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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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westonadam

freddies phoned my boss over old nationwide debt - i could lose my job!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 502 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Fredrickson international started hassling me about a week ago via text , calls ect,

over a £400 dept to nationwide,

 

today they phoned my employer,

causing me no end of problems,

 

I have a meeting with my line manager later today,

 

I have written to them, saying I will only deal with them in writing,

 

I asked for a means test form,

 

as I am a single dad living in a rented furnished property ,

 

after my wife kicked us out,

 

please can anyone advies me what to do,

 

before I lose my job.

 

Thank,s

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Complain immediately to Fredrickson's & also complain to both the FCA and the Information Commissioners Office.

 

Freddies know full well that they cannot contact an alleged debtor at their place of employment.

 

How old is this debt from Nationwide?

And is it an overdraft/Credit Card/Loan?

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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about a year ago, nationwide upgraded my account (they did it to anyone with a cash card acc)

 

I received two cards

one for the account I have my salary paid into and

one for a new savers account that I hadnt requested,

both blue in colour and almost identical,

 

I had no overdraft facility,

 

a few days later I needed to make an emergency purchase of £49.99 which I did by card no probs

but I used the wrong card by mistake the savers one ,

 

I don,t get paper bills so about four months later nationwide write to me

and they have charged me £50 a month for an overdraft which I did not ask for,

 

the transaction should have never gone through

I Would have then realized I had used the wrong card,

so I challenge it ,

 

next thing you know I got a letter last Sat 18/10/14 from nationwide saying they have handed it to fredricksons ,

 

the calls started first thing Monday followed by the texts,

 

and today the call to my work,

 

just had a meeting with my boss he is not happy at all

and has warned my he dosn,t want it happening again

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you sue freddies if you losr the job.

 

if nationwide still own the debt [which they do]

 

then freddies have NO LEGAL POWERS WHATSOEVER

TO DO ANYTHING...THEY ARE NOT BAILIFFS.

 

very stern letter of complain to freddies and nationwide too

as freds are acting as their agent.

 

about 3 yrs ago my neighbour got £175 out of nationwide

because the dca they used continually phoned his works place

even after being told in writing the number was a works number.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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In 2012 I had a basic account with the nationwide as I had in the past been bankrupt, this allowed me to pay my DD,s and withdraw money but under no circumstances have an overdraft ,

 

later in the year they sent my a new card for a 2nd account ,

I did not ask for it so I put it in a draw and forgot about it ,

I then had a letter to say there had been a charge of £49.99 put against the new card and that i was overdrawn ,

 

I pointed out that this was not possible as I have no overdraft facility,

they said they would look into it ,

 

after months they came back and said the debt had risen to £400 pounds as they were charging me £50 a month for being over drawn ,

 

in the end the debt was sold to Fredricksons who hassled me night and day and in the end called my employer without my knowledge disclosed personal info to them,

 

as I was in charge of a budget I was demoted and saw my salary reduced ,

I reported Fredricksons to the FOS who agreed to look into it for me,

 

after some months Fredricksons contacted me to say they would not be pursuing the matter any further (2014)

 

last week I received a letter from the Nationwide saying they had sold the dept to another company ,

 

any advice would be appreciated

Edited by dx100uk
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When did you last pay on this account??

Moved to the nationwide forum


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I have never paid anything on it it was dated Dec 2013 so almost a year until its SB

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so who owns the debt now

and have you informed then of your correct address if you have moved since?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Are these figures really correct? That they are charging you £50 a month for a £400 unauthorised overdraft?

 

Have you had any explanation or do you have any answer for this £49 which was apparently charged to your card?

 

Also, what evidence do you have that they disclose personal data to your employer?

 

Please answer these questions and also send the bank an SAR immediately.


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Ok

the evidence I have that they contacted my employer and disclosed information was being called into my managers office and the call played back to me ,

back in 2013 bank charges were quite crippling

 

apparently I had bought a pay as you go phone

I had a contract so didn't need a payg ,

 

could you tell me what a SAR is please

Edited by dx100uk
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click sar


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I've discovered that you previously ran a thread on the same problem and I have merged them together.

 

First of all it seems that the telephone call was made to your employer in 2014 – not 2013.

 

Secondly, although you have just told us that you didn't use the card – you simply put it in a drawer, in your original thread you tell us that you used it to buy £50 mobile phone.

 

The telephoning of your employers is a very serious matter – especially as you say that it resulted in your demotion. Are you with the same employers?

 

You also say that you made a complaint about the matter to the FOS. Please can you tell us more about that.

 

So far I think should send an SAR to the Nationwide, one to Fredrickson's and one to the FOS.

 

When you tell us if you are still employed by the same firm then I might suggest to you that you send an SAR to them as well. Do you have any concrete evidence that the phone call was made to your employer? This means do you have anything in writing or do you know if the call recording exists.

 

Finally I have to say that you came here for help in 2014 and people suggested that you took certain action and then you simply disappeared. I suppose you disappeared because you thought it had gone away. These things don't often go away.

 

If you want to deal with it this time then you better stick with it because otherwise you're wasting your own time and I have also to say that you are wasting our time because we give you our support and enthusiasm and advice free of charge but you have to engage with this thread


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Thank you for your reply,

after reading your comments and my post from all those years ago I realise a had indeed forgotten some of the original details,

it was a bad time in my life after my wife walked out and left me with the children,

I did take everyone's advise

 

after some time I received a letter form freddeis to say that they were sorry for contacting my employer and they were not taking any further action and the account with them was closed

 

it would appear now that the Nationwide (who I still bank with and have my home insurance with) have sold the debt to Arrow Global who have today put an entry onto my credit file ,

I thought that since freddricksons had closed it it was dealt with how wrong I was .

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If you want to try and take control of this matter then you are going to have to engage with this thread correctly. As I have already pointed out, it's a waste of everyone's time if you pop in and out without moving things forward.

 

I've asked you some questions in my previous thread and you haven't addressed them


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freds don't buy debts they only CHASE for the clients, which at that time and until of recent was I suspect Nationwide if you read their letters.

 

the Account has now been SOLD to Arrow global, the default would have been registered by NW upon sale., not Arrows

a powerless DCA cannot register a default.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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In addition to the above, which site team member DX is probably the better person to help you with, I'm interested in challenging nationwide or Fredrickson's or both on the issue of having telephoned your workplace and caused you distress and loss. I'm also interested in the issue of fair treatment in respect of giving you an account which has no overdraft yet when it comes to levying the charges, it seems that they are happy to pile the overdraft on.

 

I'm still also waiting for a response to my query of £50 per month being levied for your overdraft.

 

I hope you can see that there are people here who are extremely keen to help you but you have to do match our enthusiasm at least on a one-to-one basis


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I do not work for that employer any more

 

the charges were applied each month for an unauthorized overdraft ,

 

I complained to Fredrickson's and the FCA

 

I have the name of the caller from Frederickson's and they apologised saying he shouldn't have rung me at work

they got my employer details from nationwide ,

 

have I missed anything out ??

Edited by dx100uk
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Do you have the letter of apology from Fredrickson's?

 

In any event, I would suggest that you start off by sending an SAR to your old employer, want to Fredrickson's and one to nationwide. I suggest that you do that straightaway.

 

Can you tell us what happened after the telephone your old employer? You say that you were demoted. Can you tell us more about that and how long you were with that employer and how long after that event did you leave and how has that affected your job prospects since then.


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Also, we need to know whether you feel that you would like to challenge Fredrickson's and/or nationwide about their treatment of you in addition to the fact that they have allowed an overdraft to occur on your account to accommodate their own charges even though they would not permit you to have an overdraft for your own purposes.


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If I did decide to challenge nationwide how would I go about it as when I contacted them they said they could not discuss it as the had sold the dept to Arrow

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I can see a nice bit of compo coming out of this if you play this cute...……

 

freds were acting under their clients authority and instructions...Nationwide!!

 

sar to all three

DONT give the game away upon WHY you are sending it though!!:wink:


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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You haven't answered the question as to whether or not you still have the letter of apology.

 

If you wanted to challenge them then you would have to have some evidence that the phone call had been made by them. The letter of apology would be perfect. In any event, you would send Fredrickson's an SAR which probably would reveal the fact that they had made the phone calls. Additionally you would send an SAR to your ex-employer which would reveal that not only had they received the phone call but also that a decision had been made to demote you.

 

This then will give you the information you needed initially to make a complaint to the ICO simply to get a confirmation that there had been breaches of data protection and then you would bring a small claim in the County Court against Fredrickson's for an amount of compensation depending on the losses you had suffered.

 

In terms of nationwide, you would send them an SAR so we can understand exactly the basis of your bank account and also the overdraft that they had imposed on you together with their charges. On the basis of the information received we would then consider bringing an action against them for unfair treatment under BCOBS.

 

In addition to the question about the letter of apology which you haven't answered, you also haven't told us anything about the FOS. What your complaint to them about and did you just drop the matter or did they make some initial decision?

 

You haven't really told us much about the way that it affected your job. We keep on asking questions but you don't deal with them. It would be helpful if you did – assuming that you would like some help on this.


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I would indeed like some help ,

sadly yestredays work schedule made it very difficult for me to reply also you seemed to be having problems with your server ,

 

firstly soon after the incident I decided to leave and got another job ,

sadly the company was taken over in 2017

 

I have not been able to get much help form the new firm,

the FOS suggested I contact Frericksons and should I not get a reply within eight weeks to get back to them

 

I did contact Fredricksons and I have the original copy of the correspondence and the name of the person who called my work,

I have found the e mail from them saying they were looking into it but I will need to go through my files at the weekend to find the letter they sent after that ,

 

I will be sending a SAR to Nationwide and Fredricksons today ,

I will keep you updated ,

it did not affect my future employment luckily ,

 

please feel free to comment on anything I may have missed out.

( note I have tried twice to send this today 10/01/2019 and I get a message that the server is down)

I hope this reaches you

Edited by dx100uk
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Sar to you old employers as well. Send it today.

 

Have you told us how long you were at your old employer? You haven't told us about the demotion and how that happened and its impact on you.

 

It would be helpful if you could simply tell us the whole story at one go because as you probably appreciate, we probably don't know what questions to ask you because we don't know the story.

 

If you wanted to do something about this then you would probably have to bring DPA actions against Fredericksons and also Nationwide and also a BCOBS action against Nationwide.


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Ok I will tell the whole story when I get back form work this evening thanks for your patience

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