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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 so 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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Attending grievance/disciplinary meetings at work


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Following on from my other posts.....

 

I've had three previous meetings with my employers over a grievance I raised almost a year ago. After the last meeting (I recorded it) and especially with the run up to it, enough was enough and I have now escalated it to an ET.

 

Since starting my ET and on the same day they would have recieved a copy of ET1, I've had three different requests to attend three meetings, with three different people including capability and gross misconduct. I've already told them I hold no trust and confidence in them and I believe they are clearly incapable of following the rules and procedures and are making it up as they go along.

 

With regards to the third meeting. I have already confirmed that I wanted to make a formal complaint when I had the last meeting that I recorded - I've told them numerous times I want to go ahead with it and have put it in writing at least 4 times, but they keep saying I need to do agree that I do want to go ahead and keeps going around in circles :roll:

 

The question is, do I have to attend these meetings or even allow them to amend things now I have started an ET claim? I hold absolute no trust or confidence in them and IMO they have shown they are incapable of holding fair and honest meetings without malice and discrimination.

 

On a last note. When I had previously requested a copy of policy and procedure on grievances, I was told that no such thing existed. I now have a copy of what they say did not exist in my posession :roll:

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I am getting mixed up here John, as I am posting on two threads i think. Can you put in for an ET1 without knowing which law your complaint is about. As I had six years to suffer this, and there around 12 incidents, I think I outlined them in an earlier post. If not I will go to the LRA, and take an Industrial case....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Lily, you do not have to go but as I said on your other thread the Et may reduce any claim if you didn't allow your employer the opportunity to make good. So I would go. But I would progress the ET at the same time.

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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On another thread now, I had been butting in on this one.......can't go for the ET, as I don't know what law or what I would be claiming under, until I see the greivance decision.....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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A brief update:

 

I've not heard anything at all from my employers about any dates, whats happening, etc. I sent a recorded delivery letter to which they replied by email then promptly blocked my email again. They claim they have sent emails and letters with dates and times of hearings and that I have not replied nor attended these meetings. I've not received anything and asked for the post tracking numbers but they just stated that i will shortly recieve the outcome to these meetings which were conducted in my abscence....

 

I recieved there Solicitors ET3 which is laughable, although they claim they have covered everything and are requesting the ET has no jurisdication to hear the case, dismissing my claims as time barred, ridiculous and request for costs.

 

Should I hold on as at the moment I feel like quitting the company before I am GM or is that what they want? Would it change my claim that much if either resigned under duress or should I continue to let them suicide my job out the door?

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Hi,

 

I would always say hold on for as long as you can, the moment you resign you loose a lot of employment rights, that while in employment you still have. Let them dismiss you if that's what it comes to, Unfair dismissal is much easier to prove that constructive dismissal. In terms of the ET3, they are always going to write that your case has no basis, they are not likely to admit to it at the first hurdle!

 

Dont worry to much about what they say, about the tribunal, as they will try to put you off. Say they will recover costs (which is extremely unlikely they would win)

 

Regarding your claim, I dont know what your claim is for to see whether it would change it. I guess its on another post.

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

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