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    • Winemark the wine merchant ltd northern ireland
    • 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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thecookiemonster

Another bank account closed I'm concerned

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Hello, recently my NatWest bank account was unexpectedly closed due to an apparent commercial decision by the bank.

 

So as I've only now got 1 bank account I apply to open a basic bank account with HSBC which was accepted.

 

I received the pin and was waiting for the card to arrive and today I receive this letter.

 

It states that following a review of my application, we regret to advise you thar we no longer wish to provide you with a bank account and that they are closing it.

 

Closing a basic bank account seems extreme, feels like I've been blacklisted or something.

 

It's signed by the fraud operations, financial crime risk operations team.

 

This is really concerning as I know I haven't done anything wrong, but something strange is going on here.

 

Makes me wonder if my main account where my income goes will end up being closed too?

 

Will this kind of thing affect my disability benefits?

I have enough to deal with given all my health problems let alone all of this.

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Who is your current account with now ?


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Lloyds, I've had the account for 8 years, I also had the natwest one for about the same amount of time until they unexpectedly closed it down.

 

Anyone have any idea what's going on here?

 

Seems very random, never has any issues like this before.

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It also revealed that the Financial Ombudsman Service (FOS) was dealing with 20 to 30 complaints a week about bank account closures. However, when Money spoke to the FOS this week, it estimated that the figure was now nearer 80-90 a week.

 

https://www.theguardian.com/money/2018/feb/03/natwest-closed-my-account-with-no-explanation


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Thanks for that, I read that after reading up when my NatWest Account was closed down, shouldn’t be allowed and it’s very concerning because if I lose my Lloyd’s account as well, I won’t be able to receive my income, this kind of thing seems to be getting worse.

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i have had the same problem with lloyds tsb about 4 years ago. they close it without any reason, just got the letter. tried opening bank account with other banks but, all declined. i haven't had the bank account since. i have to use my wife's account.

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i have had the same problem with lloyds tsb about 4 years ago. they close it without any reason, just got the letter. tried opening bank account with other banks but, all declined. i haven't had the bank account since. i have to use my wife's account.

 

Then you need to get in contact with CIFAS and see what the deal is. That will be the reason for you not being able to open an account - Even a basic one.


 

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thanks for the reply. i will get in touch with them.

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My daughter cannot even get an account in her name due to a fraud from 2004. Someone tried to open an account in her name but got the middle name wrong. Her middle name is Julie however the fraudsters used Jane. Another trick they used was to order stuff in her name at an old address and when the delivery wasn't completed (as she wasn't there) the courier tried the next door neighbour (the fraudsters). The amount of debt collectors chasing her for these debts has been unreal but now they are all Statute Barred.

 

 

The damage has been done though. She has no credit history so the banks (as well as CIFAS) refuse her an account. She uses her husbands account.


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