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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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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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