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    • 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!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello, first time on this forum and was wondering if anyone could advise me,

 

So i have been working for a company for 2 years lets call them "B" i have had no issues here but due to the time it takes for my travel i looked elsewhere for employment closer to home, i applied to a company local to myself i will refer to them as "F".

 

I was invited for an interview and also had 3 phone interviews, after a few weeks i was offered the job via Conditional offer, i accepted this offer, provided the information required "references" and handed my notice in at my current job with "B".

 

A few days later i was invited in to "F" get all my details sorted out and sign a contract which i did, this was a few days after providing the information requested.

 

the next day (4 days before my start date and 1 day before i left "B", i received a phone call stating that due to a negative reference from another company (lets call them "M") they are withdrawing the offer of employment, this is 2 days after i signed a contract with this company to start work the next week.

 

Now the reference provided from "M" differs greatly from the reference "M" Provided to me when i started work at "B", i have copies of both references and also the signed contracts.

 

The original reference provided by "m" before i started with "B" in 2016 was very positive and would be considered a good reference, the reference provided by "M" in 2018 is a very negative reference and does not reflect in anyway myself or the reference the same person from the same company provided in 2016.

 

I feel that both "M" for the negative reference and "F" for withdrawing the offer after signing a contract are in breach of some Law here, i am now without a job for the first time in over 8 years, i have bills to pay and less than 1 months paycheck to get me by until i find a new job.

 

If anyone has some knowledge on this subject any help would be appreciated, i can answer any questions if need be.

 

Thanks.

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a) never ever hand in your notice unless the offer is unconditional; if you do, anything that happens bad as a result is on you

 

 

b) try sending new company a copy of old reference and see if they are willing to check they have the correct John Hodgers

 

 

c) you have some redress if new reference is factually incorrect. Is it?

 

 

Workwise: get yoursef registered for temp/interim work...

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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the reference provided, is false, and also differs greatly from the one provided in 2016 by the same person, Company "F" is not willing to re-consider, company "B" has already hired my replacement (i trained them).

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False in what way?

 

 

And, get temping!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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the information provided does not reflect what happened whilst i worked for M, and also contradicts the original reference provided by them in 2016.

 

Alot off the temp work available locally is hours i cannot do and anything which is not is too far/expensive to travel to on public transport due to the awkward location i live.

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Can't help while you are being vague. Specifically in what way is it false?

 

 

And I really can't help with your choice to live somewhere awkward and not like travelling....

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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F are not in breach of the law. They can withdraw or serve notice at any time in the first two years for almost any reason. You might be entitled to some notice. Possibly. Because statutory notice in the first four weeks is nil, and you hadn't started. If, contractually, you were entitled to more, they might owe you some notice pay, but then if you push it you'll definitely never get a job there again.

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Hello, first time on this forum and was wondering if anyone could advise me,

 

So i have been working for a company for 2 years lets call them "B" i have had no issues here but due to the time it takes for my travel i looked elsewhere for employment closer to home, i applied to a company local to myself i will refer to them as "F".

 

I was invited for an interview and also had 3 phone interviews, after a few weeks i was offered the job via Conditional offer, i accepted this offer, provided the information required "references" and handed my notice in at my current job with "B".

 

A few days later i was invited in to "F" get all my details sorted out and sign a contract which i did, this was a few days after providing the information requested.

 

the next day (4 days before my start date and 1 day before i left "B", i received a phone call stating that due to a negative reference from another company (lets call them "M") they are withdrawing the offer of employment, this is 2 days after i signed a contract with this company to start work the next week.

 

Now the reference provided from "M" differs greatly from the reference "M" Provided to me when i started work at "B", i have copies of both references and also the signed contracts.

 

The original reference provided by "m" before i started with "B" in 2016 was very positive and would be considered a good reference, the reference provided by "M" in 2018 is a very negative reference and does not reflect in anyway myself or the reference the same person from the same company provided in 2016.

 

I feel that both "M" for the negative reference and "F" for withdrawing the offer after signing a contract are in breach of some Law here, i am now without a job for the first time in over 8 years, i have bills to pay and less than 1 months paycheck to get me by until i find a new job.

 

If anyone has some knowledge on this subject any help would be appreciated, i can answer any questions if need be.

 

Thanks.

 

 

 

The information held about you by any company must be accurate (Data Protection Act)

 

 

A defence for inaccurate information is if the company had a reasonable belief in it.

 

M can not use that defence as they have given a good reference before

 

I believe you have a potential claim against M as they have caused you to suffer loss

 

You need to research the DPA

 

I don't see how you would have a claim against F except you left out something

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Just because two references don't say the same thing does not mean that one is inaccurate or false. I think Joe, two years into his career as an accountant, is perfect for the post of junior accountant with Michael Biggs Ltd, and all the job specification could have been written for his experience and skill level. In think that Joe would be rubbish as the chief financial advisor to the government because he would not have a clue what he is talking about, and doesn't have the skills or experience to do the job. Same person, two references - one good, one bad, both accurate.

 

As Emmzzi has said a few times, it depends on what was said and why, and the OP isn't saying. False, in what way????

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Just because two references don't say the same thing does not mean that one is inaccurate or false. I think Joe, two years into his career as an accountant, is perfect for the post of junior accountant with Michael Biggs Ltd, and all the job specification could have been written for his experience and skill level. In think that Joe would be rubbish as the chief financial advisor to the government because he would not have a clue what he is talking about, and doesn't have the skills or experience to do the job. Same person, two references - one good, one bad, both accurate.

 

As Emmzzi has said a few times, it depends on what was said and why, and the OP isn't saying. False, in what way????

 

 

 

Using your analogy; to claim that Joe would be rubbish as a govt financial adviser would mean you have accessed him on that

 

It also would mean that you have the skills to assess him on that

 

I'm a construction site manager but have received training and volunteered as a project manager

 

If my contract manager should claim that I will be rubbish as a project manager he would be giving an inaccurate statement

 

He doesn't know what training I have received and what experience I have

 

To give out any such statement, you need to demonstrate diligence

 

The OP who has sight of both references has said one is inaccurate

 

It is not our place to speculate

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Using your analogy; to claim that Joe would be rubbish as a govt financial adviser would mean you have accessed him on that

 

It also would mean that you have the skills to assess him on that

 

I'm a construction site manager but have received training and volunteered as a project manager

 

If my contract manager should claim that I will be rubbish as a project manager he would be giving an inaccurate statement

 

He doesn't know what training I have received and what experience I have

 

To give out any such statement, you need to demonstrate diligence

 

The OP who has sight of both references has said one is inaccurate

 

It is not our place to speculate

 

In that case, it is not our right to speculate that one is inaccurate simply because the OP says so either.

 

Assessment is not the only criteria for a reference. Opinion is a legitimate criteria, and a legitimate defence against legal action. As is reasonable belief. So I am perfectly within my legal rights to say that I do not believe that Joe would make a good government adviser.

 

Without understanding the situation it is simply impossible to assess what, if anything, is legally actionable. There is therefore no way of confidently asserting that there is anything actionable based on no information except the OPs opinion. That is purely speculation.

 

Simply because we are told that the two references are different does not mean anything - we don't know what they say, why they say it, or what reason there might be for that difference. Since the OP doesn't seem to want to say anything further on those issues, then there is no reason to speculate about what might or might not be possible to do about it.

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In that case, it is not our right to speculate that one is inaccurate simply because the OP says so either.

 

Assessment is not the only criteria for a reference. Opinion is a legitimate criteria, and a legitimate defence against legal action. As is reasonable belief. So I am perfectly within my legal rights to say that I do not believe that Joe would make a good government adviser.

 

Without understanding the situation it is simply impossible to assess what, if anything, is legally actionable. There is therefore no way of confidently asserting that there is anything actionable based on no information except the OPs opinion. That is purely speculation.

 

Simply because we are told that the two references are different does not mean anything - we don't know what they say, why they say it, or what reason there might be for that difference. Since the OP doesn't seem to want to say anything further on those issues, then there is no reason to speculate about what might or might not be possible to do about it.

 

 

I believe the OP is an adult and knows what he is saying

 

I take him at face value and give him the best suggestion I have

 

I don't see why he would lie

 

I'm inclined into believing people unless they demonstrate

 

He has been fairly consistent so I believe him

 

He is an adult and should know what he is saying

 

If he says one is inaccurate, then it is inaccurate. period.

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we dont know what questions were asked on the reference request.

I dont know if you have seen them but consider the sort of stuff that goes on a positive vetting reference request- are they of temperate habit being one of the qustions you used to get asked so sometimes it can be very subjective rather than the usual can they do their job type stuff. The newco may really want to know if you are going to fit in rather than are you capable of doing the tasks so key words will leap out at them (or the absence of). This doesnt mean that a bad reference was given, it may have been identical but it lacked the neccessary flags.

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I dont know if you have seen them but consider the sort of stuff that goes on a positive vetting reference request-

 

It hasn’t been positive vetting (PV, or for that matter EPV!) for a good few years ........

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  • 2 months later...

Did you get it sorted out? I’ve just seen your post and I hope you were able to start the job. I’ve given new employers all my credentials and references with complete confidence before now, only to find out that one reference was negative, but I still got the job. Although it’s still unfortunate as I found out about said reference when my new employer handed me my personal file, with tbe reference in it, because she wanted me to fill out some paperwork which was in the file also. But at least I got to see it and I actually went and spoke to the person who wrote it and got him to write a new one. That was years ago and it’s a shame this is still going on. Maybe just be a clerical error or the ref was meant for someone else if it’s so unusual? Can’t see how they’d change their mind unless they’re stupid, but you should take the ‘good’ ref from them which you used to get your last job and show it to your new employer so at least you can prove that you’re not actually a poor employee.

 

It should be made law that all employers give a reference and if they can’t give a good one then it’s just tough, deal with the tribunal then but they should have been more careful who they take on, they’re obviously a bit stupid if they’re playing games like this but you don’t have to put up with it. You should get some advice off acas too if you’ve still got problems. They’re very good!

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Have you asked company F to review their decision and provide them with a copy of the original reference from M?

 

And have you written to M setting out their conduct and noting you may take action. Do you have the wording (redacted of course) of the new reference?

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