Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3688 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Blonde123

 

I think you need to nail down who said what to who, mainly did the Tesco's manager speak to your employer. Send Tesco's a SAR, send your employer a SAR. That might be £20 well spent, that's the kind of proof you will need.

I want more than an apology I want compensated for all the trauma. I have details of who said what. And the store gave admitted it was an error of judgment on the duty mangers behalf giving my name when they had no evidence against me.

Link to post
Share on other sites

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Then the duty manager can carry the can for this then.

 

If you can get his line managers details then start with them, express just how detrimental this whole debacle has been, and the impact it has had on your employment, this is slanderous so can be dealt with under that particular part of libel laws.

http://www.urban75.org/info/libel.html

 

IMO, this needs to go to the highest level, ie, the CEO [email protected]

New Tesco House, Delamare Road, Cheshunt, Herts, EN8 9SL, UKfavicon.ico

01992 632222

 

http://www.ceoemail.com/s.php?id=9138

Inform him of your intent to sue this individual for defamation, and Tesco themselves will be asked to account for their employers actions.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Thank you for this, I have sent Mr Clarke a copy of my original email of complaint today and also that it was sent on the 9th of april and I have not had a reply.

You are very kind offering advise like this.

Link to post
Share on other sites

Your very welcome, hopefully it will do some good...

 

We all have our own battles to fight, and it is nearly always with big corporations or government departments!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

they like to think that you wont go through with it so they do nothing and hope that the matter will go away. You can sue for negligent infliction of emotional distress and the burden fo proof would then be upon Tesco to show that any anxiety or similar mental health condition you suffer from post that incident isnt down to them. It will cost them a fortune to defend and next to nothing for you to proceed with as long as you are prepared to settle for a relatively small compensatoty award to keep it in the small claims track. Also make your complaint to the Information Commissioners Office.

The shareholders AGM is in june but I havent found out where it is yet because HO telephonists dont realise how their employer functions. If I can get there I will ask you if you can give me some more info and I will raise the matter. In the meanwhile email the CEO again in a week's time and let him know that the matter is likely to be raised at the agm

Link to post
Share on other sites

Tesco sent me a money card today special delivery for £150. Needless to say I said that's not acceptable for 5 weeks he'll and my professor reputation. I will give the card to charity. I am insulted

Link to post
Share on other sites

cant give the card to charity, you need to return it and give them a piece of your mind as well and tell them what is acceptable. You wont get much more in cash terms but you should ask for something in the way of getting TESCO to write to your employer (copy to you) and apologise for slandering you andassuring employer that the allegation was totally unfounded.

Basically make them grovel and foget the money.

Link to post
Share on other sites

Addressing a few of the ideas floated in this topic:

 

Negligent infliction of emotional distress is a US concept. In the UK you need to prove a recognisable mental illness or related physical injury, you cannot claim for general distress (see http://en.wikipedia.org/wiki/Nervous_shock_in_English_law).

 

Under the DPA, you cannot make a free-standing claim for distress in a situation like this. You can only claim if you have suffered 'damage', in which case you can claim for the 'damage' AND extra for distress. 'damage' basically means financial damage. You'd therefore have to prove actual financial loss, e.g. dismissal by your employer. In other words you'd need to actually be dismissed or demoted etc. before you can use the DPA. Refer to http://www.legislation.gov.uk/ukpga/1998/29/section/13.

 

You could claim for defamation/slander. The big problem is that this type of claim can only be brought in the High Court regardless of the amount claimed. This takes you outside the small claims system which means that you'll be on the hook for Tesco's legal costs if you lose the case. Costs would be in the thousands of pounds range.

 

The legal route is difficult, but you should at least complain to the ICO.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Nor can it stop people gossiping about me.......

Its just disgusting that Tesco have caused this mess and now nothing can put it right. This has been the longest 6 weeks of my life and its not over yet as I only returned to work yesterday and it has been hellish

Link to post
Share on other sites

then whoever the Tesco manager spoke to has breached their confidentiality requirements. When you get a grovelling apoplogy from Tesco use your grievance procedures to put an end to it at work. You wont stop people gossiping but you will make sure that it doesnt appear on your files. in a negative way.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...