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    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
    • There were 1,348 company insolvencies recorded in August 2021 in England and Wales, according to the latest figures published by the Insolvency ServiceView the full article
    • Do not appeal. Please can you complete the questions below. If their NTK is wrong they cannot transfer the liability to pay from the driver to the keeper. If they do not know the name of the driver then they are stuck. No-one to claim the money from. In any event most of the roads on the airport  either come under the Road Traffic Act or the airport Byelaws. if they do then not even the driver is liable since Apcoa has no right to issue tickets for either of those type of roads. But they still do and people still pay them.     
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Ingeus


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Turns out the Job Centre "misplaced" my last insurance line/fit note, thought I just decided not to hand another in and didn't think to pick up the phone or send a letter to see what was going on. They're claiming they never received it and have only paid me up until the 18th of this month. I personally handed the thing to them last Thursday. Idiots :evil:

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Always take a copy of a fit note. I have heard some people have supplied copies of fit notes but I can't attest to that. If you take it in personally make sure they stamp it and it doesn't do any harm to ask for a receipt

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Always take a copy of a fit note. I have heard some people have supplied copies of fit notes but I can't attest to that. If you take it in personally make sure they stamp it and it doesn't do any harm to ask for a receipt

 

I didn't know you could do that, I'll be asking for that from now on!

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Also got my third letter in from DWP regarding missed Ingeus appointments. One dated 22.02.16, another 24.02.16 and the most recent 25.02.16.

 

I have replied in writing twice and also phoned on the number provided to clear this up, but I'm guessing that every time I get a red flag cleared from my file, my Ingeus adviser reports me again and another pops up on the DWP system. I did tell the woman on the phone that I had filled in the JSA28 form and she looked at my record/file and was happy to remove the report from Ingeus, but if it's so easily seen when they look me up, why can't they do that before sending me letters/text messages telling me that I need to contact them ASAP or my benefit will be affected.

 

I suppose I'll just need to speak with someone in the job centre when I go to hand in a duplicate fit note on Monday. Hopefully it'll put an end to this.

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Sounds as though they're doing it on purpose. What a waste of their time and that of the DWPs when the DWP could be dealing with people who are actually missing appointments.

 

I'm 99.9% positive that my Ingeus adviser is doing this on purpose. She looked so snarky when she booked me in for four 2 hour long job searching appointments and now I don't have to go to them, she's ****ed off and wasting everyone's time to try and get back at me.

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I did tell the woman on the phone that I had filled in the JSA28 form and she looked at my record/file and was happy to remove the report from Ingeus, but if it's so easily seen when they look me up, why can't they do that before sending me letters/text messages telling me that I need to contact them ASAP or my benefit will be affected.

 

It is probably an automated system that doesn't bother cross checking data before sending out the letters.

 

I'm 99.9% positive that my Ingeus adviser is doing this on purpose. She looked so snarky when she booked me in for four 2 hour long job searching appointments and now I don't have to go to them, she's ****ed off and wasting everyone's time to try and get back at me.

 

You need to start the formal complaints process in writing. You should have received a copy of the Ingeus complaints procedures, if not, ask this "adviser" for a copy to be posted to you as soon as possible. When you start the complaint, copy the DWP in on it so that they have a record to add to their list.

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Anyone know any of the latest gossip as to what is happening internally at Ingeus with regards redundancies etc.? (I seem to remember there was someone on here who had some knowledge).

 

..believe it or not, by chance I happened to be in a train station bar about a month ago (in a northern city which shall remain nameless!!), and there was a group of Ingeus employees having a meeting/discussing redundancies! Couldn't earwig very well unfortunately, but this happened on the same day as my regular appointment had been cancelled, so seemed to tie up with the Ingeus sinking ship theory!

Edited by Skyro
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Ingeus business model was never sustainable they just took the cream at teh start of the contract and now just left with the cheese, they do not get paid for bums on seats any more and as they are incapable of producing results by helping people into work they are struggling, my local office has recently dramatically down sized into smaller cheaper premises.

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I worked for Ingeus 4 years ago.

 

I googled them and this was one of the sites that came up. So I've joined just to say I agree with the last post by trebormoinet.

 

Ingeus' business model was screwed from the getgo. Despite the impossible targets I was given, everyone who came before me fit real easy into one of three categories - (bearing in mind they only got referred to Ingeus after having had 12 months to sort themselves out and find a job)

 

Category 1: Too insane to ever seriously expect to work or be necessary to normal society.

 

Category 2: Those genuine poor sods over 50yrs old whose industry died and really REALLY want to work because their whole self-respect was defined by getting up in the morning and earning a pay packet to support their family and feel they had a stake/status in society, but never stand a chance of work again.

 

Life sure isn't fair.

 

I'm glad Ingeus is probably going tits up. But you can't blame all us advisers .

Edited by Mr.P
Removed the inflamatory/derogatory sections. Please read the forum guidelines.
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I think with Ingeus (plus the rest) you may get a minority of decent advisers who are genuine but the rest are just interested in getting as much money as possible for themselves and the company

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Hi, can I just ask CAG admin who edited my post?

 

That's a bit weird isn't it to do that? I mean to take people's words and edit them to change the meaning?

Is this site some sort of Soviet newspaper?

 

Frankly, I find it quite frightening that a poster's words can be edited to suit a random admin's agenda.

 

I'd expect this if I was posting on something like Daily Mail, but not on a site like CAG which seems to be so painfully Left Wing?

 

What's the reason? Can someone let me know please. It's actually unreasonably irritated me.

 

(PS, Admin - please have the decency to answer me in-thread rather than sending me a PM to tell me why, as I think any new poster has a right to see the kind of people allowed to be in charge of a site like this).

 

Thanks.

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tolkester, your post was edited to remove inflammatory/derogatory remarks. And, if as you say in another thread started today that you are a reincarnation then you will be very aware of the Forum Rules.

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tolkester, your post was edited to remove inflammatory/derogatory remarks. And, if as you say in another thread started today that you are a reincarnation then you will be very aware of the Forum Rules.

 

Who decides what is "inflammatory/derogatory"?

 

You?

 

Random Cag Admin?

 

I remember when it was "inflammatory" to say that the earth was round.

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CAG Admin and Site Team make these decisions. Plus, you know fine why your post was edited so don't bother with the whole "come see the violence inherent in the system!" nonsense.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Hi all, really quick update as sadly there's not too much to update on.

 

So as mentioned my area is cutting staff by 50%, that's across the board as in advisors, admin, EPCs, MWA advisors and facilitators. 4 offices are being closed in the area as well.

The consultation period started today - with everyone having this week to take voluntary redundancy.

 

Consultation should last until Easter, as I know reps are going round the offices speaking to everyone concerned. The main reason is that the business model is no longer viable - funny they say that now and yet the target of 21 clients in work each quarter hasn't changed!

 

Final decisions should be first week in April.

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This doesn't surprise me sadly, but the targets were nigh on impossible to attain and totally inappropriate for dealing with people rather than sales targets.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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Yes I completely agree - what I've found very scary is that the next level of management - PDMs (also up for redundancy) still don't see the issue and are adamant that targets are there to be hit.

There's no support at the moment and even at this stage, people are being set up for disciplinary action should those targets not be met.

 

Last week a company director visited from London - and it was very clear to see why he company is failing so badly, he had no concept of the challenges of finding any form of work in this area, let alone 7 people into work per month.

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Consultation is a misnomer - they already have made their decision and need to back it up with 'evidence' that this is what claimants want. TOSH.

 

Claimants want to be left alone to do their own job searches, their home computers are often faster and able to connect to more sites than the ones in the job centre.

 

All this 'witnessing people doing job searching is trying to find a way to get you on a worthless course. I got sent to a PC course and the trainer was somebody I had trained. He took me to one side and said he would have a word with the idiot who sent me to the basic course....he did and luckily I did not get a sanction for not turning up.

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Yes I completely agree - what I've found very scary is that the next level of management - PDMs (also up for redundancy) still don't see the issue and are adamant that targets are there to be hit.

There's no support at the moment and even at this stage, people are being set up for disciplinary action should those targets not be met.

 

Last week a company director visited from London - and it was very clear to see why he company is failing so badly, he had no concept of the challenges of finding any form of work in this area, let alone 7 people into work per month.

 

I think the PDM's are looking at this from a quite personal standpoint, if they're seen to be facilitating a reduction in the targets then it's their neck on the line.

 

In some respects it would seem there's been a slight reduction in targets since my time there, only by one per month though - we were expected to get 8 people into a job each month.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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