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    • Peter,   I thought overdrafts were payable on demand ?  
    • I'm sorry but this may be a long post but I really need some advice : My son has been working on a fixed term, claims based contract which usually finishes at the the beginning of January and then employees are asked back.. Unfortunately I was sent home from work to self isolate due to being in contact with a positive contact .I then started to feel unwell and sent for a test which unfortunately came back positive so my son had to also isolate. During this time he had kept his employers informed that he was having to self isolate and that I had received a positive and he had ordered a test and was being tested. (which actually came back positive) This is where it starts to go wrong ,although he had contacted work and gave the names of the colleagues who he had been in contact he sent an email (or so he thought) informing them that he was positive .It was not until he returned to work that he realised that the email was sitting in drafts. The app said that he had to isolate until 28th (he went to work on 28th) which he showed them when he got to work, however it does say that you have to isolate 10 days from the test or from when you start displaying symptoms so he had been isolating for 14/15 days. He was sent home as no one was aware of his test result and was told that the manager would contact him to arrange to speak to him but she was currently on holiday. He sent an email explaining all the time lines .He did not hear anything back until last week asking him what shifts he would be available for in the new year, all good we thought but then he received a letter yesterday stating  "After a thorough investigation relating to your conduct upon receiving a positive COVID-19 test result, the decision has been made not to offer you further employment " He replied saying that he did not know that there had been an investigation and requested the copies of the investigation. The reply was " "as you are not currently in the employ of ---------------there is no legal requirement for me to provide evidence for this. However in light of your request for information, the following informed the final decision:" The absence of communication with a manager upon confirmation of a positive COVID-19 result The absence of communication with a manager to arrange your return to work following a positive COVID-19 test result The high level of risk to people and business associated with the two points above The approach to communication with colleagues and management upon your return to work We have a duty of care to protect our employees and members of the public, and as we continue operating within this pandemic we must be able to fully trust our team to follow correct procedures at all times. Can anyone help please ? Do they not have to provide evidence especially he was not given the opportunity to defend himself.
    • Hey guys - I've read a fair few of the Hermes related posts but hoping you can guide me here.   I paid Parcel2Go to ship 2 speakers to me, via ParcelForce from an ebay seller (Value £170 + £33 shipping) I stated on the form it was 2 speakers, and having been told that these were protected for loss only, I took out their insurance (£9 cost) The seller packed them according to their packaging tips page - two layers of corrugated cardboard and some corrugated plastic cushioning (4 layers).    They arrived badly damaged - the base smashed on one, cracked on the other. Dents on both. Looks like they had been dropped several times from a reasonable height.   Parcel2Go are now saying that they class these as Musical Instruments and that they must be packed in a hard case.  As such they will not pay anything towards the damage. After searching through several pages, and buried links, I've have found this in their terms but its buried pretty deep, and wasn't at all clear in any correspondence, or during the booking process.   Do I have a leg to stand on in terms of making a claim in small claims court? Really disappointed in the terrible handling of both the parcels and the complaints process.   Thanks for any advice - its very much appreciated.    
    • So then the guide is incorrect. I don't have duplicate entries on my credit file even from the piggybank loan which is the only one of the 3 that i'm aware of being sold.  I'm subscribed to all 3 so have checked them all. So 2 of the 3 PDL's are not with DCA's and the same 2 companies are in administration and from what i read that means they can be removed.  I will re read the guide but am sure that applies.     "If the company who reported this info doesn’t exist anymore – Then you have a right to have the information removed by default. Its only in the case of where it hasn’t been picked up by a Debt Purchaser."
    • Yes, had no symptoms,  just took the test in case I was positive, and didn’t want to spread in case I was positive and carried on working.   On the test instructions leaflet they gave me with nothing on the back to say you should isolate now till you get test results.   so don’t know where I stand, I believe I haven’t broke the law.   as I believe there might not a employers covid testing policy in place, and not signed a document. I have read about what to do etc. I cannot check as suspended, but will ask for a copy.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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I think it is statute barred, the date of sale has nothing to do with statute barring, the statute date is the last time contact was between you and the lender by way of payment.... if they say £1 was paid towards it just before it was sold ask for proof of who made the payment, you are entitled to this information.

 

 

I asked for this information from the catalougue today and they could'nt tell me the last time a payment was made to the account as they don't have the info,just the date the debt was sold on.

So i'm sending the statute barred letter to provident,let them prove otherwise.

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If its a catalouge company they won't have a valid credit agreement from before 2004 anyway.

 

JOgs

 

 

That's what i thought when they could'nt tell me what the last payment date was,if they had proof of the debt they should of been able to fulfill my qestions,not so.

 

Oh and i just learnt that wescotts status changed today to current,but it's pending,now i'm confused,phoning the OFT again in the morning i want to know what that means exactly.

 

I was pretty certain it was a sb debt anyway,i felt dissapointed to learn the default date,now i learn i was correct it's from the last payment and that would of been a time when i was in hospital,that's how i can pinpoint the date of last payment.

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The original debt is discounted by 10% and the offer is pay back the discounted amount, interest free over 25 weeks or 50 weeks, debt cleared credit file cleared, what's the problem?????

Don\'t let the B**tards grind you down

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The original debt is discounted by 10% and the offer is pay back the discounted amount, interest free over 25 weeks or 50 weeks, debt cleared credit file cleared, what's the problem?????

 

Firstly provident are not a collection agency.

 

It's against the law to put pressure on a debtor to take out more credit to pay another,when they can't afford to.

 

Secondly it's a statute barred debt so it drop off my credit file soon anyway.

 

I thought we were all on the same side here,do you work for them?

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The original debt is discounted by 10% and the offer is pay back the discounted amount, interest free over 25 weeks or 50 weeks, debt cleared credit file cleared, what's the problem?????

 

Maybe they dont want to repay or dont have the money to repay?? :rolleyes:

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No, wife got same offer for GUS catalogue debt.

Have taken up the offer to clean up credit file.

 

you may pay em but if you have had a default registered then it is there for 6 years anyway

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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I don't have the money,and as the default has been on my file since 2004 it makes no difference.

It will drop off in a year,iv'e no wish to get credit i can't afford.

 

If i were to take the offer then could'nt pay it,i restart the timeclock on the original debt and have the problem of another creditor chasing me.

 

So all round not taking up their generous offer leaves me in a better position,they can't legally enforce it through the courts because it's statute barred.

 

All they can do is sell it on for someone else to beg for the money.Then i can report them for chasing an SB debt.

 

I'm in a win win situation.

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Just been reading through this thread.

 

I'm a Provident customer & my agent was out earlier. We get on well & he knows I've had debt problems in the past so he told me that provi have bought Wescot & that it will be local agents calling on people.

I told him I didn't think that's right because a lot of people will have good relationships with their agents but now it seems that they're turning into debt collectors. I told him that if it was anyone else I would tell them where to go but I wouldn't tell him.

His advice if he was to ask me anything was not to admit the debt & say I know nothing about it.

He's apparantly been told that while an agents is going to a house anyway, more people might pay old debts & he also said they will be offering plans.

I was actually very p'd off about that & if it comes up, I have no intention of paying, I'd be more likely not to pay my provi debt.

I know my agent well enough to know that he won;t hassle me but I'm sure they won't all be so good.

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Well well well !!! thank you for that info,i knew there had to be more to it.

 

I even had a good poke around on their site and could find nothing connecting them to a DCA.

 

A new intimidation tatic although i have to admit they are alot nicer than any other DCA i have had the misfortune to deal with,seems DCA's are getting very desparate.I will admit the agent that did call on me was very nice,but knew nothing of Law or guidlines.

I have heard nothing back from them since the housecall,i'm sure your right that won't all be as pleasant because they rely on their commision.

 

Your very fortunate to have an agent that is pleasant as most are i'm sure,but now watch a change take place now they a DCA.

Especially any new agents they recruit.

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Theres been nothing in the news re westcot and provident but several threads are mentioning that the provi are collecting on westcots debts, so whether they have "bought" them out or not is debatable, however if the Provi wants to disgrace itself by becomming a DCA thats their look out - the same rules apply to then as to other DCA's No Doorstep collecting

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I had the same letter from Provident last year. Being a muppet and not being sure of what to do I paid them up, only after getting a discount of over £80 though. Now Wescott are chasing me for the debt again, and are ringing me every day ...

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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HI, I have just had a similar experience so I thought I would share my own findings/info. Any help with my questions at the end would be appreciated...

 

3 days ago I was in my house and there was a knock at the door. The person there said they were from Provident Personal Credit and they wanted to speak to me about two outstanding debts.

 

These debts were for companies who I had delt with in the past (approx 5 years). When I spoke to the person at the door they didnt have a lot of info, no reference numbers or paperwork they could give me. Only amounts and who they were originally with. They wanted me to sign up there and then for weekly payments. I declined as there was no way I was signing anything without looking into it fully. Especially for some random person at the door. I said I would look into it and be in touch. (They seemed to be indicating that I had until the end of the week, at which point they said "I dont know what happens, it could go to court")... which i'm thinking is a scare tactic.

 

When I told my wife about this she said that as far as she knew Provident only supplied loans. They sell them to people who need them on door to door visits with high interest. This was news to me and so initially it seemed like they might be trying to con me into signing up for a loan (£20 per week on 1 payment and £18 on the other).

 

Anyway, a little more digging yesterday and I found out that the company who supposedly passed Provident the debt are Wescot. I found this out when I spoke to the guy from Provident again and while i was speaking to him i asked who he is telling me I owe money to. He said Provident. I then asked if they were trying to sell me a loan, and if the 2 amounts discussed were total amounts or would have interest added.

 

The response was that the amounts were totals and no interest/charges would be added. He also said it wasn't a loan... it was a plan to get my credit rebuilt and if paid off i could have a loan with them in the future.

 

So, based on the other info in this thread it seems like they do think I should be paying, that its not a [problem] as i first though. My next task is to find out if I still actually owe anything on those accounts, or if they were cleared as i think they were. (Who knows what random charges have been added in the last 5 years to increase the "balances"!)

 

Also, does anyone know what I can do whilst investigating this (i will settle the debt if owed), for other companies i would send them a recorded letter with either statute barred notice (if it applied) or "i do not have a debt with your company" letter to buy some time. Provident dont seem to have an office though... or not that i know of other than their HQ. So if the guy comes back and I give them the letter there is no way to prove i did? Any suggestions. (I live in Scotland)

 

In the mean time i'll be trying to find the paperwork from the original accounts and call to find out the date of last payment and balance at that time.

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If you're in Scotland the Statute Barred period is 5 years. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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uiop.

 

You "MUST NOT" deal with people calling at "YOUR" home claiming that you allegedly owe money to them, or any other organisation they claim to represent. Tell them to go away and to contact you only in writing, do not give them any information at your doorstep, especially acknowledging alleged debt.

 

You must check your files etc. to see if there is anything outstanding, when you have done that, then it can be dealt with appropriately with advice and guidance from the site team and caggers.

 

There are plenty of template letters for you to send to them if you check the CAG Library. You must not allow these people to cajole you into thinking you owe money to them. "THEY have to prove to "YOU" that you in fact do owe monies, "YOU" do not have to prove to them you don't.

 

Remember all letters to them to be by at least signed for delivery and DO NOT sign them. Print only.

 

 

"EXEMPLO DUCEMUS"

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Theres been nothing in the news re westcot and provident but several threads are mentioning that the provi are collecting on westcots debts, so whether they have "bought" them out or not is debatable, however if the Provi wants to disgrace itself by becomming a DCA thats their look out - the same rules apply to then as to other DCA's No Doorstep collecting

 

 

I have found nothing to substaniate the rumour that wescott have been bought out by them,i think they just got a thing going on.;)

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Thanks JGJ, in terms of writing to them, because its the door to door person that I am dealing with and they wont give me any local address. Do we think that writing to the Head Office is the best course of action?

 

Also, thanks everyone for the info in this thread. I am sure it will help a lot of people as it has myself.

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Thanks JGJ, in terms of writing to them, because its the door to door person that I am dealing with and they wont give me any local address. Do we think that writing to the Head Office is the best course of action?

 

Also, thanks everyone for the info in this thread. I am sure it will help a lot of people as it has myself.

 

I sent my letter to head office,may of been the reason the agent was'nt aware of it.

I'm pretty sure it got ignored,but they have'nt got back to me as yet.

 

I had to giggle at a line in your post,'it's a debt repayment plan and if you pay it,you can have a loan in the future from us'.Touting for future buiseness too.

 

With the interest rate they charge,no thanks.

 

Have you complained to TS and OFT?

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Have you complained to TS and OFT?

 

Hi, at the moment no. Once I have the full info I will though... i am quite sure that many people would just panic in this situation and sign up. Especially when they throw in the mention of court. That shouldnt be allowed to happen.

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uiop,

 

Yes address is,

 

Provident Personal Credit Limited

Colonade

Sunbridge Road

Bradford

West Yorkshire

BD1 2LQ

 

Their in house SOLS.

C.K. Edrupt & co Solicitors

Water Lane

Bradford

West Yorkshire

BD1 2JL

 

"EXEMPLO DUCEMUS"

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