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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
    • I'm aware there are some grammatical and reference errors but the post expired before I could fix. I'd really like to know if I've made valid points or not. Thanks.
    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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Hello Everyone,


I wonder if anyone can possibly help me with this as it`s upsetting and don`t know where to turn


have been working in the NHS for over 10 years in many different departments, after a 4 years break i returned to nursing in auxiliary capacity in April of this year, i sent my CRB off an started work before it came back, 3 months into my employment on Saturday 11th July i started my late shift and was immediately called to the office where my ward manager and deputy were there, i sat down and my ward manager asked me if there was something i should tell her !! i told her no that i knew of nothing she asked me another 2 times which i replied no, then she said that an issue had shown up on my CRB, which i had no idea of, it was a motoring offense in the beginning of 2006, she asked me why i didn`t divulge the information and i explained that in all honesty i genuinely thought it would have been over when my ban was up in 2007 so was classed as spent after 1 year but i didn`t know that my fine would show up and that seeing as i wasn`t driving for a job or had hurt anyone nor ever been in trouble in my life i had no idea it would be on there and that i in no way hid it from anyone an i apologized, an explained that it was not in my nature to lie or hide anything, she said she was going to seek advice from HR, and was told to go back to the ward, i ended up with a severe migraine and had the following day off, the 14th was my day off and she rang me at home and ask me to come in for a little chat about the issue, i went there and my manager and deputy was there, she told me that unfortunately my contract has been terminated, i told her again that it was not intentional, she explained i would be missed and that she had nothing but praise for my work and that i was one of the best workers and was so sorry to see me leave, i am devastated at the outcome and did not hide it intentionally, people have said that HR should have been present and that she should have been able to produce some documentation to support this, nor was i told at any time i could have representation with me an was led to believe it was an informal chat, is there anything i can against this as i love my job and would love to keep it even if it meant 6 month probation in work.

I have recieved a letter from my ex ward manager saying that i had been relieved of my post due to an issue of trust !!, my colleauges are still in touch with me and want me back and patients are still asking my colleauges if i will return and sending their regards to me, I feel it`s such a shame when driving was not part of my job, and that i can see their point of view regarding trust i have never in any position been untrustworthy on any occasion as i would never jeapordise my position and consider myself a very honest person as well as do ex colleauges and ex managers, i would love to be reinsated into my position and wondered if i could contact the head of medical services or my ex ward manager and ask if i could be re employed even if on a 6 month temp contract i dearly miss this job as i loved it and gave it 100%

Any help you could give me would be very much appreciated

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You really need to see an emploment lawyer, I can believe that they would let you go for a driving offence, although you dont state what the offence is - so maybe it is more serious than you are letting on




Getting There Slowly



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

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i can see their point of view regarding trust


There are three main reasons for a driving ban, the two most in the news are excessive speeding and drink, the third is much more serious, so unless it was this third reason, I can's see why it should matter.


You should take the above advice and see a lawyer.

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The ban was in 2006 and was a 1yr ban so classed as spent in 2007 but apparently the £50 fine even though was paid remains on file for 5yrs !!


It was a family barbecue and many family and friends were at my house unfortunatley the road is rather narrow and a car couldn`t get through as my sons car was blocking the road slightly, a very irrate driver was beeping the horn and reving his engine i grabbed the key and moved the car a few inches which took a few seconds, the driver of the other car said thank you and drove on, only to pull in a few yards up the road, he was a poice officer in an unmarked car who done a road side breathalyser and i was 1 over the limit, so arrested and charged for drink driving !!, i don`t drive have no licence i was just doing it to save problems, which caused me bigger problems

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The issue here is not the driving offence, but the failure to declare it in your application. It looked like you have lied and been found out when they did the CRB disclosure.


For a CRB check, offences are never spent.


When applying in future, be up front about your conviction. It shouldn't affect your employment chances.

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Thanks for all your advice, but i honestly didn`t lie about it, i didn`t think about it if i had known i would have been upfront and told them, i did explain this to them and apologized about it, i did not hide it deliberately and wouldn't do that, honestly thought it was done and dusted...

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