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luluspice

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  1. I am having similar problem. Barclays sold debt to Lowell who have changed the default date to more recent. The debt was over 5 yrs old when this was done. FSA are useless!!! They say Barclays did not default debt as we entered into payment arrangement - we went into a DMP for all our debt, minimal payments. I have had a lot of back & forth with FSA. I have pointed out regardless of no 'Default' the date of default is from when we FIRST missed payments - Cause of Action etc. They are siding with Barclays/Lowell. Hubby has mental health problems and it is against lending code to sell debt when this is known - they were advised repeatedly! I have no faith in FSA anymore. Debt will never get paid. So tough luck Lowell!!!
  2. Interesting post. On Friday DWP told me that there system had my husband as passed away & all benefits were stopped. ! He had to go to our local Jobcentre with his passport & have this verified & emailed to the manager of agent who advised me of error in order for the payments stoppage to be lifted. I was told yesterday it was all sorted, but I phoned DLA & Carers allowance to check...and guess what? They had a stop on all benefits too!! I am being sent a complaint form, but I am very uneasy about this whole thing. I contacted the DWP Bereavement Line to check the protocol for notifying of a death, and it seems it can be done over the phone. they take all the information available, suspend benefits and send out a form. Now, we do not know how this happened to us, but it seems this could be done by malicious persons very easily. In our case I am pretty sure it originated at DWP - I have been chasing Carers premiums for weeks. I also found out from Bereavement helpdesk that when DWP are notified of a death, that information is shared with HMRC, DVLA, Passport Office & other local government offices. So hubbys' Passport & & Driving licence could be cancelled!!! I am in the middle of cancer treatment, hubby has mental & physical health problems, we do not need this stress. I have no confidence that this will go away overnight. Would not surprise me if we get stopped going on a flight for using dead persons passport etc!! Never mind that I have a sneaking suspicion that the DWP may well have been about to start a fraud investigation on me for claiming benefits for hubby!! How on earth do you claim compensation for all this??
  3. I agree with Browncow, you need to clarify if you 'fail' training will job offer be withdrawn? My last employers had a training period for a particular job which was not clearly explained....result some folk did not pass & were let go. We ended up fielding the calls, very distressing!!! Most jobs have a 3 month probation period and it normally is included in contract. As for negative team...take care about jumping to conclusions:) You need to tell new employer of your notice period criteria...or ask for 'Garden Leave'....usually given to folk getting made redundant, they essentially are paid till end of contract/date of redundacy/leaving, but do not actually go into work. Stay positive, get the facts sorted in writing. by law if you have a written start date they have to pay you from that date even if you do not start on that date, but this pre- contract training thing concerns me, if it is paid training it should form part of contract......check it outou may have to just take the chance...like you say - plenty more in queue behind you... good luck
  4. Yeah go for it!! Even if you cannot face them put it in writing! I'm not a naturally assertive person...except when riled, even then I usually think of the things I should have said AFTER the matter. My employers did not give anything more than a standard ref...yet sent out the ones like you have asking for too much info Right hand & Left hand etc???? Right now I'm fighting cancer, and after what the bullying did to me I'm no pushover anymore!! Good luck with the new job:-D
  5. Tell them very little on paper. If they want more they can meet with you!
  6. You could just say yes to anxiety, N/A. after all you may be a naturally anxious person, and the work issue did not help? They do not have any right to know details unless it means they have to give you time off for counselling or are on meds they need to now about etc. As in the Equality Act definitions or reasonable adjustments. 14 days sickness is nothing to worry about - that's a standard 'Flu' bout! - they really should not be asking anyway, but most employers have not updated their recruitment processes...cost too much! The referal to OC is standard good practice & is Data protected. as is the medical unless they think you have any health issues which will impact on your job or the employer, and that information cannot be given to just anyone Please do not see the reference as a way for employers to find excuses NOT to employ you, more of a way to make sure they meet your needs as well as theirs. You would not have got this far if they did not want you. Fill it in and lets see what happens, you need to know one way or another before you can move on.
  7. Hi, I was an employee service desk advisor in my last job, I did references all the time and as far as I now the law was changed in October 2010. Here is a link to ACAS booklet http://www.acas.org.uk/CHttpHandler.ashx?id=2833&p= Your employer can only give a standard reference, i.e dates employed, your job title/role & reason for leaving. The new employer is only entitled to more information from you once the make a job offer. You should let them know you have anxiety issues, regardless of the cause. It protects you and them. for instance if somewhere along the line the job becomes stressful through the employers fault, you had informed them you have an anxiety condition therfore they should not have put you in that postition. just like making you lift something heavy when they knew you had a back problem!! Your current employer may well be wary that you could take them to a tribunal because of the past bullying & will not say anything against you to add to that possibility. Giving a bad reference can result in them being sued...I have seen it happen when spiteful managers thought they could ruin someones prospects!! You have a right to see the reference given, ask for it in writing. but I would advise keeping mum about any issues you had at work until they offer you the job, and only ask for a copy of the reference after you start or if you do not get the job - just in case they get suspicious and make up some other reason not to hire you. Like you I was a victim of bullying which meant I was off work with anxiety for 6 months. you have my sincere sympathies, it is a horrendous position to be in. The bullies got made redundant and after a while I got angry with myself for letting such low lives get the better of me....I kinda got a 'Bring it on' attitude, and I am sorry I never took them to court, but in the end I moved on. hope you will too, don't let the Bu***rs grind you down good luck
  8. Hi, any advice etc. DWP are wrongly deducting overpayment of income support from sons families' IS via their childs DLA. At present they have CAB on case but getting no where!!!. They are taking £20pw overpayment as my daughter in laws' ex continued to claim IS After my daughter in law was seperated from him & claimed in her own right...she was in a homeless unit & can prove all circumstances...this was over 5 years ago???
  9. I was told could not claim again for another 12 months, which has well passed! All they have sent me now is a copy of my Credit agreement No T&Cs for PPI. I read that they have admitted to not sending these to customers a few years ago, befor I opened account...but as we know history has a habit of repeating itself!!! Just wondering how to challenge them on this basis. i.e You did not send me T&Cs so in effect mis sold?? Any tips folks?
  10. Well, Capital one have finally replied & are sticking to their guns. Refuse to honour claim now I am no longer a care but am now sick -Also stating that as I have previously been paid out more than I have paid in premiums they will not refund payments made sinceI became a carer??? My point is I was told I could not claim again for twelve months, there was nomention of having to return to work. Being a carer is a taxable benefit, so there's a wee annomoly her I think? Och well, I'll just keep harassing them for the hell of it
  11. I would advise contact Criminal Record Bureau for clarifiction - could be that the job came under the Exceptions rule, however in some cases they can be removed dependant on her age at time of offence http://www.homeoffice.gov.uk/agencies-public-bodies/crb/services/crb-checks-fees/ I used to deal with this in my last job as recruitment advisor and sometime it is just overzealous agencies trying to win suppliers contract by promising Businesses that they will provide X,Y,Zin order to get preferred supplier contracts....smae problem with Credit checks. Not required for the job, but a sellin point for agencies!!
  12. Call Insolvency service and ask them to check the bankruptcy details...Then call NFU back and kick up a fuss!
  13. Another thought...Tell NFU that you believe they have accessed your estranged fathers details, something they need his permission to do !!! ...If they HAVE searched YOUR credit file it will show up once you get a copy. Perhaps if you get your Experien report they will take a copy from you as proof they got wrong guy, and perhaps start you while investigations go on. My MP tried to help re these credit checks for jobs, but despite the FSA not requiring them unless job has a control function. the Employment minister basically said 'we cannot tell private companies what methods they use to vet staff' !!! cop out!!
  14. Well unless you dad used your details to obtain credit i.e Date of Birth etc sound to me like NFU got it wrong! I would call them up and query this, maybe they do not have your D.O.B as are not supposed to ask age nowadays but I would expect them to be sure of their facts before basically accusing you of giving them false info! you have to get this sorted even if not for this job but for future! Good luck
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