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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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    • We have finally managed to obtain the transcript of this case.

      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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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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andrew hart/hartinvestments/paydayoverdraft.com/Wage Payments and Payday Loans Ltd - claimform - PDL i know nothing about - scam? **Claim Discontinued**


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So if this guy is only the broker and 'contracted' to collect on behalf of the lending company - who is the actual alleged 'lending company'? If there is no actual record of any money being paid to ads or a contract - what exactly is the claim based on? I still think submit a defence but also a strong letter to the court manager as the only reason that the guy has for using the court process is to use it to conduct a campaign of harassment against ads.

 

If this ever got to a court hearing, the first thing a judge would ask is ' did you receive this money?'

 

I seem to remember that ads contacted Trading standards and they have said that they cannot take action as this is now a court matter. Not sure if ads has contacted the boys in blue, cannot remember without looking back

 

Hi CD

 

The "Broker" remark is in ref to the Moneymona company he seems to have and not (I think) linked to the OP's situation

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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As a solicitor myself, I'd just like to offer a few more words of advice. First and foremost, if you have had a document served on you that looks like a Claim Form issued out of a County Court, please ring the court and check whether the document has been genuinely filed and issued. Any fraudster can very easily download the Claim Form in PDF format and make it look as if it has been issued by a court. Only the court staff can tell you if an issue fee has been paid and a court file has been opened. If it turns out that the form has not been filed at court, you must report it to Trading Standards because you may be the victim of a con-man.

 

And if the court has confirmed that a file has been opened, then file a Defence. It is quite an easy thing to draft. In numbered paragraphs: 1. It is denied that the defendant has ever entered into the alleged or any contract with the Claimant 2. It is denied that the defendant is in breach of contract as alleged or at all 3. The Claimant has failed, despite repeated requests, to supply documentary proof of the alleged contract. The defendant asks the court to strike out this claim and to order the claimant to pay the defendant's costs on an indemnity basis.

 

(Please don't worry about using legal jargon - the courts don't give a **** about that, they just want to know why you are disputing the debt)

 

I disagree with the advice given by the previous poster who suggested asking for lots of documents and agreeing to pay the claimant's costs for supplying the documents, which plays into the hands of an unscrupulous claimant (if he is unscrupulous, which is perhaps still open to debate).

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Thanks JOn, very useful. The helpline for Northampton should be on the claim form, give them a ring Ads is see if this is genuine. The defence for this would be pretty 'embarrassed', if needed at all. Did you manage to acknowledge the claim on line and say you will be defending it, without any problems? This could mean he has submitted it. Ring them anyway and ask if any further documents have been filed as the guy claimed he was going to do this.

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Ads - did you ever apply to him with a query about a loan? This could be how he has your details. can you describe any contact you had with him or any similar 'broker' type companies? I know a relative of mine applied to such a company and ended up having 'an arrangement fee' taken from his bank account which he is having great problems getting back. All these people are sh*st*rs, allegedly

 

I recall that ads said early on that this may have involved an account of his which had suffered some unauthorised activity in the past. This suggested identity theft to me, which is why I encouraged ads to involve Insp Knacker.

 

Thinking about the harassment side, I wonder if it may be useful for ads to send Herr Hart a short email, to the effect that he denies any debt to Hart, will defend the claim in court, and will consider any other communication (apart from responses to his legal requests for docs), to amount to harassment.

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Very good call SP.

 

I am still interested to know if Ads has ever registered on any web site offering loans and given them any info. There may not be an email record of this. These t"ssers pass info to others. There is no disgrace in this, anyone can get hooked and you are talking to the expert in sub prime lending practices.

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A very interesting thread, and well done guys for the advice to Ads.

 

Just for the record, a few years ago I was looking for an hotel for some friends to stay in, I lived local to Muswell Hill at the time.

 

Went to the Raglan after checking their website, walked in the door, didn't even talk to the obergruppenfeuhrer, and walked straight back out the door. It really was a toilet.

 

Ended up putting them in the hotel just down the road, around the same price, but ten times better.

 

Hope all goes well Ads, looks like you're onto a winner with this idiot.

 

Buncrana.

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hi.

Yeah I applied for loans online and entered my details, some said they were actual lenders then it went on to say we havet found a suitable lender but we will put you intouch ie Yes Loans etc.

 

I entered all teh info on the online claim ok, I did ring the court and they confirmed papers were correct.

This morning I recieved this:

Good morning,

 

a question. Did I do anything wrong that caused you to not want to pay back?

 

 

 

 

is there something I can do or discuss with you to get you paid back. Is there a deal we can come to and finish this matter?

 

 

I am interested before next action in court. If we can agree something I would be very happy as we can all move on.

 

 

I can be reached on 07710111108 or email.

 

 

If you choose to ignore this then I will have no other option but to go back to court to get your answer.

 

 

Best regards,

 

 

 

Andrew Hart

Account Manager

 

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Cheeky Git, he has not got a case!. These 'apply for a loan' websites are very suspect and rarely result in anyone receiving such. They seem to record details and often pass these to 'others', resulting in loads of spam and text messages. I imagine that the unscrupulous could use this for chasing people for non existent debts, using threats and depending on people's ignorance and embarassment

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I think it is criminal harassment, but the problem is getting anyone to do anything about this. I think that referring it back to TS may be a start and certainly a complaint to the court.

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Difficult, do you have a contact at TS as it may be worth having a word and explain that you are still being harassed? Are you on benefits at all as it may be possible to get help to take court action against him yourself as this is clear harassment not a 'debt problem' as such. I am thinking aloud here

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Im awaitng confirmation that I will be recieving Employment & Support Allowance as the doc signed me off sick for depression (after I put my noitce in!)

I do have a contact at my local one but she's the one whos told me hands are tied etc..

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My suggestion above that ads tells the creature that he will defend the case in court, and putting him on notice about harassment, is designed to ensure firstly that anything further from Hart will be done knowing that it is likely to be harassment (so he may stop - but my guess is he won't), and secondly to put ads in a position where he can turn the tables and bring a counterclaim for harassment.

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You do not have to take him to court - Make a counter claim for harassment in addition to your defense.

 

This should explain how to make a counter claim - http://www.hmcourts-service.gov.uk/onlineservices/mcol/userguide/claimant/counterclaim.htm

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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I think this guy (Andrew Hart) is so full of himself, that he fails to realize that his over confidence and over the top self believe is about to become his downfall.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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For a Counter claim, ads will have to pay a court fee, but can get help with this if on a low income - free if on Income Support.

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I think you need to visit your LOCAL County Court Office and find out what the fee will be for a counter claim, I think it depends on the damages you wish to claim from Mr Hart. Also, they will help with an application for help with fees which will probably depend on your income over the last couple of months. It could be well worth a trip.

 

We will also need to look at how much you can claim and your argument

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I think the phrase ‘criminal harassment’ gives you a clue where to go. Insist that Mr Plod takes your complaint seriously – the fact that there is now civil litigation is not the issue. In fact, contacting you after issuing a claim and makes it worse and all the more reason for Mr Plod to have a quiet word with him.

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What will the FSO do then when they said they will get intouch with him?

I just want this to end as its really starting to get to me, I jump everytime the home/mobile rings and Im petrified when theres a knock at the door.

Im 32 yrs of age and petrified at who knock on the door, how much of a dick do i feel.

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