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    • Thanks for the replies and sorry, as it seems I haven't communicated my question clearly. I'm not after advice about how to deal with the situation I'm in. I'm on top of that and sent a SAR to Scottish Widows the day before I sent one to the FOS. My query was around the FOS interpretation of personal data and the extent of their obligations under GDPR, hence the original title They have said that "personal data is defined as any information relating to an [...] identifiable natural person (‘data subject’)" They then define an identifiable natural person as "one who can be identified, directly or indirectly, in particular by reference to an identifier such as [...] an identification number. My view is that I have a complaint reference number, which identifies a complaint raised by me about the administration of my pension so it therefore indirectly identifies me If I'm right, then I believe that all the data related to my complaint is personal data about me, including the screen shot that purportedly establishes that I received my statements. I was hoping there might be someone with better knowledge of GDPR that can clarify whether I'm right or wrong before I react to the FOS's failure to disclose  
    • Please bear with me here i shall try and make this short but with all the detail, but i need help ASAP as there is limited time allowed for this process. I have been with my company 4 years and have advanced through the technical ranks to my current position,  we have an annual report which goes from 0-4 and for three years i have never scored lower than a 3. I was promoted to the role i am in now as an area quality assurance lead and the location was for the NE ( i live in the NW) eventually a similar role became available for another role in the NW. I asked my line manager if he minded me applying for it and he had no issues, i applied sat the multi stage interview and was given the role. My role is now classed as "at risk" of redundancy as we are moving from 4 regions to two which means they are also moving from 4 roles to two roles in my position. Two people are considered safe and myself and another at risk, my question is what is the criteria to separate safe from at risk . In the documentation received from my company it is below, i have zero issues and i know cv against cv mine wins, i was even selected by the company as a company mentor because of my experience in engineering and leadership. This is a closed group of maybe ten people and i am the only non senior executive included.    ·         Performance and Behaviour : I have zero behaviour issues, no issues with performance from my current line manager.  ·         Performance Improvement/ Disciplinary Records   : Zero disciplinary's and no performance issues, in fact my line manager on record has said I'm forthcoming ·         End Of Year Rating : Issues explained below Now my line manager was leaving the company and he did tell me "there was some politics involved with you getting that role, the city build manager and head of area build had promised it to their lead engineer (something they had no right to promise as it has to go though the process ) anyway from day 1 it became very clear that i would not be accepted for this reason within their community although i did just try to help them achieve quality and specification as that was my role. After a few weeks it became very apparent as to why the role had been promised to their man, i found issues where properties had been signed off as ready to accept subscribers when they were not ready (for bonus and stat reasons) and several quality issues i discovered which we could remedy and improve our productivity (unfortunately this would highlight that these issues had been there and not dealt with) My new head of area build (part of this trilogy of him, city build manager and lead engineer)  clearly did not want me there (for the reasons stated) but paid lip service, i had highlighted that i needed to walk off some structured with our canter of excellence counterparts ( as this was part of my role to link in with them for national issues) and he responded by saying i am not to walk them off, and that we have sufficient engineers to do that task (by saying this he could make sure that the engineers would take them round to structures that are A not the ones i have highlighted, and B would have very minor issues) This battle went back and forth over the months where i tried my best to build up the relationship with  them, my attitude was ok you have made some mistakes here, but we are all a team and even though you have hidden issues i can help you remedy them and hopefully we can do so and keep them off the radar,  but they just never did, So moving forward to October last year (2023) this is getting near to annual review time, now i had helped the company out massively by working a substantial amount of weekends and nights to fix issues, and i said i would take most of the time as TOIL ( as agreed with by my previous head of area build) this was 30 days. My current head of area build said i needed to put my leave in as it had been flagged as having a large amount. When i did input the leave (it would result in me taking all of December off) he was unhappy with me and was extremely curt in his responses as he could find nothing on the system for my TOIL , i explained the situation, my line manager would ask if i could work the hours, i would, and when i wanted leave he would authorise (we had an good working relationship, he was an excellent manager) he ended up going to HR to ask their advice and a teams call was set up with myself, head of area build and HR, it was confirmed by HR that it was a company error, when you want to input TOIL there should be a dropdown option in the leave menu and one of the options would be TOIL, this had not been setup on mine. So the company authorised the leave explaining that this should have been done and hadn't, i did say that this is the way it had always been and pretty much everyone on my team then operated this way, TOIL had never been discussed and none of had this option available. So i entered my leave from 4th December - 2nd January,  My line manager was an outside contractor and was leaving the company on the 15th December. On my return i found that we had a new head of area build, it would be a temporary position as they were not going to fill the position permanently and he would be covering his role (Scotland) and this role (NW). I contacted him to say that i had not received my end of year report yet and when would this happen as i had not sat with my line manager tor mine. A little over a week later my HoAB and i had a teams call, it was a introduction meeting and end of year report, he said that he had received feedback from the outgoing manager and he had given me a 2 (i have as explained before never scored lower than a 3) he asked hoe long i had been in the current role (just over a year) as this grade can mean you are new to the role and need a little supervision, haven't built up relationships with stakeholders etc. So he explained what my grade and bonus would be and if i had any feedback, i explained that this was unfair, i had proof that i had not met my targets (i say targets as there were never really any set, but going from emails and conversation we have had, and the job description) i had even created Powerpoint presentations which were very complex into how our network works from beginning to end  as there was distinct lack of knowledge here and i am a lead trainer / assessor (this btw he was extremely impressed with) He did say he had spoken to people in the centre of excellence which o believe was the head of operations, and he did look confused as to the disparity in feedback from them and the original manager that wrote my report. I contacted HR to raising my concerns that i had not sat with my line manager to go through my report,  had i had the chance to do so, i could have rebutted anything said as i had proof of my achievements even though he had set no defined targets, i could prove that i had been extremely active in identifying and remedying issues, HR did come back to me and these are their comments  1) "Your rating was submitted by your manager at the time xxx xxxxxx and he should have carried out an EOY review with you. The rating would not have been provided in this review but feedback should have been shared" [this never happened] 2)  Initial ratings where then discussed and reviewed during a calibration process (for your team) this will have included HOABs and RDs. During this session ratings can be challenged and changed. I can confirm that your rating was not changed as a result of this session and it remained at the rating that xxx submitted. 3) xxx did provide thorough feedback to xxx xxx in a handover so if not already done so it may be worth speaking with him to understand that feedback further.   4) In terms of reputation and the concern you share – ratings are not made public and are private to each individual. 5) And this first line obviously is incorrect " As far as i can see this would be the only separator they could have measured me on to separate safe from not safe, and if so the company did not follow its own procedure. My current line manager said " an error had occurred as you had not received the option to  sir with your manager for your review, and the company needs to make sure this error does not happen again) Well then they are admitting there was an issue and it needs remedying not sweeping under the carpet. All of this is documented. To remind the rating of a 2 is not a concerning grade. Please see descriptor below Generally, needs little supervision but does on occasion require direction/supervision. Does not always anticipate changes to the work environment and could adapt more quickly. May be seen as a strong performer in certain situations or by some audiences but may not perform at that level in all situations. May need some development or guidance to carry out some elements of role. May not consistently demonstrate the right behaviours. May have been on Performance Improvement during the year but has since shown strong improvement        
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12 days up for lowell


Dorabell
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Still having problems l see dora. Well these unrecorded searches people cant see so thats good but still annoying.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Still having problems l see dora. Well these unrecorded searches people cant see so thats good but still annoying.

 

hi GM yes still having problems i can,t understand why they keep searching and not updating the account they have alledgley brought they have not updated for 6months:roll:

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The searches are to check if an

individual has taken on any new

accounts or have any debts showing

on reduced payments etc.

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Exactly as Brig has said. New debt and it being paid fully each month will show money even if the account is in dispute.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...
Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

 

And you of course replied NO CHANCE:madgrin:

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Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

 

Are they using that bliddy SMS text messaging to landlines?

 

http://www.zyra.info/bt-txt-ctrl.htm

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Too many of these SMS to landlines

most of the industry seems to have

cottoned on to it,even my bank is using

it.

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Too many of these SMS to landlines

most of the industry seems to have

cottoned on to it,even my bank is using

it.

 

Hi briggs i am registered with tps to stop these calls not doing any good thou:|

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Hi briggs i am registered with tps to stop these calls not doing any good thou:|

 

I know Dora, there seems to be no way to stop them,

advertising/marketing/insurance companies it's gone wild.

I don't have an answer.

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shocking ain,t it:|

Sure is I've had two this evening re my car insurance

renewal.

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Sure is I've had two this evening re my car insurance

renewal.

 

Interesting! I've just completed a couple of searches on comparison sites re car insurance renewal. I specifically ticked the box forbidding any contact.......the result, several of these messages on our landline. We also have TPS and the mail equivalent but this is obviously ignored.

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Interesting! I've just completed a couple of searches on comparison sites re car insurance renewal. I specifically ticked the box forbidding any contact.......the result, several of these messages on our landline. We also have TPS and the mail equivalent but this is obviously ignored.

Two more calls re insurance, we have had TPS for nearly 5 years and it has not

had any real effect.

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Please Consider making a donation to keep this site running!

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  • 3 weeks later...

Hi all another letter as arrived to day:roll:here goes

 

Dear madam

 

IMPENDING LEGAL ACTION

we are Hamptons Legal the litigation department for lowell financial ltd .We have ben instructed to recover an outstanding debt that you owe which originated from an agreement you had with capital one We note that lowell financial ltd have offered you on a number of occasions the oppertunity to enter into a payment plan so that you could clear this account but have decided not to take up the offer

 

WHAT IS THE REASON FOR NON-PAYMENT:roll:

We know of no reason why this debt should not be paid and can only assume you simply have no intention of paying it back We therefore assessing your account to decide what action to take(they said this in the last letter they sent me in december)as you are an homeowner (yes joint) it is very likely We Will apply to county court for an judgment (that was said in the letter before) against you ordering you to repay the outstanding balance if you continue to refuse to pay WE WILL consider the following:roll:

Applying for an attachment of earning order which IF granted would allow us to recover the balance in instalments directley from your salary or applying order which IF granted would secure the debt against your property (joint) or issuing a pertition to the court for bankruptcy

YOU NEED TO SEEK ADVICE

Unless you call and pay off your debt or set up a payment plan We strongly recommend that you seek professional advice so you gain a full understanding of what the above courses of action may mean to you as both could have serious consequences

AVOID FURTHER ACTION

to avoid any further action gainst you please call us on xxxxx and discuss repayment plan We will agree to a monthly arrangement WE MAY EVEN AGREE TO A

DISCOUNTED AMOUNT TO SETTLEMENT

yours faithfully xxx head of legal compliance hampton legal

 

what do you think all, any one new to this could get really frightened at the tone off this letter:|

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:flypig: File

 

Andy:wink:

Edited by Andyorch

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Dorabell,

 

Interesting that they started their letter with, "We are Hamptons Legal the litigation department for lowell financial ltd" - previously, they've not made it clear to debtors that they are one and the same company.

 

I've made complaints about their deceptive practices in the past (Lowell, Red, Hamptons - all the same) regarding their attempts to make people believe they are separate entities and therefore more threatening - and am going to report them to the regulatory bodies relating to letters and phone calls received. After four written requests, three verbal, another by email and one directly to James, their CAG representative for a copy of their complaints procedures, I've been ignored.

 

Please report them - do the same as others and complain about them to OFT, FOS etc. - there's a n ongoing investigation as to whether they're fit to hold a licence and any little helps! ;)

 

Best of luck

 

H. x

 

 

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Hi Dorabell,

 

Interesting that they started their letter with, "We are Hamptons Legal the litigation department for lowell financial ltd" - previously, they've not made it clear to debtors that they are one and the same company.

 

I've made complaints about their deceptive practices in the past (Lowell, Red, Hamptons - all the same) regarding their attempts to make people believe they are separate entities and therefore more threatening - and am going to report them to the regulatory bodies relating to letters and phone calls received. After four written requests, three verbal, another by email and one directly to James, their CAG representative for a copy of their complaints procedures, I've been ignored.

 

Please report them - do the same as others and complain about them to OFT, FOS etc. - there's a n ongoing investigation as to whether they're fit to hold a licence and any little helps! ;)

 

Best of luck

 

H. x

 

smilie.pngsmilie.png

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  • 2 weeks later...

well folks another letter arrives today here goes

 

Dear madam

YOU ARE LEAVING US WITH NO CHOICE

it is disappointing to note that all our efforts to help you clear this account seem to have failed.

We are now preparing to take legal action against you in respect of the debts that you owe to Lowell Portfolio I Ltd

the legal action we MAY take is to make an application to the county court for a judgment (ccj), or we MAY issue a statutory demand which, IF granted, would have serious consequences and the possible issue at court of a petition for your bankruptcy

WHAT BANKRUPTCY COULD MEAN TO YOU

if you are made bankrupt it could result in an official receiver or an insolvency practitioner being appointed to investigate and manage your financial situation.you could lose any rights to assets of value you have such as your home (joint) you MAY have your bank accounts and credit cards closed:-) and you could be prevented from running your own business:-)

if you are unsure of the consequences of bankruptcy we strongly recommmened you to seek advice from a solcitor and visit the official receivers website

BANKRUPTCY

if after receiving a ccj you still refuse to pay WE could make an application for an attachment of earnings order were monies would be deducted directly from your salary by your employer to replay the balance in stalments WE could alternatively apply for a charging order where the debt you have with us would be secured against your property Failure to comply with a ccj or to satisfy a statutory demand could allow us to petition the court for you bankruptcy

AVOID FURTHER ACTION

To avoid legal action WE would be willing to accept a monthly instalment of £50 until this debt is repaid please call us today on to set up the repayment plan or go to www.lowell.co.uk to set up a monthly direct debit If you cannot afford this amount please call us to discuss an amount that you can afford each month WE will work with you to agree the best solution and to avoid legal action but you need to call us urgently on

 

yours faithfully

sqiggle signature

stephen hunter

head of legal compliance

hampton legal

:-)

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Just remind me Dora how much is this debt for (ballpark)?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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