Jump to content


  • Tweets

  • Posts

    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 568 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I am writing this on behalf of someone else. Where i use the words me i or us means the person involved. Not me.

 

I was employed as a mobile with a well known security company.

My main job was to respond to alarms and deal with them.

 

 

When i started my job off i was told that i was on a gauranteed 24 hour contract (weekly).

I was not given any paperwork apart from some paperwork to show how and what i should be doing.

 

 

I was told be my manager that i would recieve my contract in the post during the next 4-6 weeks.

I also emailed my manager and he confirmed that i had indeed signed upto a 24 hr gauranteed contract that gauranteed me work of at least 24 hours a week.

 

This manager left and work was going on well until october when my vetting was complete and i was sent a 0 hours contract by Human resources.

 

 

I immediately phoned up and was told to query this with my manager.

2 emails were sent and nothing happened.

Again in january this year my manager changed and i raised this again with hr.

The new manager said he would investigate this.

 

 

He came back to me and told me that the email i had was worthless and that i was on a 0 hours contract.

Worst bit my days have been cut where i was without any income for 6 weeks.

 

 

Since august last year i have put in several uniform requests and have had 0 back as manager keeps on claiming he has lost paperwork.

This is despite sending 2 emails to him.

 

I now come to the part After having nearly 6 weeks without work i started back a few weeks ago.

The first night back i was pulled by traffic police and asked why i was watching a video playing while driving.

The mobile is on a stand.

 

 

I told the officer i was not watching i was only listening to the music and mobile was facing other way.

Officer gave me words of advice and then took my details and after a few minutes told me i could go.

No probs so far.

He then phoned my employers and told them he was concerned for my safety.

 

 

I only found out when a fellow officer came looking for me.

As far as i was concerned the matter was finished.

I did not log it either.

 

 

Fellow officer told me that a call had been recieved and that the matter had been escalated to the manager.

No probs here.

 

 

The manager phoned me the follwoing day and told me i was suspended pending a investigation and that suspension would be unpaid.

 

I have been to the investigation meeting and i was shown a picture of me sitting in my van with the mibile facing me.

I was told this was taken by the other officer and he was allowed to do this.

I have now been told that a decision will be taken and if needed a disciplinary will be held.

I have been told not to contact any of my fellow workers.

 

What do i do ?

Edited by maroondevo52
formatting

I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

unpaid investigatory suspension?


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

Share this post


Link to post
Share on other sites

Yes i was told as i am on a 0 hours contract i will not be paid for the time i loose while suspended due to a investigation. Regardless of what ever the out come.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

Just updating this. The freind i was helping had his contract terminated by Securitas.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

Last post unapproved - please do not post any further information or links on the forum which might be commercially sensitive or potentially useful to criminals


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Share this post


Link to post
Share on other sites

I am helping somebody who left Securitas a while ago.

 

Since then every job that he has applied for has been rejected.

 

When he left he was not on good terms with the manager.

 

However now subject access request has been completed.

 

In reply the company has sent him Copies of most correspondance and also the leavers form.

 

Although there has not been a disciplinary history of any type previously.

 

He left due to Gross misconduct.

 

The thing is his leavers form is showing his disciplinary history as being poor.

 

Can anything be done about this.

 

I wouldnt really know what to do apart from contact securitas

but how do i go about it ?


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

As long as the reference is truthful and accurate then there's nothing you can do


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

Share this post


Link to post
Share on other sites

he needs some temp work pronto so there is a newer reference. I would try something like builder's labourer, anywhere where checks are less important, and see how he gets on.


Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Share this post


Link to post
Share on other sites

I am afraid that "poor disciplinary record" is the absolute truth when you have been dismissed for gross misconduct,

 

 

What happened?

And how long has he been out of employment as a result?

 

 

If you can provide more information you might get better advice as to what he might be able to do to get past this.

Share this post


Link to post
Share on other sites

I was owed several days of wages, Mileage and holiday pay.

However despite writing to the manager and also writing to regional manager and so on i had no joy.

Every time i was knocked back.

Even after taking this further up the chain to complain i was repeatedly being asked for proof.

 

Eventually i issued a small claim against them in january this year for £1873.01p.

It was deemed to be have served on them by 1st Feburary 2017.

The date for defence to be in was 15/02/17.

However for one or another reason they never replied.

I sent my request for judgement in and recieved a judgement against them.

 

I have been back to them for payment and have been told that thier legal department is dealing with it.

It has now been 7 days since i sent them a email and letter requesting payment and giving them 7 days to pay or i take further action.

Up until afternoon today nothing had happened.

I sent the judgement to be sealed and recieved it this morning.

What do i do ?

 

Wait or just continue with the enforcement as warned in email and letter ?

A similar thing happenned with me back a few years ago.

However rules etc have now changed.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

IMHO, id pass it straight to a hceo company, pay the £66 transfer fee and let them take a crack at it.

You really want to do this before their legal dept start getting their teeth into it and dragging it out.

Share this post


Link to post
Share on other sites

Generally the person was pulled over by traffic police for watching a video while driving a company car.

 

However the police didnt take any action and the person continued his business.

 

However the police phoned notified his employer who decided to take things further.

 

Thats exactly what i was thinking. they are probably using delaying tactics .


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

no probably about it...hceo time


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Will speak to them in the morning.

I am sure this sort of thing would damage such a big company's reputation or even their contracts etc.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

Hang on - please read this carefully.

 

Yes, get HCEO in. You should have done it immediately because the next thing you know, they will be making a setaside application.

 

The warning is this: - HCEO fees are very expensive. Some HCEO will expect you to pay the fee if the enforcement fails. Some HCEO will give you a deal where if the enforcement fails, then you don't pay anything. If they succeed then the fee is paid by judgment debtor.

 

Make sure that you are agreeing to a no win no fee arrangement.

 

 

Put HCEO in now and don't hang around.


Share this post


Link to post
Share on other sites

Well he is very lucky it wasn't taken further. However it wouldn't be stated like that on a reference.

 

As previously stated he needs a temping job so employers won't ask about that reference


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

Share this post


Link to post
Share on other sites

I'd say that he was lucky to only be dismissed for gross misconduct - which it was.

And he wouldn't have got away so lightly now.

 

 

That kind of offence is highly unlikely to solicit any sympathy with employers,

so I agree

- he must take any job at all that he can get and build up a new reference.

 

 

And since I am not sympathetic either

- I hope very much that he has learned a lesson from this,

because I think the police let him off too lightly.

 

 

Had he killed someone, or seriously injured them, he might be in prison now, and someone else's life would be ruined.

 

Will speak to them in the morning. I am sure this sort of thing would damage such a big company's reputation or even their contracts etc.

 

It won't. That's why companies like this don't care.

Share this post


Link to post
Share on other sites

a HCEO will love this job, guaranteed payout for them, the company will have so many assets over so many sites.

 

The company will usually have delayed things because they dont believe that you would have done what you said you would do and the paperwork will be filed in 3 differwent places and when the bailiffs knock they will all blame everyone else, including you, for being unable to organise a proverbial party in a brewery.

 

They have a credit control section and a legal section so no excuses will wash.

Edited by honeybee13
Paras.

Share this post


Link to post
Share on other sites

Update Enforcement officers went in today and have collected the amount due.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

Thanks. Am awaiting the paperwork and will update . I believe they are not happy bunnies.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

pity they were not on one of the bailiff tv programs :)

Share this post


Link to post
Share on other sites

Update :

Received letter confirming collection by HCEO's . Also received letter from solicitors acting on behalf of Securitas asking for me to sign a consent order in order for the judgement to be set aside and the claim to be settled.


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

Share this post


Link to post
Share on other sites

Don't sign anything. Their problem now as it's all done and dusted


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

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 568 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...