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    • Lowell has recently bought over one of my old debts and in chasing me for payment have sent details of the debt to my ex-wife via email. Let me first start by saying i do owe the debt and I don't dispute it; whether it is unenforceable I don't know and this post/thread isn't to find that out. Lowell bought this debt earlier in the year for an account I ran between 2021 and this year before falling behind with payments and the debt eventually being sold off despite my attempts to deal with the original creditor. Lowell have sent me ONE letter in respect of the debt before reaching out via email to my ex-wife, giving information about the original creditor and the amount owed. I'm very concerned that Lowell have adopted this approach as I thought contacting a friend or relative about a debt was outlawed by FCA, but to find they have done this has left me shocked and a little embarrassed. I'm also concerned that they have potentially breached GDPR by sharing details with a third party without my consent. While there's little personal data given aside from the creditor and amount, I am mentioned by first initial and surname in the email sent to my ex-wife. I've never used this email account, have never had access to it and it has no connection to the original creditor so I have no idea why Lowell would use it to try to reach me. I've made a complaint to Lowell both about the communication being sent to a third party and potential GDPR breach, but should I be doing anything else?
    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
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Expiry of Dr Certificate


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I have been off work since the 12th March firstly with flu, swollen glands etc and terrible headaches (apparently caused by a cyst which is going to be removed next month) Spoke to my manager at work (work in a call centre, so they are not happy about my absense) and advised her that my Dr had signed me off until Tuesday 25th, so would be back that day. Just checked my certificate and ive been signed off until the 27th. Admittedly I should have checked sooner, but he asked when I was due back to work after the holiday weekend so told him Tuesday. Now, I feel fine now, but is it ok to go back to work before it expires?? This may sound like a stupid question, but in all honesty I hate my job and would welcome an extra couple of days off lol, who wouldnt?

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Hi Clare

 

I am not an expert in this and my reply is based on being a manager and employee.

 

You should phone into work and explain the exact dates the doctor has signed you off and apologise to your employer for getting the date wrong. Say that the doctor wants to make sure you are fit to return.

 

From an employers persective, you can't go back to work as the doc as signed you off as unfit. There are Health and Safety, welfare and national insurance considerations, duty of care, etc. If something happened to you whilst you were at work, whilst "signed off", the employer would be responsible. As an employer, I would not dare take the risk.

 

Hope this helps and that someone confirms the exact position.

 

Best wishes for a speedy and FULL recovery

regards, Kenny:)

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Hi Kenny

 

Many thanks for your prompt reply, very much appreciated. Will call my manager first thing in the morning. Cant say im looking forward to it as they will not be happy, but its not like i take a lot of time off normally. I just hate the way employers make you feel guilty for being unwell.

 

Cheers

Clare

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Kenny is absolutely right - you cannot go back to work while you are still deemed unfit by your doctor. Whether or not your employer is happy is their problem, not yours, and they cannot penalise you in any way for being off sick. If it is an inconvenience to them, then they have to deal with it and make arrangements for cover.

 

I hope you feel better soon:)

 

Kind Regards

 

Ell-enn

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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you will also need to make an appointment with your dr to be cleared fit to work. Just so your empolyer nows you are fit for work.

 

My mum had to have this appointment b4 she went back to work as her empolyer would not allow it if not. She works for a big company tho.

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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you will also need to make an appointment with your dr to be cleared fit to work. Just so your empolyer nows you are fit for work.

 

My mum had to have this appointment b4 she went back to work as her empolyer would not allow it if not. She works for a big company tho.

 

I believe that once your certificate expires, you are deemed by default to be 'fit to return to work'. Although following a long illness you may be referred to Occupational Health, so that a suitable return to work plan can be implemented, that will support any lingering effects that you may have.

Consumer Health Forums - where you can discuss any health or relationship matters.

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mum had the same symptoms as Clare and savers, her employer, said she had to get clearance from her Dr before she came back to work.

 

She was cleared and went back.

 

It may depend on the company tho.

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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Hi, I think you only have to get the doctor to sign you fit for work if you're returning before your sick note runs out.

 

I returned to work last year when I still had a week left on my sick note (I felt much better and was sick of daytime TV!) - and like others was immediately sent home as the insurance didn't cover me to be in the building whilst I was signed off!

They said I could either return when my sick note had expired, or earlier if I got my doctor to sign me fit for work.

 

I had to put up with another 2 days of Dale Winton before I could get a doctor's appointment! :mad:

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gdgd clare the result u should have got.

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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