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    • https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx   https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx
    • I would have thought it easier in small claims.  Your wife very kindly and considerately wrote to her employer offering more notice than she was obliged to do.  No doubt she had the best interests of her employer in mind and wanted to give them adequate time to plan ahead and find a replacement.  To her amazement, her employer took advantage of her kindness and unreasonably treated her notice as taking immediate effect, blah, blah blah.   Personally, I think an argument like that is quite likely to succeed in small claims where they won't be accustomed to arguing the niceties of employment contracts.  It's obvious your wife is being taken advantage of.   Again, I think you are more likely to get an even-handed and fair hearing in small claims than at an ET.   However, I'm not a lawyer and I'm definitely not an employment lawyer.  See what others advise and whether anybody else thinks it would be easier and more likely to be successful simply to sue.  (Oh - and remember if you want to sue them for the money you've got six years to do so, whereas the time limits for ETs are ridiculously tight.  Can't remember off the top of my head but is it something stupid like 60 or 90 days?  Ridiculous).   Of course there may then be issues about getting future references from them.  But if you go down the ET route that'll likely be a problem anyway.    
    • say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ?   Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it .   Also I see for a DRO it says ive got to go through  an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open .   Last off ive asked regarding pro rata forms and still cant find any 
    • Yes but I think in a small claims court it will be far harder to prove. I have plenty of evidence to discredit the Director but again it could still not be enough.   She will be a month with no money and I think it’s far more risky than a tribunal where this action alone could result in the desired outcome.   I have said to her to request a face to face meeting to enable both parties to conclude, ideally resolve and at that point we can decide what action we wish to take.    
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quailpower

Car Insurance Debt Collection Advice Please Help??

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Hi,

 

I took out car insurance in Jan 2012 with right choice insurance. I definately did not make the right choice.

 

I phoned them to cancel on 17 May 2013. They told me I needed to send them an email with the policy number and my details to ensure the policy was canclled. I did this them phoned back. They told me they had recieved the email, and that the policy would be cancelled with a charge of over £300. I argued this as I had my policy documents in front of me, and there was no charge for early cancellation. Escalated to management who advised they had closed the account with no charge.

Happy with this I went on my way.

 

I moved from cumbria, and as a result did not check my Cumberland account often, as there are no Cumberland banks in merseyside.

It was only when I was visiting friends in keswick I saw that £200 had been taken out!

They had carried on taking my direct debit for 3 months!!

 

I phoned my bank and told them the Direct Debit was not there with my permission, and they refunded it to me immediately, but now Right Choice are persuing me for the £200 saying my policy ran until August. I have the email proof of the date I cancelled, yet they are claiming to not have received it and that they have no records of my call!! I scrapped the car in May and they wont even accept that as proof.

 

Now theyve sent it to a debt collector.

What on earth do I do??

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First thing is, you don't panic.

 

 

Send a subject Access Request to Right Choice and enclose a £10 cheque, (better than a postal order if they should send it back).

 

 

Ask for a copy of all correspondence and phone calls you have made to them.

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Phew, trying not to panic.

 

Im on the road to debt recovery - cleared nearly 20K of debt, now I just have a credit card which is being paid off, and a few accounts that get £5 pm. I felt like I was finally on the straight and narrow and getting my life (and credit rating) back in order!

 

Its going to be hard to get the £10 to send for the SAR, as im on a really tight budget (only my partner is working as no one wants to hire someone that needs 12 months off in a few months to have and recover from an operation). Might be a few weeks as its bill week next week,

 

anything i can do in the meantime?

 

First thing is, you don't panic.

 

 

Send a subject Access Request to Right Choice and enclose a £10 cheque, (better than a postal order if they should send it back).

 

 

Ask for a copy of all correspondence and phone calls you have made to them.

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You don't need to do the subject access request.

 

If you have the email you sent, just send them a copy with a complaint letter threatening to go to the FOS. While any dispute is ongoing, the debt collection has to stop.

 

Right Choice Insurance brokers according to reports online are a totally incompetent bunch, who seem to have processes that the FCA would not be happy with.

 

When you send the complaint letter send it by recorded delivery to their Managing Director Mike Joseph.


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You can just write to them and ask for copies of all correspondence and see what comes back.

Get a certificate of posting (free) from the post office rather than just post it in the box.

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You don't need to do the subject access request.

 

If you have the email you sent, just send them a copy with a complaint letter threatening to go to the FOS. While any dispute is ongoing, the debt collection has to stop.

 

Right Choice Insurance brokers according to reports online are a totally incompetent bunch, who seem to have processes that the FCA would not be happy with.

 

When you send the complaint letter send it by recorded delivery to their Managing Director Mike Joseph.

 

 

 

THANKYOU THANKYOU THANKYOU!

 

Exactly what I needed!! Ill get that sent tomorrow, I didnt want to complain and have DCA still calling all hours, as I have a teething-light-sleeping babY!

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