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    • Wouldn't it be simpler not to bother with an Employment Tribunal?  Your wife leaves on 31 July and then you sue them in the small claims court for wages ( plus any filing fees ) from 01 August to the leaving date she originally wanted.   I see this as a simple money claim, not an employment issue.  They might not even defend it.
    • Hi all,   Looking for a bit of advice if possible.    Short overview: - Had a Vanquis debt for 2k from 2010 which up until 2016 i was paying amongst others via debt management company. I cancelled my debt management plan to tackle the debts myself which was effective all except Vanquis from whom i had no contact from until 2 months ago when the debt was sold to Lowell. I sent off a CCA request to Lowell and they sent me a Digital Signature Application which is the same format as the one i have posted below. They also sent a set of Terms and Conditions, which had not date on them APR rate etc. To get this matter cleared up i offered a settlement figure of £500 which of course they refused, and sent me a counter offer with a 20% discount. This is as far as i have got with them to date, i did not respond to counter offer and am awaiting their next move.   I had the default that Lowell put on  my credit file regarding the above account, removed by Experian. I wrote to Experian and said that Lowell could not prove the debt was mine and that was all i wrote. A  correction was put on my credit report and the default from Lowell removed, the correction has now dropped off along with the default. As far as i am aware Experian would of contacted Lowell with my dispute and Experian could only remove the default from my credit file with the lenders permission.   I quote from Experian website "If the lender realises their data was incorrect, your report will be updated to reflect this. Note that we can’t change or remove a default on your report without the lender’s permission. However, we’ll do everything we can to help you sort out a dispute."    My question really is, do i have any leverage with Lowell? I would like to settle the debt but do not want to have to pay these bottom feeders any more than i have too. Does the fact that the default being removed from my credit file mean they can not prove the debt  if i was  to take it as far as court? What i am hoping for is to get a low low settlement offer from them so i can clear the debt and move on.   Any help or advice, points of view would be greatly appreciated.
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    • I can't click the 'click me' link. I've managed to delete all personal info, but the file is 6.5mb as they put 7 letters into one file and I can't delete any pages. I moved house so will not have received most of the letters.  Just looking at the dates it looks like they may have confused the issue date and the date of the offence etc in the last three letters they sent, but it may just be wording. I will see if I can compress the file
    • Yup I wondered about that!        
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spork

DPA Sent Yesterday

style="text-align:center;"> Please note that this topic has not had any new posts for the last 5195 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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Hi

I have spent several years suffering and putting up with the banks ruthless determination to rob me of every penny I have. To the extent that my credit rating is shafted, I am having to sell prized posessions in order to keep afloat and more recently my marriage is suffering and my kids think I don't want to spend any money on them!

 

Not any more.

 

 

I've read the FAQs, and the various forums and I'm not prepared to allow this daylight robbery to happen to me anymore.

 

Good luck everyone and well done for having the strength to fight.


Cahoot DPA Sent 070406

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WELCOME and good luck .keep us posted as to how it's going.


When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Today I had the following email from Cahoot.

 

Dear Mr Spork

 

I am writing with regards to your recent letter concerning charges applied to your cahoot account.

 

In your letter you are specifically interested in is the charges applied to your accounts since they were opened. I can confirm that the charges on your accounts have been as so:....................

 

 

Then a list of the charges and dates. There is no indication of what each charge is for and no way of confirming wether is it accuarate or not, especially as some of the dates appeared to be mixed up.

Anyway the total amount comes to just around £1450. I am surprised at this as I thought it was a lot more.

 

I am inclined to remind them that the clock is still ticking, any suggestions? .


Cahoot DPA Sent 070406

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This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


Cahoot DPA Sent 070406

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5195 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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This topic is now closed to further replies.

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