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    • Winemark the wine merchant ltd northern ireland
    • 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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MBee

24 YR Student Loan - ResolveCall Chase visit

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Hi there 

My apologies if this is repetitive  but I hope you can help as I am besides myself with worry. 

 

Like many others on this forum, I too am being chased for a student loan taken out approximately in 1994 or 1995. 

I became mentally ill whereby I was hospitalised so did not complete my 2 yr study.   

 

Approximately last couple of years,  2 or 3  'nice' letters from CQ began to arrive offering me a reduced settlement rate, 

I followed advice  received from CB and ignored them as the debt was not on my Credit Report.

 

I received a letter on 16/12  stating that CQ will be referring my details to ResolveCall  for them to visit my property. 

Today, ResolveCall have written to me to confirm their intentions to attend my home within 7 days. 

- This has left me in a panic mode as I currently have a complex MH issue as well as a severe disability.

I am still  my MH medication and housebound.

 

Since 1995 I have moved twice . 

 I was again hospitalised in 1997 and unfortunately left me with a life long  physical disability. 

  I have been at my present property for over 20 years.

I have always been registered on the electoral register.

 

I don't remember ever making a payment or directly contacting the SLC or  being notified of any proceedings from SLC regarding the loan 

-   my carer back then was handling my financial  details so would assume they would have been contacted and notified them of my illness as I also had other debts (even with CQ) that were successfully managed and paid off. 

 

I am not sure what to do now as although your site has a wealth of information,

I cannot find anything that relates to my situation

 

. I am confused as to whether the loan is SB considering that it is almost over 25 years old. 

 

Many thanks in advance for all you help

MB

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resolve call are not bailiffs

simply ignore them.

 

when was the last time you deferred your loan?

more than 6yrs ago?

 

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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Thank you for your response. 

 

It's been over 20 - ish years since I had any contact with the SLC  informing them of my illness and never with Erudio/Capquest.

 

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But your loan was sold by the gov't to erudio in 2013

just send our sb letter to erudio

Its in the debt collection section of our library

 

Dx

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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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Thanks DX  and thanks for the link. 

 

1 last question before sending it though.  If the SLC have a gone ahead and obtained a 'backdoor CCJ'  before it was sold in 2013, would my loan still be SB?

 

Cheers

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but they haven't..

these fleecer most certainly would not be simply willy waving with powerless doorsteppers if there was a judgement against you.

 

sadly as has gone on since the 1970's people think DCA's have some kind of magical powers...

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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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Big Thanks!!

Will keep you updated for your speedy help!

 

M

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Hi All 

HAPPY NEW YEAR

Just a quick update, as advised I sent the SB letter to CQ by recorded delivery last week.  I also requested that their agents do not attend my property without an appointment which I was not going to make...  Today (06/01)  had a ResolveCall agent at my door (glad I have a CCTV intercom) so ignored him.  I guess he will attempt again pretty soon.

 

Stress levels are rising but hopefully this will be over soon.

Many thanks for your help again!

 

M

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did we say do that with the letter?

and waste money on recorded delivery ?

 

your SB letter should have simply gone to erudio by 1st class with free proof of posting from any po counter, though in this case its not needed as no legal protocols are in operation.

 

as for the silly stay away stuff, better to keep to CAG rather than stupid freeman of the land twaddle, as that shows you don't have a scoobies what you are actually talking about.


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 DX 

Thank you for your response  -  I  sent it as advised.  My carer posted it on my behalf as I am housebound and I wasn't aware of the free proof of posting.  The letter was addressed to Capquest and not Erudio.

 I can't remember ever receiving  anything from Erudio and assumed they were the same company as it has only been Capquest requesting money.  Was that also another error?  If so should I send the letter to Eurdio too?

 

Thanks M

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erudio are arrows DCA are capquest, all the same lot.

 

 


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 All 

 

I received this letter today  (attached) 

 

They say that the SLC was granted a judgement in 2002 - approximately 7 years after taking out the loan.  They say that the account will be on hold until 9/2/2020 what does that mean? Will this now appear on my credit file?

 

Thanks M

capquest 2_redacted.pdf

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oh a n old CCJ

well yes they are quite correct a debt cannot be SB'd if it has a CCJ...

 

however, as no-one let alone the claimant of the original CCJ has actually done anything with the judgement in over 6yrs

they would have to return to court to enforce it.

 

and

 

as they were not the original claimant.

the judge allowing enforcement by a debt buyer is unheard of after 18yrs.

 

ignore them.

 

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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Thank you DX 

 

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