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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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tom a

Facebook post now facing disciplinary.

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I shared two Facebook posts on my timeline and these caused offence to one of my Facebook friends at work. 

He reported me and now I face a disciplinary.

 

When I was informed of this I immediately removed the posts and offered to apologise to aggrieved person which he was willing to accept

management refused this although in past disputes between work colleagues management have actively sort this form of action. 

 

I've never had a good relationship with my manager over the five and a half years I've worked there, even though my work record is excellent  and feel some sort of victimisation. 

 

We have no union so am in this alone and wondering on a course of defence. 

Can anyone advise me please?

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get hold of your social media policy if you have one and see what it says

 

at the end of the day if you have posted offensive stuff it's no different to saying it - prep on that basis.  Sexist/ racist stuff may be viewed as gross misconduct.

 

 

 

 


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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would it be construed as bringing the company into disrepute?

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9 hours ago, ericsbrother said:

would it be construed as bringing the company into disrepute?

 

no idea without knowing what it was :)


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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that is why I posed the question to the OP,  even if they dont have a social media policy that wouild still apply

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Thanks for the replies. All done and dusted. Time to move on.

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Can you tell us what happened, tom a? It would help other caggers who find themselves in the same position, plus the advisers like to know the outcome for people they've helped.

 

HB


Illegitimi non carborundum

 

 

 

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I got a final written warning. Thought I would lose my job. The post were reported as racist but after investigation this was not the case and was never intended to be. Still found to offend one of my work colleagues hence the warning. 

I've took it on the chin and learnt from it. 

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Well done, you can move on now as you say. Thank you for the extra information. :)

 

HB


Illegitimi non carborundum

 

 

 

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Social media will be the death of society!


Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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5 hours ago, borisbeaver said:

Social media will be the death of society!

Bad workman blames his tools....


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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