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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Grievance procedure


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A serious H&S breach occurred at work last year where I raised a grievance. I'd never raised one before or done anything like this.

 

My first meeting with my immediate manager and the area HR person was awful and they were intimidating, aggressive, lied a lot and were rude. I recorded the meeting. My grievance was not upheld. I asked for a copy of the minutes and after repeated requests I received them. It was not a true and accurate record of events so I forwarded a copy of the recording to my manager and the head of HR.

 

I had my second meeting with the head of HR who stated that the first grievance had not been handled correctly. I presented my previous and now current grievance points to them. After waiting a few weeks they informed me my grievances were not upheld.

 

I then forwarded further proof to them to back up my grievance. The MD of the company has now come back to me asking if I want to appeal the last decision. BUT has also advised me that he will not reconsider previous points raised nor any new points outside the grievance stage. I asked for clarification on this, where his information had came from and to why. Now I'm been ignored and they won't reply to me.

 

Do they have to answer my points raised? Each time they've not upheld my points, I've forwarded proof to show that my points are valid and do exist and they sweep them to the side and not answer them.

 

I have been signed off from work with injuries connected with my grievance and on SSP.

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Hello and welcome to CAG.

 

I expect the guys will be along with advice for you over the course of this afternoon and evening.

 

Have you spoken to the HSE at all? They would listen to your concerns if you want to report them, but I think they should also advise you if you have protection for being a whistleblower. Their number is on their website.

 

My best, HB

Illegitimi non carborundum

 

 

 

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hi, sorry to hear what you have gone through :( sounds horrible

 

as above, i'd go to the HSE first - was what happened to you RIDDOR reportable?

also CAB would be a good place to go as well, though you might get someone really good, or really bad :s but its worth going!

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

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Hi and thanks for the welcome :-)

 

Yes, it was RIDDOR reportable and it was reported to them.

Initially, I contacted HSE who told me to talk to Environmental Health.

EH visited them but my works stated that the appropriate updated risk assessments were now in place. EH couldn't force them to do something outside the guidelines but made a few suggestions which kind of fall in line with my grievance. I have this on email from them.

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  • 3 weeks later...

To give a quick update:-

 

I have been with the company for well over 2 years and not a trade union member. I spoke to ACAS who told me that what they are doing doesn't sound correct as it defeats the point of an appeal if they won't revisit either previous or new points. They also advised me that should I need to take this further then the appeal stage needs to be addressed and completed.

 

I asked my works for a copy of there grievance policy (not the rough outline in employees handbook but the copy of the policy they were working from). They told me that it was all contained in the handbook and there was no policy. I was then given a 3 day deadline to appeal but still stated not allowed to revisit or raise points. I appealed during the time scale - I ignored what they said that I could/couldn't do and sent it anyway. I was then emailed a few days later saying that I could no longer appeal.

Almost two weeks later they email me and request I attend an appeal meeting in 4 days time but if I cannot make it, then the appeal will not go ahead.

 

These guys actually seem to be enjoying themselves .....

 

My company sick pay stopped (don't get me wrong, I am grateful that they honoured this) but aren't they supposed to let me know this in writing along with holiday pay and entitlement that I'd previously asked about? It just so happened that the company sick pay stopped when they were aware I had started a personal injury claim, provided them with extensive further evidence of my case and had disagreed with the second meetings outcome and to why? Maybe just coincidence eh?

:-o

 

ACAS have said that while I am employed by them, then they can literally do as they please but if it gets to an ET and I win, then the ET may award extra for them not complying to guidelines. It seems daft that you'd have to resign to do this in the first place :roll:

 

Anyone else been in this situation? I'm waiting to hear back if the house insurance legal cover will help out, so fingers crossed I might get the help that really is needed as my employers really aren't nice people to deal with.

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