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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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Pregnancy & Racial discrimination - what should I ask for?


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CMD was today. 2 days ago my solicitor's father died so she couldn't represent me until after the funeral. She works independently so no other solicitors could fill in.

 

I asked the tribumal judge for an adjournment but she told me to come in unrepresented or find someone else from my solicitor's firm. My solicitor works independently. There is no, "firm," per se. How unfair is that? The only reason the judge did not allow the adjournment was because the respondants had objected.

 

I contacted another solicitor who said she would step in (at 3 times the price of my original solicitor). But I didn't want to go it alone, so I was prepared to pay. I spoke with the other solicitor at length who offered to take the whole case on a no win, no fee contingency - or work something else out for me. I seemed happy with that.

 

Then yesterday the 2nd solicitor called me and said she had an emergency child care situation and couldn't represent me at the CMD. She advised that the best solution at this point was for her to instruct a barrister for me, but that it would probably cost me £800 plus VAT. At that point I considered representing myself. I had a Skype call with my original solicitor and she told me what to say at the CMD.

 

Not feeling totally confident, I contacted BarristersDirect and asked if they had any barristers who could represent me today - and if they could give me a deal. I got the barrister's clerk to knock a couple hundred off the price. I spoke with the barrister who to,d me to meet him 1 hour before my hearing. I felt a bit skeptical that he didn't want to see any of my paperwork before hand - as there are a lot of documents.

 

Shortly after I got off the phone with the Barrister, Solicitor 2 said that she found a trainee barrister who would work at a reduced rate. So I went with Barrister 2 and cancelled Barrister 1.

 

The CMD went very well, even though Barrister 2 was a trainee, she was excellent. I can't say enough positive things about her.

 

The judge has ordered the tribunal to start in mid December to last 7 days! Both the respondent and I are pushing For Judicial Mediation.

 

Now I need to figure out if I want to use solicitor 2 or solicitor 1. Will have a think over the weekend.

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how about solicitor 3 from a firm which can provide reliable cover?

 

I think I would agree with this.

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Having slept on it, I would also not be paying 2, and asking for a fee reduction from 1 in view of the rework you are going to have to pay for.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Having slept on it, I would also not be paying 2, and asking for a fee reduction from 1 in view of the rework you are going to have to pay for.

 

Excuse my typos in my last post. I'm on my iPad.

 

Solicitor 1 has agreed to a substantial fee reduction should this go on to the trubunal. She feels terrible for the situation, however her father died suddenly. She also acknowledges that finding a replacement for her did not come cheaply for me. She has offered to handle my tribunal case on a flat fee basis, discounting her usual rate by 60%.

 

I have not paid solicitor 2. She and the trainee barrister have yet to bill me.

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"Feeling terrible" and "being effective" are very different things. Look after your cash wisely! As solicitor 2 did nothing with an outcome for you.... and arguably 1 should pay for the barrister.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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  • 2 weeks later...

Hi,

Sorry I missed catching up on this posting for a while. God news that you've submitted your ET1 on time, do not believe that for a moment that HR are not and were not aware of your impending limitation deadline for issuing a claim, they are more than aware of the deadlines. Its something I deal with day in day out telling people to ensure they're legal rights are protected.

I would say although it can be hard work the ET often are very good for people who are representing themselves, I am very disappointed with the tribunal not allowing an adjournment to the CMD, this isn't common, they normally do allow it to be moved, after all it was quite extenuating circumstances.

Sorry to hear you are having problems with your solicitors, have you now sorted this out in going forward?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I got my grievance appeal results back this morning and it, not surprisingly, found in the company's favour.

 

The grievance appeal investigation brought to light that some of the points made in the original grievance investigations were "misrepresentations" or as I call them lies.

 

HR admitted to having very bad management, very bad communication and not providing me with the crucial training I needed - but they categorically denied that there was race discrimination involved whatsoever.

 

Despite them saying that there's been no race discrimination, they have decided to roll out diversity sensitivity training to all of management and HR starting next week. They have also decided to revise the equal opportunity policy - 2 things 7 things I directly stated I wanted in my ET1. If they're so sure there wasn't any race discrimination, then why bother with the training?

 

In light of the new information which came out as a result of my appeal, my solicitor suggests withdrawing the original ET1 and simultaneously submitting a new one with the new details.

My solicitor said that I should have waited until grievance procedure ended to file the ET1 but I did so because I did not want to be out of time.

 

The "last straw event" of my ET1 was that I was overlooked for a promotion. This happened in somewhere between end of March and Mid-may.

 

If I submit a new ET1 based on the grievance appeal results does this mean I am not out of time for the issue of the promotion?

 

Opinions, please?

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The diversity/sensitivity training would be for all employees and as it would appear that some things may be misconstrued in certain emplyees eye the company are covering this by the training, just because you asked for it dosnt mean that the company although doing it now accept that there was anything untoward in your case but I would suspect that when a person brings this up then most companies would carry out some training so that they can be seen to be acting correctly. it is very easy for employees to play the race card with or without any foundation and obviously the company feel that it is somthing that training may alleviate certain problems in the future.

If I have been of any help, please click on my star and let me know, thank you.

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  • 1 month later...

I have been offered a settlement. The settlement requires a "mutually agreeable departure." I am on a salary of £50K.

 

Initially the settlement was for £9,500. I counter-offered with £65K. They in turn have offerend £17.5K. They say the £17.5K is their 'final offer not open to negotiations.'

 

A question for the solicitors: How often are these 'final' offers actually final?

 

Also, I am drafting a letter to HR to reject their offer and couter offer once again. Would someone here advise on this letter? Is there anything I should leave out or add in?

 

Dear HR,

 

I have declined the meeting you have set up with me to discuss this matter.

 

The settlement you have put forward is not finically viable for my situation. I, of course, would fare better, staying employed until my maternity leave then returning to the company one year later, whilst concurrently seeking justice in the employment tribunal. Additionally, my solicitor advises me that there is new litigation to be submitted to the Tribunal this week.

 

That being said, your initial offer of £9,500 net being increased by £8,000 - now up to £17,500 net - tells me that a reasonable settlement, agreeable to both of us, is highly possible. With that in mind I am decreasing my initial request (£62,937.61 net) by £20,999.99, now down to £41,937.62 net. In addition I am also asking for a satisfactory reference.

 

In the spirit of an amicable negotiation I sincerely hope that it is possible for you to reconsider your ‘final’ offer.

 

If this is not possible, then I suppose we will proceed ‘as normal.’

 

Kind regards,

Disgruntled Employee

 

Thanks,

GP

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It's hardly ever a final offer. But they've increased it that much that they may not go much higher.

 

You know them better than we do - do you think they'll go up?

 

And if you have a solicitor, let them deal with it, it has much more weight.

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OK, understood. But any tips other than that?

 

It actually depends on what stage your case is at.

 

 

Think of it like this, the more you make them work and create paperwork (and lawyer fees) they will be seeing more and more cost.

 

I would suggest that you say no to all offers until the case is well progressed. The most costs are when the case is just about to go to court / ET so when you force them to get to that stage they will make 'an economic' decision on whether it is cheaper to settle or cheaper to fight the case.

 

It sounds like they are on to a hiding to nothing if they are making offers. The longer you hold out the bigger the settlement... maybe!!

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The status of my case... We went to CMD. I withdrew, due to stress. I am re-submitting this week and including victimisation in my claim. So essentially the legal process will start again.

 

Hello again.

 

If I might state my view, asking this of people on a voluntary forum is a huge ask, as your case sounds to be at a critical point.

 

Can you tell us what your lawyer thinks please?

 

My best, HB

Illegitimi non carborundum

 

 

 

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My solicitor thinks that I am likely to get a few thousand more pounds and that I should be happy with £20K. I would not be happy with £20K if it means that I am giving up a £50K job.

 

Should the case go forward. My solicitor has put together a schedule of loss for £20K.

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So you'll take reinstatement if it is offered?

 

ETa sorry, was confused by what you were saying.

 

I'd expect a max of 6 months salary in a compromise agreement - remember first 30k tax free - so I think you are being unrealstic in your ask. This is just my opinion, but I think your solicitor is steering you the right way.

 

but do not withdraw the ET until it is all signed off.

Edited by Emmzzi

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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I am currently employed.

 

I submitted an ET1 and had case management. I withdrew due to stress. Respondent applied to get my case dismissed under 25(4) but this was not allowed, (I think). "Case was dismissed upon withdrawal." So my solicitor and I are submitting a new ET1 with new details this week.

 

Last week my company offered me a settlement of £9.5K (net) and if I agreed it would be a part of compromise agreement and I would leave the company.

 

To further complicate the issue, I told HR about my intentions of going on maternity leave next year. And that I couldn't possibly contemplate leaving the company if it meant giving up my enhanced maternity pay. My enhanced maternity pay comes to £15K during my maternity leave. So a few days later they upped their offer to £17.K (net).

 

Even though they are being *******s to me at work... from a financial standpoint I would rather stay another 7 or so months and rack 7-months salary, then go on maternity leave and get my £15K, then come back 1 year later and go back on my £50K salary. I would rather do that then settle for £17.5K or even £20K

Edited by GenvievePipi
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Then you had best not take a compromise agreement.

 

does your contract allow you to take other work? Have you got written permission? are you in competition with your employer?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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I personally would not be risking my position by gross misconduct ie theft of time. Whether they use the time or not is their decision; you cannot sell your time twice however.

 

Really. I'd stop it. You pretty much lost your moral high ground there.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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