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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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unfair dismisal. do I have a case?


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Hi DNA123, I've got all the documents I need now - but will probably need to ask a few more questions, so keep logging into this thread.

 

I will work on the wording for your appeal over the next day or so concentrating on the circumstances surrounding the last period of absence as this is what we will use to declare the dismissal unfair. Keep positive.

 

Ell-enn

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Hi, sorry, a few more questions:

 

1. Did you sign the notes sheets? I can't make out the signature.

 

2. On your 12th September record of discussion sheet with your manager it states that a medical referral form was completed at your return to work interview on 28th August, but that you had still not been seen by Occupational Health. Is that still the case - did you get an appointment with OH?

 

3. Did they at any time ask for your permission to request a report from your doctor?

 

4. Were all your absences connected with the same medical condition?

 

 

 

Thanks

 

Ell-enn

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-They didn't ask me to sign it. I didn't even get to see it. I should of asked to see it or get a copy I suppose.

 

- They said I would meet with the occupational health but they didn't do it. they where always about but I was never called in to see them.

 

- They asked me to return to work once my GP was convinced I was fit to work, I got a letter from my GP for them.

They didn't ask for any kind of permission for anythin though.

 

- Only the last 2 absence where connected.

Infact on the last absence wich caused my final warning it was the occupational heaelth officer who sent me home from work and told me to get sihned off by my GP. wich I did. The OH officer was backed up by my line manager who told me the same thing.

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OK that's fine - I think I have everything I need now. Just one last question, do you have a copy of the letter from your doctor? also (sorry, one more!) do you now if the OH officer would have made a file note that you were sent home?

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OK, any copies you can get would be good. Are there any colleagues who would be willing to give a witness statement in relation to the day you were sent home and told not to come back for a week?

 

As I said earlier, I will work on the wording of your appeal over the next couple of days, so don't worry if I don't post anything for a bit. However, if you are worried or need to ask anything please post - I will look in from time to time just to check.

Stay positive.

Ell-enn.

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I have spoke to a couple of colleafues over the phone this week who have offered to make a statement for that very thing. They offered without me asking actually. one of them was a first aider on the scene when the ambulance took me away aswell.

 

Thanks Ell-enn I will leave this with you now. I am speaking to the registra office on the phone on monday who speak to managment on my behalf if there is anything you think I should ask them let me know.

 

Going to go the match at the weekend. I'll have a drink and try to relax.

 

Thanks you Ell-enn.

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OK, in the meantime see if you can get the written statements from your colleagues an the first aider, it will give some weight to the appeal.

 

Hope your team win (depending who it is of course lol).

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Ell-enn

 

Today I phoned the lady who was the first aider who treated me on the day of the insident. I called her at home as she had told me to if I needed any help. She was very helpful and explained she had compleated a form reporting what had happend and that the occupational health officer should have a copy. She also said she would send me a written statement of the event in the post.

 

I phoned in today and got through to to occupational health officer. The first aider is currently in the process of leaving the company and is not working there at the moment.

The occupational health officer was not very helpful at all. She began by telling me she knew nothing about my dismissal and that nobody would have kept a record of what happened that day.

She also said I should not be talking to her about it.

I tried to explain that I needed some help with my appeal and that some documentation would help my appeal.

She then said that from what she had been told I was dismissed because of my overall attendence. Even though earlier she had said she knew nothing about my dismissal.

I got the distinct impression she was trying to put me off.

 

I called the first aider back and told her what had happened.

Again she was very helpful and said the duty manger from that day would have a record. The manager that day was not in today so I will have to try monday morning.

I also spoke to a collegue who was present when I tried to come back to work and was told to go home. She has said she will write a statement for me. Hoping to pick it up tommorow.

 

I cannot get hold of anyone from the registrar office who are supposed to be my contact and representatives at the company. I left messages for them a couple of times but no reply.

 

I'm worried now that they are trying to slow my appeal down and if I do get reinstated my job will not be secure.

 

Maybe I'm getting paranoid but nobody at the company seems to be very co-operative.

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Try not to read too much into the OH officer's attitude, perhaps she is protecting herself- her version of events is not critical so I'd leave that alone. I know it must be difficult when you're removed from the environment and have to rely on telephone conversations - however, it's encouraging that you have two people willing to give witness statements. As soon as you have them can you post them on the box.

 

I should have the appeal document ready for you on Monday.

 

As long as you return your appeal documents within the required timescales, they will have to hear the appeal in line with their policy. When you get a date for the appeal we will finalise the strategy.

 

According to their policy you are entitled to representation, if you feel you are not getting the support you need to make a complaint in writing, and we'll add that to your appeal case also.

 

Stay positive.

Ell-enn

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Hi there, hope you had a good weekend and your team won?

 

Back to business, do you have the witness statements yet? I don't want to finalise the appeal document until I have seen them.

 

Ell-enn

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ello, your weekend go ok?

 

I havn't received the letter rom the first aider in the post yet and havn't heard back from the girl giving me a statement. I left a message for her this morning.

Also I can't get through to anyone in the registrar office and nobody has seen the duty manager since Wednesday. :mad:

 

Been calling all morning not getting anywhere. Still trying. :Cry:

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Hi there, don't worry - we'll get there in the end. I've drafted your appeal doc, but obviously need the witness statements to complete.

 

Also, is it possible to get a copy of your doctor's letter - if you explain that you have been dismissed for sickness absence, I'm sure he'll be able to give you a copy.

 

I'm sending you in a PM what I've written as a Word doc - you will see gaps where information needs filling in and also references to Appendices, some of which we don't have yet. Please review the document and see if you are happy with it.

 

Regarding the registrar (?) support - if you cannot get the information and support you are entitled to within the policy covering such, then you have cause for complaint and we can add that to the appeal doc at the last minute if you don't get anywhere with them.

 

Am I right in thinking that your appeal has to be lodged on Wednesday of this week? If that is the case, you will need to post it by recorded delivery tomorrow night, so you need to try and get the statements.

 

Let me know when you have read the doc - if you have anything to add etc.

 

Stay positive, Ell-enn

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Ell-enn I have received the draft.

It is very professional and detailed. I can't wait to get the statements added.

I can't thank you enough or putting so much work into it or me.

You are a wonderful person. thank you so much.

 

 

I have just had a call from a lady at registrar. she is going to get me a copy of the doctors letter I brought in and also the duty managers report of the incident. She should be calling back later today.:)

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That's great - sorry, more questions:

 

Are you able to collect the documents from the registrar?

 

Any news on the statements?

 

Are you able to deliver your appeal by hand? or will it need to be posted (I'm just thinking about the tight timescale for getting the witness statements).

 

Rgs, Ell-enn (nearly there!)

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