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    • 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
    • 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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Employer is watching us like a hawk on CCTV


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Hi,

 

Was searching on google for human rights in the work place etc and this forum seemed very helpful so here i am. Its a little bit long winded, but wanted to give a good description and a few examples so you can understand properly what exactly is going on so please bare with me.

 

I've worked for my current employer for 5 years now. Never really had any trouble, never had a formal warning anyway. I was called into the office once, and informed that my manager had been caught stealing, he admitted to it and was being sacked immediately. I asked why i'd been called in (going in the office is very rare there, id been there 2 years and never seen this woman before, she owns the business) and she said well i asked the manager if anyone else was involved helping him steal, and i quote she said "we 'think' he muffled your name under his breath". I was pretty gob smacked that a professional business owner came out with something as ridiculous as a remark like that, but rather than start saying well if you didn't hear him properly why didn't you ask him to repeat it, i just explained that i was innocent (Which i was) and that i had no idea about it (which i didn't) and that was the end of that. I later bumped into my ex manager outside of work, told him all about it and he called her a liar etc that she was 'trying it on' to see if i knew anything and would drop anyone else in it, i believed him and just thought she obviously doesn't like the look of me or trust me.

 

Anyway, about 2 weeks ago, we all came into work and there was talk on the shop floor of something else had gone missing, and there were guys outside putting cctv cameras up on the outside of the building pointing towards the exits, which we thought great at least they'll have a chance of catching the thief. They put a sign up on the wall stating that they are cctv cameras. A week later, we walked into work to what we could only describe as the big brother house. Its not a huge place, theres about 30 workers, and 12+ cameras up inside. No one told us there going up, no signs up with them, we just basically noticed them. Asked my direct manager and he just said oh yeah 'she' the owner wants to keep an eye on things, and that she's got the cameras streaming over the internet so that she can view them whilst at home and at work.

 

Same day, i went outside, loaded up a wagon, started walking inside and my direct manager come outside, "shes just been on the phone, she just saw on the cameras you havent shut the gates behind you go and close them" so of course i did. Later that day, loaded up a van with a delivery which i was told to do by my manager, whilst i was in the middle of it, my direct manager got a phone call, "whats going on hes putting boxes in the back of a van quick go and stop them", my manager told her it was an order going out for delivery and he knew all about it. He told me this happened later on after it all.

 

Thats just to give you an example of how it feels like there watching our every move, i can understand it that they want to make sure they catch who ever it is thats stealing, but they've had 2 people in the office because she saw them on cctv stood in front of the heaters for too long one day. And today to top it off, my manager had a meeting with her, came out and told me that she wanted a meeting with me and one of the other lads, i knew something was up because she never talks to us. I asked my manager what about and he said 'its about something shes seen you doing on the cameras'. We went in to see her and she had our clock cards on the desk, and said that it was about us being late. I have been late a few times only a few minutes not that that makes a difference and to be honest a warning for time keeping has been long over due for me and im going to have to sort that out as of now, but she said to us both i just want you to sort your time keeping out and work a bit harder. So i said is this just about our time keeping, or do you not think we're working hard enough from what youve seen on camera, and she said no its just about your time keeping. I left the room a bit confused as to why my manager had said she wanted to see us about something she saw on camera, and she said its nothing to do with what shes seen on camera. So i asked another manager who i get on with quite well who was also in that original meeting with her and my manager, he told me that she had been discussing with them what she had been seeing on the cameras, that she had been watching me and this other lad and that he in particular wasn't doing much work throughout the day and they had a discussion about it. I asked my boss then, in that meeting, did she say anything to you about watching me on camera? he said no. I said are you sure becuase i over heard something and have a reason to believe she did, he said no definitely no. So i know for a full on fact hes lying, which makes me not trust him in the slightest now.

 

It makes you feel very uncomfortable thinking every second of the day she is sat at home watching you. Im not a lazy worker, my manager although i dont trust him, he does like me as a worker because i help him out and am able to do more than the others in our department because ive been there a while and although i get paid the same as them theres always asking me how do i do this or do you know what to do with this etc so it takes alot off his shoulders so im pretty sure he wouldnt want me out himself as it would mean alot more work and mither for him. Hes told me that himself. So it doesnt particularly worry me that shes going to see me stood about, because its rare i do, but im finding myself now having to work differently, do my job differently because im constantly thinking 'how does this look on camera'. For example, i use a calculator alot and as we only have one in the office i used to just whip my phone out and do it on my phone, now i fear it might look like im texting, so i have to go into the office to do sums on calculator. Another example, we have to do alot of counting items in cases/boxes, im finding myself not leaning over a case counting whats inside it, because from the cameras view, im just leaning over a case, im instead knocking the sides off it, and finger counting each one so that the camera can see that what im doing is counting.

 

Basically after all that, what i (and my work mates) want to know is is this allowed? Is she allowed to put cameras up all over the place without letting us know or even putting signs up inside? And if thats perfectly fine, is she allowed to sit there watching us all the time, checking on how much work were doing? Some of the lads are saying they think shes only allowed to use them for security, but they dont know this for a fact, just guessing.

 

Another thing i thought about was, if the work place had lots of females in there, would a male boss/owner be able to sit at home watching them all day? I would've thought no, so don't see how its any different.

 

If your'e still reading after all that, thanks for your time, i know its a bit long winded but wanted to give all the details so you can give a good honest reply.

 

Thanks, appreciated.

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Gosh....what an awful woman!

Here is some information about CCTV in the workplace from the information commissioners office (ICO)that you may find useful....

Maybe you could ring the ICO and discuss it with them

 

 

Appendix 3

 

Monitoring your workforce

 

When you install CCTV in a workplace, such as a shop, it is likely to capture pictures of workers, even if they are not the main subject of surveillance. If the purpose of the CCTV is solely to prevent and detect crime, then you should not use it for monitoring the amount of work done or compliance with company procedures.

Have the cameras been installed so they are not directed specifically to capture images of workers?

Are the recorded images viewed only when there is suspected criminal activity, and not just for routine monitoring of workers? Cameras installed for preventing and detecting crime should not be used for non-criminal matters.

Are images of workers used only if you see something you cannot be expected to ignore, such as criminal activity, gross misconduct, or behaviour which puts others at risk?

If these images are used in disciplinary proceedings, is the footage retained so that the worker can see it and respond? A still image is unlikely to be enough.

In some cases, it may be appropriate to install CCTV specifically for workforce monitoring. You should go through the decision making process in section 4 of this code and consider whether it is justified. In particular, consider whether better training or greater supervision would be a more appropriate solution.

Example: You suspect that your workers are stealing goods from the store room. It would be appropriate to install CCTV in this room, as it will not involve continuous or intrusive monitoring and is proportionate to the problem.

 

Example: You suspect that your workers are making mobile phone calls during working hours, against company policy, and you consider installing CCTV cameras on their desks to monitor them throughout the day. This would be intrusive and disproportionate. Continuous monitoring should only be used in very exceptional circumstances, for example where hazardous substances are used and failure to follow procedures would pose a serious risk to life.

Is CCTV limited to areas which workers would not expect to be private? CCTV should not be used in toilet areas or private offices.

Are workers made aware that the CCTV is for staff monitoring and how it will be used? How are visitors informed that CCTV is in operation?

If CCTV is used to enforce internal policies, are workers fully aware of these policies and have they had sufficient training?

Do you have procedures to deal appropriately with subject access requests from workers?

Workers should normally be aware that they are being monitored, but in exceptional circumstances, covert monitoring may be used as part of a specific investigation. Covert monitoring is where video or audio recording equipment is used, and those being monitored are unaware that this is taking place. Before approving covert monitoring, you should ask yourself:

Is this an exceptional circumstance, and is there is reason to suspect criminal activity or equivalent malpractice?

Will the cameras only be used for a specific investigation, and will they be removed once the investigation is complete?

Would it prejudice the investigation to tell workers that cameras are being used?

Have you taken into account the intrusion on innocent workers?

Has the decision been taken by senior management?

Cameras and listening devices should not be installed in private areas such as toilets and private offices, except in the most exceptional circumstances where serious crime is suspected. This should only happen where there is an intention to involve the police, not where it is a purely internal disciplinary matter.

In some cases, covert cameras installed for one investigation may turn up evidence of other criminal behaviour or disciplinary offences. You should only make use of this where the offence is serious, for example, gross misconduct or misconduct putting others at risk. It would be unfair to use evidence obtained covertly for minor disciplinary matters.

In some cases, covert monitoring may be covered by the Regulation of Investigatory Powers Act 2000 or the Regulation of Investigatory Powers (Scotland) Act 2000 (RIPA / RIPSA). You may wish to seek advice1.

More advice on monitoring workers can be found in our Employment practices code2.

If you would like to contact us please call 08456 306060, or 01625 545745 if you would prefer to call a national rate number.

e:[email protected]

January 2008

1 The Home Office guidance on RIPA can be found at http://security.homeoffice.gov.uk/ripa

2 The Employment practices code and other related guidance can be found on the ICO website: http://www.ico.gov.uk.

Gbarbm

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Wow! What an awful Situation. I've just finished reading your post.

 

Can I just clarify, earlier on in your post you state that cameras were put up and there was a sign also put up saying that there was cameras? Then later you say there is no signage?

 

I'm an SIA licensed CCTV operator, but my knowledge only really extends to public space surveillance.

 

I would however expect that adequate signage should exist where overt CCTV cameras are positioned. They should detail who owns the system and the reason for them (for example, public safety and prevention and detection of crime)

 

I would see these cameras as a good thing. Eventually the thief in the camp will be caught if the boss is studying the live stream so much.

 

We've recently had a camera installed in our control room (watching us, watching them lol) none of us were happy about it... You feel that your trust is being questioned. Same thing here, our boss (at first) would phone down 'why is so and so on his mobile phone'... He soon got bored once the novelty wore off. I also hardly notice it... In fact (hides round a corner as I reply to this thread on my phone in full view of the camera lol)

 

I really don't know about the legal side of work place monitoring... We did moan a bit at first questioning whether our boss had an SIA license to view cameras... But were quickly advises that SIA licenses are only needed for PSS monitoring.

 

Hopefully someone will be along soon to advise.

 

Thanks for your post. I'd say, try not to let it worry you too much! Your only argument (I think) would be inadequate signage... But this can be quickly sorted with a few signs from the boss. Follow the advice that I've been giving to members of the public for 10 years 'if you've got nothing to hide, you've got nothing to worry about'

 

Hope this reply reassures you somewhat. I'm sure you'll get plenty of useful information here.

 

Kind regards

 

BM

It never rains but it pours...

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Thanks gbarb and BM for replying.

 

BM, what i meant about the camera signs, is that on the outside of the building there are about 6 cameras facing the exits and car park, and there is one sign next to one of the cameras. These were put up, and we thought nothing of it. But then at a later period maybe a week or so, they put cameras up every where inside. No signs up inside, so i dont know whether they are supposed to or whether the one on the outside will do? Would have been nice for them to let us know that they're putting them up too.

 

Thanks again its appreciated

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Hmmm, I see. Is there any way that people could enter the area without seeing the one sign? If yes, I'd definately say inadequate signage.

 

Ours also went up with no notice. Our boss threatened it for months. I came in one night and it was there... 'where is the sign, where is the sign'... 'just here BM - it's been here for years' ...'oh' (old sign from an old camera that was here for years before it mysteriously fell off the ceiling one night)

 

The guidance that the previous poster has provided is sht hot and very informative... I'm learning a lot of new stuff myself.

It never rains but it pours...

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Hi Midnight runner

The more I think about this the more I feel that the employer is in breach of data protection laws (and possibly the human rights act)

I am going to play devils advocate here....You could contact the ICO, but if an investigation were carried out by them, would it be easy for the employer to ascertain where the complaint to ICO had originated from? Would the employer then make your working life even more difficult if she thought you were the originator of the complaint?

Do you have a union? If you do it might be worth having a word with them to see if they can approach the employer on behalf of the workers in order to resolve the issue.

Gbarbm

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Might be interesting to check whether your employer has registered as a Data Controller. You can search the register here http://www.ico.gov.uk/ESDWebPages/search.asp

 

See what type of data this lady has registered to be processing and if she hasn't registered that might give you more of a reason to log a complaint with the ICO. At present, much of what is being monitored could easily be covered by 'legitimate Health & Safety concerns', and you would be left with little else to do but to complain, lodge a grievance etc.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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My wife had an experience where her manager watched her on town centre CCTV as she had friends there. She was accused of leaving work 5 minutes early.

 

Long drawn out disciplinary hearings and appeals but she won her case. Complained to the ICO and they were terrible. Took 2 years for them to finally deal with it. Even though my wifes company had already been warned under the DPA and caught out lying this time they were just warned again. ICO appear to be a toothless tiger unless its a case thats in the media.

 

With your case I believe they can put up as many cameras as they want. I believe they have to register the cameras and for what purpose they are used for and stick to that. Do you know for a fact that they are linked to the internet and she is watching you or is it just a ploy. Can you prove it? Although its not very nice I think it may be a bit of a grey area. They are being open and telling you about it, its the same as other equipment that monitors your workload/time keeping. There have also been thefts. They can also use covert cameras if they have strong evidence of theft in a specific spot.

 

Sorry if any of this has been covered in above posts as I havent got time to read through it all but drop me a PM if you need any specific advice as plenty of people have helped me

Im new to this and am just giving an opinion. Seek further clarification and advice on what I post before taking it as gospel :)

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Sorry if any of this has been covered in above posts as I havent got time to read through it all but drop me a PM if you need any specific advice as plenty of people have helped me

 

Hello guys. At CAG we don't recommend advice by PM unless there are specific reasons for it, which at the moment there don't seem to be here. For everyone's security, advice is best kept on the open forum.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Sorry if any of this has been covered in above posts as I havent got time to read through it all but drop me a PM if you need any specific advice as plenty of people have helped me

 

Hello guys. At CAG we don't recommend advice by PM unless there are specific reasons for it, which at the moment there don't seem to be here. For everyone's security, advice is best kept on the open forum.

 

My best, HB

 

no probs, will try and keep an eye on the topic instead

Im new to this and am just giving an opinion. Seek further clarification and advice on what I post before taking it as gospel :)

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Hi

Just a suggestion as the Company Boss is viewing these images via the internet do they have in place a secure server and relevant internet security not only in the workplace but at the Bosses Home Computer?

 

Have the employees been given or is it displayed the Companies CCTV Policy?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hi again, and thanks for replying.

 

Im not sure 'how' they are being stored and im not too up on servers or what they do etc, but i know she can definitely watch them from home. As she only actually comes into work 1 day a week, and shes been phoning up about something we're doing every day of the week whilst she is at home 4 days.

 

Dont think there will be any CCTV policy, i'd be very surprised. Its definitely not the type of place thats up on procedures or any aspect of health and safety. Theres lads climbing up 20ft racking, using over head cranes without a licence, as well as forklift trucks, gas bottles not stored in a cage, and we're told to hide them all in box wooden crates if any type of health and safety officer is visiting. You get the idea. I dont even have a contract, or not that i know of. I got offered the job from the manager on the shop floor, never signed anything, or spoke to anyone from the office, and that was that. Ive since had to fill in the odd 'emergency contact details' peices of paper that come out of the office, but apart from that thats it. Its not just me, ive spoke to at least 12 others in there and none of them are even sure if they have a contract.

 

The more i think about it, the more i think the best road to take is to just get a new job as soon as possible.

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Hi Midnight

Well, one good thing to come out of this is that you realise that there's only one person who cares about your health, safety and welfare and that's you.

Sometimes you have to put yourself first and look for something more suitable.

I know the current economic climate isn't the best time for finding a new job but it is easier to look for a job when you're in a job if you know what I mean.

Gbarbm

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  • 11 months later...

almost a year old now this thread.................

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Surely if they are streaming the cctv at home it is an invasion of privacy. We have cctv in place at our work that records all the cameras to a back up hard drive that they can view anything if needs be, but im sure they arent allowed to stream it at home!

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Hi GlenJJ

 

This thread is over a year old now.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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