sgtbush, while some may think this is a bargain, I see this as a significant change to my contract of employment, without consultation or my consent. I didn't attain two university degrees and 20 years of corporate experience to be shoved into a menial admin role, and would rather resign to progress my career elsewhere.

Hi there, I am UK based, a Brit and have recently received a new job spec which contains responsibilities much more junior to my existing job spec. Also, a number of my key job functions have been omitted. Background: I have been working in the London branch of this large multinational US company for 10 years, have never had any performance issues, and the company put me through Harvard Leadership course in 2014. My career has progressed really well, under a number of managers, until the new boss SS (Based in the USA) stepped in. The first sign of trouble was my performance plan drafted by previous manager included a goal to step up one level end 2016. Although I overachieved targets end 2016, SS declined to promote me, stating there is no concrete evidence for the promotion. I continued working, performing functions at times higher than that of SS (such as Board Presentations). By end 2017 SS stated he will not action the promotion because if does not fit into his team structure. I told him I'd be looking for another job within the company, and applied for one (no feedback yet for this posting). Yesterday, SS discussed my annual bonus and salary increase, no problems. Then he said me new title has changed slightly, and pointed me to a new HR website where all staff roles are aligned along with job specs. The job specification I have been given now, comes into effect 1 March and the responsibilities are significantly more junior than what I have been performing for the past 3 years. It is significantly more junior than my current job spec, and large portions such as my Program Management responsibilities have been omitted. My title, pay scale and job grade is the same though. I'm not of the nature to start grievance or HR steps, but feel very worried. Could the US bosses simply not know much about UK employment law, or is SS taking a fat chance with me?

Hi Lamma, No judgement in default, no court claims, nothing. Just went straight for a Statutory Demand. I cant confirm the amount as I suspect "that side" will also be on this site, but it was well above £750, including a hellova lot of additional fees and interest at 9,5 APR. I have a good defence, based on their T's &C's which they issued to me which do not include any provisions for charges or interest rates. In my view the demand is unlawful, but let's see what a Judge says.

Hi Cardiff Devil, It is a PPC, no council and no railway bylaws, no credit or loan agreement, just demands to settle their "parking contravention charge notices" based on their standard terms. Their "proof" is the letters of demand posted to me, and my not paying them. I think a new strategy may hit a number of readers, and this one is serious. If you do not apply to set aside a statutory demand, insolvency proceedings could follow. I have requested the demand be put aside and also directions from a Judge, and will let you know how things pan out.

A quick work of caution: After ignoring PPC's demands for the past 18 months, I have been issued with a Statutory Demand (pre-petition for bankrupcy). I have applied for it to be set aside because I do not admit to the debt as their demand is based on an unlawful contractual penalty Due to pending legal action I cannot provide more details at this stage, however do take note that a "new process" seems to be followed by the largests PPC in the UK. If there are any solicitors on this site, kindly PM me as I may require legal assistance? So far I'm following the advice on this site, use logic and hope for the best, however I may be a test case? Many thanks - the mozzie

The only account linked to the ex is our joint Natwest mortgage account which has been in place for 8 years. We divorced 4 years ago, he bankrupted 3 years ago, and I have never been connected to any of his businesses or other accounts.

Chris, I have £ 200K equity in house, and earn £ 60K p.a. I recently requested an overdraft from Natwest (£ 500 for just 15 days) for laser eye surgery during my holidays. I made it clear to Natwest that I expect a £ 6K bonus by end July, so the amount is well covered. It would just have been convenient to have the surgery done during my holiday, which was last 2 weeks in July, rather than during work time. Natwest refused. I negotiated with my Natwest personal banker, and he referred to HO. HO refused citing negative association. I immediately walked accross to a random high street bank (now the 'new bank') and they arranged a new account with an £1K overdraft within 48 hours. I asked myself this: If I was mugged in Soweto and rung Natwest for an emergency advance to get me back home, what could I expect from them? (and also, I bought a new BMW 6 months ago through BMW Finance, after Natwest refused to finance a vehicle. No problems with BMW Finance, my finance was approved within seconds.) I have been with Natwest for 8 years, and I could remain there for the rest of my life but I dont see any reason why I should be held responsible for the wrongdoing of one of their other cleints.

Hi Chris, Thank you for your reply. No, ex does not work for Natwest. He was a business client of theirs until he liquidated - he ended up owing Natwest around £250K, with CCJ's etc. The liquidation occurre post divorce. Effectively he is blacklisted within Natwest. My divorce order is for the Natwest mortgage to remain in joint names but I am liable to pay the mortgage and the house was transferred into my sole name (i.e. I have a negative association within Natwest bank because I cant kick the ex off our mortgage). This negative association had been removed by Equifax et al from my credit files so my credit scoring is very good with other lenders.

Hi, I have found this site extremely helpful in the past and wondered if someone could advise me? After long standing problems with Natwest I decided to move all accounts to another bank. This will be in 3 phases: Phase 1: Move main account and all debit orders away from Natwest (now) Phase 2: Move Natwest mortgage (Oct 2009) Phase 3: Move Natwest Loan (2012) The issue I have with Natwest stems from an internal association with my (now liquidated) ex husband. (We have been divorced for 4 years). My credit records are fantastic outside of Natwest and I can easily obtain credit with other lenders, however with the internal negative association, Natwest treats me like a pikey. Anyway, new bank is in the process of transfering all my direct debits from Natwest, however Natwet refuses to transfer the direct debits set up for my Natwest mortgage and Natwest loan accounts to new bank. Natwest insists I have to keep my Natwest account open to service these transactions (this is an advantage premierre account costing me £ 12 per month). Natwest also indicated they are unwilling to transfer my mortgage at all due to wording on our divorce court order. Can I do anything? (I am signed up with my mortgage until Oct 2009 with Natwest at favourable terms, plus my Natwest loan is also on favourable terms taken out before the credit crunch - so I am reluctant to transfer these accounts and incur penalites plus higher interest.) Your thoughts will be greatly appreciated!

Name of the investigating officer at the Info Commissioner is: Kevin Flynn (sp?) Shhhhhht! He mentioned an IT person at MBNA caused the breach, so I think this is perhaps higher up than loans.co.uk I have filed an application to the Court for: 1) Compensation (see my previous posts) 2) An Order for loans.co.uk and all subsids or related companies to delete my data. It is going to be hell representing myself with a set of legislation I dont know well (DPA 1998 and AML 2003 regs) against such a giant, but I have a strong view against bullish behaviour by large companies. Good luck to you guys and keep the pressure on relentlesly!

Following my 'Notice of Legal Action' letter, loans.co.uk wrote back within 4 days stating they will not pay any compensation. I am firstly surprised by their bullish and fast reply, and secondly also surprised that they will not delete my data from their records. On the latter point - as I have never been a cleint of theirs - are they entitled to hold onto my data, and if so, how long for? Lones.co.uk claim they have a "statutory and legal obligation to retain" my details. Does anyone know under which law they must keep data of an applicant? I mean it is bad enough for one breach, but it seems loans.co.uk is hell bent on securing my data for future breaches too. What do you think a Court would make of this? Do I stand a chance? In any even I have given loans.co.uk until mid Nov to settle my claim for compensation and to delete my records, thereafter I will file an application though the Courts.

Just a quick update: Many thanks for all the replies and information given. Loans.co.uk has not replied to my letter as they promissed to, so I have today sent a Notice of legal Action letter to loans.co.uk. I am claiming liquidated damages of: CIFAS subscription fees @ £11,75 per annum for 6 years Additional bank fees to cover ID fraud insurance £144.00 per annum for 6 years Leave taken to deal with their incompetence: 2 days Postal and administrative costs I reserve the right to seek further damages including un-liquidated damages from loans in the event that this matter is not settled within 14 days of my letter. I sent the letter per registered mail to Julieann Greer Managing Director Loans.co.uk 6 Marlin House Croxley Business Park Watford Herts WD18 8TD The Customer Advocate Office MBNA Europe Bank Limited PO BOX 1004 Chester Business Park Chester CH4 9WW United Kingdom Willian J. Fox Global AML Compliance Executive Bank Secrecy Act Officer Bank of America Corporation (the Corporation) Bank of America Corporate Center, Charlotte, NC 28255. USA I recon between the above brainboxes they should be able to see the light. Zootscoot, Although my innitial losses (Argos and flights and store cards) have now been refunded by my bank, I have had to incur additional costs to protect myself against future fraud. I am a single parent and sole breadwinner for 2 children thus cannot afford to let my kids go hungry 6 weeks at a time while I wait for banks to refund defrauded transactions. Additional insurance against further fraud in my case is essential. I am aiming for Small Claims track, and will let you guys know how things proceed. Kind regards - the Mozzie

Dear all, I have not yet received a response (due to postal strike) but expect the 'no compensation' letter any day now. I will definitely take the matter to Court (if all fails small claims track). If I may make the following suggestions: 1) Is there a way by which we can alert a moderator and gain some help here? I dont see a red alert button anywhere. 2) We should stick together and perhaps make one large application to the Courts - if not possible, then we should make regional applications. Example1: I am in West Sussex disctict, so anyone in my district chould combine forces and do a joint application. Example2: Decide on a joint solicitor on a no-win-no-claim baiss and we all instruct the same guy. When the Information Commissioner comes to see me later this month I will ask his oppinion on how best we can proceed. Example3: We can use one 'Subject Matter Expert' (SME) in Court to explain best practice access control to the Judge. I work in financial services and have spoken with a couple of people. We definitely have a case. Using one SME will save us costs. 3) I will have a clearer view towards the end of Oct and plan launchign an application early Nov, so monitor thsi thread towards end Oct? As said I am definitely off on a small claims track if everythign else fails, but I think a Judge will act in the best interest of the 'community'. If there is a number of us involved (i.e. a community) then we stand a chance to take a large company like MBNA on. Otherwise I fear many of you who have not suffered actual losses may lose out. Now where's that Mod?

It is a game called 'pasing the buck'. According to the Information Commissioner we are entitled to compensation, please see: http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/taking_a_case_to_court.pdf I will claim damages from loans.co.uk for actual losses, including my time taken off work to sort out the mess, the actual financial loss I suffered, 5 years CIFAS subscription and 5 years bank fees at £ 12 per month for ID fraud insurance. Above this I will claim for distress. Whilst I understand not everybody will have suffered actual (liquid) loss, I think we all are entitled to compensation. After all loans.co.uk will have 'employee liability insurance' (ELI) so will in all likelyhood reclaim our claims fom their insurers. If they do not have ELI then they will be operating illegally.

Just a quick update: I have had a call from an investigating officer of the Info Commissioner who confirmed they are investigating MBNA alongside the Police as a criminal matter. The officer will take a statement from me and I may become involved as a witness for Crown Prosecution. Like Zelig I am asked to record letters and unsolicited contacts. I will in all likelyhood receive a gagging order so wont be able to update this site. The Info Commissioner will contact my bank and obtain whatever details they can relating to the fraudulent transactions. As a seperate issue I will take civil action against MBNA to compensate me for my loss. On this front - like most of you - loans.co.uk told me they will respond to my complaint by 18 Oct. I will lodge an Application through my local Court soon thereafter. Question: Whilst I can calculate my actual financial losses (includign days off to resolve bank issues etc) - how much do you claim for a breach like this? How do you quantify the value of your identity and then justify this to a Court? Tips pleazzzz? xx - the Mozzie