Jump to content


  • Tweets

  • Posts

    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

breach of confidentiality?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4346 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there, new on here, but it seems so helpful, i thought i would try.

 

Long story short, NHS worker, just finished theoretical training for union rep - no other experience to date regarding that role (in fact i have discussed with my manager on numerous occasions - they have in turn contacted the relevant union/mentors to ask about further support and experience - unanswered).

Off sick with depression (after 2 years informing managers of current work situation, that remained unchanged during that time). Whilst off sick, I was told that as a result of me attending a recent DH, in an observational capacity for learning experience, I had breached confidentiality by disclosing information that was privy to me as a result of my attendance.

 

Investigatory is over - I did state that i named person who had been dismissed. However - this was some 4-6 weeks after that hearing, it was being discussed openly by most of my work colleagues, by other staff in other work environments within the region - and also, had been openly discussed on a social networking site.

 

I did not think, considering information was in the public domain, I had committed any breach - I am now awaiting DH date. My rep - (we do not get on - plus she was my mentor - i am assured there is no other rep to support me - i did ask)! - has stated that I am wrong and as a rep I should have said nothing and that it did not matter if it was broadcast on the news! surely this is ridiculous?

 

Advice would be most hugely appreciated - whatever it is.

thanks.

Link to post
Share on other sites

  • 2 weeks later...

Hi there, I have received no replies to my post - which must be a first - is there anyone who can advise at all out there? I would be truly grateful for an outside opinion.

Many thanks hopefully! ellieh

Link to post
Share on other sites

If you are a union rep, is the union not helping you in this matter? It seems that it an attack on your union business.

 

Also, can you expand on how long you have been off sick with the depression and are you saying that the depression is a reason for them starting on you in regard to a disciplinary hearing? Are they 'after you' because of sickness? Where has the depression come from ie is it work related? Have you ever previously put in any sort of grievance in regard to issues that made you depressed?

 

There are posts that sometimes do not receive any replies but you did the right thing in 'bumping' it to the top again. You may not have received replies because your 'long story short' was too short and does not give the context of your problem.

 

Can I suggest you take time to explain the whole story, even if it is long. make sure you put lots of paragraphs and space in the port as it aids reading and understanding. You will attract more replies when the context is clear.

Link to post
Share on other sites

Hi

 

Something you need to remember is:

 

1. Your were at a Disciplinary meeting as an Observer and everything discussed or any documents at that meeting are treated as Strictly Confidential.

(But were you informed of this before the meeting and had the Disciplinary Panel ask the Employee being disciplined permission for you to be present in an observer capacity?)

 

2. You say the information was in the public domain but it would not have been your Employer that put it in the public domain. (it could have been the employee disciplined telling others that asked then spread word of mouth)

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Hi there, new on here, but it seems so helpful, i thought i would try.

 

Long story short, NHS worker, just finished theoretical training for union rep - no other experience to date regarding that role (in fact i have discussed with my manager on numerous occasions - they have in turn contacted the relevant union/mentors to ask about further support and experience - unanswered).

Off sick with depression (after 2 years informing managers of current work situation, that remained unchanged during that time). Whilst off sick, I was told that as a result of me attending a recent DH, in an observational capacity for learning experience, I had breached confidentiality by disclosing information that was privy to me as a result of my attendance.

 

Investigatory is over - I did state that i named person who had been dismissed. However - this was some 4-6 weeks after that hearing, it was being discussed openly by most of my work colleagues, by other staff in other work environments within the region - and also, had been openly discussed on a social networking site.

 

I did not think, considering information was in the public domain, I had committed any breach - I am now awaiting DH date. My rep - (we do not get on - plus she was my mentor - i am assured there is no other rep to support me - i did ask)! - has stated that I am wrong and as a rep I should have said nothing and that it did not matter if it was broadcast on the news! surely this is ridiculous?

 

Advice would be most hugely appreciated - whatever it is.

thanks.

The issue of confidentiality is being overblown here. For a start you were very new to the role and that should be enough in itself to counter any allegation of wrongdoing on your part. Also, as you say, the facts were common knowledge, which made it difficult for you to see that you should not have made any comment. You are guilty of no more than an understandable error of judgment , which is unlikely to be repeated and the union should be supporting you as you are only an ordinary worker offering to do your bit to help others in an unpaid workplace rep capacity.

 

I recently heard that a co-worker had been sacked for theft. I was told by other workers and got all the details. I had previously asked the union rep why he was not at work but he did not tell me. I assumed that he was off sick owing to conflict with management. That union rep did what you should have done by not telling me. He has loads more experience than you and knew that someone else would fill me in but it was inappropriate for him to do it. On the other hand, had he told me, no harm would have resulted but the principle of keeping your mouth shut is a good one for workplace reps in general.

Link to post
Share on other sites

Wow, thank you all very much for your replies - they are are incrediblu useful!

 

To answer them in turn - I went to management, during and after completion of the theoretical part of my training as I had received no support whatsoever from my RCN mentor - they did not even answer my weekly emails to ask about shadowing opportunities.

Meanwhile - colleagues, were of course approaching me with issues, that I felt ill equipped and was of course, in reality, unable to deal with - I referred them to RCN direct, but felt frustrated as this is not why I agreed to be the rep for the team and put myself out there so to speak.

 

Depression wise, - I have been struggling, much sickness since 2010 - I am alone in a very big organisation, the biggest in Europe, when there should be 3 of us, fully trained - there has not been, so I have made a nuisance of myself by going to management and highlighting this fact on, god more occasions than I can remember - nothing was ever done.

 

My RCN rep was my mentor for the course - I never saw her before my investigatory meeting when she was incredibly late - no apologies though! She informs me that I am wrong to summise that as information was in the public domain I have done no wrong - in her opinion, I am very wrong and " will be lucky to get out of this without losing my job". I find this horrendous, as I was well aware, that staff on units were talking about it, colleagues were talking about it, and that the person who was dismissed, who I stayed in touch with, openly informed me that it had been discussed on facebook. The person who reported me to management, who I considered to be a good friend, (more fool me), works on the unit where I spent 13 years of my working life, and so knew all the people involved very well - that person has now been made acting team manager - so at least I know the reasons behind the so called betrayal!!!

 

I am just very frustrated as, I did say what I did, but it was already known and being openly discussed, even on the internet - I felt this could not therefore be considered as a breach - I informed the investigating officer of this - who said it was not her concern - she was only concerned about the allegation against myself, and I had admitted to saying that I named the person who had been dismissed - which I did - BUT EVERYONE ALREADY KNEW!

 

The day after the dismissal - a manager emailed the team to state that this person no longer worked for the team - I received several calls from colleagues asking me what had gone on, what did i know - etc - i refused to comment.

 

My union advise at the DH is to focus on the fact i was off with depression and focus on that, plead guilty and rely on mitigating circumstances - i feel differently but the rep is not interested in my opinion. ( I have tried to get another, but the top person called me and told me there was no need).

 

again, all advise/opinions gratefully received.

 

thank you

ellie xx

Link to post
Share on other sites

Dear Stu007 - thank you, yes you are completely right, which of course is why I am now facing Disciplinary Action - i was there at the DH meeting, and of course, I fully understood any information I heard was confidential.

 

My point is, that, a week or so later, I was signed of sick by my GP with depression (long overdue, but I simply would not go off sick and recognise there was a problem). i barely left the house - the first time I did was 3 weeks after I had gone off sick, then the week after - only to go locally to get provisions - it was on this occasion that I met ex colleagues - they were friends of the dismissee - not only in life, as colleagues, admittedly, but also on line on facebook.

 

The person who reported me to managment was also a friend of the dismissee on facebook. All were ex colleagues of mine where I used to work, some I knew for over 13 years. It is hard to take.

As stated, the one who reported this incident to management, has now obtained an acting team manager role - so at least I can understand the rationale. My manager is aware of this, and i informed them that, due to my current situation and circumstances, I did not feel it was appropriate to divulge, discuss and of course make an allegation against someone, who had of course done the same against me, thus my current position! I told them that I would following the outcome of my DH regardless of the outcome. This causes me much concern, because of course, it will merely be seen as sour grapes in truth.

 

Although, if you can help this leads me onto another question I have been battling with.

The person who reported me for breach of confidentiality, just appointed in a managerial secondment role - I have information where they committed the same offence and also plagiarism, in regards of their degree course - which was not relayed to the organisation - deceit? shows untruthful character? I think and know it does!

 

It is all so very awful - not clear cut! feel set up really, so someone, a colleague, can further their career, which ofcourse is what is happening - someone, who when I was a sister on ITU, had barely qualified!

 

so need help, advise, comments, perspective - am I being obsessional?

Link to post
Share on other sites

Hi, new to the forum, but hopefully my view my help a little as to what your disciplinary panel might be thinking.I used to do disciplinaries in as unionised environment in the past.

 

Firstly, a breach of confidentiality is a breach, and no amount of debating about who else knew and if it was on a social networking site is going to help you here. You need to accept you have breached it. HR people, managers and union reps are in a position of trust and if they breach confidentiality then who can you trust? Your union rep is trying to help you with their line of defence.

 

The panel will need to consider if this breach and its impact is so bad that they could never trust you again, and if so, that could be gross misconduct and summary dismissal, with no notice pay.

 

I think you know you have done wrong, and whilst I do genuinely feel sorry for you here, I would fully expect someone in your situation to argue that they have been sick, aggrieved and untrained as an excuse as to why they breached confidentiality to get themselves off the hook. Your attitude to this issue will define how they treat you in a disciplinary, and if you are still trying to excuse yourself with other issues, arguing that everyone knew about it etc etc, and basically in denial, then you are probably likely to get a final warning at best or dismissal. If you came to me in the hearing, apologising and said you realised you had made an error of judgement that you had learnt your lesson and wasn't going to happen again, but there were other things going on in your life at the time,and didn't realise the impact your comment would have, I would look more favourably on you.It shows you accept you have done wrong and are unlikely to commit the offence in the future.

You need to do whatever suits you but I do wish you all the best going forward.

Link to post
Share on other sites

Hi

 

I do have to agree with circumhrgirl and as I pointed out in my own post irrespective of who new the facts after the DH it was not your Employer that made this known it was spread by word of mouth by other employees and the employee that was disciplined.

 

I would point out your lack of training but as an NHS employee you should already be aware of Confidentiality but in your defence you could argue that the other employees discussing such an issue on open Social Networking site could be seen as bring the organisation into disrepute as this was an internal matter not for public discussion.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Many thanks for all your comments. You are all very accurate and right - I simply should have known better. Dont fancy my chances! Many thanks again anyway - I am grateful for all your comments.

Link to post
Share on other sites

Dear circumhrgal, many thanks for your words of wisdom - I can totally see your perspective now, and indeed that of my employers - also, if i were merely part of the "chit chat" then I would not be in the position I am in today.

I fully intend to go to the DH, stating my case and hopefully show that I have had time to reflect and that I can see the error of my ways. Which is true, I understand now, and I am beyond mortified, that a slip of the tongue, misguided ignorance, or lack of judgement has led me to this situation now - my whole career down the pan due to a brief discussion - it is incredibly sad - and therefore but the grace of god go all of you - you truly think it will never happen to you - but it does - it has to me! A very hard lesson to learn, but one I will never forget - particularly thanks to your advise - wish my rep was that good!!! I cannot thank you enough.

Best wishes to you. x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...