue car is parked near the area where my son parked his car originally. Car park pictures - CUP Enforcement.pdf
  18. Sorry, if I am lacking understanding a bit, just to clarify, if the letter states ' Please accept this letter as official notification that Zenith Collections are now responsible for the recovery of this debt', this just means that they have passed it on for the debt to be recovered', is this the same as debt assignment and if so, are they allowed to do this?
  19. I located this on the internet, can anyone tell me whether it is true and has any bearing on my sons parking charge situation. The Bald Eagle Administrator Follower Posts: 4371 THE lowest common denominator DVLA clarify that parking companies cannot sell on debt to debt collectors. « on: 16 April, 2018, 11:14:50 AM » The timing of this announcement is significant in my opinion. The new General Data Protection Regulations (GDPR) come in on 25th May 2018. Under this legislation anyone caught breaching it can receive a hefty fine. Looks like the DVLA are finally getting their house in order as a result. ======================================================== DVLA clarify that parking companies cannot sell on debt to debt collectors. Parking companies obtain keeper data from the DVLA by way of the KADOE contract. Copies are available under FOI, such as here ( https://www.whatdotheyknow.com/request/kadoe_system#incoming-882991 ). This contract allows parking companies to engage debt collectors to pursue debts, but it does not allow them to sell the debt on to another party. Despite this a number of parking companies have ignored their contract with the DVLA and have been selling their data to rogue debt collector MIL Collections for as little as £1 per parking charge. MIL are well known for their aggressive practices which include blatantly lying on the telephone, using false and misleading information in letters, and pursuing debts despite not having in any known case a valid letter of assignment (MIL use an undated 'deed' which has no references to any actual parking charge and in some cases has provably been in existence before the assignment occurred as a recycled deed has been used). The DVLA initially took no action to protect motorists despite being informed of this practice many years ago, when MIL first started to buy up parking charges. Since then, MIL have caused misery and essentially 'robbed' large numbers of motorists by claiming charges which are not valid. The DVLA has now finally taken action. DVLA Statement The DVLA has issued a statement to the Trade Associations on the matter of Debt Assignment You will be aware that DVLA has been considering whether to permit private parking companies passing on DVLA vehicle keeper data to third parties as part of the assignment of unpaid alleged private parking charges. The term used in this context to describe this activity is "debt assignment." The KADOE contract does not provide for the onward disclosure of vehicle keeper data by parking companies for debt assignment, and any proposals to do so require the parking company to seek written authorisation from DVLA. However, following representations from the sector, DVLA agreed to consider its position further. I can now advise that the Agency has concluded that it will not be changing its position on this matter. As was the case with previous requests from parking companies, DVLA will not allow vehicle keeper data originating from DVLA records to be provided to third parties as part of a debt assignment arrangement. The Agency will consider disclosure of data obtained from DVLA to third parties as part of a debt assignment arrangement as a breach of contract which could result in suspension. British Parking Association Statement The British Parking Association has stated they will fully support the DVLA in this matter, and that this is a serious breach which could result in the award of 10 sanction points. 12 sanction points results in an immediate ban. The International Parking Community The IPC have not made any public statement on this matter. However, their code of practice states: 5.2 You must not pass any Personal Data to any third party company who is not a member of an Accredited Operator Scheme (or similar scheme of a different name) with an Accredited Trade Association or a firm entitled to carry on reserved legal activities According to their sanction scheme, misuse of personal data can result in 6-12 sanction points, with a starting point of 10. Factors indicating higher degree of harm 1. Personal Keeper’s Data compromised or used or obtained inappropriately. MIL Collections MIL Collections are run by failed businessman Alan Davies. Any motorists whose keeper data was purchased from the DVLA by a parking company and then sold on to MIL should raise a complaint with the DVLA and the appropriate trade association, the BPA or IPC. Misuse of personal data is an offence against the Data Protection Act 1999, so you may also have a valid claim against MIL Collections and the parking company. As the DVLA allowed this practice to carry on for some considerable time despite being notified, you may also have a claim against the DVLA, as they have a legal responsibility to keep keeper data free from misuse. If you provided your data directly to the parking company, without the DVLA being involved, then this does not apply. Happy Parking The Parking Prankster http://parking-prankster.blogspot.co.uk/2018/04/dvla-clarify-that-parking-companies.html
  20. I think initially she wanted to take some action against her but after speaking to her today, she realises that as she has only been there for a short period of time and had decided to just leave things as they are. Thanks for all your responses.
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