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    • Peter,   I thought overdrafts were payable on demand ?  
    • I'm sorry but this may be a long post but I really need some advice : My son has been working on a fixed term, claims based contract which usually finishes at the the beginning of January and then employees are asked back.. Unfortunately I was sent home from work to self isolate due to being in contact with a positive contact .I then started to feel unwell and sent for a test which unfortunately came back positive so my son had to also isolate. During this time he had kept his employers informed that he was having to self isolate and that I had received a positive and he had ordered a test and was being tested. (which actually came back positive) This is where it starts to go wrong ,although he had contacted work and gave the names of the colleagues who he had been in contact he sent an email (or so he thought) informing them that he was positive .It was not until he returned to work that he realised that the email was sitting in drafts. The app said that he had to isolate until 28th (he went to work on 28th) which he showed them when he got to work, however it does say that you have to isolate 10 days from the test or from when you start displaying symptoms so he had been isolating for 14/15 days. He was sent home as no one was aware of his test result and was told that the manager would contact him to arrange to speak to him but she was currently on holiday. He sent an email explaining all the time lines .He did not hear anything back until last week asking him what shifts he would be available for in the new year, all good we thought but then he received a letter yesterday stating  "After a thorough investigation relating to your conduct upon receiving a positive COVID-19 test result, the decision has been made not to offer you further employment " He replied saying that he did not know that there had been an investigation and requested the copies of the investigation. The reply was " "as you are not currently in the employ of ---------------there is no legal requirement for me to provide evidence for this. However in light of your request for information, the following informed the final decision:" The absence of communication with a manager upon confirmation of a positive COVID-19 result The absence of communication with a manager to arrange your return to work following a positive COVID-19 test result The high level of risk to people and business associated with the two points above The approach to communication with colleagues and management upon your return to work We have a duty of care to protect our employees and members of the public, and as we continue operating within this pandemic we must be able to fully trust our team to follow correct procedures at all times. Can anyone help please ? Do they not have to provide evidence especially he was not given the opportunity to defend himself.
    • Hey guys - I've read a fair few of the Hermes related posts but hoping you can guide me here.   I paid Parcel2Go to ship 2 speakers to me, via ParcelForce from an ebay seller (Value £170 + £33 shipping) I stated on the form it was 2 speakers, and having been told that these were protected for loss only, I took out their insurance (£9 cost) The seller packed them according to their packaging tips page - two layers of corrugated cardboard and some corrugated plastic cushioning (4 layers).    They arrived badly damaged - the base smashed on one, cracked on the other. Dents on both. Looks like they had been dropped several times from a reasonable height.   Parcel2Go are now saying that they class these as Musical Instruments and that they must be packed in a hard case.  As such they will not pay anything towards the damage. After searching through several pages, and buried links, I've have found this in their terms but its buried pretty deep, and wasn't at all clear in any correspondence, or during the booking process.   Do I have a leg to stand on in terms of making a claim in small claims court? Really disappointed in the terrible handling of both the parcels and the complaints process.   Thanks for any advice - its very much appreciated.    
    • So then the guide is incorrect. I don't have duplicate entries on my credit file even from the piggybank loan which is the only one of the 3 that i'm aware of being sold.  I'm subscribed to all 3 so have checked them all. So 2 of the 3 PDL's are not with DCA's and the same 2 companies are in administration and from what i read that means they can be removed.  I will re read the guide but am sure that applies.     "If the company who reported this info doesn’t exist anymore – Then you have a right to have the information removed by default. Its only in the case of where it hasn’t been picked up by a Debt Purchaser."
    • Yes, had no symptoms,  just took the test in case I was positive, and didn’t want to spread in case I was positive and carried on working.   On the test instructions leaflet they gave me with nothing on the back to say you should isolate now till you get test results.   so don’t know where I stand, I believe I haven’t broke the law.   as I believe there might not a employers covid testing policy in place, and not signed a document. I have read about what to do etc. I cannot check as suspended, but will ask for a copy.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Exactly how i feel when people tar all of us with the same brush, just as this forum does day in and day out unfortunately :mad:

 

However i am prepared to accept that there are a lot whom do give the industry a bad name, but having said that i have also come across a lot of people who are prepared to tell damned right lies too and yes i am talking the general public here, i could give a couple of examples but i wont breach Data Protection Act so i shall leave it at that.

 

As for what company i work for, let me assure you its none of which i have seen mentioned on here, however i have not loooked that far back i will admit ;)

then may be you and others like you need to do something instead of just watching it go on around you, because its not the public that are giving you bailiffs a bad name but its your own kind

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Exactly how i feel when people tar all of us with the same brush, just as this forum does day in and day out unfortunately

 

Heres a clue...

 

 

On-Off_Switch.jpg

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Exactly how i feel when people tar all of us with the same brush, just as this forum does day in and day out unfortunately :mad:

 

However i am prepared to accept that there are a lot whom do give the industry a bad name, but having said that i have also come across a lot of people who are prepared to tell damned right lies too and yes i am talking the general public here, i could give a couple of examples but i wont breach Data Protection Act so i shall leave it at that.

 

As for what company i work for, let me assure you its none of which i have seen mentioned on here, however i have not loooked that far back i will admit ;)

 

I for one will happily outright lie, cheat and use every loophole available against a bailiff inflicted upon me, see, I was brought up to defend myself against and stand up to bullies. Also we have no legal or moral obligations to a balliff as far as I can see - I am not lawfully obliged for example from what I can tell, to present a true picture of my financial state to a bailiff, to a court or the council, of course yes, but not to the highwayman at the door.

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I for one will happily outright lie, cheat and use every loophole available against a bailiff inflicted upon me, see, I was brought up to defend myself against and stand up to bullies. Also we have no legal or moral obligations to a balliff as far as I can see - I am not lawfully obliged for example from what I can tell, to present a true picture of my financial state to a bailiff, to a court or the council, of course yes, but not to the highwayman at the door.

 

 

My point exactly and thanks for stating your opinion, thankfully not all people think like you, im not going to knock you for it, but at least you have the decency to state that you wilfully lie and cheat to defend yourself against bailiffs!! It's just a pity more people wont tell the truth on here, have a great day :)

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Kermit, its a shame more people are not prepared to use every loophole possible and get a form 4 in against every bailiff that makes one single mistake. Strangely, I am not by nature a liar or a cheater, but I see no problem with anyone wanting to misrepresent their situation to a bailiff, they as far as I can see do not occupy a magical legal status like a police officer, or a judge, or your local council where you are rightfully obliged to tell the full truth. I for example would not lie to an actual creditor, But have no problem getting a family member to go do a statutory declaration to protect my property from a Bailiff, albeit that its all ancient stuff bought as second hand anyway :mad: The sad irony is I wouldnt actually need to lie to one should one visit, as i really am financially screwed and would be able to present a payslip and a pile of bills to prove it ....

Edited by caledfwlch

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Kermit, its a shame more people are not prepared to use every loophole possible and get a form 4 in against every bailiff that makes one single mistake. Strangely, I am not by nature a liar or a cheater, but I see no problem with anyone wanting to misrepresent their situation to a bailiff, they as far as I can see do not occupy a magical legal status like a police officer, or a judge, or your local council where you are rightfully obliged to tell the full truth. I for example would not lie to an actual creditor, But have no problem getting a family member to go do a statutory declaration to protect my property from a Bailiff, albeit that its all ancient stuff bought as second hand anyway :mad: The sad irony is I wouldnt actually need to lie to one should one visit, as i really am financially screwed and would be able to present a payslip and a pile of bills to prove it ....

 

 

Well all i can say is good luck and hopefully your situation will change for the better soonest and again thanks for your honesty ;)

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I've got a Stat Dec from my landlord stating the only things I possess in the flat are my clothes, everything else is his and his brothers (three of them own this flat and rent it out) or the other flatmates. Its more a safeguard than anything else as we've had two bailiffs turn up recently for debts which aren't mine and the people concerned no longer live here. One said he would "strip the flat bare and it would cost a pretty penny to get it back". I just told him "Strip the flat bare and you will be out of a job as it will be theft". That was part of the reason I found CAG in the first place...

 

 

The other bailiff claimed he had gone to the wrong address when faced with fellow flatmate being a tall broad Scotsman who is 'handy with his mitts' when needed. (said flatmate was amateur boxer in his younger days). This was to do with a parking fine and the guy turned up at 5.30am.. not expecting people to be up! The fine wasn't mine as I have never owned a car nor got a driving licence. He said he would be back with reinforcements and we said "make sure you get the right address, this is xxx not xyx...."

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My point exactly and thanks for stating your opinion, thankfully not all people think like you,

im

not going to knock you for it, but at least you have the decency to state that you wilfully lie and cheat to defend yourself against bailiffs!! It's just a pity more people wont tell the truth on here, have a great day :)

 

Yeah well kermit you claim there only a minority of bailiffs who behave badly when we all know that ain't true & I too advocate consumers refusing to cooperate with any debt collector as if they do the debt collector will only take advantage of your willingness to cooperate

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Some of you people are just not worth talking too i see !!!

 

 

Bye then...Ref link 27

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Kermit I for one am sick to death of your attempts to justify your employment so unless you have something to say which will actually help others to overcome their very serious problems why bother posting

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Kermit I for one am sick to death of your attempts to justify your employment so unless you have something to say which will actually help others to overcome their very serious problems why bother posting

 

well tough as im entitled to my opinion also, And if you look around the forum i do empathise with a lot of people and indeed try and help them, its just that certain members on here cant see past their own noses and cant help but slag off people for no other reason than they have a non desirable job, now good morning to you :)

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I believe in the Peoples Republic of China it is actually unlawfull to act as a bailiff or to seek the services of a bailiff or a debit collection agency

 

I believe they cite this as these people are naturally drawn to taking the law into their own hands and the fees and penalties they charge are invariably excessive compared to the original debit

 

There is also some reference to the fact that the Bailiffs actually make the business industry uncompetititve because the company giving out the debit in the first place should vet their clients properly and only give debits where they can be fairly sure of a return

 

NOW I AM NOT A COMMUNIST AND I DONT AGREE WITH COMMUNIST RULES AND REGULATIONS but reading through some of the horrific actions and reactions on here i think there is a lot of sense in severely curtailing the powers that bailiffs/debit collectors have

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I believe in the Peoples Republic of China it is actually unlawfull to act as a bailiff or to seek the services of a bailiff or a debit collection agency

 

I believe they cite this as these people are naturally drawn to taking the law into their own hands and the fees and penalties they charge are invariably excessive compared to the original debit

 

There is also some reference to the fact that the Bailiffs actually make the business industry uncompetititve because the company giving out the debit in the first place should vet their clients properly and only give debits where they can be fairly sure of a return

 

NOW I AM NOT A COMMUNIST AND I DONT AGREE WITH COMMUNIST RULES AND REGULATIONS but reading through some of the horrific actions and reactions on here i think there is a lot of sense in severely curtailing the powers that bailiffs/debit collectors have

 

Fair post and one which i would not totally disagree with, however just one point, debit collectors have no powers what so ever and bailiffs have in my opinion very limited powers .

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well tough as im entitled to my opinion also, And if you look around the forum i do empathise with a lot of people and indeed try and help them, its just that certain members on here cant see past their own noses and cant help but slag off people for no other reason than they have a non desirable job, now good morning to you :)

 

Kermit no doubt in order to salve your conscience you may have empathised with others here but that's not the same as offering constructive & meaningful advice I'm afraid. Advice which will help those being bullied & threatened by what after all are your colleagues in the debt collection industry is what is needed

 

These types of forums are not for the discussion as to whether DCA's are good or not or for the ve vas only vollowing orders mien heir brigade who often appear to try & justify their appalling job by claiming many or even most debtors are feckless

 

 

As or not seeing past my nose Having worked in your industry & seen how it operates in general I can most certainly see past my nose & it's the reason I left it many years ago to work for the victims rather than the victimisers

Edited by JonCris
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Fair post and one which i would not totally disagree with, however just one point, debit collectors have no powers what so ever and bailiffs have in my opinion very limited powers .

 

Maybe but that doesn't stop them using non-existent or very limited powers. In other words acting unlawfully or even illegally at every opportunity. & this government want to give them more ....... unbelievable! ...............It's like making murder lawful just because it happens

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Hi Joncris, perhaps you have not read all my posts within this forum then as i have most definately given constructive advice however it has become apparent that no matter what a bailiff does it will always be thrown back at them and used against them, i think for the sensible readers of this forum this is all far too apparent,

 

Thankfully i will continue to post as i have had a couple of thankyou private messages from certain members which restores my faith in the good people.

 

Perhaps the good folk whom have thanked me for my help and responses would care to just give it a quick mention and show themselves in order that i can let some of these shall we say doubters go and strip someone else of their credability!!!

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  • 2 weeks later...

hmmmm, not sure they are the best example of treating people right, but that's a whole different story, or am I so stressed I'm missing the irony here? :o

 

I believe in the Peoples Republic of China it is actually unlawfull to act as a bailiff or to seek the services of a bailiff or a debit collection agency

 

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lets be clear here anyone & I mean anyone who thinks being a debt collector (or bailiff) is an honorable profession needs to have another look in the mirror

 

I could not sleep at night knowing I'd scared the hell out of some poor soul over money. Having seen the affect it has on people I really can say with all honesty that I'd rather starve then be a debt collector......of any kind

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Sorry, whilst in my experience (fairly limited) and even based on heresay from my friends, I feel the majority of bailiffs are very very mean and nasty people, I have met two (which represents 2/5 of my experience, or half if you don't count the HCEO) who were very helpful, reasonable and one was even 'kind' :eek:

 

So, they are not ALL bad. One example (which I have briefly posted elsewhere on here) was a bailiff who handed me a tissue and gently told me which forms to fill out to stop the bailiff visits when I burst into tears (apart from the stress of debt, my mum had just been taken ill and I was trying to borrow money to fly out to see her as she retired abroad, particularly difficult when not working, etc, etc). The bailiff even gave me a head start to the court, so I could do the forms right away. When my mum died a few weeks later (and I had my stay of execution and set aside) I received a sympathy card from the bailiff. That is definitely not someone who wants to bully and terrorise people, so Kermit is not alone, just in a very small minority :D

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Sorry, whilst in my experience (fairly limited) and even based on heresay from my friends, I feel the majority of bailiffs are very very mean and nasty people, I have met two (which represents 2/5 of my experience, or half if you don't count the HCEO) who were very helpful, reasonable and one was even 'kind' :eek:

 

So, they are not ALL bad. One example (which I have briefly posted elsewhere on here) was a bailiff who handed me a tissue and gently told me which forms to fill out to stop the bailiff visits when I burst into tears (apart from the stress of debt, my mum had just been taken ill and I was trying to borrow money to fly out to see her as she retired abroad, particularly difficult when not working, etc, etc). The bailiff even gave me a head start to the court, so I could do the forms right away. When my mum died a few weeks later (and I had my stay of execution and set aside) I received a sympathy card from the bailiff. That is definitely not someone who wants to bully and terrorise people, so Kermit is not alone, just in a very small minority :D

 

Very sorry to hear about your mum and i wish you all the best for the future, thanks for the sort of vote of confidence too ;)

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Very sorry to hear about your mum and i wish you all the best for the future, thanks for the sort of vote of confidence too ;)

 

you are welcome, I might have been nicer if I thought I wouldn't get flamed ;)

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  • 1 month later...

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/159137-drakes-marston-group-balliffs-2.html#post1707643

 

that s a link to my recent experience-about time another investigation was done into this so called 'industry'-from what I can see, nothing much has changed since the last documentary about rouge bailiffs went out-they re still getting away what they do and must be laughing their socks off.

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