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    • 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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joeboyz

help please - Does Debt Solution Company have a claim on deceased Mother's Estate ?

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Ok, My Mother passed away in march this year, since then my brother, sister and I have been waiting for the estate to be sorted out,

 

to cut a long story short

 

my Mother had some debt and she was paying a debt solution company a monthly amount to sort out her creditors

 

, my Brother (executor) received a letter from one of the banks saying that 2 accounts that my mum held with them £5000 + in one and £14000 + in the other

were being quashed due to my mothers passing,

now our solicitor is saying that this money, almost 20k, has now got to be paid to the debt solution company,

 

so,I have 2 questions,......

 

If the debt solution company had paid off this debt then why would we receive a letter from the bank telling us the debt had been quashed?,

 

secondly

if the debt solution company have not paid off this debt and were paying a small amount to the bank of what my mum was paying them monthly,

then why is our solicitor saying that the 20k has to be paid to the debt solution company?

 

any ideas would be appreciated thanks:|

Edited by citizenB
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While your mother's estate is responsible for paying debts owed by her - and the solicitor probably knows what he is talking about

- I would give National Debtline a ring or see someone at CAB for a second opinion.

 

This doesn't sound quite right to me

- your brother should be dealing with creditors not a (presumably) fee paying service provider.

 

EDIT - I have asked the site team to see if they will put some more detail in the thread title. This should help you get more precise advice.

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Have amended thread title to reflect true nature of query.

 

Can I please clarify - you have received letters from 2 of your late Mother's creditors advising there is no longer any debt to pay.

 

These debts were part of a group being administered by a fee paying Debt Management Company.

 

You might want to check that there was no insurance amount being paid to them

- a lot of Fee charging DMPs insist that PPI is also taken out.

 

You require a full accounting of the debts the company was administering, before any monies is handed over.

 

It could well be worth speaking to someone at National Debtline to see if they have any advice.

 

Are there any other debts that have priority over those with the DMP ?


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Thanks citizen,

 

we are having a face to face with our solicitor on Friday and I am going to instruct him to write to the debt solution company

and tell them that we want all the paperwork that they hold on my Mother,

and that he is not to pay them a penny until this paperwork

,any contract and possible insurance cover have been looked at,

 

I think that this is the best possible course of action at the moment,

 

I hope you agree.

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I think it is an excellent plan :)

 

Would appreciate you keeping us updated, if you are able to:)


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It sounds as if the solicitor is wrongly assuming that the debt solution company has paid the debts up front themselves and that any monies from the estate would be due to them as the creditor.


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You need to explain to the solicitor that they are a debt management company and not a creditor.

 

Their only function was to negotiate a repayment plan with her creditors and to manage those repayments from the surplus income she had every month.

 

They did not buy the debts & they are most certainly are not creditors & reinforce the fact that the two a/cs amounting to £20K have been written off by the creditors so there is no debt now owing to those a/cs.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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got to agree

 

sadly, i bet you are going to find VERY little of the PCM your mum paid

actually got through to the debts

 

in fact, & i think you've unwittingly already found out

 

i bet nothing has gone off those debts.

 

i doubt they would be written off if payments had gotten through..

 

also though, on the other hand

 

it might well be 'that bank' knew most of debt was ppi/PENALTY charges that the fleecing DMP SHOULD have advised

be reclaimed FIRST!

 

who is/was the DMP wit.

 

i bet we know them

 

dx


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Thanks for all of the replies, dx100uk, I could not remember the name of the DMP earlier but it has come to me now they are called "Immediate financial", I have had my suspicions about this firm, lets see how they react to us wanting all the paperwork,accounting etc.

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