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    • the 5.1 is better for that solo from jeff   if you go that way again get pictures of all the signs inc the small print where they are  and the machine ones. and the view from the public road 
    • Hi dx100uk,    OK will do, I'll wait for that possible stage to come and keep this updated when I can.   I didn't buy a parking ticket.   Kal   ...       Way off topic but I love your profile pic, gonna listen now and allow Jeff Beck to send shivers down my spine in his epic WGW P3 solo ✌️    
    • Apologies, misunderstanding on my part. I was thinking of a shop called Cotswold. Please ignore me.   HB
    • 1st Draft - reviewed several statements    I was a bit unsure about adding more about the section 78, although they took a very long time the did provide the CCA - any help appreciated    In The *******County Court Claim No. ********* Between **********Claimant and *************** Defendant     I am the defendant in this case and make this Witness statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already written off as a capital loss and claimed against taxable income. Idem Capital securities issue claims to circumvent and claim the full amount of debt to maximise profit.    2. 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 purchase’s 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.   3. It is accepted that I have in the past had financial dealings with HBOS. That being a Credit card Agreement.   4. After seeking advice this led me to check all paperwork I held with creditors, from this I could not find any Credit Agreement relating to the account the claimant is referring to.   6. I therefore sought clarification and requested copies of the agreements from the claimant by way of a section 78 request for the alleged amount.    7. A Letter before claim pursuant to Pre Action Protocol was issued by the claimant 06/09/2019. I made a request for the following documents:   ·         A copy of the Default Notice ·         A copy of the Notice of assignment ·         A complete set of statements detailing exactly how the debt has accrued detailing ·         All transactions ·        Any additional charges applied since the account was terminated ·         A statement  of all payments received.   The claimant to date has failed to comply completely with my request and has not provided me with the required Default Notice.      8 .On the 13/11/19 the claimant issued a claim form through the county court business centre. On receipt of the claim form I made a CPR 31.14 request.    9. A CPR 31.14 request was sent 25/11/2019 via Royal Mail signed for and shows as received 27/11/19. A Request for the following documents was made:   ·            Default Notice ·            Full statement of account     The claimant to date has failed to comply and disclose the default notice.   Conclusion   To date no Default Notice has been produced.    The claimant has still yet to comply with my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the claimant.   Arbitration confirmed that the claimant could not produce the Default notice document    Therefore for the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to convince the court that the claimant can disclose the legal valid documents on which its claim relies on.   Until such time the claimant can comply and disclose a Default Notice they are not entitled while the default continues, to enforce the agreement pursuant to section 87 (1) of the Credit Consumer Act 1974.    I **********, the defendant, believe that the facts stated in the witness statement are true.     Signed…………………………. Dated……………………………
    • time for an sar first make sure you read all the posts in the sar link too.   dx  
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GenvievePipi

Accused of Sexual Harassment - Accidently sent text to boss

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Hello,

 

Today when I arrived home, my partner was distraught. He was accused of sexual harassment at work.

 

The accusation:

He said that he sent two text messages to a mates of his. The text didn't go to his mate instead they went to his female boss. One of the text suggested that his friend use a few condoms. The other text said, "David, call me, I'm worried about you."

 

HR called my partner into their office. His female boss had complained that the texts amounted to sexual harassment. HR read him the riot act and sent him home early. HR expects to come in on Monday, but my partner thinks he's going to get the sack and will have an exit interview.

 

Annoyingly both my partner and I lost our phones 2 days ago (in separate incidents) so he can't even check the phone to see what the heck happened.

 

He has only worked at his company for 3.5 months - he's not even finished with his probation yet; That's at 6 months.

 

My partner is EXTREMELY distraught. I honestly think he needs to see doctor. I've never seen him so depressed.

 

What advice does he need when he goes back into the office?

 

What are his legal rights?

 

Can he be fired without a disciplinary?

 

I want to arm him with as much information as possible.

 

Thanks for your help!

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No legal rights here, I'm afraid.

 

All he can do is go and make a grovelling apology and explain what has happened


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Feeling distraught and upset is quite normal when somthing goes wrong, I wouldnt think he needs a Dr just yet, perhaps a good night out and some TLC.


If I have been of any help, please click on my star and let me know, thank you.

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