As a totally unqualified commenter - I would say never resign if you may need to sign on for any benefits to tide you over. You will be seen to have put yourself out of a job. I would stick to your guns - absolutely insist that you have done nothing wrong and then go after them for your certificates. That is absolutely disgraceful and there is no way you should be paying to replace them yourself (although you may well have to in the end). If they do sack you ask them for the £60 to be added to your final pay as an expense - or if you have an expenses claim form system - put a claim in and hand it to them during the meeting. Also - don't let them get you down..... it's about whose face fits sometimes. You'll find somewhere were you will be appreciated in the long run.

I have no legal experience, but personally I would get in touch with the clamping company and make a complaint about the clampers. Complain about their abusive language and let the employers know that they have made malicious allegations to cover up their own abusive behaviour.

I was just reading this thread as I work in this area. It is unfortunately the case that although the statements for children with SEN are legally binding and the school have to provide what the statement sets out - there is in fact NO additional funding for schools to provide these services. Each school has an SEN budget which is used for pupils at School Action and School Action Plus AND for statemented children. The more statements AND other special needs - the wider the same pot of money gets stretched. This is why schools do not welcome SEN statements or seek them out - as they used to when they automatically received the funding to implement the recommendations included in the statement. Usually, in the current setup, a school will only press for a statement if they believe that the statement will name a different, special school as being the appropriate place of education. If this is not the case, they are effectively tying their own hands behind their backs for no benefit to themselves.

Hi eforegg - have you got any news?

During a redundancy a group of us appealed. The Union rep handled it and he simply went through their reasons for redundancy and asking them to confirm that they stood by them and they were correct. Just a formality which kept the door open for going to a tribunal in each and every case. You could simply go through their decision and ask them if they still wish to stick to each point without trying to give more evidence. You have already given them your grievance grounds. Unless there have been more incidents since your original grievance which you could try to add in.... I can't see that more would be expected. Particularly (as in my case) you know that there is no real appeal and no real expectation of them changing their decision.

Warning - I am a total non-expert - but I have heard recently that people have successfully challenged mortgage companies who have sold their homes on the cheap. Is all of the 22K shortfall legal - did they get the correct market value at the time for the property? You can research the market value of similar properties in your area and if they gave it away - the original 22K may be altered substantially (I think?). Good luck to you.

Yes - any help please I am in contact with equifax on the same matter. Wescot have done two searches with the reason being "outstanding debt". Although I don't think they have ever written to me about any debt. I have emailed them and am waiting for them to get back to me. I think we need to know if anyone can 'search' for outstanding debt etc. and having found none - leave a permanent record of the search on your file. It's not a default so there is no procedure to follow- so how do you get it removed? Also - the reason for search is in the table entitled " Table 1 Credit Searches The folowing table shows searches undertaken in connection with credit applications". I have let equifax know that I have never applied to Wescot for any credit services and asked them to delete the reference . (No response to that email yet.)

I've been reading a lot in preparation for my own situation which has a lot of similarities to yours. I had come to the same conclusion - although it looks as though people getting credit related defaults removed by using the data protection have gone for compensation. Can't find any clear info on anyone winning - although there appears to have been a few settlements before a final hearing which reading between the lines (as there were confidentiality agreements) were for the full amount or more than the claim. I take that to mean that the banks/finance companies do not want to allow a judgement for damages for wrongful credit info under data protection that would then open a massive floodgate. I'm still struggling with exactly how to start my case off though - again any help appreciated. I can't sent a CCA for utilities bill but I could send a SAR. Ideally I just want to make a claim for damages and removal of defaults to the small claims court. I think my first step now is a letter before action giving clear warning that I will use the data protection act to claim compensation for my bad credit and to ask for an order to remove the defaults.

Polarise - I have the same problem as well - I don't think I can send a CCA as utilities accounts are not credit agreements. Could someone advise what letter is the best to send first to utilities companies where you cannot send a CCA or use that legislation.

I can see no reason why you wont get a pension from them. The figure is based on your annual salary at the time you left - and then index linked. It wont be a fortune but worth claiming. You can get an estimate of your entitlements - and they should send you an annual statement. Contact the pensions agency and make sure they have your correct address and you will receive an annual statement of your estimated benefits.

Any info - I need the same to get 2 Defaults from British Gas removed

I too had an 'unmissable' offer from BCW to reduce my £34 debt to £20 if I paid it within 14 days. I had to regretfully decline the offer as I didn't owe £34 . I think they work on a comission - eg. They will only every pass on 50% of the debt to BGas and keep the rest for their trouble. Warning though - I think I read somewhere on here - that if you take advantage of this settlement - you STILL have a default on your credit file. You may as well not bother paying anything at all unless they guarantee to keep if off you credit file.

2 weeks and still no reply from my registered letter (which I copied from an example someone else wrote). It asked for defaults to be removed within 14 days and for them to acknowledge the contents of the letter within 5 working days. I've now registered the problem with energywatch and they have replied promptly saying that they have contacted British Gas on my behalf etc. Energywatch seems the best "First Step" if you can't really afford a solicitor to wade straight in there. It looks as though they advise you of where to go next if the problem is not sorted out to their satisfaction as well. It's all frustratingly slow though, considering it refers to £35 owed from July 2006.

British Gas have very definitely put TWO separate defaults onto my experian credit file. They didn't tell me they were going to - I only found out when I was refused credit and had to order a copy to see why. Equifax don't seem to have them though - so I think Experian register defaults from utility companies whereas equifax don't. Or perhaps British Gas don't register them with Equifax or something. It seems that most banks use experian anyway though - so up a gum tree if experians is bad even if equifax is ok.

I could do with some clarification on that point. I am trying to get 2 BGas defaults removed. I get the impression that a 'budget' account where you pay by Direct Debit is considered by some people to come under the CCA. Although the utilities info isn't put on equifax as far as I can see - only on Experian. The best thing to do would have been not to pay the bill unless they agreed to take you default off - because if they don't take it off - you may as well not pay it as far as you credit rating goes. At the moment - I have written to BGas registered letter - and got no response within 10 days - so I have made an energywatch complaint. I'll let you know if it works.