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    • Hi All    Hoping for some advice if possible.  I will try to be as concise as I can so I will bullet point, hope this doesn't seem rude.    My Ford Focus 2.0 TDI Powershift 83k miles   *had a major service and an automatic gearbox oil change on Friday 4th October    * Saturday 5th October - had been out in-car driven 30-mile round trip with about 10 hours in between, when I got home the radio and dashboard wouldn't turn off as it usually does when you switch the ignition off and open the driver's door. Tried to switch the radio off manually no joy, after about half an hour it just went off on its own. Didn't think much more of it.   * All was well, travelled to work and back on Monday and Tuesday a 20-mile round trip each day   * Wednesday on the way home started the car and it made a funny noise so I tried to turn it off and it took me several attempts to switch it off.    I left it a couple of mins and switched it back on and all seemed well again. After about five mins of driving it came up with hill start assist unavailable, so I thought I would take it back to where it had been serviced. After about another 10 mins it went into limp home mode and came up with a message saying transmission not fully operating (or something like that).    * AA came out and plugged the computer in said that it was bringing up a fault on pretty much every system in the car but when he tried to get into the in-depth diagnostics it kept kicking him out.   The transmission message cleared and the aa offered to follow me to the garage which they did, the car drove ok again for about 15 mins then went back into limp home mode.    * Car has been at the garage since close of business Wednesday, I have rung for an update each day to be told there was nothing until today when I expressed a bit of frustration at this was rang back and told it is probably something to do with the clutch but not sure yet.   * Apparently they have a gearbox specialist in for a 2nd opinion today and should be able to get back to me tomorrow.    So my questions are:   1. Could a fault with the clutch cause all of the above problems? 2. If it is the clutch is it likely to do with the service/gearbox oil change as it was running PERFECTLY before this, I only had the gearbox oil change because I was advised to. As an aside I had to have a new gearbox put in while the car was under warranty as it malfunctioned.    I am honestly grateful for any advice, as I'm just feeling really fed up at this point and the garage are giving me the least possible info they can give me.    Thanks :-) 
    • Hi,   My friend was being bullied by a manager who kept saying that anonymous people were complaining about her, she is asian and the minority where she works, she raised concerns in her meeting that she felt it had something to do with her race and gets treated differently to the rest of her colleagues due to off the cuff comments previously made and was told by her manager that as a minority she has to prove herself more as a minority in life and thats unfortunately the way it is. Following on from this they’re were more anonymous complaints all revolving around her attitude when speaking to the anonymous individual(s), she then had a meeting with hr initiated by her managwe and expressed her concerns, no outcome was given as the hr person said it was informal and a week later she has been told that she is being made redundant, my question is there were no specific incidents mentioned and my friend is still confused exactly how this came about but suspects it’s her manager who has taken a disliking to her, is this lawful?
    • Thanks for advice . I have spoken to the ICO , and their opinion is that there “may “ be cause for complaint . In the first instance I should write to the hospital (CEO)citing GDPR, giving them 30 days to respond . If the response is not to my satisfaction , then back to the ICO to raise a formal complaint . The ICO also suggested copying in the GMC with the complaint , I feel at present that is one step too far , perhaps I will sit on that until I get a reply from the hospital.
    • Thanks ethel and stu007   Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket.   CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night.   Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law.   The council are aware and claim powerless as own properties and the police pretty much are not interested.   What can be done?    Cheers   E!              
    • Hi, any thoughts on this would be greatful, will send tomorrow i think.. letter_15th_oct.pdf
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westfield

Defaults on CRA

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Hi just after some info. If a company place a default on your credit file without serving a default notice or serving one that doesn't conform how can you get it removed and can you claim damages?

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there is no 'link' between DN and defaults on your CRA file.

 

your can have a default on your CRA file without a DN ever being issued.

 

tell us the story

 

dx


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No real story. In the past however any defaults that have been recorded have always come after a default notice. In one case two years!

So what are the criteria for being able to place a default on your file?

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missed payment late payment.

 

any 6 of those the cra files system marks it '8' or D

 

so no DN would have ever been issued

 

you usually get markers before a DN issue not as your post above.

 

dx


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check another cra

 

they are diff in how they do things

 

dx


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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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in both of those examples

it appears no DN has been issued

 

one appears to [wrongly?] be showing 6 mths late for the duration of the DMP?

thus should have been marked by the dreaded AP marker, which hodls the A/C on your CRA file

 

when the DMP ended, it auto went to default '8' via the cra automarking.

i would suspect no DN has ever been issued here?

 

the top one has again gone '8' auto defaulted by the cra with no issue of a DN.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Jolly you did mention a dmp earlier so its a fair assumption.

I did read on my experts report that an 8 only happens when an agreement is cancelled but am not sure if you breaching a contract by not paying is enough to cancel it or if they still need to write to you.

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certainly a creditor can end an agreement at anytime regardless

to DN or TN. its in the agreement and the CCA rules N regs.

 

an '8' has no relation to this.

 

typically an '8' or 'D' simply means default

it does not have to have had a DN issued for it to show 8.

 

i've attached something to further your knowledge

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well atleast i help

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Same as allthe agencies say nothing new.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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