Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Winemark the wine merchant ltd northern ireland
    • Hi Sweet and welcome to CAG   Are you willing to disclose the employer in this case ?
    • I was the manager of an off license. We reopened on mon 30th, I received a very large delivery which we weren’t expecting (and I wasn’t told about until 2hrs before by my line manager) all managers received a text from regional manager which stated when deliveries are coming in shops are to be closed. He didn’t ring this info in, I just read the text.   When I saw how big del was (completely covered the floor, could barely move around it) I kept my shutters closed and proceeded to pack delivery away. The store remained closed and we lost 5hrs trading time. I didn’t seek permission from manager to do this, with the current safety precautions enacted (only allowed 1 customer in at a time as manadated by HQ) I didn’t feel this could be safely achieved with 3 members of staff in and all the stock everywhere.  regional manger calls into shop at 4:50, hits roof that it’s closed and storms out of shop after exclaiming I didn’t have the authority to keep shop closed.   Fast forward 1 1/2 weeks later today regional manager comes in at 4pm with prepared questions, I answer truthfully stated I didn’t think it was safe I had the best interests of business at heart that I had turned up for work every day since this incident and nothing had been said. He said that they will examine this information and can come back for more evidence if needed.    He goes away again and at 5:59 (my shift finished at 6) he came back in saying they’d examined all the evidence and that their decision was dismissal, I was to gather my things and there’d be a letter in the post with information should I wish to appeal.  quite a shock.   I will see what this letter states as their reasons I committed gross misconduct, I am a bit at a loss as to what I specifically did to be deemed gross misconduct.   I’ve worked for them for 10years, taken 2 days off sick in that entire time and had a faultless record   I’m just flabbergasted they’d immediately sack me for something which happened in unprecedented times when all I was trying to do was keep myself and my staff safe and safely make their store presentable and adequately accessible for all.   Any thoughts on the above? Obviously this is all too fresh as it happened only hours ago 
    • Hi KL1 and welcome to CAG.   You say the buyer contacted you saying, "...... he had seen it cheaper somewhere else and wanted to cancel the sale."   Do you have this in writing and, if so, in what format ?   It would be useful if you could tell us more about the item you sold.    
    • I wanted to report a success against UKPS that started in Dec 2018 and was concluded today.  I did do a bit of reading through this site for guidance though so thanks for that!    in Dec 2018 a family member reversed onto a private road in Coventry and waited about 1 minute or so to collect their partner.  Meanwhile the owner was loitering and waiting to catch anyone on his land with photos.  2 photos were taken about 40 seconds apart.   With my help I disputed the charge stating that the driver had not "parked" but had only stopped momentarily to pick up a passenger.  I did not state at any point who the driver was.   UKPS from Leamington Spa were trying to enforce this and insisted on the charge of £60 + £100 being paid.  I sent a 2nd letter confirming the position of the 1st letter and that no further letters would be sent.   4 threatening letters were sent from Debt Recovery Plus and Zenith Collections and duly ignored.  The last kindly offered to settle for £136!    Then a letter from Gladstones Sols threatening the same was also sent, and mentioned Beavis vs Parking Eye.  This was also duly ignored.   Finally a Letter Before Action was sent by email.  Aha!  Game on.  They cited Vehicle Control Services Ltd v Nick Idle and Vehicle Control Services Limited v Damen Ward and that stopping for any time is a breach, and it was only the length of time stopped that may affect the value of the breach.   I said that signage said no PARKING, not no STOPPING and that appropriate case law was JOPSON v HOMEGUARD where the judge specifically said "Merely to stop a vehicle cannot be to park it"   They then came back at me with an evidence bundle they were allegedly going to use at court against me, stated the signage was clear,  a nd repeated their "no stopping" case   I came back at them with the same as before and added that, in their world, someone coming onto the land and wanting to read the signage would have precisely NO TIME AT ALL to so as, according to them, even stopping for mere seconds was a breach.  I also threatened that I would claim costs for my wasted time in dealing the case.   Today they emailed me as follows: ---------------------------------------------------------------------------------------------------- Good Morning,   Thank you for your correspondence. We apologise for the delay in our response, however as no further action has taken place we trust you agree no prejudice has been suffered.   Please note that our Client has cancelled our instruction on this matter and the matter is considered closed.   No further action is warranted. Kind Regards ----------------------------------------------------------------------------------------------------   16 months on and UKPS gave in  
  • Our picks

conchy_joe

Welcome/Norwich Union PPI.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 497 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

does this match your spreadsheet


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I can't say, All I got back from Welcome in reply to my SAR was a photo copy of the original agreement, plus those two same day dated letters ( response/final response ), nothing else.

That's what prompted me to contact AVIVA.

 

I sent Aviva a SAR on 3rd of this month so maybe this cheque is an attempt to get the issue out of the way without any further ado.

 

The other thing is I originally asked Welcome to investigate the complaint under the Plevin rule.

I seem to remember an earlier post when I said I had worked the PPI out to around £700.

But as all doc's have gone I'm at a bit of a loss.

 

I'm not going to cash the cheque yet as it may be viewed as accepting their " offer ",

I'm hope the letter they mentioned turns up tomorrow.

 

If it doesn't would you recommend holding back until the SAR stuff arrives.

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

quite ok to cash it.

 

it invites contact so let await that letter

 

it wont be plevin as its the underwriter not the OC


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

OK thanks I'll go ahead and cash it and I'll upload the letter as soon as it arrives.

Share this post


Link to post
Share on other sites

Here is the letter from AVIVA, you'll notice the amount under " other " for £170. This I remember was for health care. Given that PPi was put on the acct why would health care be needed. I'm still waiting for AVIVA to reply to my SAR request, that deadline is 4th August.

img20180727_14281692.pdf

img20180727_14292158.pdf

img20180727_14362747.pdf

Share this post


Link to post
Share on other sites

Cant you do one multipage pdf?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I sent further SAR..06/08/2018 requesting copy of agreement which states " healthcare "

but still have had no response from AVIVA, ( they signed for it 08/08/2018 ).

 

As the amount is £170 and the interest over all these years could come to a fairly large amount

 

do you think this is why AVIVA are ignoring me.

I phoned the ICO and they said to complete a complaint form.

 

I just checked my email and found a message from AVIVA,

they've sent a document which is a breakdown from Cattles data which shows Medicare for £170.

 

This together with the previous breakdown on the Statement of MIs-selling Redress which shows an item for " Other " for £170 surely proves that I was mis-sold health insurance...

 

Should I send all my doc's off to the ICO and wait for a decision

or do you think I could put in a claim for mis-sold health insurance.

 

Ideally I would like a copy of the doc' that Aviva used for their calculations to nail it down but they seem to be playing smoke and mirrors.

Share this post


Link to post
Share on other sites

or the FOS?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

ask them why they have not refunded that too in the PPI reclaim

as normally its all counted as ONE sum inc healthcare

 

ignore the last post

wrong thread


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I was reading up post on healthcare and saw that you gave that advice to techcherry 30/7/17..don't know whether he took your advice. I'm fine with challenging AVIVA with the PPI/Healthcare thing, would putting a claim for the healthcare with spreadsheet be out of order.

Share this post


Link to post
Share on other sites

Following up on what you recommended in post #84, I'm going to write to Aviva asking why they didn't address the mis-sold healthcare but how long should I give them to reply, given that they didn't respond to my second SAR until I threatened them with an ICO complaint.

Share this post


Link to post
Share on other sites

depends if they consider it a new claim or part of your old one.

of you asked for it then it should be part of the old one.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I sent a basic claim letter but without a spreadsheet.

 

Just " I consider you have not treated me fairly, etc. and that I want them to refund cost of Healthcare plus the interest.

 

They paid back more than I claimed on the PPI so I'm hoping they'll do the same with this one.

 

I'm also going to post my progress with greedy pennies on that thread.

Share this post


Link to post
Share on other sites

you should have included the healthcare in the PPI claim

they ARE NOT separate.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

As I still haven't had anything back from AVIVA regarding the basic claim that I sent to them 11 Nov', not even a final response., would it prompt action from them if I sent in a claim for the Healthcare ins' but this time include a spreadsheet with the amount that I'm claiming.

Share this post


Link to post
Share on other sites

as long as you do it properly on the FOS Questionnaire I cant see why not


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

So you think that I should open an official complaint with the FOS.

Share this post


Link to post
Share on other sites

No


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Sorry I don't understand. I really would like to put in a claim but I don't know how to go about working out a spreadsheet with only one figure ( £170 ) to work with...with the compound method ( PPI ) each payment and date is entered and everything is automatically worked out. In this case I have one figure which goes back to 2001.

Share this post


Link to post
Share on other sites

You cant claim compounded int with ppi

Fos questionnaire + stat int sheet

As per that guide before calc ppipcm payment

Treat healthcare same as ppi


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...