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    • I've used payslip, passport, driving licence, still can't identify me, everything is upto date address etc, 1 attempt left then it blocks me H
    • 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        
    • Also, what is the value of the dress and have you refunded the purchaser?
    • Simon Case was at the Covid inquiry yesterday. Finally. ‘Eat out to help out’ launched without telling official in charge, Covid inquiry hears | Covid inquiry | The Guardian WWW.THEGUARDIAN.COM Simon Case, who was responsible for Covid policy at time, calls Boris Johnson’s Downing Street the ‘worst governing ever seen’  
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A & L Trying Court second time


bach
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Thanks

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Well I knew you wouldn't mind Dave ;)

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi to all and thanks for good wishes etc,

this was my horescope for yesterday thought it was quite apt in view of the charging order being placed

Today's Outlook for

Thursday October 04, 2007

Yesterday | TODAY | Tomorrow

Gemini: Try saving what you already have

A quiet day like this doesn't indicate a lack of things to do. In fact, extra time is eagerly gobbled up by our need to nurture ourselves by withdrawing from the hectic pace as the Moon finishes up business in quiet Cancer. Only when the Moon proudly prances her way into lively Leo at 6:27 pm EDT are we reminded of how sweet it is to be recognized for what we do well.The desire for recognition is strong now, so we are eager to take the extra step.

Thanks again

Lynn

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Firstly a very big thank you for all your help last week,

Thought you might be interested to see what the Judge has said.

 

I received this morning a General Form of Judgement / or order from the Court it says

 

Before Judge ------

Upon hearing the Solicitor for the Claimant and the Defendent in person

And upon the Claimant having discontinued it's proceedings, by notice dated 17th April 2007

 

"IT IS ORDERED THAT

 

1. The Claimaint's application dated 8th June 07 is struck out as an abuse of process.

 

2. The application for charging order is struck out as an abuse of process and the Interim charge is discharged.

 

3. For the avoidance of doubt the judgement entered prior to discontinuance is set aside.

 

Reason

The claim was discontinued. Fresh proceedings would be required to persue any further remedy not the re-instatement of the same proceedings.

 

 

Should I be doing any thing else now?

 

Once again a big thank you

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Should I be doing any thing else now?

 

Once again a big thank you

YES and this is most important

 

 

 

 

 

 

 

 

Get yourself a large bottle of Champagne, chill it in the fridge. Put your feet up and drink to your sucess:lol:

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OK... I've replied to your PM, but just to put my advice into the public domain...

 

You should check your credit references, and require the credit reference agencies to remove the CCJ from your credit reference. Send them a copy of the judgement.

 

Then, a bit bottle of premium vinto.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hiya Lynn.... :)

 

Just had to share this one with you... (re. my A&L thread)

 

Had a letter from A&L land on the mat today and on opening it, found a junk mail letter inviting me to take out a loan to consolidate existing loans and credit cards !!..... LMFAO !!! :lol: :lol:

 

Noticed that the invitation was for a secured loan though.... lol. :cool:

 

:grin:

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  • 4 months later...

Last year with the help of some many on this site we managed to stop

A & L taking a charge over our property.

 

March 1st, I have received a Court Claim Form. A & L have decided to have another go.

 

Firstly, I do have it in writing that they are unable to produce a CCA.

The judge ruled that A & L had abuse the Court system, and threw it out. (October 07)

 

Secondly, I could just fill the admission form in and as both my husband and I are retired, there is not a lot of money coming in, I could offer to pay £25 per month, which is what I was paying in January 07, untill they decided to go for a Charging order.

 

Thirdly, we are actually about 5 weeks into the selling of our house,so I need to stop them from putting a charging order on the house.

I anticipate that it will be another 4 weeks before everything is finalised Once we move we are going into rented accomadation, so they won't be able to go for a charging order after this.

 

If I go for the second option, and suggest a small payment, I am admitting that there was a loan, and as they can't produce a CCA they really have'nt a leg to stand on.

 

I NEED TO FILL THESE FORMS IN BY 14TH MARCH

 

ALL SUGESTIONS REALLY WELCOME AS IM HAVING SLEEPNESS NIGHTS AGAIN,

 

This is my story from last year its a bit of a long read but is useful

 

 

Thanks Lynn

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Did you get a Notice of Discontinuance from the court for your last effort, if not then QUOTE the previous court case on the documentation, stating that this case is "vexatious litigation" and ask for it to be brought to the Judge fairly quickly.

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I have a General fom of Judgement or Order

Which states

 

Before District Judge -----

Upon the hearing the solicitor for the claimant and the defendant in person.

And upon the Claimant having a discontinued its proceedings, by notice 17th April 07.

 

IT IS ORDERED THAT

 

1 The claimants application dated 8 June 07 is struck out as an abuse of process.

2 The application for charging order is struck out as an abuse of process and the interim charge is discharged

3. For the avoidance of doubt the judgement entered proir to discontinuance is set aside.

 

Reason

 

The claim was discontinued. Fresh proceedings would be required to pursue any further remedy not the re-instatement of the same proceedings.

 

4 Oct 07

is

I didnt here anything else from them untill the other day.

 

Lynn

PS Could you explain what "vexatious litigation" means sorry If im being a bit thick

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http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/80311-l-regret-unable-supply.html

 

vexatious litigants are people who persistently abuse the court process and are eventually barred from issuing proceedings. There is a list on the HMCS website somewhere.

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Lynn, no problem:)

 

I think A&L have absolutely no chance of succeeding. I think a very cutting response to them and notifying the court that they are wasting valuable court time is on the cards.

 

After all, if your completion date is so close there is no way they could get a charging order even if they did have a valid claim against you.

 

I am not very conversant with 'court speak' but sure that someone can come up with a suitable response - obviously you want to fully defend the claim on the basis that they have already been kicked out of court. They really are chancing their luck - do you think it is a case of 'left hand, hello this is right hand calling'?:rolleyes:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks for advise Goldlady, Iv think I will defend the case as I have nothing to loose now once the house is sold, they can't get blood out of a stone can they.

Any other advise or opinions before I fill in forms would be appreciated

 

Thanks

Lynn

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Well for now tell the court that you will be fully defending the claim, which gives you another 14 days to prepare a suitably acidic defence. I am sure there are several people on here who will help you find the right words:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 2 months later...

Hi all,what a greeat day.

 

In May l2007 I was threatened with a charging order on the house

from A & L. With all the help I received on this site, to which I am forever truly gratful, we won the case & A & L had to start all over again.

 

This has happened, I am at the stage were I have sent my defence.

A & L had 28days from 31st March. I rang the Court last Friday 9th May and the Court informed me they actually have 33 days for them to take further action.This time has now passed.

 

The letter received from the court says "quote after this period has elaspsed the claim wil be stayed, the only action the Claimant can then take will be to apply to a Judge for an order of lifting the stay.

 

Please can anyone help with an explanation of the above in laymans terms, and is there anything I should do.

 

Many thanks Lynn

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  • 3 weeks later...

Can anyone help me?!

I started a claim against A&L in Feb 2007 to which they used stalling tactics all the way - a hearing was due last August but then a stay was put on it. I now want to try and get this stay lifted due to financial hardship but am unsure how to start. The courts have said I can apply to the judge and it will cost £75 but this very helpful website says to write to the banks CEO first. Which is fine but I just have no idea what to put in the letter. Has anyone else done anything like this yet?

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Hi Hall and welcome to CAG.

 

Could you please start your own thread using the New Thread button which is at the top and the bottom of the A&L forum page. This avoids hijacking another's thread. Copy and paste your post above to make your 1st post on the new thread.

 

Unless your hardship is caused BY the bank charges or you have other extreme circumstances, experience has shown you are most unlikely to get the Stay lifted.

We could do with some help from you

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Hi Bach,

 

I'll get this thread merged with the one you started in March which dealt with the beginnings of this matter.

 

From the earlier posts, A&L's Claim was thrown out as vexacious litigation by the judge. Has anything changed since the last case.

 

For instance have you received a copy of the Credit Agreement which they had earlier confirmed they were unable to produce.

 

How far are you now with the sale of the house.

Edited by slick132
typo

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Bach,

 

Please post here details of the defence which you entered in response to the latest claim, and answer the following Q's:-

 

1) Did you send, with your Defence, a copy of the judgement which ended A&L's last court Claim against you.

 

2) Roughly how much are they claiming from you and does the total they are claiming include penalty charges made to the a/c in the last 6 years.

 

3) Do you have the last 6 years' statements for the a/c.

 

4) Have you reclaimed any penalty charges on this a/c.

 

5) Are you willing or able to settle the debt after taking off A&L's penalty charges, when you've sold the house.

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 OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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