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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Laws on recruiting/hiring graduates from select establishments


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I am a UK based commercial pilot who has just landed my first job after nearly 4 years since graduating. Myself and my peers (late 20s, early 30s) have suffered long and hard due to lack of opportunities. During this period, 4 out 5 UK airlines were busy hiring pilots who completed their training at the airlines' "preferred" schools. Yes, guys who started their training 2 years ago were flying a year later whilst applications from us were not even invited ! That’s right, these jobs are not even advertised. The qualifications achieved by us are identical to those who have gained them at the "preferred" schools with one difference, the other guys paid approx double the price we did and at flight schools who are headed up by former employees of the airlines or best buddies of those who head up the recruitment departments at airlines – The “old boys” network.

 

The other graduates are primarily 18 to 22 year olds (much younger). Upon graduation the vast majority go into their first jobs with over €100,000 of debt and thus are keen to take up whatever offers the airlines lay down on the table in order to start earning and paying the debt off. The airlines offer them deals that capitalise on their relative naivety and lack of need for job stability and good conditions. The only offer is a summer contract (with a promise of offering the same the following summer) paying by the hour worked, and the airline gets to decide when you work! Furthermore the contract stipulates that the airline can base you anywhere within Europe with 1 weeks’ notice and the cost of relocating and living is entirely yours! You can see why these guys are preferred over 30 year olds who require a steady salary and a basing policy that offers some sort of life stability.

 

Airline pilot recruitment in this country is so heavily price and policy fixed (you can only get a job now if you go to one of 2 big schools) that it favours those who have no other objective in life and will do it at any cost to their future (debt for 10 years). Those who choose to do their training at smaller schools, often part time to work around family/work life and above all debt free, are ignored by the airlines who cite lack of “training continuity” as their primary reason for rejecting us, even though we pass the same exams and the same flight tests (often with the same independent examiners!) to the same standard. There is only one standard – that which rewards you with a qualification.

 

This practise might sound horrific to a lot of people but is now the industry norm. The public relishes cheap fares but the only way these are achieved is by the airlines following a 'hire the cheapest labour' policy even if it means blatant age discrimination. These young pilots don’t complain for fear of losing their only means of paying of debt but I’m a little different in that I have an alternative career and though I love my new job, it’s not everything. If I can fight for what’s right, then I’ll do it.

 

I have 2 questions:

 

Can the airlines reject candidates based on WHERE they completed their training, even though it’s to the same qualifying standards?

 

What can be said about a recruitment practise which by design only attracts those of a lesser age and who don’t mind becoming heavily in debt? Is this not ageism by proxy? What can be done about it?

Edited by NadJ
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First of all, let me congratulate you on both obtaining your ATPL (even if it's slightly belated), and landing a job in the industry... Costly, but rewarding!

 

Now, a few large airlines have their own training schools or have pre-arranged agreements with training academies. British Airways has just launched the ''Future Pilot Program'', a sponsored pilot training scheme. They choose young graduates and finance their ATPL, thus guarantying a position upon the obention of their license... and a longer return on investment.

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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It seems that you've already answered your questions but...

 

1. Yes, because a Company can use whatever criteria they like in recruitment as long as it isn't discriminatory and they would contend that 'training continuity' is their highest priorty and that this is their reason for selecting employees from the 'preferred' schools.

 

2. It can be said that such a practise will be likely to attract employees who could be prepared to work on inferior terms. Unless you can evidence that the 'preferred' schools will only accept candidates under a certain age, it's unlikely that anything can be done about it.

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...and as for the rest, 'Mariefab' said it all!

 

:first:

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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Sorry, allow me to clarify. The training continuity is what they cite but the reality is different. You can do your training in a continuous manner (not part time) if you choose at your choice of flight school. The difference is their preferred schools don't allow it as a matter of policy. In reality it's just smokes and mirrors designed to line the pockets of their buddies at the bigger flight schools whilst taking advantage of outside industry ignorance.

 

But again, does it not matter the regulating bodies accept both styles of teaching in order to grant a license? yet the airline can discriminate by favouring those who have completed their training at the bigger (buddy buddy) schools?

 

Airlines are able to price and policy fix how much we pay for our training by teaming up with horrendously expensive training establishments who have sole exclusivity for sending graduates forward for jobs. Is there not even an anti-competition argument here? It is accepted as a professional qualification by this government yet employment opportunities will not come your way unless you line the correct pockets along the way. I dunno, maybe I'm naive but it just doesn't sound right.

Edited by NadJ
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