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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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CCO Customer Compliance Officer! DWP


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Hi folks, I'm new.

Well about 10 days ago i received a letter from the JobCentre informing me i would receive a visit from the CCO.

 

Before arrival of the CCO to my home address i rang her up. She informed me a allegation of fraud had been made against me.

 

Having done nothing wrong, nothing to worry about. So done a bit more research before the main event and found out im allowed to record the interview which the CCO must accept.

 

On arrival i informed the CCO of my request to record the interview which she objected to and terminated the interview with a immediate effect!

 

Just wondered how i should play this now? Has she broken any rules regarding my basic human right to record a interview? She breached her employment contract? Any advice and suggestions would be muchly appreciated!

 

Thanks

Stan80

Edited by ErikaPNP
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You have the right to record anything in the privacy of your own home, and yes she does have to accept the recording.

 

She won't have broken her employment contract as her employment contract sets out the terms and conditions of her employment but not the job description in itself.

 

She has however breached policy, which states that requests to record an interview must be accepted.

A complaint will likely result in her receiving further training to ensure she is aware of the policy and complies with it. Continuous breaches would likely lead to her being disciplined.

 

I'd suggest raising it as a complaint, pointing out that chapter 4, paraghraph 15 of the Customer Compliance guidance states the following:

The customer may ask to record the interview. Requests to do so must be accepted. The same principles apply in Scotland.
and that she has not adhered to this.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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You would mark it for the restricted attention of the Compliance Manager and address it to the local Jobcentre.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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-UPDATE-

 

Send my complaint letter off yesterday to a (edit). Top dog in the area. Got proof of postage also.

 

Now today at 13.25hrs i received a phone call from a (edit) who was a CCO manager! She asked why i wanted the interview recorded? I stated that it was perfectly in my right to record it! She then clearly stated verbally over the phone that any of her CCO do not have to accept a customers request to interview them recorded! She had the CCO guidance in front of her. At this point she had me on the hop so i stated i had evidence to the contarary. Then either there was a line fault or she hung up on me. Typical! I have rearranged my appointment and (edit) will be interviewing me as the other CCO objects to been recorded!

 

What the hell is going on im confused! Are there new guidance rules out im not awear of as im sure they must have to accept a customer request to record interview!!!!

Edited by ErikaPNP
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The guidance that I have is in the CAG library. You can link to it here. Access the compliance zip file, open the comliance folder and open the word doc numbered 4, entitled 'undertaking the customer compliance interview'. It's paragraph 15 which is entitled 'Recording of Interviews'

 

If there has been an amendment to it, I'm not aware of it.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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  • 2 weeks later...

UPDATE

 

Received a letter from the (edit) District Manager

 

He stated yes if a customer requests interview to be recorded if must be accepted however if the Customer Compliance Officer feels uncomfortable the request can be rejected and interview terminated.

 

So there i am doing a snotty letter back saying if she feels uncomfortable been recorded in someones home then she is unfit to do her job properly.

 

Also im getting a visit by the area CCO manager and another CCO on Wednesday. So two of them will be visiting me now. Which i object too so that will be documented in my letter and i will only let one of them in to my home.

 

Will keep you lot updated to progress. Oh i love a fight with authority. Makes me blood boil..

Edited by ErikaPNP
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There is nothing in the guidance which states that they can reject, terminate or reschedule if an official is uncomfortable. The exact wording states that requests must be accepted, there is no exclusion contained within the guidance which allows for what they are stating. I agree with you that if they are not prepared to accept and allow something which the guidance states they must accept, then they are not suitable for that particular role.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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UPDATE

 

Received a letter from the (edit) District Manager

 

He stated yes if a customer requests interview to be recorded if must be accepted however if the Customer Compliance Officer feels uncomfortable the request can be rejected and interview terminated.

 

 

what a nonsensical letter does the manager not understand english? If something is a must it cant be rejected it is not a request. The sentence makes no sense it would be laughable if it wasn't serious. This person is a manager!!!

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I agree, they should be made to do it, they are plenty of people at work have to do what they might not like.

 

First issue what has that person got to hide? after all, nothing to worry about id giving truthful and correct information

Another issue is waste of pubic money :(

 

Now they want to send two people! a total joke.

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