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    • I'm just irked by the fact that Cabot have acknowledged that they cannot enforce and are not permitted to obtain judgement as well as informing me that they cannot bring legal action against me.  Yet they are still attempting to do just this and the letter from Mortimer today just highlights how they work.  I accept that I probably have no right to feel aggrieved but there is a part of me that does.    
    • Hi Guys, I wanted to know how to proceed as I was just suspended from work tonight with pay ,the manager said the company will write to me stating the allegations and when they will schedule the hearing. So the reason I got suspended is because I am supposed to have wrote a letter in defence of our cleaner and I did so with out authorisation of the company or the client. I did not write this letter but the acting security manager did and he got removed but not suspended and got moved to another better paying site while I have been suspended with pay. I am awaiting the letter to see what exactly the allegations are ,hopefully it will be sent tomorrow. Bit of background for this ,I have been on this site for over 17 years as a security supervisor and last year we had a security manager start as the new client wanted this and he was a very bad man , he got rid of many of the old staff and tried to get rid of me to no avail,He also had a vendetta against the cleaner who cleaned the building and tried to get him fired on many occasions. Anyway we got fed up and all complained to HR and they suspended him and after a month he resigned before I presume getting sacked. Whilst this was going on the cleaner asked us to write a letter of support which the acting security manager did and now the client is using this to get rid of me saying that I wrote this letter etc The acting security manager is denying he wrote this letter , this letter was typed on pc and printed out and but not signed but it did say ,if you have any questions please contact me ,the acting security manager. What are my options ? I regret to mention I do not have any unions behind me.   Thanks in advance   PS  I wrote about the security manager and previous problems here   
    • So what's the problem and why do you wish to complain ? 
    • Its a case of having too...the devil is in the detail......can win or lose on one small point.
    • I think your getting a little confused here......for clarity.   A judge cant offer a Tomlin Order...thats agreed between the parties pre hearing.......once the hearing begins you either win or lose.   So your options are:-   Contact Lowells tomorrow and ask if the offer is still open. Speak to the Legal before you enter the courtroom and try to agree one. Or proceed with the trial and take your chance.....If Lowell refuse a Tomlin on both counts above you have no other option to proceed.But if you had not defended in the fisrt place you would already have a Default CCJ by now,   With regards to your employment...you need to seek advice from a Employment Solicitor any company dismissing an employee on the basis of gross misconduct because of a CCJ I would imagine is Illegal and probably  unfair dismissal.   It was in the following case and this person won his claim and he worked for Barclays and HSBC Clearing Banks to collect cash and redistribute it under an agreement with the Bank of England called the Note Circulation Scheme.   Mr_N_Elsanosi_v_Vaultex_UK_Ltd_2200919-2017_Reasons.pdf
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tedney

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Any thoughts advice please. I am trying to keep "one step ahead"!

 

I have been making regular monthly payments to a number of creditors since June 2007.

 

 

The anounts were worked out with the help of a "debt assistance" organisation.

 

I have not missed any payments, and I get the "usual" (as others have on this excellent site) ocassional letters

and chasing up which I have been able to deal with OK.

 

On checking a free credit report today,

I note that a debit card company has just last month recorded a default on my file, whereas previously late payments were indicated.

 

I have never recieved any default from them.

 

 

I have received letters from a DCA, but no mention of default.

The last correspondence, dated after the default entry, was a settlement offer, which I cannot afford.

 

Should I be concerned?

 

 

Do you think they will now ratchet up correspondence and chasing?

 

Any thoughts and advice would be welcome.

Thanks

t

Edited by tedney
typo

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Since Early 2007 I have been paying monthly amounts on a charge card, following a debt arrangement plan.

 

 

The charge card company passed details some while ago (around 3 years) to a DCA who have periodically contacted me,

and ocassionaly offered reduced amount to clear debt, which I cannot afford.

 

During this time CRA's have been regularly reporting a "delayed payment" for this account on my file.

 

I note that this has now changed to a default, but I have not received any communication in respect of this from either the OC or the DCA.

 

As the title says,

anyone have any ideas/opinions as to what might happen now?

 

 

Apart from extending my "bad credit" file,

are there other implications and should I be doing anything to mitigate/pre-empt any actions that the DCA and OC might take?

 

 

I still cannot afford to pay them off, nor increase monthly payments.

Thanks

t

Edited by tedney
typos

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Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

 

Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

Amex and AIC

Thx

t

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Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?

Through CAB. Payments have not been "officially" acknowledged by either party, and I do not recieve up to date statements.

t

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After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.

I occassionally receive letters from DCA, not OC, indicating a total balance due, which does reflect payments made, no charges or interest are being added. Correspondence from DCA says account is managed by them (not assigned?), payments are made to OC.

CRA does not say who registered, but was just done last week. Don't want to go into too many details as am aware of visitors etc to this excellent site! Balance o/s is below £K2.

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Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

 

Some reading for you;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?80307

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?79026-Amex-and-AIC


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

OK thanks for that, and for the link on the next post too, I will look at later. Account was debit card, so was cleared each month until I ran into problems, there are just 2 return cheque charges of £15.00 each, then they stopped the account. I have not claimed for these, thinking that keeping a "low" profile might help. There was some indication and writing about "referral fees" but I wrote back and these were not added! Thanks again

t

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[ATTACH]24070[/ATTACH]

 

re defaults, i think this is still current!?


IMO

:-):rant:

 

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I had an Amex charge card and an Amex Credit card, both of which were "cancelled" by Amex in 2007

(in the case of the charge card 2 cancellation notices were received),

all without any Default notices being received.

 

 

The charge card was taken out in 1977 and the credit card probably sometime in the 1980s/90s.

 

They were cancelled following my financial difficulties.

 

Reduced monthly payments have been paid since.

 

AIC have regularly sent "settlement offer" letters for both accounts, which I have not been able to take advantage of.

 

The payment arrangements were made with Amex.

 

There are no insurances or charges on either accounts.

 

AIC are now requesting a review.

 

Having looked through a few threads on here,

 

 

would it now be prudent to make a CCA request and/or a SAR too.

 

 

Should both these go to Amex, or AIC.

 

 

AIC letters usually state that they are "managing" the accounts for American Express Europe Ltd.

 

Any comments/views would be welcome.

 

Thanks

t

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