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Found 23 results

  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Thought id challenge the processing of my personal data by a former employer in relation to my banking data, death-in-service beneficiaries and emergency contact details (wife and son's personal data). I left the company in June 2016. The ICO's public guidance is that the aforestated data should be deleted once the employee leaves the company. The ICO has just made a decision that is contrary to the public guidance??? the decision states companies can process the data for seven years. This is bizarre - either the public guidance requires amending or the ICO decision in my case is
  3. Disclosure and Barring Service New identity checking guidelines READ MORE HERE: https://www.gov.uk/government/news/new-identity-checking-guidelines
  4. Hello. My employer tried to make a thing about how I performed my duties whilst working on the shop floor. Whilst going over the footage with them (nothing found), I seen that the CCTV showed footage of me getting changed down to my underwear (as there are no changing rooms). HR and my supervisor have both seen this footage. The employer hasn't registered with the ICO to use the CCTV but also hasn't put up signage, etc in the workplace to say that CCTV will be used and watched. Is there a legal position on this or am I getting needlessly upset?
  5. Our house was repossessed in 2009 and sold at auction to recover the outstanding mortgage balance. The sale left a shortfall of £25K+ which the lender came after me for, and being in our late-60s with no savings, assets or investments following a business collapse this is being repaid at £5 per month from Pension Credit sole-income. At this rate it would take over 400 years to settle. I have twice formally requested that this be written off, as it is clear that there is now no expectation in retirement of there being a substantial income or a radical change of circumstan
  6. Hi, apologies if this is the wrong place to post this but just thought I'd ask for some help. A few weeks ago I was referred to Steps to Success (N.Ireland) with Ingeus being the provider. Having heard bad press about them I Google'd a lot and came across this great forum. The massive Ingeus thread was a massive help and calmed my nerves and I've saved a bunch of information from it such as Freedom of Information posts, operational guidelines from DWP, etc. giving me more confidence on how to deal with them and not be bullied into doing anything I don't have to do just so they can earn a
  7. Anyone know how to get around these? I need the maximum dose every day and we're getting a bit fed up with having to go to the pharmacy on average twice a week. Is there any way I can buy 2 weeks worth in one go?
  8. The following attachment contains guidelines on filing defaults with credit reference agencies. It was published in 2007. guidance_on_defaults.pdf These guidelines have now been superseded by a new set which apparently have been drafted by the credit reference agencies themselves but with approval and apparently "close involvement" of the information Commissioner. high_level_prinicples_document_final.pdf You can spot the difference because the original 2007 version is on information Commissioner headed notepaper and the information Commissioner claims responsibility for it.
  9. I have a query, which I hope someone can help me with. In the Consumer Credit Sourcebook, under Section 7.15 about 'Statute barred debts', there are numerous references to paragraphs and annexes in the DCG. I am nigh on certain that this pertains to the 'Debt Collection Guidelines' formerly issued by the now defunct OFT. Unfortunately, the old OFT website is now completely dead, so I can't check this out there. I have searched elsewhere online, but any copies I have found don't fit with the paragraph numbers quoted in the Consumer Credit Sourcebook. I am assuming that I
  10. Hi All, Just a quick question. My partner recently went through a disciplinary at work. (Large retailer) During the process, my partner was not allowed to see any of the evidence at any point. Partner is a union member and the rep said that he could view witness statements, interview notes, etc, but that he could not reveal anything to my partner. Consequently, at the final disciplinary hearing, my partner just had selected "snippets" read out by the store manager and asked to comment on them. There was no indication how many statements there were, or whether evidence f
  11. A surge in the number of people representing themselves in court has prompted legal organisations to draft guidelines for lawyers who come up against people who find themselves in court without legal representation. The guidelines have been developed by the Bar Council, Chartered Institute of Legal Executives (CILEx) and the Law Society in response to the rising numbers of people representing themselves in court without a lawyer as a result of cuts to legal aid, the increase in the small-claims limit and the introduction of employment tribunal fees. The practical guidelines a
  12. The Money Advice Liaison Group (MALG) has today published its updated guidelines on mental health and debt. The Good Practice Awareness Guidelines for Helping Consumers with Mental Health and Debt, now in a third edition, are designed to help creditors, councils, debt collection companies, enforcement agents and advisers. They help those people working with borrowers experiencing mental health conditions and debt, where their condition affects their ability to manage money. MALG Good Practice Awareness Guidelines for Helping Consumers with Mental Health Proble
  13. I am looking for clarification on Law regarding Vet referrals. As I am sure a lot of us have learned over the years, Vets can be rip off merchants, incompetent, abusive, use rough handling of our furry family members etc. These days, I find I no longer have a main Vet but try to use the best of each Vets speciality. For example I follow the nutrition advice of one Vet. If I needed neutering surgery I would go to another, in an emergency I woukd be forced to another and so on. Sometimes though, for diplomacy, I think its better to just go to a new Vet with a fresh start. If
  14. Normally I wouldn't start a thread but this particular subject lies very close to my heart having lost my daughter this year a few days before she was born. The general gist of it all seems to be that NICE are of the opinion that for low risk pregancies, it may well be safer for mums to give birth at home. Up until the day we found out our daughter had died we were smack in the middle of the 'low risk' category and expecting a very normal, healthy little girl, The link to the BBC article is here:http://www.bbc.co.uk/news/health-30206540 My views, for what they're worth, are that
  15. Just sending a removal of implied access letter to Moorshat after they turned up today at friends house. Luckily I was there and they got send packing after I laughed at the pathetic drip of a rep. Not sent a Removal of Rights letter for years. Are there any updated bits apart from the OFT bit?
  16. hi i have a quick question on guidelines for DCAs. i have searched around but cannot find the answer. I have received a letter from Mackenzie Hall for an alleged debt. the debt issue is fine, and i can handle. my problem is when the send a letter they send the letter in a brown envelope with urgent in capital letters on the front of the envelope. this seems to me, to be breaching debt collection guidelines? can anyone comment on this? thanks
  17. Hi guys i sent a standard cca /soa/default request to a high street bank via recorded delivery which having just checked was delivered to them in early july. I have had absolutely no response at all, not even an acknowledgment. The default was made up solely of charges which i refused to pay. what do i do next? thanks
  18. Ive recied a late notice today for not taxing my car for £80 or £40 if paid within 14 days but was not given chance to pay this penelty as my car was clamped and inpounded today.My car was insured and was going to pay penelty and tax car which I explained to the clamping firm but they said I still had to pay the penelty aswell as the release fees.I believed and understood from the late penelty letter that I had 28 days to pay and no clamp would be put on my car but ive now been told ive got this wrong and the penelty was just for tax backdated I owed .This seems harsh please can anybody tell
  19. Quick Question: Does it state anywhere in the new FSA Guidelines that in order to consider a Full and final Settlement figure, that a DCA needs to see a completed Income and Expenditure Form, in order that they can assess whether we can afford the sum proposed. Cheers in Advance
  20. Hi guys, Hope someone can help. A DCA contacted me with an alleged debt owed to Orange, I had no knowledge of the debt, asked for evidence, none provided. I spoke to Orange who said the alleged debt had been sold to the DCA so they couldn't even discuss it. Heard no more about it so assumed the error had been resolved. In 2011 I got a letter from Orange and a new DCA saying Orange had sold the debt to them. I wrote to both, again stating I had no knowledge of the alleged debt, please provide proof. Also argued that as Orange had claimed to have sold the debt previously, where
  21. Not seen this posted here yet. I have shamelessly purloined it from another forum ...
  22. Hi, praticaly all correspondence I receive from my respondent's solicitors is liberally peppered with quoted sections from various procedures and legislation. So much so it does induce a certain amount of word-blindness and unease (which I think is part of the reason it is included!). Are there a few basic pieces of legislation and/or guidance notes that I should be looking at in order to appreciate the overall business of the Tribunal and the responsibilities of both the claimant and the respondent. The tribunal service sent me a few very basic booklets - but nothing that covers th
  23. Hi, I just wondered if there are any regulations or guidelines that companies must follow before entering a default with a CRA? I've heard the term default notice but not sure if that's what it relates to or if they have to send one out. DCA sent me a letter saying they bought the debt and a default 'has been placed....' ie they placed the default before even notifying they owned the alleged debt/that I owed any money! Any info gratefully recevied
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