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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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unfair dismisal. do I have a case?


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The duty manager has just called.

He has been told not to give a statement because it is my duty to launch the appeal.

I can use his name in my appeal as a whiteness and he can be called upon during the investigation process.

 

I think thats all we're going to get Ell-enn.

Time for the final draft you think?

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Hi, will look at the statement in a moment.

When you hand in your appeal, make sure you address it to the correct person (it should also be in a large SEALED envelope) and ask for a signature or receipt for it.

 

When will the duty manager be calling you back? if there is already a written document from him (incident report?) which is on your file, then you are entitled to a copy of it whether the head of personnel likes it or not. If they won't give it to you before the appeal - we will mention that in the appeal document, and refer them to it (adjourning the meeting if necessary).

 

I will need you to stay online so we can get this all together as soon as possible.

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OK, next.........

 

Can you PM me the names of those present on the day you were sent to hospital (17th August?) who was the duty manager who would have written the incident report.

 

Were you kept in hospital overnight?

 

What date did you return to work after the hospital incident i.e. what date did your line manager send you home (I can't work it all out from the sickness absence record you sent me!).

 

What is happening with the statement from the first aider? was she only present on the occasion you were sent to hospital or second occasion when you were sent home.

 

It's a shame the girl who witnessed you being sent home and told to stay off until you were better isn't able to give a statement, but we can't put any pressure on her. Would the person who sent you home have made a report that day?

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Ok, so it looks like we don't have any statements from anyone who overheard you being sent home on Wed 22nd. I will work with what we've got and reference witnesses you can call to substantiate your claim.

 

Do you know who called the ambulance?

 

Be back shortly........

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Duty manager didn't seem willing to take responsibility for calling the ambulance.

He says:

 

The first aider suggested they should call an ambulance immediately and he agreed.

He says he does not know who it was who called it though.

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Right - we will have to go with what we have - if the statement from the first aider turns up we will ask to submit that on the day as supplementary evidence which was not available at the time of submission.

 

I've PM'd you what to write on the appeal form - I will email (to the address you ave me the other day) the appeal doc as a word attachment.

 

Please confirm when you have completed the instructions.

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I've PM'd what to write on the form.

 

I've emailed the appeal document.

 

When you have got it all together, remember to take a photocopy of everything before you hand it in.

 

Let me know when you have it all together.

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Great Stuff! have you got a photocopy of everything? If so -

Go give it to them boy!!!!!

 

(and don't forget to get a receipt for it)

 

Then go home, have a drink and try to relax until you get the appeal date. Well done for being brave!

 

Ell-enn x

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Cheers! I will be having a little G & T later on myself.

 

I'm afraid it's just a case now of waiting to hear what date your appeal will be heard. Don't worry - we'll cross that bridge when we come to it.

Enjoy your pint!

 

Ell-enn

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Ell-enn, I have another question or you.

 

I have been called today by a company offering me an interview for tomorrow. They are a top company so naturally I accepted straight away.

 

But what should I say when they ask about why I am leaving my previous employer?

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How did you apply for this job?

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Good morning :)

 

I actauall applied or this one before any of this unpleasent buisness with my current/ex employer even started. about 4 weeks before actually. I had thought they hadn't considered my application but apparently the closing date for applicants was only last week.

They are a good company but I'm not sure what to say about current circumstances.

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