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    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
    • Brussels is widely expected to introduce tariffs on Chinese electric vehicles coming to Europe.View the full article
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Investigation meeting!


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Hello all, panicking a little bit here. I found you're site today and I must admit it's a great source of comfort to know I'm not going through this process alone.

 

So I have an investigation meeting today and I haven't received any correspondence from them at all in the 4 week period that I have been suspended apart from a phone call on Tuesday asking me to attend this meeting.

 

They've said that they have tried to contact me a number of times, which just isn't true because I've been glued to every possible means of contact for the last 4 weeks praying for some communication.

 

So I work with teens who are disadvantaged in care units supporting them in becoming independent. What the manager said to me when she suspended me was "One of the Young people (the teens) has made a complaint about me and I'm suspended WITHOUT pay until the matter is resolved, they will be in contact soon to organise an investigation meeting".

 

Now I've worked in this field for about 3 years from time to time people make complaints either through spite or just to rock the boat. But I'm going into this meeting blind as I had only recently come back from annual leave so I hadn't been back at work long enough for someone to make a complaint. And all the shifts I completed were pleasant I followed procedure at all times and if I have a query on something I wont just make a decision I will ring up and either ask my line manager or if it's out of hours I'll ring the on call manager.

 

I'm just really worried and panicky and I honestly can't think of anything I've done wrong, I've gone through all of those shifts in my head and nothing jumps out at me.

 

Any help you can offer would be greatly appreciated and I'll update later on with what went on at the investigation meeting.

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Hello and welcome to CAG.

 

The forum guys should be along later, please bear with us until they're able to get here. :)

 

My best, HB

thanks just waiting for the train now and still panicking just hope it will all be over soon!

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Hi hannahf

 

Welcome to CAG

 

You are right in that you should know much more then you do regarding the allegations made against you, this is just an investigatory meeting, so they will tell you at the meeting. Try not to worry, update the thread when the meeting has finished. Then we can advise further.

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Are you on permanent contract? If so I think suspension should be with pay.

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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Been postponed until 4 so another hour of waiting I'm on a permenant contract but it's a 0 hours one I think, I'll discuss it wwith them in the meeting

thanks for the speedy replies.

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A few things

 

Ask if you can take a witness with you to the meeting

 

Request to view the notes at the end and make sure accurate points are noted and not misleading. Request changes if you feel they are not accurate notes of the meeting.

 

Request a copy and agree in the meeting (So it is noted down) that you want a copy of the notes and how this will be done.

 

If you feel like you are about to lose control through anger or other emotions, request a short break to compose yourself.

 

Update this thread when you know more

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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