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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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debt sold:original acct. and sold debt both recorded as default but is same debt. help?

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I had a joint loan with HSBC which was defaulted in 2008 and sold to LINK finance. HSBC forced us into amalgamating all our debts into a managed loan when we set up an agreement to pay with Consumer Credit counselling service by threatening us and repeated harassment. they then omitted to included my husband credit card into the managed loan so that the amount we agreed to pay didnt included this and needless to say we ended up reducing the amount we paid HSBC inorder to keep up the promised payemnts to the credit card. HSBC then threatened us because we reduced our payment to them by the corresponding amount. I ended up taking HSBC to FOS and got an apology and refund on the interest charged but HSBC still defaulted us and sold the debt to LINK finance.


We settled the debt with LINK over 2 years ago and have a letter from them saying they will mark the debt as settled.


Only HSBC shows up on my CRA file, both HSBC and LINK show up as two different debts on my husband, both showing a default, HSBC on 8th Feb 2008 and LINK on 13th Feb 2008. they are one and the same debt. the LINK record does show the balance as zero. but on both our credit files HSBC debt showed we still owed the full amount. I contacted HSBC in Oct 2012 who said they would mark it as settled and it does appear that for 2 months as zero balance but both our records for HSBC now show the full amount outstanding again. This is NOT a trivial amount either it is >£26K


I have a number of questions:

surely both HSBC and LINK shouldn't be on my husbands file? surely they are the same debt therefore only one default should be present? which one should it be? and shouldnt our CRA files show the same information as it was a joint account?


seeing as HSBC should never have bullied us into taking out the managed loan (we were in a debt management plan and basically they were trying to get more than their fair share of our leftover money) and they cocked it up that actually we should never have had the default in the first place. can we petition to get it removed?


are the CRA's at fault here too seeing as they have a duty to ensure the data they hold is correct. What can I do and where do I start in fixing this?

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I too have a managed loan with HSBC, which was forced on me as a consolidation of my previous three debts when I approached the Debt Support Newtork, now closed down by the Office of Fair Trading. I am now with Immediate Financial - I pay money to this company each month who forward it to my creditors. In the case of HSBC, it has to be paid into my current account with them in time for it to be paid by standing order into my managed loan. If it is paid earlier than the required date it is not recognised as contractual but additional; if it is paid late the standing order bounces and HSBC charge me. This seems a ludicrous arrangement. I have written to the Office of Fair Trading, the Financial Services Ombudsman, the Department of Finance, my MP, BBC Watchdog, Panorama, Moneybox, Rip Off Britain, the Independent, the Times, the Guardian and the Express. The replies I have had have contradiced each other. I have also created posts on here and other forums. Publicise your case as much as possible is what I say.

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