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    • 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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Veteran6224

Unknown Intrum CCJ for Amigo Loan

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Hi all,

 

i have a debt that will become statute barred in March.

I have read posts and people have said that after 6 years it completely drops off your credit report.

Is this the case?

Can mortgage providers see a debt on Experian that has been made statute barred

 

 I am trying to get all debts cleared to have the best chance of improving my credit score in order to get a mortgage next year.

 

The main debt is now with Intrium (formerly 1st credit) that’s for £5330

 

The smaller debt of £700 is with a legal company but the debt was originally with Money Shop.

 

I haven’t requested any evidence from them relating to the debts.

The £700 debt is due to be statute barred in March so I have not responded to their letter.

 

Regards

Veteran6224

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you don't need to clear your debts if they don't show as defaulted or not at all on your credit file.

 

as for intrum

they like any other DCA are fleecing debt buyers that get your debt for less than 10p=£1 then fleece you for the whole lot

 

so , tell me why the original creditor didn't take you to court and crush you...?

why sell your debt on ..on the cheap...makes you think a bit.

  

as for the muppets that now have that PDL debt...

ever thought about raising an irresponsible lending claim against the original creditor

because as with many PDL , now paid off or not

they probably shouldn't have lent you the money in the first place as you couldn't afford it and your credit file was a poor score.

 

click here and read a few threads

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?173-Debt-management-and-Debt-self-help

you'll soon get the idea that these DCA's you've already paid off have had a lovely xmas from your free money.

 

statute barring and debts showing or not on your credit file are not linked.


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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Thanks again, I will check all 3 credit reference agencies and see if the Intrum debt is on there (It was formerly Amigo Loans).

If it isn’t on there what would be the best thing to do?

Stop paying the debt?

I will read the threads in the link you have sent, thanks for the support

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Great I will hold out then,

 

I registered with Equifax last night and the Intrum debt is on there as a CCJ and has 2/3 years before it become statute barred but the £700 one becomes SB after June this year.

 

I have mentioned previously that my partner and I (she has a great credit rating) are looking to apply for a mortgage in early 2020.

 

Can anyone tell me the best route to be accepted for a mortgage in regards to debts and defaults etc?

 

Do we satisfy them to show the mortgage company we’re addressing the debt?

I could clear all my debts by May this year.

 

I have a £2500 credit card with a full limit (Aqua) so was going to spend a small amount each month and pay the balance in full to boost my credit score.

 

We have a substantial deposit and affordability is there it’s just the defaults/CCJ etc I am concerned will be an issue.

Anyone with mortgage experience that can help would be greatly appreciated

 

Thanks in advance

Veteran6224

 

I am also sending a CCA to Intrum and the other debt next week

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The ccj never becomes sb'd

Why didnt you state the ccj in the first place

 

Dont send intrum anything!!

they are not chasing you??

 

A defaulted date in a debts summary or a ccj are there for 6yrs regardless to if you are paying or not ..paid it or not.

 

So are you paying intrum?


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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I only realised it was a CCJ when I registered with Equifax last night.

I have been paying Intrum £50 a month for the last 12 months but have the money to clear it if I needed to.

So it’s best that any debt showing as a default or CCJ on my file should be paid/satisfied prior to applying for a mortgage?

 

I had another debt for £2500 that was with High Court Enforcement Group that I paid off last month and have been told I need to apply for a letter of satisfaction from the county court it was registered with.

 

Thanks for merging the posts

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Ok, I owe:

 

- Intrum £5300 CCJ (original company Amigo Loans) paying £50 a month at present

- Prac Financials limited £708 Default (original company Money Shop) not communicated at any point and debt is SB soon. Default date was 27/06/2013

 

Settled/satisfied debts are:

 

High Court Enforcement Group £2758 CCJ (original company was England and Company) paid in full and settled

 

My credit report via Experian shows no defaults or CCJ’s, my credit report on Equifax shows defaults for the above mentioned unpaid debts (Intrum & Prac Financial)

 

To my knowledge I have no other debts, I have not had any letters from any other companies chasing me.

 

Regards

Veteran6224

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One multipage pdf please

Read upload

So we can zoom please

 

the amigo loans CCJ..

was this a tomlin order?

how did you arrange the £50PCM..told by the judge?

 

England and Company>??? who are they? a business debt?


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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Sorry I am not sure what a tomlin order is? The £50pcm was set up by me Making them an offer as they were chasing my guarantor.

 

England and company are an offshore accountancy firm in Jersey, I worked offshore and they were the accountants we used and I left the job but the accountancy fees were still owed and I didn’t realise. So they placed the high court writ with HCE Group

 

Hope that helps

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were you aware that amigo got the CCJ?

or heard or knew nothing about it till your guarantor spoke to you and you found it out?

 

as for the accountancy stuff, HCE group could never have been involved unless a CCJ was awarded...and again you knew nothing about one being awarded??


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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Hi everyone, I am with a mortgage consultant tomorrow.

They have recommended that I pay off my final debt (First Credit) in full.

 

I have been paying off monthly and there is £3400 left.

I have heard that if you pay in full you can request that they remove the default from your file.

Is this true?

If so is there a letter template that I can use?

Thanks in advance 

 

regards

j

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total rubbish paying a debt off means you can get the default removed.

 

you could make it a condition of the F&F that the account is totally removed

but I very much doubt they will agree to that.

even though 1st credit [intrum] are a dca.

 

the default vanishes after 6yrs anyway regardless.

 

have you sent intrum a CCA request?

very rare for Amigo to sell their defaulted loans on 

they usually litigate.

there must be some really good reason why they did this 

find it!

 

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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I haven’t asked for a CCA, I have been paying £50 a month for some time now. I will call them and see if they agree to removing it if I pay in full 

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urm..

not a good idea yet IMHO.

 

them not having an enforceable CCA

[quite probable ]

 

will put you in a far a stronger position

 

is this a mainstream mortgage advisor and a mainstream mortgage ?

or some tinpot backstreet private broker?

ONE default should not harm any success with mainstream lenders if you approach them yourself directly.

 

not saying yours is but MANY brokers/advisors/IFA's actually have links into many DCA and get back handers for settling debts that don't legally need to be settled.

 

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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I will send them a CCA and see what comes back,

I am already paying so will give it a shot.

 

I sent a CCA request for another sent and never heard back,

the debt vanished from my credit report 

 

It’s a mortgage advisor recommended by a friend. 

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don't know of any mainstream lenders that refuse a good rate mortgage for one default.

 

IMHO something smells.


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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Thanks guys, it seems we have some options so fingers crossed. The larger of the 2 debts is set to be SB on the 11th next month. Once this date arrives should I send a letter to Moneybarn to request it be removed? I have sent Moneybarn and 1st Credit/Intrum a CCA request today. 
 

thanks 

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how are you deeming SB date?

accounts are removed on the defaults 6th birthday

those 2  dates rarely meet 

the latter being the important one

 


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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