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    • Hi,   it’s entirely up to the boss if they use furlough or not; but there’s no harm volunteering, and if you are ok with 80% and no top up, that’s good to say also. They can choose who stays and who is furloughed, yes.   Anonymous phone call to HSE is usually how I’d handle a safety risk where the employer is a bit tricky; risk assessment if they’re decent. But I imagine HSE are a bit busy right now.
    • Hello and welcome to CAG.   Here's a link to ACAS that should answer your contract questions. If you look around their site, you should find information about some of your other questions.   https://www.acas.org.uk/employment-contracts   I expect people will be along later with more answers.   Best, HB
    • I have added their poc in your above post for clarity.   you need to address para 3.    bump point 3 forward down 1 number and add in:   3. Paragraph 3 is denied as I am unaware of any legal assignment or Notice of Assignment allegedly served in yyyy by either the claimant or the original creditor .    if mcol is still flaky ….   MCOL is only one way of responding to a claim.  . If you are having problems logging in, or would prefer not to use MCOL,  you can fax, email or post your response to the Court instead.  If you send your response by e mail  please send it to ccbcaq@hmcts.gsi.gov.uk and ensure you quote “Claim defence response” and quote the claim number in the subject field.  . neither by email nor MCOL do you need to inc I confirm that the above facts and statements are true to the best of my knowledge and recollection.
    • you should have done the pictures weeks ago not leave it till 1 min before you need to file a defence. you've been here +6yrs and have numerous court threads and numerous private parking ticket threads  but somehow always seem to screw up one way or anther..   if you look on google earth street view you can see the cameras and the entrance/exit layout which matches the photos from that link I gave you and your upload which I've now redacted properly now .   POC   1.Claim for monies outstanding from the Defendant in relation to a parking charge (reference 00000000) issued on 10/10/2019.   2.The signage clearly displayed throughout KFC (Walkden Manchester) states that this is private land, managed by ParkingEye Ltd, and that it is subject to terms and conditions, including a max stay period, by which those who park agree to be bound (the contract).    3.ParkingEye’s ANPR system captured vehicle 000000 entering and leaving the site on 07/10/2019, and overstaying the max stay period.   4.Pursuant to Sch 4 of the Protection of Freedom Act 2012, notice has been given to the Parking Charge payable upon breach.   5.As no response was received, an alternative service address was obtained and further correspondence issued (CPR 6.9(3)).   defence:   1. i am the registered keeper of the car Reg No. xxxxxx mentioned in the claimants claim.   2. the defendant denies that any monies are due to the claimant because there was no breach of contract to create a cause for action.   3. The claimants Accredited Trade Association, the BPA has a MINIMUM grace period of 10 minutes to allow the necessary consideration of the offer of conditions to park and other actions before any contractual condition can be applied.   4.The defendant denies exceeding any free parking time in addition to said grace period as neither the land owner who may have employed the claimant to manage parking with a current paid for contract covering the date of the overstay nor the claimant have any legal authority to vary any free parking period granted by the relevant council upon issuing the original planning consent for the entire walkden retail park.    needs firming up people...   you can file by email if MCOL is playing up still though from research today 99'9% of all PPC claimforms are being postponed for many months by all courts now,      
    • OK, excellent, please take pix both of KFC signs and also the signs in the surrounding car park, as I reckon that KFC has unilaterally tied to change the permitted parking time in their bit of the whole car park.   Also park in the main car park, not KFC, as I've read reports of invoices being issued for motorists who have parked in the KPC bit even if it's closed at the moment!!!   Could you reply to what I asked in post 57 please?  If you don't reply, it's difficult to give appropriate advice.        
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writing2rightoff

PRA Group want to verify my identity after sb letter to them

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Hello

 

BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me.

 

I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017.

 

I have not paid any monies toward the debt which had a default registered from 2013 until January 2017.

There have been no default notices recorded after January 2017.

 

I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in December 2016 to Prac who use BWlegal.

 

I hope the above is not too confusing, I do want to resolve the issue but is bwlegal entitled to be asking for payments from me?

 

Look forward to your responses

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its what debt buyers do

try and fleece you

 

so PDE sold Prac the debt in jan 2017.

 

don't get what you mean by a satisfied default..

 

if a debt is sold by the original creditor

they will zero the balance and mark it in their books as satisfied

however the balance has been sold on to the debt buyer for 10p=£1

and they will chase you for the full amount owing

you're just lucky they haven't updated the credit files yet.

 

was this your only PDL?

was your credit file already shot at that period?

dx


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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Yes.

 

On my noddle account it shows closed accounts and there is a monthly record of 'D' in a red circle and under the circle it shows 'DF', (Default , when you hover online on the D) . In January the message under D is DA which I am assuming means 'debt assigned'

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should be a defaulted date in the debt summary

ignore the calendar markers.


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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should be a defaulted date in the debt summary

ignore the calendar markers.

 

 

Yes there is a date defaulted date from 2013

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another IRL claim me thinks?


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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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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Thank you dx100

 

I have read the step by step guide.

 

I think I have to send a dsar to Payday express .

 

I can let bwlegal know this if they send a letter of claim.

 

I think my complaint to bwlegal /prac are the delays in letting me know who owns the debt .

That bwlegal/ prac have not recorded defaults on my credit file.

 

Could one of my arguments in a complaint be that I only pay the value that bwlegal /prac bought the debt for?

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id be getting all the details first

 

 

dx


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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Debt is owned by PRAC - Being administered by BW Legal

And i wish you all the best to resolve this - Trust me BW legal are not easy to deal with...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Debt is owned by PRAC - Being administered by BW Legal

And i wish you all the best to resolve this - Trust me BW legal are not easy to deal with...

 

 

Thank you, wasn't sure who the 'original creditor' meant and was thinking it was Payday Express because they are last ones to make a record on my credit file.

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PDE are the OC - PRAC bought the debt BW Do their Dirty work on their behalf...

PDE are part of Instant Cash loans... But you would have known this already if you saw the example that i put in the guide ^__^


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

9/10 it use of letterheads only in the printer

oh and they cant default you

only the original creditor can

other than marking your calendar which is meaningless anyway

 

 

deal with the debt owner or the OC for the IRL complaint


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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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

Ohhhhhh BROTHAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA TESTIFYYYYYYYYYYYYYYYYYYYYYYYYYYYY!!!

 

And that I Can - Im dealing with them at the moment on a fraud case that is still ongoing and oh boy - They truly are Turd Emoji for brains....

 

I wont wrap you up in all the little intricacies but lets say one of their complaints managers who i will name only as "S" is truly a piece of art...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

9/10 it use of letterheads only in the printer

oh and they cant default you

only the original creditor can

other than marking your calendar which is meaningless anyway

 

 

deal with the debt owner or the OC for the IRL complaint

 

Thank you, ok I send a dsar to PDE...

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Hi hope you can help

 

I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them?

 

They have replied with a letter dated 10 days after my sb letter to them as follows:

 

 

My current address

 

 

Dear xxxxx

 

Reference : xxxx

 

 

I write with regards to your recent correspondence regarding the above referenced account.

Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require is as

follows-

 

Full name

Date of birth

Previous address and postcode

 

You can contact us via letter or telephone our office on 0800 877 872 to complete the checks we are required to make, in line with the Data Protection Act 2018.

 

Upon confirmation of the above details , we will endeavour to respond to your request as soon as possible.

 

Yours sincerely

 

 

xxxxxx

 

Title of person who sent letter etc.'

 

 

The sb letter I sent to PRA group has been retuned together with the letter above in the same envelope.

 

PRA group called my mobile this morning but I ignored it and didn't answer because the number was unrecognisable at the time. I later googled it and found out that the number calling me was PRA group.

 

 

Look forward to your response and thanks in advance.

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Dont fall for it. They dont need you to pass any security checks. They just have to check the account to confirm it.

 

Remember, you havent requested anything. You have informed them of the status of the account.

  • Confused 1

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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What was the debt

Did you use their ref number?


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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The debt is for a short term loan I took out about seven or eight years ago

 

I used PRA's reference number in the correpondences

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File the above and ignore them.....as stated above you haven't requested anything..... you have informed them of the status of the account.

 

 

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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Continue to ignore them in the same manner:wink:


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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