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You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

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BankFodder BankFodder


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    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
    • Hi, Few days ago my car was taking by Tower Hamlets for parking in a single yellow line. The contravention time states in the PNC from 10:50 to 10:56. Is it possible that they can take my car just for 6 minutes contravention? Is possible that due to the COVID-19, I can challenge that PNC? My neighborhood is always full of cars and there are not enough parking spaces, so everyone parks in a single yellow line if there is not any parking spot available. I do not hold a parking a parking permission. I was not able to apply for it due to the covid.  Any help? Thank you very much.
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rusty24

cctv recording with sound.

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A new owner has taken over my wifes work, its just a small shop, but they have installed cctv and sound recording all over the shop, the reason they give is to watch shop lifters, but the places of the shop that this is a problem hasnt been covered?

My question is although its reasonable to want to watch the shop, what about recording your talking or chatting all day? Seems wrong somehow, can anyone shed some light on this please?

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Audio and video should not be used together. In any case the recording of images or sound requires consent or at the least, forewarning. So there should be a well placed sign to advise customers that they are being monitored. If consent or forewarning is not given, the person who owns that recording can only use it for their own personal use, and cannot make the recording available to a third party.

 

He's on very dodgy ground though using audio recording as in these circumstances it does not appear justifiable and my feeling is he would be in hot water should a member of the pulic raise the issue of human rights legislation.

 

Recording customer's inbound calls to call centres is justifiable, the customer is forewarned by an automated message stating they are being recorded and has the choice to abandon the call before it is answered if they do not want to be recorded. However imaging is not used, obviously in these circumstances.

 

It is justifiable to record an interview when a person is being charged by the police having an interview under caution.

 

Audio recording in public facing customer services roles should only be "triggered" audio. For example, the recording device is triggered by a panic button being pressed or is triggered by noise rising above a certain decible point. In some call centres although inbound calls are automatically recorded, most outbound calls are not but some companies have software whereby if a customer or staff member raises their voice above a certain level, audio recording is triggered to protect customers and staff from abuse so that there is evidence.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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Im not sure how this seems. So can I take it that its illegal to record sound as well as pictures?

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It's not illegal per se. If it were illegal, mobile phones with build in video (with audio) would be illegal to sell, as would camcorders etc.

 

If someone is recording audio along with images, they must be justified in doing to otherwise it can be an infringement on a person's human rights.

 

Similar to someone signed off work by the GP with a MED3 sick line. An employer does not have to accept that sick line and can legally insist the employee returns to work. It's legal for an employer to do this. However if that person decided to take the matter to an employment tribunal, the tribunal may find the employer in breach of health and safety laws. Though he hasn't completed any illegal action by insisting his employee returns, he may have breached H & S by failing to perform a risk assessment, failing to involve occupational health for a full and frank assessment, and failing to implement reasonable adjustments for his employee.

 

So, just because something is not illegal another piece of legislation can challenge that.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Ah I see, so to summarise , It still goes against human rights and personal privacy, which they cant do unless there is a good reason for it. Thanks.

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If consent or forewarning is not given, the person who owns that recording can only use it for their own personal use, and cannot make the recording available to a third party.

 

This is covered by the DPA. However, not all third parties are included. For example, there is an exemption for handing to the Police (s.29) or using such a recording in Court (s.35)

 

He's on very dodgy ground though using audio recording as in these circumstances it does not appear justifiable and my feeling is he would be in hot water should a member of the pulic raise the issue of human rights legislation.

 

Human rights legislation does not apply to private companies (unless they wish it to ie. they can volunteer) - only public authorities. The rights of a MoP are 1) not to shop there again, and 2) obtain a copy of any such recording via s.7 of the DPA.

 

In some call centres although inbound calls are automatically recorded, most outbound calls are not but some companies have software whereby if a customer or staff member raises their voice above a certain level, audio recording is triggered to protect customers and staff from abuse so that there is evidence.

 

Most call centres automatically record all trunk activity, inbound and outbound. In my experience only back office lines are not routed via recording.

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An interesting update, the owners turned the sound down on the monitor to make it seem like the sound was off, this only became apparent when the owner questioned one of the employees about something that they had said,which was " who put these boxes in front of the till like this?" as the till was needed for customers.

It turns out that even when taking a break outside they are being recorded, secretly as far as the employers think at the moment, surely this isnt allowed? All the staff are disturbed about this coming to light and dare not open their mouths in case of saying something wrong.

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