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    • 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’  
    • I think for the moment you will have to wait for the return of the dress to you And then take some decent photographs which will show the damage very clearly. You will have to provide these to parcel to go but also you will need them as evidence for the court if that's the way this matter goes . Let us know when you get the dress and you have the photographs. It would be helpful to see the photographs here. In the meantime I suggest that you start reading as many of the stories on the subforum as you can manage in 2 or 3 days and that means quite a lot. In particular read the pinned posts at the top of the subforum which will explain the principles involved which you will probably have to use if you bring the matter to court. When you have done the reading, when you have received the dress and when you have the photographs then come back here and we can go to the next step      
    • Solid blocks of text are very difficult for people to follow and especially when they are using small screens such as telephones. This discourages people from giving you the kind of help that you need. Please will you make sure that your posts are properly spaced and punctuated in future.  I have done this one for you on this occasion
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Co-op hardship case refused - help pls


c1nders77girl
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Hi Andrew

 

I have just received an interim payment of 65% of my Abbey hardship claim, my claim will not be predudiced as a result of the OFT test case and therefore should the OFT win I will be able to get the balance.I followed this route my claim was paid out in under 4 weeks.

 

The best way to claim under the FSA waiver rules is to complete an income and expenses - joint if you have a partner,

 

All evidences of your hardship, this can be arrears on mortgage/rent, debts, court actions, medical.... etc.

 

A spreaddie of all your charges and interest (compensatory 8%)

 

A letter explaining your hardship and enclosing all evidences and documentations as above.

 

The more info you can provide the better chance you have of your bank giving a sypathetic cnsideration to your claim under the FSA waiver rules.

 

Tuttsi

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Guest Old_andrew2018

Hi Tuttsi

 

A result for you, I noticed your success with Abbey, if I ever need to make a claim under hardship rules I'll PM you for advice.

In the case of c1nders77girl, the Cooperative Bank have acknowledged hardship, however they claim they don't have to consider hardship cases.

So I say that a complaint to FOS is the logical next step, the alternative is write reminding the Co-Op of their obligations, in response they will just continue with their lying and delaying tactics.

 

Andy

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This is interesting reading. I'm on a debt management scheme but claiming compound interest (when I eventually have enough money to fill in N1) so if I eventually applied to the courts how would this affect any percentage payout?

 

I'm about to re-apply for 2 cases which have been stayed since last year claiming compound interest (instead of 8%) on those. Tuttsi, are you about to become one of my heroines?

 

 

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Hi Tuttsi

 

A result for you, I noticed your success with Abbey, if I ever need to make a claim under hardship rules I'll PM you for advice.

In the case of c1nders77girl, the Cooperative Bank have acknowledged hardship, however they claim they don't have to consider hardship cases.

So I say that a complaint to FOS is the logical next step, the alternative is write reminding the Co-Op of their obligations, in response they will just continue with their lying and delaying tactics.

 

Andy

 

Hi Andy

 

I had a thought after I posted that Co-op I do not believe are not participating in the OFT test case. That should not exclude them from either settling a claim on hardship or otherwise and I agree that if their letter is a final no no, then a complaint to both the FOS and FSA sent with all the evidences that has been sent to Co-op on which they have refused.

 

Another thought which I favour first is that the CEO of the Co-op may remedy this situation if it were bought to his/hers attention, especially if they were made aware that they were contravening the FSA waiver rules. Perhaps this info had not been filtered through to the relevant departments and the CEO would certainly not want to be fined or ridiculed by the FSA or FOS for non compliance. I would IMHO give a 7 days letter to the CEO advising them of the intentions to make a serious complaint to both FOS and FSA if they do not consider hardship claims.

 

Tutts xx.

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This is interesting reading. I'm on a debt management scheme but claiming compound interest (when I eventually have enough money to fill in N1) so if I eventually applied to the courts how would this affect any percentage payout?

 

I'm about to re-apply for 2 cases which have been stayed since last year claiming compound interest (instead of 8%) on those. Tuttsi, are you about to become one of my heroines?

 

 

Hiya Sallysas

 

I am not sure with compound intest where a claim has not already been in the court system and stayed. Is you claim with Abbey or Co-op!

 

Not knowing all your circumstances, could it be that you may qualify for exemption with the courts for filing your N1.

 

I can only tell you I was helped on another site to a very high standard of expertese and this has enabled me and many others to obtain our interim payments now rather than wait by sending everything nicely packaged.

 

Compounded contractual interest is something that I know some peeps are working on now with a court case on Friday which is now awaiting the judgement from the Judge in 1/2 weeks time. The POC etc all have to be very well presented as the oposing bank will send a barister to fight it. One of the main arguments for CCI is Sempra v Inland Revenue. You have to know your ground to fully argue this efficiently in court.

 

In the mean time you can go for compensatory interest which seems to cover whatever interest rate you want to use. My Abbey claim irronocally was contractual interest - I used the rate I was charged at the time of each charge and yes they paid 65% of that and had not argued about that.

 

Sally if there is anything I can help you with you can PM me or post here so that I can help you as much as I can. I know what it is like when you just do not have the knowledge to see something through.

 

I also believe that genuine hardship cases should be considered by all the banks not just the banks that are currently involvbed in the OFT test case.

 

Regards

Tuttsi xx

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  • 2 weeks later...

Check out the advice given on the FSA website:

 

FAQs complaints about bank charges

 

Scroll to the bottom and it mentions "If you have a case of genuine financial difficulty, your bank or building society must still handle your complaint. If you're not happy with their response, we can look at whether we will be able to deal with your case before the legal position on bank charges has been settled under the "test case" legal action."

I wonder if MBNA are the new Enron :roll:

 

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Well, after numerous letters etc. Co-Op have wrote to me today offering to settle my bank charges at half, I have am in the middle of writing a letter to advise I will accept this first payment but will still be continuing to claim the other half.

 

So, at least this has now reduced my overdraft down further & thus reducing my debts.

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html will give you all the letters you will need.

 

Don't forget if/when you file at court to put into your POC (particulars of claim) that you have already accepted xxxx amount as part-payment only.

 

Glad they're crumbling for you.:)

 

Sally

 

 

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Cinders,

 

Firstly, congratulations hun.... I am so so pleased for you, you got there in the end.

 

You should not have to reject claims under the waiver condition as the Co-Op should have made it unconditional and it should not have been in Full and Final Settlement. Have they sent you a letter and are you able to scan it in without you personal details so we can check the wording for you. They also under the waiver rules not be asking you to sign that it is in full settlement.

 

The balance of your claim should be dealt with at the end of the OFT test case and any residue will be paid then.

 

Regards

 

Tuttsi xxx

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