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    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks,  Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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My job at stake


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The clampers revenge?

 

Yesterday whilst delivering in Bicester I was clamped.

I knew my delivery as I had done it before and knowing I needed my 45 break, thought this car park where my delivery point was was ideal as I don't block anyone.

I popped to the newsagent for something to read, on my return I was being clamped, to cut this short, I was released after payment by my company.

When I got back to my depot I was suspended from work pending a hearing because the clampers had made a complaint about me, I don't know what the complaint is as I will get to know at my investigation.

The fact they suspended me tells me it doesn't look good.

The most annoying part is, the only foul language and abuse used came from the clampers!

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Your company must give you details of why you are suspended and details of the complaint against you are you sure they didnt give you any more reason than a complaint has been made by the clampers, also did you say anything to the clampers that could be construed as threatening

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Hi Steavyd,

 

It may be an idea to print off a copy of this page, it may not help, but will show you did not make it up at your investigation.

 

Not much help I know :(

 

Lex

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I have been told they have to give me details at my investigation, I also have to put my version of events in then they will decide whether or not to take it to a disciplinary.

In no way was I abusive nor did I say anything offensive, if you saw the size of the guy nor would anyone else!!

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Your company must provide you with precise details of what the allegation is before you can attend a disciplinary hearing. You simply cannot be in a position to defend yourself if you are only given the evidence at the meeting itself. You need to ask for an adjornment pending full disclosure of the evidence in order to prepare for the hearing.

 

You say that you were suspended when you returned - how was this carried out? Were you given the right to have a witness present? Has the suspension been confirmed in writing?

 

Secondly, are you sure that the clamping was lawfully carried out? Who was the company responsible and are they SIA registered? Private property or local authority car park? What signage was there to warn of the possibility of being clamped? Was this clear?

 

Lastly, how long have you worked for this employer?

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As said, I will be given all details Monday as it is only investigatory.

 

You say that you were suspended when you returned - how was this carried out?

 

I was simply led into a room and handed my letter and told to return for investigation on Monday.

 

 

Were you given the right to have a witness present?

 

Not for this no.

 

Has the suspension been confirmed in writing?

 

Yes.

 

 

Secondly, are you sure that the clamping was lawfully carried out? Who was the company responsible and are they SIA registered?

 

Yes, have checked their website.

 

What signage was there to warn of the possibility of being clamped? Was this clear?

 

Yes, was very clearly stated about clamping.

I am not complaining about being clamped, it's the fact they reported me to work for doing nothing basically.

As a delivery driver who often delivers in clamping areas you tend to forget about the signs, no excuse I know but thats the way it is.

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Fair enough, but reserve the right to turn the tables with a written complaint to the clampers' employer and the SIA about their behaviour, threats and abusive language.

 

I would be wary of discussing too much detail at an 'investigatory' meeting - restrict yourself to responses such as 'preposterous' 'outrageous' and 'absolute lies', together with a categoric denial of any wrongdoing. I really think that this should not even progress to a formal disciplinary.

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TBH I would accept a written warning on this for allowing myself to be clamped and costing the company £388.

Hazard of the job, what I am finding difficult to understand is why the clamper felt the need to make a totally false complaint against me.

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£388? Absolute robbery!

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Is there any CC TV evidence from the car park, this might help your case and shed some light on the clampers behaviour - sounds like they need to be reported themselves, maybe they were doing too much over zealous clamping and their own jobs were on the line.

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Is there any CC TV evidence from the car park,

 

Unfortunately not, I phoned the outlet I delivered to today and he told me they don't have a cam.

He did however tell me there have been a few unsavoury incidents with these guys but thats heresay so won't help me.

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He did however tell me there have been a few unsavoury incidents with these guys but thats heresay so won't help me.

 

well, it could help actually, if the outlet has had documented complaints about the activities of the clampers then this could be used as ammunition in a counter claim against them and a complaint to the SIA.

 

if the firm is having regular complaints made about their business practices, their employees attitude towards people and their use of intimidation, then they could have their operating liscences removed.

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still worth a mention though, i mean they are making an unsubstanciated complaint about you (where is the evidence of what atrocities have you supposedly committed?), so its worth mentioning that you were told by a member of staff at the place had said to you that numerous complaints had been made about the clamping firm.

 

remember, at your hearing, or whatever your employer is doing, to first deny that you have done anything, then ask for evidence of the complaint to be provided in writing, along with relevant proof of said incident.

this is your right and your employer should be fully aware of this.

it would also be worth mentioning the fact that the clamper said what he said to you as he left, and state that you believe that this is nothing more than a revenge attack against you for outsmarting him.

 

i mean come on, they dont have any kind of substancial evidence against you other than what some bloke told them over the phone, which ,funnily enough, is hearsay as well, and obviously if it cant be proved, then whos to stop other people gossiping as well?.

i could ring your employer up and tell them that as well as being physically violent towards me, you also kidnapped my first born son, set fire to my house and sodomised my dog, would they discipline you for that as well?

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i could ring your employer up and tell them that as well as being physically violent towards me, you also kidnapped my first born son, set fire to my house and sodomised my dog, would they discipline you for that as well?

 

Thanks for that, brought a smile!!

 

Thank you for all replies, I will come back to let you know what happens and will take on board advice given.

TA

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There must be some reason though why they'd contact your employer and make a complaint? It just doesnt sound right. What would be the point of them doing it unless you'd said something to them? Theyve got nothing to gain from making a complaint without some justification have they? It does sound like youre leaving something out of what youre telling us here, sorry. I think nearly all of us would curse and swear a bit in that situation.

 

If it was me I'd probably say to my employer 'I'm really sorry, I was annoyed with myself etc etc. Anything I said wasnt directed at them. Deduct the money from my salary' and hope you get away with it. After all, its not a client who's complained.

 

Just my view because, to me, it doesnt stack up the way youre telling it.

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Of course I expected a reply like yours.

I said nothing wrong to them, I never swore at them, any foul language or abuse came from one of the clampers.

I too am at a loss as to why they reported me.

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.....I too am at a loss as to why they reported me.

 

theres this wonderful human emotion that explains why this is happenning, its called "Malice".

 

these clamper guys are a law unto themselves, and, to make it worse, most of them are on commission.

 

what this guy thought when he clamped you probably went something like this...

 

"ooh, its a delivery firm, if i slap a clamp on that, itll be £150 for a penalty, another £100 release fee, theyll probably refuse to pay immediatley, so thatll be another £150 for towing, £25 a day for storage, then another £50 for letters, im gonna be minted off the back of this idiot...hee hee"

 

then when your boss paid up straight away, he watched the best part of £200 slip through his fingers, in his own mind he had already spent the comission he was gonna get paid, so hes a bit pi**ed off, what does he do?, makes a note of the number on the side of your van, then rings up and says all sorts of sh*t about you.

 

people are petty like that, especially jumped up muppets who are on commission.

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Monday is just a investigation into the allegation, the way all this has happened would suggest it may very well go to a disciplinary.

The reason I say a union rep would not help is the time I have been employed by this company, means the can reasonably dissmiss me without me being able to challenge it.

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