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    • Hi Sweet and welcome to CAG   Are you willing to disclose the employer in this case ?
    • I was the manager of an off license. We reopened on mon 30th, I received a very large delivery which we weren’t expecting (and I wasn’t told about until 2hrs before by my line manager) all managers received a text from regional manager which stated when deliveries are coming in shops are to be closed. He didn’t ring this info in, I just read the text.   When I saw how big del was (completely covered the floor, could barely move around it) I kept my shutters closed and proceeded to pack delivery away. The store remained closed and we lost 5hrs trading time. I didn’t seek permission from manager to do this, with the current safety precautions enacted (only allowed 1 customer in at a time as manadated by HQ) I didn’t feel this could be safely achieved with 3 members of staff in and all the stock everywhere.  regional manger calls into shop at 4:50, hits roof that it’s closed and storms out of shop after exclaiming I didn’t have the authority to keep shop closed.   Fast forward 1 1/2 weeks later today regional manager comes in at 4pm with prepared questions, I answer truthfully stated I didn’t think it was safe I had the best interests of business at heart that I had turned up for work every day since this incident and nothing had been said. He said that they will examine this information and can come back for more evidence if needed.    He goes away again and at 5:59 (my shift finished at 6) he came back in saying they’d examined all the evidence and that their decision was dismissal, I was to gather my things and there’d be a letter in the post with information should I wish to appeal.  quite a shock.   I will see what this letter states as their reasons I committed gross misconduct, I am a bit at a loss as to what I specifically did to be deemed gross misconduct.   I’ve worked for them for 10years, taken 2 days off sick in that entire time and had a faultless record   I’m just flabbergasted they’d immediately sack me for something which happened in unprecedented times when all I was trying to do was keep myself and my staff safe and safely make their store presentable and adequately accessible for all.   Any thoughts on the above? Obviously this is all too fresh as it happened only hours ago 
    • Hi KL1 and welcome to CAG.   You say the buyer contacted you saying, "...... he had seen it cheaper somewhere else and wanted to cancel the sale."   Do you have this in writing and, if so, in what format ?   It would be useful if you could tell us more about the item you sold.    
    • I wanted to report a success against UKPS that started in Dec 2018 and was concluded today.  I did do a bit of reading through this site for guidance though so thanks for that!    in Dec 2018 a family member reversed onto a private road in Coventry and waited about 1 minute or so to collect their partner.  Meanwhile the owner was loitering and waiting to catch anyone on his land with photos.  2 photos were taken about 40 seconds apart.   With my help I disputed the charge stating that the driver had not "parked" but had only stopped momentarily to pick up a passenger.  I did not state at any point who the driver was.   UKPS from Leamington Spa were trying to enforce this and insisted on the charge of £60 + £100 being paid.  I sent a 2nd letter confirming the position of the 1st letter and that no further letters would be sent.   4 threatening letters were sent from Debt Recovery Plus and Zenith Collections and duly ignored.  The last kindly offered to settle for £136!    Then a letter from Gladstones Sols threatening the same was also sent, and mentioned Beavis vs Parking Eye.  This was also duly ignored.   Finally a Letter Before Action was sent by email.  Aha!  Game on.  They cited Vehicle Control Services Ltd v Nick Idle and Vehicle Control Services Limited v Damen Ward and that stopping for any time is a breach, and it was only the length of time stopped that may affect the value of the breach.   I said that signage said no PARKING, not no STOPPING and that appropriate case law was JOPSON v HOMEGUARD where the judge specifically said "Merely to stop a vehicle cannot be to park it"   They then came back at me with an evidence bundle they were allegedly going to use at court against me, stated the signage was clear,  a nd repeated their "no stopping" case   I came back at them with the same as before and added that, in their world, someone coming onto the land and wanting to read the signage would have precisely NO TIME AT ALL to so as, according to them, even stopping for mere seconds was a breach.  I also threatened that I would claim costs for my wasted time in dealing the case.   Today they emailed me as follows: ---------------------------------------------------------------------------------------------------- Good Morning,   Thank you for your correspondence. We apologise for the delay in our response, however as no further action has taken place we trust you agree no prejudice has been suffered.   Please note that our Client has cancelled our instruction on this matter and the matter is considered closed.   No further action is warranted. Kind Regards ----------------------------------------------------------------------------------------------------   16 months on and UKPS gave in  
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My I.V.A. finished and I got a Completion Certificate in October 2016.

 

I have just received a letter from H.B.O.S. saying there is still a large balance on the account.

 

Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S.

 

How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?

Edited by dx100uk
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Was it included in the IVA ?

 

If so refer the letter to your IP.

 

Andy

 

 

Thread moved to Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.


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Your title says sold on, but you state the letter is from HBOS who were the original creditor?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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HBOS were the original creditor .....assigned to LC Asset...who by the way are listed as a Dissolved Company

 

https://beta.companieshouse.gov.uk/company/08324836


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Oh yea sorry its extremely sunny here..very rare!!

 

So LC Asset neesd holiday money then and sent a scmming letter to if they can find a few mugs


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I had one letter from H.B.O.S. saying the debt had been sold on, and one letter from LC Asset saying the debt had been sold to them.

 

Just received two more letters today for a Lloyds card account.

 

Same thing one from Lloyds one from LC Asset.

 

Sent everything to my I.P. don't know if he can do anything as my I.V.A. was completed nearly two years ago.

Edited by dx100uk
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Can we have the fca reg number from the bottom of their letter please


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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On the LC Asset letter there is no FCA number, just a Registered Office address in Luxemburg.

In this letter they say they have appointed Link Financial Outsourcing Limited to manage the account on our behalf.

The Bank of Scotland number is 122626

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Aha thought it might have been our friends Plink!!

 

Pers id ignore them

 

Unless you have moved since the iva completion?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks to all for the input.

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Run it past your IP just for peace of mind.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

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this is what was puzzling me earlier.

lots of people even with a settled certificated iva still have had to give the ppi refund to their ipsome here +5yrs later as it was an asset from that time that was not realised ..


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I have a letter from my I.P. which says, I write to confirm that following issue of the Completion Certificate in relation to you I.V.A. on 26th October 2016, I have no interest in any P.P.I. complaint or subsequent awards that you may have.

As such, any funds may be paid directly to you.

 

In the supervisors report

Whist I have not been made aware of any intended or ongoing reclaims regarding the mis-sell of P.P.I. Policies, should the client make any such reclaims successfully and subsequently receive redress prior to the issue of the final report, I intend to consider these funds as excluded from the arrangement and be retained by the clients.

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I know but i was just making an observation from my years here


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

 

No...but your entitled to check with them if a debt was included or not......just because your IVA was completed ...they didn't burn your file.:madgrin:


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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The debt was included in the I.V.A.

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can we see these lc asset letters please

scan them up to one multipage pdf

red upload


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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Followed instructions to upload docs in PDF, no success.

Is there anything in particular you wanted to know about them?

Doc2.pdf

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Uploads unapproved...not fully redacted....name and amounts still showing.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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