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    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
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I work at a small out patients building on the outskirts of a small town completely isolated from the main nhs hospital in a nearby town

We at present have travellers on the land outside the car park entrance

When we finish at 18 : 00 hrs they are normally drunk and acting in an aggressive manner kicking and goading there dogs into fighting each other

This evening I had to return to the building and wait until others went home so as we could escort each other out ( we have no security)

I have expressed my concerns with our line manager but she seems lost as what to do

I believe that I have a right to withdraw to a place of safety without redress

It is very intimidating with them coming into the building using the showers and toilets our staffing consists of mainly women

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Hi. That sounds tough.

 

Are you and your colleagues in a union? They should be able to help.

 

HB


Illegitimi non carborundum

 

 

 

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Has your manager spoken to the police? They have a specific team for working with travellers.


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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Yes I am in the union and our line manager contacted the traveller liason officer

They are trying to contact the landowner

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so I would start off with demanding some sort of entry control that would stop them from just walking in and using the facilities. You should also look at the lone working policy and if there is anything in there that applies force your employer to abide by that policy and if that means no-one works there alone then the place is shut or they make suitable adjustments to the working day.

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Security were going to come over from the main nhs hospital but apparently their not insured so they didn't come

Door entry control is a good idea that I will suggest

Thanks

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dont suggest, demand. That is why i say what is in the lone working policy, you may have the right to refuse to be there alone without extra kit to help protect you

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