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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Well hopefully tomorrow there will be a resolution - won't be pleasant but I'm afraid its a situation of my colleague's own making. To be honest, I think her getting a talking to about her attitude is long overdue. She's due to move on soon so that can only be a blessing, as well.

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Hi HoneyBee,

 

Yes exactly. I will just keep it on a purely professional level with my colleague now because she has burnt her bridges and I'm not the only one she's done it with so as I explained, she's shot herself in the foot and this time, the scars may be permanent. Luckily, like you say, I'm not a part of this mess unless my colleague wishes to act and in which case, won't have a defence to the contrary.

 

Have a good evening!

 

Regards

 

Rob

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This sounds petty. Dealing with people you don't like and dealing with stupid comments is just part of life. Best to shrug it off and move on with your life.

 

Unfortunately, my workplace is petty to the extreme. I know what you mean. Now my colleague doesn't really acknowledge me but in the end, I did nothing wrong and its time to move on but she has burnt her bridges with me now. I will remain professional, of course, because soon she's due to move on and then we can go back to some sense of normality within the office - its just an unpleasant time but as you say, that's life, isn't it.

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Unfortunately, my workplace is petty to the extreme.

 

Which is partly why you have been repeatedly advised to find a new employer where there are adults. but you have repeatedly ignored this. Almost like you enjoy the drama....

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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  • 4 months later...

Hi

 

I wanted to ask you a question about something which has been bugging me about work and holidays. Basically, my supervisor has been putting in leave and not telling me about it.

 

Now, my supervisor has gone and done the same thing again - I don't want to make too much of an issue about this as I am not a stirrer but I am getting a bit annoyed because I am not being kept in the loop about her leave, nor am I being asked if its ok.

 

Don't get me wrong, normally it wouldn't be an issue but there has been instances where leave has been put in and I only find out about it later on after the fact the leave has been put in. When I questioned her about it, she was evasive but in the end, she finally told me. I wasn't sure if she was joking with her evasiveness or not.

 

Finally, I can't help but feel that I am being taken for a ride sometimes and its starting to get under my skin - a) am I over-reacting/is that fair? b) how do I approach this subject without causing an issue?

 

Thanks

 

Robin

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Hi Honeybee,

 

Yes I'm still here at RAF *** - so far, things are better than they were which is why I'm reluctant to throw in the towel. A job is a job and despite the cuts, it doesn't affect me adversely and I'd rather have a job than no job at all.

 

I was just wondering if I was being oversensitive about the leave issue and whether or not it is fair for someone to put in leave and not to tell you - to my knowledge, the leave has been put in (holiday booked etc.) and even the line management aren't aware of it. Surely its common courtesy to tell your co-workers when you are taking leave? Not to find out later on down the line. I just think its unfair but it might be me, which is why I didn't want to jump the gun.

 

Cheers for any help.

 

Rob

Edited by honeybee13
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Good idea Honeybee. Many thanks. I still can't see how they can get away with not telling you about leave. Surely you just can't put leave in without telling your line manager first?

 

Also, someone can put leave in and then tell you about it later, even when you work with them? Hmm. Not sure about that.

 

Anyways, thanks for the help.

 

Regards

 

Rob

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To confirm the Holiday/Leave policy within the company you would need to request a copy of the companies Holiday/Leave Policy.

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

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  • 2 months later...

Hello,

 

I wanted to ask you 2 questions about practises in my workplace and get your opinion as to if they are fair or not.

 

Basically, I work in a certain department at my place of work and they all work, but me, to a flexi-time system.

 

However, my line manager strictly stated people in our department have no need to be on the system.

 

Then, I discovered later on that my supervisor was on the flexi system. My supervisor stated that they would

not take the job unless they were on it.

 

The other two people in the flight, as opposed to department, are on the same system, which just leaves me

not on it.

 

Is this fair because I don't want to sound dramatic, but have to endure my supervisor saying about building up

flexi to take leave and my other colleagues talking about using flexi for leave etc. and I find it galling.

 

Should I approach my Line Manager? If so, what should I do if he turns around and says I have no good reason

to be on it? My supervisor has no good reason to be on it.

 

There are times when I want to use the computer to do admin yet I feel I do not get a lot of time on the

computer and I politely asked if I could go on at a various time slot during the day.

 

However, at this particular time slot, my supervisor was on the computer and playing with her phone, doing a

task, which under normal circumstances, would take no more than 10 minutes and took her over half an hour.

 

I can't feel that she is disrespecting me and whenever I want to use the computer to do work, she questions

what I am doing.

 

She says I can be doing work as I am not busy yet as soon as I accept her wishes, she goes back on her phone

again.

 

Admittedly if I am not busy, I would do something else but not to the same proportion as my supervisor.

 

I just feel a bit annoyed right now and feel I can't really approach anyone to talk to about it in case it incites a

nasty atmosphere. Any help appreciated.

 

Cheers,

Rob

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are you still in that same job we've told you to leave millions of times because all the wee bits of office politics and trivia drive you mad?

 

 

No advice or opinions from me other than to please get a new job as I have advised you at least 6 times before!! At this stage you have no one to blame but yourself!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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To be honest, Emmzzi, your response here actually sums it up in a nutshell what I need to do - there aren't many jobs out there, though, but I am trying to find something that I might be able to do self-employed that is in the niche market.

 

In my current job, things had got better, but they then went downhill again. That's the problem with my job. Its swings and roundabouts. Thanks for the reply Emmzzi as always. Much appreciated.

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  • 4 weeks later...

Anyone heard from MARLIN EUROPE V LTD or have had dealings with this company ?

 

 

I took a loan out back in 2008 which I started to get into difficulties back in 2010

 

the Halifax defaulted my account due to missed payments,

 

I arranged a debt management plan through a non paying company,

 

I took this over myself once it was all set up,

and have been paying monthly the agreed amount, from 2010 to present date,

 

"I claimed all interest and charges back at the time", and

 

the debt was greatly reduced by doing such, and had all further interest stopped due to my financial position,

every year I received my statement showing payments made, and amount owing.

 

This debt over a couple of years was taken over my Albion ltd,

then Blair Oliver

 

everything has ran smoothly,

 

TODAY I received a letter stating that ALL rights, Title, Interest, and ALL personal Data has now passed over to a company named MARLIN EUROPE V LTD,

and the debt has risen to nearly 10k although the loan taken back in 2008 was only for 12.5k minus payments for two years

then reduced payments for 3 years

 

the debt has risen by nearly 4.3k so instead of what I thought was owed,

the debt stands at 4.3k higher than before the debt was passed over,

 

I have looked back on all the paperwork, and there is a mountain of the stuff,

and it does look like the 5 years interest has been added back on ?

 

I have not contacted this new company as yet,

the next payment isn't due until end of December,

so thought I would come on and ask for advice,

before I do make written contact,

 

Do I contact them with the letter prove you own the debt ?

I am prepared to continue paying monthly as per the agreement I had in place with the last debt collection company,

and will most likely spend many months sorting the extra 4.3k with them.

 

If any kind person whom has had or is having any dealings with this Marlin company,

give me a in sight of how this company works and how difficult or hard there are in dealing with, would be most appreciated.

 

I'm going now, to look into this company to try gain some information on them.

 

 

should you need any info regarding my thread, just shout, I'm never far away, cheers.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Marlin are a pain in the Arse...

 

Stay off the phone to them... everything in writing.

If you had an agreement in place and you were paying and its been sold...I would suggest complaining to Lloyds Group...

 

If Marlins are chasing for the whole amount then I wouldnt entertain them. They are a DCA with very limited rights, they can request you pay... but not make you...

Unless it goes down the enforcement route... Normally if a debt is sold for such an amount then it could be something is wrong with it

 

- No CCA agreement

- Full of charges

 

I would send Marlins a CCA request for £1 (Postal Order) and see if they can supply, they then have 12+2 working days to supply this to you

Be Firm, if they say they needs to contact Lloyds, tell them thats unacceptable as these companies should not be accepting debts that dont have the correct paperwork

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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they now own the debt so can take legal action

 

this is typical of them to re-add the interest too.

 

you could cca them

 

but as its 2008, I bet it exists.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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