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    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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    • We have finally managed to obtain the transcript of this case.

      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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Quick Quid marking my credit file each month with a default - advice please


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Hi there :welcome:

 

They will only do 3/4 months plan as many on here have already found out. My advice would be contact them before default if you can and make your request for a 6 month plan direct at them - they do seem to respond to emails which is something.

Please have a read up of all threads relating to QQ

 

Just to clarify I managed to get a 12 month payment plan with them... They offered!

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Hi I currently have a payment due thisnfriday for £125 and £625 on April 15, I cannot afford to pay these, when can i ask about a repayment scheme, I appeared on chat tonight but I was informed to wait until Friday when my account goes into default to discuss a plan, does this sound right should I wait until then? I am freaking out please someone help me? What should I do step by step please??

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Don't want to create new thread, so I'll ask here. I have a loan with QQ. Repayment date 22.03.13. I owe them 260£. Paying by direct debit.

On that date I can pay them about 100£. When I should contact them to setup repayment plan?

And main problem is that I'm paying by direct debit and 22.03.13 I'll get 200£ to my account. And I think that they will try to take all my money.

If I'll stop direct debit to them using my internet banking it will help or not?

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You must cancel the direct debit with your bank, then write and tell QQ that you have cancelled it. If you dont, they WILL strip your account clean.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Today I had to pay QQ 259£. I have canceled direct debit on Wednesday and informed them at that day (email) . I also wrote that I have financial problems and would like to discuss repayment plan. Then I contacted QQ via live chat on thursday and support told me to contact them on friday.

 

Today after midnight I contacted them via live chat and once again after 8 in the morning. I get same answers :

 

me: I have to make payment today, but have financial problems ant cant make a payment

me: I would like to discuss repayment plan

QQ: I will be happy to assist you.

QQ: Our records indicate the payment is being processed by direct debit instruction and will take 3 working days to process.

me: so what does it mean?

QQ: Please contact our collections department on 27/03/2013 to discuss payment options.

me: but QQ will keep charging me with fees?

QQ: If the payment is not received a late fee of £12.00 will be applied. That is a one time fee, no other charges will be applied.

me: can you put a note or something like that on my account that I have contacted QQ and would like to discuss repayment plan?

QQ: Yes, it will be noted to the account.

me: ok, thanks for that. I will contact you 27.03.13 then

 

Is that normal? And can I use chat transcript as proof? Now they have option on live chat and you can send chat trascript to email.

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  • 3 weeks later...

Trying to arrange repayment plan with QQ. Contacted them today via Live Chat. QQ accepting my plan, but asking for my bank details. Acc number,sort code,card number.

 

Me: I dont have to give you any kind of my bank details

QQ: My apologies but that is not accurate. The only way to cease collection activity and to secure a valid payment arrangement, we would need your banking details to do so.

 

Is that correct? What should I answer?

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After long conversation via live chat no result. I can afford to make first payment on 19.04, and support told me that they cant setup repayment plan untill they will get a payment from me.

QQ: please be advised as we have not received any payment on the defaulted balance from 22/03/2013, we would need a good faith payment today to secure an arrangement.

QQ:however we cannot skip paydates and secure an arrangement as our system will not allow it.

 

That don't make any sense. I arranged plan with wonga and payed them first payment after one month.

I have sent emails to support and collections now,will see what they gonna tell me.

Any advice?

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QQ dont have an office in the UK and they operate in the US. They have a reputation for thinking UK law doesnt apply to them. The ONLY thing they can do is mark your credit file or sell the debt on. They cant do anything else, no matter how many threats they try and throw around.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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