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    • Meat smugglers using English vehicles to evade border checks - Farmers Weekly WWW.FWI.CO.UK Criminal gangs are buying English-registered coaches and vans to smuggle large amounts of illegal meat into the country, Farmers Weekly has learned.  
    • 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?
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Hannah8686 VS firstdirect WON!!!!!! :->


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Well im new to this website and have found all the threads and info amazing......to think 3 days ago i thought my charges were irrecovable

I rec'd a letter from 1st direct on friday 23rd june stating that if i incurred any more charges they would revoke my banking faciltiys, so of course i rung them and was informed as soon as i called up (before even stating my query) that i would have to be passed to another department. I asked for a reason and the lady on the phone ummed and ahh'd a biot and gave me no reason. she did however pass me through to a lovely lady called jjane who went through various details with me then explained that over the past 11 months banking with 1st direct has cost me 1463.17 OMG what a shoock that was. So she then said she would cancel my cards and i would have to call her back in two weeks to discuss how i was going to pay back my overdraft of £340.

this was fine but obviously i was in shock about the charges so with a little bit pof research i came acrross this site

luckily for mt first direct keep your statements online so i have details of my charges already

so no subject access for me!!!

1st 14 day letter is going out in the morning so i should have a reply by monday 19th july which i know will be the same letter everyone gets. I will then promtly send on the 10th my second letter giving them a second chance and 7 days to reply so in theroy my money claim will be logged on wednesday 19th july and hopefully i will have a refund by beginning of august!!!!

we will see i will keep this post running as i know its handy to see how other people who bank with the same bank as you arre working out.

Any advice will also be greatly appreciated

:p

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:p

Ive only had the account 11 months so i have all the statements online, have just printed them off as they will probably withdraw my online facility as they cancelled my cards

- i know the charges are crazy for that amount of time, wont try to justify them but i will say for a chq of £25 bouncing £37.50 returned chq fee £30 overdraft fee and £35 unauthorised overdraft fee does make up the extent of it - £102.50 for a counced chq is ridiculous.

also just sent of a subject access request to halifax for 6 years muct be a coupld of grand there aswell. i will start a new thread in halifax for that one.

If this works i will of course make a donation - without this site i wouldnt even know to claim!!:-D

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Well got a reply from first direct today for my prelim

 

it stated the normal rubbiish of how they dont agree etc, sayong that they are unable to agree to my request of refunding my money and to escalate to KERNAGHAN which is blatently a sudaname,

 

my letter is hand signed thou, quite shocked as i thought it would be printed automatically......its signed Maureen Watson has anyone heard of her yet.

 

Well as it says they aint gona pay do i have to wait 14 days as i have already had a responce or can i send my LBA now givening them till the end of my 14 days.

 

I note some people are doing this but all different ways

 

some say wait 14 days then send LBA for 7 days some say wait and give 7 and others say dont wait just send lba wiith 14/7 days very confused..............HELP!!!!:???::wink::???:

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  • 2 weeks later...

well i waited in the end and sent it last thursday, was actually a couple of days early but my prelim went out with the wrong date on it when i checked the copy so it works out just about.

 

I only gave them 7 working days - so they have until this friday to reply.

 

 

nothing as yet but will post as soon as i hear

 

hopefully when i get home!!!!

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  • 2 weeks later...

Hiya all

 

Well i got a reply from mr kernaghen (or whatever his name is) saying he doesnt gree - thing thats funny is that i did bring up another query which did require a specific reply to - still standered responce though stating the matter is completley closed as far as first direct are concerned and to contact the ombudsman- i think mr keranage is the name of a printer lol.

 

 

well i done my moneyclaim on 16/07/06

 

it was showing as issued 17/07/07

 

so now just have to wait for it to be acknowledged...................does anyone have any idea how long it takes them to acknowledge - just really impatient so any details about what happens next would be great - anyone else who just done there money claim also would be good to know as soon as something happens:cool: :razz::|:(;):D

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Saturday morning i go a letter offering half from DG Solicitors - have written back stating that i accept this as a partial paymentand will continue my claim for the rest. Hav ealso put my tel number on it and stated they can call me to discuss if they wish. they would have got it todays.

 

 

Payday is getting closer£££££££££££££££££££££££££££££££££

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:D

 

Got offered full amoount today - only 10 days after logging the money claim

 

really happy right now hopefully it wont take them to long to pay up.

 

 

there is hope for all of us out there and i would like to thank everyone for all there help

 

Donation will be on its way as soon as money is cleared in my account

 

 

(mods sorry for starting a new thread just didnt know how to change title WON please merge)

:razz::oops::D:razz::rolleyes:

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She didnt ring me back - it came in the post. i actually rang her from work this afternoon as i left before the post this morning to check if she had my respnce...she said that she didnt know and she would have someone look at mmy file - if they didnt they would ring me. i dont think she is dealing with them personally they have admin assistants that are. i think that its just her name on the letters etc

 

you will probably have yours acknowledged tommorow and your letter on friday.

 

good luck - i will be checking your posts and ill update to let everyone know when they pay me !!

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*C*O*N*G*R*A*T*U*L*A*T*I*O*N*S*!!!!!

 

I'm still waiting on my claim to be acknowledged as I filed it on 17th July but nothing yet. I could really do with the money being returned asap as the children are on school holidays and days out are expensive. Hopefully they'll pay out just as quick as they did for you once it's acknowedged.

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Hiya

 

I will make a donation as soon as i have cleared funds

 

Has anyone managed to pursuade them to put the money into a non hsbc/first direct ac**** by BACS transfer it just i sent them a fax asking for this today - i stated on there i would accept the BACS charge of £20 LOL

 

I know i should wait for a chq just had a hefty red letter from britch gas saying if i dont pay with 77 days they will install a watermeter - halifax takes 5 clearw/days to cash a chq so BACS would be so much better!!

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helppppppp

 

i just checked my online banking (my accounts closed so i rarely bother and i have just noticed that an extra £202 in charges were added last week - even thou they reckon there charges stop at £149 even if you go over. my account has been closed for a month and my most recent statement did not show these on there.

 

Do you think i should ring debbie a'abney at DG and say that i want them added on to my settlement or we i have to claim seperatley now...........what a nightmare!!!!

 

 

 

I have already agreed that my overdraft be settled with the proceeds. i know i am able to say i dont want this and demand that they pay direct to me but to be honest i want rid of the debt before it goes to a debt recovery agenency cause at the moment it aint affectiing my creadit file.

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I would just send a letter saying these extra charges wouldn't have occurred if they had not delayed and ask they be added to the claim.

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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I actually phoned them this morning (first direct) and explained that they had not otified me of these charges and therefore i would like them back. i told the lady that i only had a statement two weeks ago and there were no details of charges on there.

 

She then said that they dont have to put them on there if the account is closed ................this is how ridiculous they are im sure there is some law that states they have to notify me.

 

Anyway she said that she would credit the account £74. not even half but better than nothing. im gonna call DG in a bit to explain that these charges have been added since the claim and could they also be erefunded. if not i will state i will do another moneyclaim.

 

I actually put in my letter to mr kerr that i wanted all future charge not yet applied to be taken off. so if they wont refund he has already had notification of sort that i dont want to pay these so i will ddaft a letter giving him 7 days to pay these back- if he dont i will moneyclaim straight away. im not going through the 28 days again lol

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Money paid into my first direct account yesterday.............donation will be coming shortly

 

the account is closed so they are sending me a chq apparently so it will be about 10 days till i get the funds cleared as halifax take 5 clear w/days and i have to rec've it

 

 

survey has been completed

 

donation will be coming shortly

 

just filed my next moneyclaim for halifax...............and new lba has been sent by electronic mesage(thougt id try a new approach this time) to first direct. Olny for £130 this time so hopefully they will pay up quikley

 

 

good luck to everyone and i will carry on posting about my second claim with FD

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Well done Congrats!!!!!!!!!!!

I have always been about the same place as you but mine bit delayed as been on holiday. Just attempting my moneyclaim as we speak. Reading your good news will help me fight through the confusion. WELL DONE and good luck for the others.

First Direct Data Protection 5/06/06

SETTLED IN FULL 23/08/06. £4412.30 charges plus 8% interest and court costs .

OH Halifax Data Protection 05/05/06

SETTLED IN FULL 23/08/06 charges plus 8% interest and court costs £738.78

MBNA SSettled in Full before court action.

Yorkshire Bank - Pre lim stage

Royal Bank of Scotlcand pre lim stage

Argos Card Services pre lim stage

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Congrats on your win! Ive also just sent for extra £75 in charges, hoping they will just roll over and give it to me like they did my first lot! Cant believe they charged you nearly £250 in one month - its shocking

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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I know, its daylight robbery, just hopeing the banks are gonn lower there charges soon like the credit card companys, i know we can claim them back but we have to wait and with 2 kiddies to feed sometimes you need the money quicker lol good luck with all your claims, hopefully they will pay out straight away for our second time, they know we aint bluffing about the court action and as its smaller hopefully we will both get a chq shortley :-)

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Hiya Hannah,

 

I am made up you have won against them i have been having sleepless nights with F.direct i am in a pure snowball situation.

Each month i get paid i pay them the money i already havt got in charges. Nightmare.:o

 

Anyway i have sent them the first letter, asking for the money back and today i got the standard letter back from them saying NO !

Here is my question i hope you can help with,

do i know have to wait another 14 days to send them the second letter ? or do i send the other letter giving them 14 days, before i go ahead with the moneyclaim letter ?

Also is the second letter the LBA ? I have read the FAQ and the steps but am still not sure.

Also do you know if when the steps say keep the claim to £5000 that means in more than one account or if this is just one, as i have a total claim of £5350 coz my joint account had £2500 and my sole the rest, do i let them off or can i claim them seperatly ?

Any help would be most appretiated.

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