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    • Hi all,   I am being chased by a debt collection agency or monies owed to an motor insurance broker. I took out the policy 4 years ago and after 3 months the insurance company cancelled my policy without any explanation. At the time I was told no monies were owed, then I received letters I owed in excess of £130. I ignored the letters and 4 years later this debt collection agency has contacted me to collect the monies.   If I paid the balance outstanding via the debt collectors portal, can they chase me again for any additional money in the future? Also can the debt collection agency leave negative mark on my credit file? At the moment there is nothing on my credit file. 
    • I haven't seen any legislation pertaining this, however because I have been looking at the consumer issues that may be why. He has now had the final letter before action letter and read it several times, however in his first response on my second 14 day limit letter he raised the issue that his health isn't good at the moment, which I believe is another fallacy, cars are still being sold and added to his page on autotrader.    If you could point me to the legislation you are reffering to then that would be most helpful and welcome.   TS have seen the invoice, and passed this on to his local TS.
    • it is not the only way to proceed and IMHO the wrong claim to raise, should you wish to raise one in an english court   if you really do want to raise the claim under consumer rights issues, i suggest you have a chat with TS again first and ask them if this is a good idea?   the pre contract info doesn't exist nor is applicable because you nor he ever entered into any contract covered by any consumer rights. he illegally sold you, a member of joe public, a car using a strictly traders only method.   i would hope TS point out the above and p'haps suggest you raise a different claim possibly encompassing this mis-sale and that you had no knowledge what he had ultimately done is illegal, nor that you ever agreed to do it anyway, as you now realise as a member of joe public, not a trader, you couldn't. you might even find TS will help, support and be involved with you in court regarding this too.   as it stands with cards on the table, he is under no obligation to pay for collection of the vehicle, you don't want to risk returning the car and never getting your moneyback - it's a stalemate where he is smiling still until you raise the correct claim.   although you have issued , 2 is it now, court warnings, it might be better to finally issue one correctly stating what you are going to do, then he might realise the penny has finally dropped and the game is up. there would be no harm in stating that to avoid such actions, should you pay me back by bank transfer the sum of the car and my initial transportation cost of xxxx, making £xxx in total by xxxxx date, i will not raise the claim.   The situation would then be far more serious for him and he might capitulate, inc refunding transportation costs, in the want of not being exposed in court, as there are numerous well publicised court cases whereby by traders have been hammered hard for pulling doing this scam on joe public.   another advantage of doing the above claim is you might get to keep the car for free, get all your moneyback.            
    • Hey guys came across this site today wow how great is this anyway.  here is my story    Car found on autotrader  £1800 merc  mot  vgc blah blah and stated had recon / gearbox fitted  / spoke to the garage selling the car and asked if they would take my faulty bmw in px it had issues which were explained to the garage  he said £900 cash and my car ok deal done    i drove to manchester in my car the owner was all chat and praise for the car he was selling and told me how it dropped its oil from the gearbox and how they fitted a new gear box so i thought ok im all good to go  deal done drove home    its now 3 weeks later and the transmission has failed  green flag recovery   i tell the garage this morning after looking into my rights and explained the situation   the person i spoke was trying to say its was his dads car and tuff luck buddy we aint helping u and telling me about the problems he fixed on my old car rather than help me with the current problem    the call ended as was in mid speak when he just hung up on me i text to explain thats no way to treat a customer    i have now written the standard letter as i found a template elsewhere  giving them 14 days to respond    I would like a little help with a follow up letter or my route to action after 14 days  as i dont think ill be getting a reply from them  regards patrick     
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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My 6 year old wasn't well the other day had 1 episode of being sick and a mild temperature of 37.5c. Wife let work know who told her its company policy for her to go get a Covid swab. which she did and got the results back as negative 24hours later. We know what is was it was the pizza she had then night before didn't agree with her and her temp was back down to 36.4 not long after. Now her employer is asking what the rest of the house olds Covid swabs were?


I never bothered getting tested not that I needed to as I knew it wasn't Covid with her and being sick 9 hours before hand isn't going to show Covid results in that instance. But I work for the NHS and had a Antibody test this week that came back positive anyway as had C19 about 2 months ago.


The point being that her work said they need to know for track and trace. So whether I had the test or not I don't see why they would need to know my results? As she came back negative anyway that should be enough. I just feel that surley an employer I don't even know or work for has to know my medical record?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Thanks for the links I have just had a quick look but they only seem to refer to an employer you work for rather than say me getting a covid test and my employer wanting to know anyone else in the house what their test results were.


It might sound daft that she just has to let them know I didn't get it done or negative results so they know. But she has let them know her test result was negative and it should end there.


I don't see why her work place should need to know what my results or anyone else for that matter that doesn't work for them?

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Technically they don’t, but without knowing we would potentially insist on 14 days off sick (containment). I’m sure you know the results are not what you would class as accurate, so we will not take risks. Her employer is only protecting its workforce. If an employer is seen to be the source of an outbreak they can be shutdown for deep cleaning and directors could be fined. 

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A company cannot insist that any employee takes the test, unless there is such a requirement in the contract of employment that the employee has agreed to or the test is a legal requirement within legislation passed.  Of course they can cite public health grounds, government policy, but what is the exact legal requirement for the test.


And of course the company has no authority over third parties.


Just tell Wife to advise that others in household have not been tested after this recent scare. The company will then check guidance and perhaps your Wife stays off work for 14 days as a precaution.

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I understand about protecting the work force but her work said she needed to send proof in by forwarding the text message onto them showing she was tested and what the result was. They also asked if I or anyone in the house was tested and what our results were for "track and trace" purposes.


Now I wasn't tested anyway but I work for the NHS my ward manager wasn't bothered about me being tested and my wife came back negative after 24 hours anyway.


I understand her work needing to inform those she's worked with that she's getting tested and they then have the option to have a test themselves which in theory they should have done. I just don't understand why they need to know my results if there is any it's not even relevent to them?


It would be upto me to tell my ward manager and between me and my company?


I'm not fussed in the sense I just told my wife to let them know I didn't get tested but how far do you go with Covid19 that even an employer you don't work for needs to know my business?


This isn't just aimed at me this is a general question of how far do you go if for example I was round a mates house they got the "virus symptoms" they let there employer know and get tested and tell their boss the results the boss then says what was your mates results.


Who has access to what information?

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The organisation I work for advises that staff who have symptoms leading to a CV-19 test,  should request that the people they live with should also get tested and they would ask for details of the tests.  But they cannot insist on tests and certainly would have no rights to any third parties information. ( But there is the issue of disciplinary attendance procedures, which should be considered ) 


And you have different test arrangements, with some unable to travel to testing centres, having to wait 2 days to receive the test in the post and even if they send it back on the day the test is received, they don't get the result back for 3/4 days. Whereas those who travel to a test site, appear to get the result the next day.  Therefore more work days are lost, when people have postal arranged testing.


If you work for the NHS you will have no choice in the matter as your conditions of employment will no doubt require testing and you have to provide the result information.  You may also have to request the people who live with you to have tests done and if they agree to have tests, to share the information with your NHS managers.  I would think that if you failed to ask the people who lived with you to have tests and if you failed to share the information, there could be consequences.  


People working outside of the health sector or in jobs, where there is no contractual or legal requirements to have tests and share information, will be in a different position.  Then it would be a voluntary action to have tests and share any information.  BUT if the employers was to take any disciplinary actions in regards to attendance,  then the employee would be in a position of wanting to share information, if this was helpful to them. For those in this situation, always obtain advice via Union reps if a member or seek legal advice from a Solicitor that handles employment disputes if not a Union member.


We could do with some help from you.



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Surely "track and trace" isn't the company's concern is it?  (I am perhaps mistaken, but I'm assuming track and trace is carried out by the NHS or some other public authority and it is their responsibility to do the tracking and tracing - not an individual's employer?)


I wouldn't want to cause your wife any bother with her employer, but if I were her and my employer asked me what my spouse's results were I'd say "I don't know.  He/she says it's none of my, or your, business."


As I say, I wouldn't want your wife to get into trouble over this, but I don't see that her employer is entitled to know your virus status or that of anyone else in your household.   It's up to you how far you take this.


NB - Is there a legal requirement on employers to do this?  I don't know - there may be.

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