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    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
    • PRA have purchased the debt 
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I received a disciplinary invite letter, the letter was not dated and no venue stated just the time and date.

i phoned the manager to change date as I needed advice and was told they would contact me with another date.

i was off work at the time due to close family bereavement.

i then received a text message telling me my contract has been terminated, and a letter had been sent, which I have not received.

i have worked for the company for over 4 years.

 

The question I am asking is what do you think my best course of action should be.

Can I send a grievance letter or would the manager ignore it as I no longer employed.

 

i have received nothing in writing and no right of appeal.

Edited by dx100uk
spacing

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Can you give more info please. What company, how long were you employed for. What was the reason for disciplinary.

 

You certainly have a right to appeal, and a right to know what you were terminated for. Were you suspended before this, any meetings to do with the issue?


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

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Renegade, we don't name employers on the forum, people need to keep things confidential.

 

HB


Illegitimi non carborundum

 

 

 

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Are you on a zero hours contract?


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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Sorry HB. SHould have said type of company


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

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Thanks for replies. I was employed for over 4 years and disciplinary invite was for unauthorised absence,due to close bereavement.

I would rather not state where I was employed.

The message came last week and I am not sure how to proceed

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Is this your first time having an unauthorised absence? Or has it happened a few times before? Did you inform them you needed time off? Are you in a union? Has anything else been said about this before?


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

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Yes. My manager knew why I was off work.

Would this be classed as unfair due to no reason given and no right of appeal p. what is the next step. I am not in a union

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can you answer my other questions as well please.

 

Also, by close, which relative was it. Was it an immediate relative, or a cousin/uncle/grandparent etc. When you informed your manager, what did they say? You certainly have a right to appeal.


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

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How long were you off work.

Was it paid compassionate leave or not?

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this all seems to be a bit of a red herring as far as your problem goes so more importantly, what exactly ahve to received and when. To dismiss you certain steps must be taken over a certain time, each step will depend on why they wish to dismiss and how long you have been employed.

 

At the moment you have been unlawfully dismissed. Thi isnt the same as unfair dismissal, it is about procedure rather than cause. That menas they will be forced to apy you the monies you would be due if they ahd done things properly plus a small amout for the naughtiness so about 6 weeks pay overall.

 

Speak to ACAS about this, they will be able to point you to the relevant guidelines and law and may well act as an intermediary and speal to your employer about thsi, even if to just make sure you get paid for the sloppy and wrong notice.

 

Now unfair dismissal is dealt with via an employment tribunal and both parties have to take certain actions or they will be in bother there. ACAS can advise on this as well and will probaby start by getting you to appeal the dismissal. You have a limited tiem to take all of the steps so get on to them right away and start writing a draft appeal letter stating why you shouldnt be dismissed and part of that will be the procedure and part the reason, which is unknown to us and from what you say, you as well.

 

This will put them in an awkward position as they may be forced to re-employ you so careful how you phrase things and dont write in such a manne that only one outcome is acceptable.

 

They appear to ahve got even the disciplinary meeting arrangement wrong so you have a strong position to get soemthing positive from this

Edited by honeybee13
Paragraphs and typos

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This sounds like a matter which you require to proceed via ACAS. It may also assist you if you could engage the services of an Employment Lawyer in the first instance. Do you have house insurance?

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