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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. 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 purchases 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. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
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rest between shifts.


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Hello,

 

Quick question about rest between shifts.

 

I can see doing a google search that this is 11 hours. But can I explain this situation.

 

If john works 9am till 7pm as national on call employee(no set work place) but his contract states 8am to 9am and 7pm to 8pm must be free unpaid travelling time.

 

However 1 day john finished his last job at 8.30pm and got home at 10pm.

 

Does the rest count from 8.30pm or 10pm when john got home??

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11 hours by law unless your employer has a workplace agreement with the union or workers. For instance, the legal is 11, but my employer and the union have an agreement for 8, but the employer must make good allowances if that person wants to move shifts at any time.

 

The rest time counts from the second he leaves his workplace/clocks off etc. Dependant on the wording of the contract.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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11 hours by law unless your employer has a workplace agreement with the union or workers. For instance, the legal is 11, but my employer and the union have an agreement for 8, but the employer must make good allowances if that person wants to move shifts at any time.

 

The rest time counts from the second he leaves his workplace/clocks off etc. Dependant on the wording of the contract.

 

Its a little vague, because i give another example. If john clocks off on his job at 9pm but drives 6 hours to get home, so home time 3am. But his shift starts again in 6 hours (but the contract states he must leave at 8am so technically 5 hours)?

 

Does it count from 9pm or 3am. If it only counts from 9pm that means the law recommends driving is rest?

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If he clocks off the job at 9pm then thats when his shift has officially ended. The time starts from then. Otherwise people could abuse it by saying they had to drive 6 hours to get home every day. 6 hours there, 11 hours rest, 6 hours back.... No work would ever get done. It isnt the employers concern where you live. ALl they care about is getting the job done and making sure someone is there ready to start work at the stated start time.

 

regarding your final statement, i think you have misinterpreted it. The law doesnt care where you live or how far away you are. Thats your problem. All the law covers is the time in between the end of one shift and start of another. Otherwise the people who live close to the workplace would be worse off than the people who live far away.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If he clocks off the job at 9pm then thats when his shift has officially ended. The time starts from then. Otherwise people could abuse it by saying they had to drive 6 hours to get home every day. 6 hours there, 11 hours rest, 6 hours back.... No work would ever get done. It isnt the employers concern where you live. ALl they care about is getting the job done and making sure someone is there ready to start work at the stated start time.

 

 

But what if the system is not being abused.

 

What if an employee genuinely drove for 6 hours to get home at 3am and then had to leave his house again in 5 hours time?

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Thats the employees problem. Not the employers. As far as the employer is concerned, the shift finished at 9pm, and the employee is scheduled to be in at 8 am the next morning. Or whatever times you want to substitute there.

 

As a real life example. I finished work one day last year at 2 pm after an 8 hour shift. I had to be in london for a meeting with a new manager for 7 am the next morning. This meeting was 3 hours long. I then had to go to bradford to my companies head office for a main meeting the same day. I then had to drive home, get sleep etc, and be ready for work at 8 am the next morning.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thats the employees problem. Not the employers. As far as the employer is concerned, the shift finished at 9pm, and the employee is scheduled to be in at 8 am the next morning. Or whatever times you want to substitute there.

 

If an employee told his employer he cannot do that job because he would get home too late. But the employer demanded him to do it anyway. Employees fault?

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Depends on the job and if there is anyone else that is able to do the job and not travel that far. They cannot DEMAND you do it like that, but they can ask and make it a reasonable request, especially if there isnt anyone else around to do it. But normally in that hypothetical scenario you stated, they would give plenty of advanced notice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Depends on the job and if there is anyone else that is able to do the job and not travel that far. They cannot DEMAND you do it like that, but they can ask and make it a reasonable request, especially if there isnt anyone else around to do it. But normally in that hypothetical scenario you stated, they would give plenty of advanced notice.

 

I see, Let me explain the scenario in a little more details.

 

so if john was told by his employer at 4pm to go to this job which the distance is a longer distance than the 60 minutes travelling home his contract states he needs to give and was told he needs to attend the job at 6pm. John told his manager sorry if i do that i will finish the job when my shift finishes at 7pm BUT i will not get home for 2 or 3 hours (contract states need to give 1 hour travelling unpaid). This taking him into overtime john does not want to do. His manager told him sorry you have to do it. There is 2 other employees closer that work in the area of this job but they have another job to do already.

 

Johns contract is not a national on call engineer (sorry for putting that in the first post) he works in a allocated area but the job his manager was telling him to do is outside of his allocated working area.

 

John has only just 2 weeks ago returned back to work on full hours, prior to that john was on reduced hours by his GP.

 

Also what if manager has full access to trackable vehicle to notice when john got home?

 

If the '11 hours rest' includes the travelling home whether it be 10 mins or 10 hours. Potentially you could lets say drive home for 10 hours then get 1 hour sleep then back on your shift again (manager knows where you live and insisted on sending you miles and miles away knowing you'll get home too late). Then after your 1 hour rest you go back to work and kill a family of 4 on the road due to your tiredness. Employer would not be responsible at all because its employees fault for living too far away from the one off job the manager sent you on? SO here we are not talking about a fixed place of work such as tesco whereby you'd expect most employees to live within 15 mins from there workplace. We are talking about a field support position whereby john does not know where he will be going throughout the day till the last minute.

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And neither did your response. If you are actually asking a questiong for yourself or another then say so. if you are trying to get people from this website to do your coursework or homework have the balls to say that you are lazy and can't be bothered to do your own work.

It is easier to enter a rich man than for a camel to pass a needle

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Ahh, so there we have it. It is a theoretical scenario purely for coursework. Ill bow out now and let the admins handle it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope, its a genuine question for a genuine scenario which has occurred. I am 33 years old, i did course work 13 years ago.

 

Since the last message i have spoken to unite the union and they advised what you have mentioned renegadeimp is INCORRECT.. Just to clarify and make it clear for others reading this.

 

TRAVELLING HOME FROM A JOB THAT YOUR BOSS/MANAGER SENT YOU TO IS NOT CLASSED AS REST. THE MOMENT YOU STEP FOOT OVER THE THRESHOLD IS THE MOMENT IT IS CLASSED AS REST BETWEEN SHIFTS.

 

Of course there has to be some common sense here. ie.. an employer would NOT employ you knowing you live 2 hours from a fixed site based workplace. If they did then they would of been notified of this by the employee and therefore the employer has to take travelling into consideration from when the employees shift starts the next day. I didnt think it added up that travelling was classed as rest, after all as i say you could get stuck in traffic and only have say 3 hours rest at home before your shift starts, that is the EMPLOYERS problem not the employees. Just to make that clear.

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Word of advice. DOnt believe what unite says. i was a steward with them for almost 7 years, and i left for a good reason.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Word of advice. DOnt believe what unite says. i was a steward with them for almost 7 years, and i left for a good reason.

 

Hmm, then it would leave me still confused. Unite said if your job involves driving then travelling home is not classed as rest till you physically get home.

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If unite was right then the rule would be hugely exploitable

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If unite was right then the rule would be hugely exploitable

 

Not if you have a company vehicle with a company tracker attached. This verifies everything.

 

If travelling was classed as rest and not part of the shift as i mentioned before i can flip the situation completely and i could potentially have say 2 hours sleep at home before my shift starts due to travelling home for hours and hours. Then the next day i could crash due to lack of rest and for example kill someone due to lack of rest. Its 100% the employers problem, they employed you therefore they know where you live. If your stuck in a traffic jam for 10 hours the employee did not and can not change where the location of the employers premises or customers are located. The employer knows where you live and therefore has to take responsibility if any travelling issues occur. Of course this is only true if as i understand your job involves driving ie... courier, plumber, field engineer...etc.

 

If you have a fixed place of work such as tesco's the rules may be different. But as i say if your job involves driving, rest is when you are at home.

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Are we not forgetting something, if an employer sent you to a job that he was aware will take you six hours to get back home after you completed that job. He will be unwise to tell you that you had to report back into work 5 hours later without the permitted rest period. This will be covered under Regulation 3 Management of Health and Safety at Work Regulations 1999. No doubt a Safe Systems of Work as well

 

http://www.legislation.gov.uk/uksi/1999/3242/regulation/3/made

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