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  1. Thank you for coming back to me. Yes the notice dropped of my CRF as it was over the 6 year period. I will send off a CCA request
  2. I have today received a letter from HSBC saying that my credit card account debt has been sold to Cabot as of July 2017 and I should arrange to continue to pay them not HSBC and HSBC will not correspond with me anymore. This relates to a credit card that defaulted in 2011 and I have been paying them back an agreed sum of money each month and always maintained payments. Having had run ins before with other collection companies I wonder if anyone could help with my concerns? - My payment agreement is with HSBC and now Cabot now seem to want way more than I can physically afford and say that I need to complete a financial assessment to make a new plan otherwise they will take action - The sums of money Cabot seem to reference seems excessive compared to what I think I owe. Can I somehow check what the values are and if they include any fees etc - In buying the debt how does this affect my credit file. HSBC has not been showing on my CRF since January 2017? - Should have I been notified of the sale of my account beforehand? The last time I had to deal with Marlin it really made me ill from worry and I do not want to go through this again
  3. The client isnt happy and I agree, however the employee doesnt. Would anyone have a link to HMRC for details on this?
  4. Thank you. Would anyone have a link to any useful website that could confirm
  5. I wonder if anyone can help as I am not finding the correct information anywhere or getting confusing answers. I have an employee that is claiming mileage to visit a clients offices. As I understand it he can claim from the normal place of work to the client offices but not from home direct to the clients offices. I have tried to look on HMRC but it doesnt really help. The contract with the client says reasonable expenses are to be paid, therefore mileage could be recovered, however they too have raised the query on why they are paying from his home. Any thoughts please?
  6. Thanks for the quick response. A number of other parents have started to get together as they do not like what is being said and what is happening. The case can be found on google and on local papers websites. I am trying to offer support as an impartial person to a very upset individual
  7. Sorry for not getting back sooner. The complaint is one of bullying against a member of staff. So far nothing has been proved to the contrary and nothing is stacking up to support the claim, however the reputational damage to the person the complaint is about could be quite damaging. The CPO that took the statement has publically announced to others on numerous occasions the personal dislike for the person and has expressed her wishes on getting the person removed from the club. There has been accusations already that false claims have been made and other parents in the club have been contacted to generate stories about the person.
  8. The CPO isnt registered with anyone but only takes the role as a voluntary position within the club. No DBS is held with the governing body either. Should i raise this with the local council?
  9. Sorry please excuse. The CPO works for a sports organisation and is signed up to the sports governing body, however they are never quick as responding to anything !!. The CPO and the child were the only two people in the room and no one else. The child I think is either 14 or 15
  10. A statement taken by a child protection officer who is known to falsify statements and has a history of fraud. The statement was taken in a changing room behind closed doors and with no other person present. The child is under 16s years of age.
  11. I am sorry if this is in the wrong location and please move if necessary. Could some please explain if it is legal to take a statement from a child, concerning a bullying case, when no other adult is present with the child other than a so called child protection officer, and then get the said child who is under 18 to sign the document in front of that person? The main element of the concern is that there is no witness to the way in which the questioning was undertaken and if the statement is a true reflection of the conversation with the child - taking into account the adult who took the statement was convicted of fraud in 2009 and narrowly escaped a jail sentence there is concern that the statement may not be a true reflection of what was said. I am also concerned that potentially a child has been made to sign a document by the adult undertaking the questioning without any present to offer support or advice. Any help would be appreciated
  12. If anyone could offer some advice on employment rights/laws etc I work for company "A" on secondment into a clients offices. I notified the client that I was intending to leave my company at which point the secondment client looked for ways and means to keep me. A company called "B" provides contract staff to the secondment client and I had been asked by the client to speak with them so they can retain my services for the next 2 years. Up to this point it is pretty straight forward. Company "B" have a contract in place with Company "A" to supply them contract staff to outsource and have said there is an anti poaching clause in place which they cannot get out of. The contract is over a year old but has 3 years left to run. Company "B" did not approach me for a job I approached them on the advice of the client. My Company, Company "A" is now stopping me from leaving and have said they will prevent me from joining Company "B" at any costs. It is within the same industry doing the same job but with better benefits which Company "A" cannot provide and at the request of the client. Anyone able to offer any advice on this matter?
  13. Yes the payment plan is still in place with the original creditor and I am still paying.
  14. I have a debt with LTSB credit card. I sent a CCA and SAR to them back in March 2011, of which they were unable to supply me with a signed copy of the CCA and suggested that by me using the card I accepted the T&C's - I disputed this many, many times and challenged them to take it further which they did not. During the communications during this time I entered into a debt management plan with them at an agreed price per month and have been paying this for over 3 years now. Over the last 2 years I have only had 3 statements from them. The last correspondence was in September 2013 saying that they would cancel my DMP as I needed to increase the payments. I again challenged this and reverted back to my agreed DMP. I have never missed a payment. In February 2014 Marlin contacted me to say they now controlled the debt and that I was to start paying them, and with more money, otherwise they would take me to court. I sent a reply letter asking for copies of notice of assignment, copies of statements etc and had a generic letter back saying they had the right of ownership of the debt and to please pay more or go to court. I have not paid anymore, nor changed to paying them but have maintained payment to LTSB. Today I have been alerted that Marlin have entered a Credit Card Agreement to my Equifax account showing a start date of 07/05/2004, which was the original LTSB start date, a different account number and a default date of 15/09/2011. This does not correspond with the date of default on the original LTSB account which was March 2013 As far as I am aware LTSB have never fulfilled my original SAR and CCA by supplying the necessary information and they have not communicated with me during this time. I have had no copies of transfer of the alleged debt nor any communication in respect of what I owe etc. I have worked hard to repair my credit report and settle debts with the amount of money I can afford and now this is being undone by the entry Marlin have now added on my account. Would my best position be to ask Marlin for a true signed copy of the alleged credit card I hold with them that they have identified on my Equifax report? Should I send both CCA's and SAR's to both LTSB and Marlin? Any advice would be appreciated.
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