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    • Well done. Are you able to tell us more about how it went on the day please? HB
    • when mediation call they will ask the same 3 questions that are in their email you had to accept it going forward. simply state 'i do not have enough information from the claimant to make an informed decision upon mediation so i refuse. end of problem.  
    • Food prices, including a $40 chicken, has stoked fury and calls for big foreign supermarket chains to come to Canada.View the full article
    • Which Court have you received the claim from ? Civil National Business CEntre Name of the Claimant ? Lowell Portfolio i Ltd How many defendant's  joint or self ? Self   Date of issue –  15 Feb 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  The claim is for the sum of £922 due by the Defendant under and agreement regulated by the Consumer Credit Act 1974 for a Capital One account with an account reference of [number with 16 digits] The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit ACt 1974 which has not been complied with. The debt was legally assigned to the claimant on 16-06-23, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of the issue of these proceedings in the sum of £49.15 The Claimant claims the sum of £972 What is the total value of the claim? £1112 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I dont know the details of the PAPDC to know if it was pursuant to paragraph 3, but I did receive a Letter of Claim with a questionaire/form to fill. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after April 2007 ? no Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned/purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware, I'm not certain I received a 'Notice of Assignment' from Capital One but may have been informed the account had been sold without such a title on the letter? Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not since the debt purchase, and not from Capital One. Why did you cease payments? I can't remember - it was the tail end of the pandemic and I may not have had enough income to keep up payments - I am self-employed and work in the event industry - at that time. I also had a bank account that didn't allow direct debits and may have just forgotten payments and became annoyed at fines for late payments. What was the date of your last payment? Appears to be 20/4/2022 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Here is my Defence: Defence - 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have in the past had an agreement with Capital One but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request.. 3. Paragraph 2 is denied. I am unaware of having been served with a Default Notice pursuant to the Consumer Credit Act 1974. 4. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) 5. The Defendant has sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of said request. 6. A further request has been made via CPR 31.14 to the Claimants solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The Claimant has not complied and to date nothing has been received. 7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement and; b) show how the Claimant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 88 CCA1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim 8. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed 9. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974 10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. .................. Please note that I had to write a defence quite quickly as I hit the deadline. At the time of writing the defence, I hadn't been able to find correspondence from Capital One, but had since found default letter etc. I submitted CCA request and CPR 31.14. However, I didn't get any proof of postage or use registered post for the CPR (an oversight) but did with the CCA request. I received a pack which included a letter from Overdales, going over the defence I'd filed, as well as letters of Lowells and reprints of letters from Capital One. But I have no idea if this pack is in response to the CCA request or the CPR ! I would have expected two separate responses ... although I do know they are both the same company. Looking over the pack today, and looking through old emails .. I find some discrepancies in the Capital One default letters (notice of default and Claim of default). They are both dated *before* an email I have stating that a default can be avoided. The one single page of agreement sent (so not the full agreement) has a 16 digit number at the top in small print, next to 'Capital One' which corresponds to a number called 'PURN' printed at the top of each of the 10 pages of ins and outs of the account (they're not official statements, but a list of monthly goings) yet no mention anywhere on either of the account number. I cant really scan them at the moment - I can later tomorrow, but that will be after the mediation call I'm sure. I guess I may be on my own for this mediation ... I am not certain the CCA request has been satisfied .. or if the CPR has been . And then I appear to have evidence that the Default notices provided are fabricated ? Yet, I do have (elsewhere ... not at home) Default letters from Capital One I can check ..
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Ex employer may cost me employment by not responding to reference requests


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After 2 years of looking I landed a job with a decent organisation I wanted to work for. This job offers pension, progression opportunities, sick pay etc so its not just a case of this causing me to lose a job more like a new career.

 

In August towards the end I was offered and accepted a conditional offer of employment. One of the conditions being references one of which had to be ex employer. Since then the reference request has been sent out three times and my ex employer has not responded.

 

I have tried chasing it up several times at my potential employers request, when I have chased it up I get told "we can't speak for the person writing it" and there's always an excuse that he's not there etc. Relaid this back to potential employers and the reasons why I think they are not writing it (spite). Offered other employer references but these go back years (employed with ex employer 9 years).

 

Last Thursday morning(4 weeks after 1st ref request) my potential employer told me they had rung my ex employer and spoken with their HR department (which doesn't exist) and they have assured them they are going to return the reference(how long does it take, are they sending it via snail back) Nearly a week now still not heard anything which means they haven't received it.

 

I was employed 9 years roughlyresigned on health grounds, with good attendance and time keeping and a top performer production figures don't lie, until my injury with no disciplinary's, although 1 pending for an argument with a supervisor(about what duties I could perform with my problem) and swearing in retaliation. While I was off sick I also wrote a grievance letter about the Manager regarding my sick/injury leave (his attitude, jobs I could perform etc) this got passed back to him to deal with.

This resulted in him threatening more disciplinary's with so called witnesses, when I queried that it was a witch hunt in retaliation he laughed to try and make me respond with something silly. Overall I deserve a good reference and even if they think not why not write a bad one, I listed my Supervisor who once agreed he would write one (a few years ago) and who always tried poaching me when we worked separate shifts.

 

Another reason I think they are spiting me is I threatened court action over unlawful deduction of wages/non payment of holidays which was a lot of money they was withholding.

 

What can I do if they don't write it.

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After 2 years of looking I landed a job with a decent organisation I wanted to work for. This job offers pension, progression opportunities, sick pay etc so its not just a case of this causing me to lose a job more like a new career.

 

In August towards the end I was offered and accepted a conditional offer of employment. One of the conditions being references one of which had to be ex employer. Since then the reference request has been sent out three times and my ex employer has not responded.

 

I have tried chasing it up several times at my potential employers request, when I have chased it up I get told "we can't speak for the person writing it" and there's always an excuse that he's not there etc. Relaid this back to potential employers and the reasons why I think they are not writing it (spite). Offered other employer references but these go back years (employed with ex employer 9 years).

 

Last Thursday morning(4 weeks after 1st ref request) my potential employer told me they had rung my ex employer and spoken with their HR department (which doesn't exist) and they have assured them they are going to return the reference(how long does it take, are they sending it via snail back) Nearly a week now still not heard anything which means they haven't received it.

 

I was employed 9 years roughlyresigned on health grounds, with good attendance and time keeping and a top performer production figures don't lie, until my injury with no disciplinary's, although 1 pending for an argument with a supervisor(about what duties I could perform with my problem) and swearing in retaliation. While I was off sick I also wrote a grievance letter about the Manager regarding my sick/injury leave (his attitude, jobs I could perform etc) this got passed back to him to deal with.

This resulted in him threatening more disciplinary's with so called witnesses, when I queried that it was a witch hunt in retaliation he laughed to try and make me respond with something silly. Overall I deserve a good reference and even if they think not why not write a bad one, I listed my Supervisor who once agreed he would write one (a few years ago) and who always tried poaching me when we worked separate shifts.

 

Another reason I think they are spiting me is I threatened court action over unlawful deduction of wages/non payment of holidays which was a lot of money they was withholding.

 

What can I do if they don't write it.

 

Might pay you to go to the job centre and report what is going on, as I was told once that an employer has to respond in a reasonable time to reference request, even if they did not want to, the reference must be accurate (there use to be wordings with certain meanings i.e. unsatifactory, with out stating that word) so enquire from job centre they should move things along for you??

Edited by Old Cogger
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I don't believe that there is a legal requirement for an ex-employer to provide a reference, so I don't think there is anything you can do to compel your ex-employer to give you one.

 

Does the reference have to come from your last employer? If not, have you ever worked for anyone else who might be willing to provide you with a reference?

 

Another thing: your potential employer is being more than a bit inflexible here given that I think there is no legal duty for an ex-employer to provide a reference. Is there anyone in this organisation to whom you can speak to try to sort out the matter should you not receive a reference?

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There is no legal obligation for an employer to provide a reference apart from in certain sectors, such as financial services. Where the employer refuses to provide a reference, you are extremely limited in terms of what you can do. You may have to, for example, prove that it is common practice for the employer to give references and that their actions in not giving one are malicious or discriminatory in intent, whereby there may be a claim for damages if your new employer retracts the offer of employment.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Not financial. Doesn't them saying they are doing the reference to the potential employer prove that they write them. Otherwise surely you would say it is not company policy to write it. Something needs doing with reference law, they have the power to potentially keep me unemployed.

There is no legal obligation for an employer to provide a reference apart from in certain sectors, such as financial services. Where the employer refuses to provide a reference, you are extremely limited in terms of what you can do. You may have to, for example, prove that it is common practice for the employer to give references and that their actions in not giving one are malicious or discriminatory in intent, whereby there may be a claim for damages if your new employer retracts the offer of employment.
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Been emailing one of their HR department staff telling them what's happening with ex employer. Offered other references, problem being they go back between 9 and 12 years, and they wanted last employer on application form. Not 100% sure it will cost the job, hoping they will see my point of view with them lying about writing the reference over the phone to potential employer. Got two good non employer references.

I don't believe that there is a legal requirement for an ex-employer to provide a reference, so I don't think there is anything you can do to compel your ex-employer to give you one.

 

Does the reference have to come from your last employer? If not, have you ever worked for anyone else who might be willing to provide you with a reference?

 

Another thing: your potential employer is being more than a bit inflexible here given that I think there is no legal duty for an ex-employer to provide a reference. Is there anyone in this organisation to whom you can speak to try to sort out the matter should you not receive a reference?

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Agreed. There are a multitude of possible reasons that an employer could give for not providing one - snowed under, misplaced, the cat ate it....

 

I agree that providing a reference should be obligatory, even where it just confirms start and finish dates. At least it sounds as though you are keeping the new employer abreast of the situation.

 

You could also try a Subject Access Request to the previous employer asking for full disclosure of all documents relating to your employment. This would at least provide the confirmation over your length of service and although not a reference would provide some details which might help the new employer to confirm your employment.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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While giving a reference isn't obligatory they can refuse to give one, however a previous employer must give a potential employer the dates you were employed what your basic job role was and how long you worked there for. This basically confirms your employment with them. Have a look on the acas or business link websites

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Does the new employer know of the circumstances of your leaving the last employer? It strikes me under the circumstances you left the reference from the last employer is the last thing that you would want.

 

Also, I am intrigued by the circumstances of you leaving which was obviously whilst under dispute with them. There appears to be some injury that limited your ability to do things ... is this enough to qualify as a disability? You were obviously asking for some reasonable adjustment which was being disputed. You obviously submitted a grievance over this and the employer's reaction to it was less than satisfactory. Then you left as they were going to vistimise you.

 

In those circumstances you MAY have a claim for Disability Discriminatiion, (if the injury qualifies) Victimisation, (if you complained about discrimination in the grievance or at least raised the discriminatory circumstances) Constructive Unfair Dismissal may also be applicable.

 

The thing is if your new employer still insists even after knowing the circumstances in having the reference, you could try submitting an ET claim for the above. Of course the main thing you want is a reference and a letter requesting such is not unteasonable in exchange for dropping the claim.

 

There are time limits in the ET and you may have to act quickly to start the process.

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Does your employer have to give you a reference?

 

If you want to leave your job you will probably want a reference. It's good practice for your employer to give one, but they don't have to if your contract doesn't say they have to, except in some regulated industries like financial services.

What information will be in the reference?

 

References must be accurate and shouldn't mislead the employer asking for them. This means that if, for example, you were disciplined when you worked for the employer who's giving you a reference, this may form part of the reference. However, unless you agree, information like your medical record or any spent criminal convictions shouldn't normally be included (as it will not be relevant).

If a reference you have been given isn't accurate or is deliberately misleading it may amount to defamation, in which case, you could claim for libel. You will need to speak to a lawyer about how to do this. If you are still employed it may amount to constructive dismissal.

An employer may choose to give a reference that just confirms your dates of employment. There is nothing unlawful in this, unless your employer normally gives full references and is discriminating against you.

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you a reference

If you complained about discriminatory behaviour by your employer, and they won't give you a reference as a result, you may be able to claim for continued discrimination (victimisation).

If you need a reference while you are still employed

 

If you feel that a prospective employer asking your current employer for a reference would cause a problem, say so at your interview. Your prospective employer may be prepared to wait until you have told your current employer that you are leaving. You have no special protection under the law, but if you are dismissed because your employer is asked to provide a reference, this could amount to unfair dismissal.

Asking for a copy of your reference once you start your new job

 

Once you start working for a new employer you can ask them for a copy of any reference they've been given from your previous employers. They should supply it to you under data protection law.

Job offers

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I had no choice in listing previous employer, in the email contact I have filled them in on the circumstances regarding me leaving and what occured after (I can prove the unlawful deductions , grievance letter kept copies. And still have my consent form to see the company doctor who never turned up).

 

It was a shoulder injury, but was told by a solicitor a month before I resigned (resigned roughly 6 months ago), that the company had been sly not pushing for a medical report as without that you can't claim disability discrimination as technically the employer doesn't know you have a disability and are therefore not discriminating. The only thing I could've claimed at the time of leaving was constructive dismissal (told new employer this also) but I was out of time as I left it too late, would have been hard to win though anyway.

 

Not got the grievance letter with me stored on another computer. (this was wrote roughly November 2009 on acas advice, sick leave started August 2009) I can remember before writing it I attended work to hand a sick note in, and the supervisor who I (thought) I got on with saying " a lot of work has come up repairing etc if it was up to me I would let you do it but Manager would see that as you picking and choosing your job and wont allow it" would have only been few weeks work but would've help me out financially. I definitely put that in and couldn't see why they was employing less experienced agency staf to do it. What other roles I could perform but wasn't being allowed to because of the managers stance on picking and choosing your job etc. I also put how I had a near perfect absence record prior to this and thought it was unfair people were performing these other roles when they could have just been swapped with me. Also included that on the day of me being sent home sick I could have done work other people were doing including walking round with a sweeping brush and pulling grass/weeds out of the buildings grounds. That lead to the trouble in the earlier post and every jobs heavy speech, repairing job only temporary, even driving a fork truck and sweeping up was heavy in their opinion.

 

 

Does the new employer know of the circumstances of your leaving the last employer? It strikes me under the circumstances you left the reference from the last employer is the last thing that you would want.

 

Also, I am intrigued by the circumstances of you leaving which was obviously whilst under dispute with them. There appears to be some injury that limited your ability to do things ... is this enough to qualify as a disability? You were obviously asking for some reasonable adjustment which was being disputed. You obviously submitted a grievance over this and the employer's reaction to it was less than satisfactory. Then you left as they were going to vistimise you.

 

In those circumstances you MAY have a claim for Disability Discriminatiion, (if the injury qualifies) Victimisation, (if you complained about discrimination in the grievance or at least raised the discriminatory circumstances) Constructive Unfair Dismissal may also be applicable.

 

The thing is if your new employer still insists even after knowing the circumstances in having the reference, you could try submitting an ET claim for the above. Of course the main thing you want is a reference and a letter requesting such is not unteasonable in exchange for dropping the claim.

 

There are time limits in the ET and you may have to act quickly to start the process.

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Attended meeting to find out they have finally received the reference:-). Just one more hurdle to clear and the jobs mine.:-D.

Don't know how it can take that long to return it (one of quietest periods of year for company) could have already been working.

But all's well what ends well.

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