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Two people are considered safe and myself and another at risk, my question is what is the criteria to separate safe from at risk . In the documentation received from my company it is below, i have zero issues and i know cv against cv mine wins, i was even selected by the company as a company mentor because of my experience in engineering and leadership. This is a closed group of maybe ten people and i am the only non senior executive included.    ·         Performance and Behaviour : I have zero behaviour issues, no issues with performance from my current line manager.  ·         Performance Improvement/ Disciplinary Records   : Zero disciplinary's and no performance issues, in fact my line manager on record has said I'm forthcoming ·         End Of Year Rating : Issues explained below Now my line manager was leaving the company and he did tell me "there was some politics involved with you getting that role, the city build manager and head of area build had promised it to their lead engineer (something they had no right to promise as it has to go though the process ) anyway from day 1 it became very clear that i would not be accepted for this reason within their community although i did just try to help them achieve quality and specification as that was my role. After a few weeks it became very apparent as to why the role had been promised to their man, i found issues where properties had been signed off as ready to accept subscribers when they were not ready (for bonus and stat reasons) and several quality issues i discovered which we could remedy and improve our productivity (unfortunately this would highlight that these issues had been there and not dealt with) My new head of area build (part of this trilogy of him, city build manager and lead engineer)  clearly did not want me there (for the reasons stated) but paid lip service, i had highlighted that i needed to walk off some structured with our canter of excellence counterparts ( as this was part of my role to link in with them for national issues) and he responded by saying i am not to walk them off, and that we have sufficient engineers to do that task (by saying this he could make sure that the engineers would take them round to structures that are A not the ones i have highlighted, and B would have very minor issues) This battle went back and forth over the months where i tried my best to build up the relationship with  them, my attitude was ok you have made some mistakes here, but we are all a team and even though you have hidden issues i can help you remedy them and hopefully we can do so and keep them off the radar,  but they just never did, So moving forward to October last year (2023) this is getting near to annual review time, now i had helped the company out massively by working a substantial amount of weekends and nights to fix issues, and i said i would take most of the time as TOIL ( as agreed with by my previous head of area build) this was 30 days. My current head of area build said i needed to put my leave in as it had been flagged as having a large amount. When i did input the leave (it would result in me taking all of December off) he was unhappy with me and was extremely curt in his responses as he could find nothing on the system for my TOIL , i explained the situation, my line manager would ask if i could work the hours, i would, and when i wanted leave he would authorise (we had an good working relationship, he was an excellent manager) he ended up going to HR to ask their advice and a teams call was set up with myself, head of area build and HR, it was confirmed by HR that it was a company error, when you want to input TOIL there should be a dropdown option in the leave menu and one of the options would be TOIL, this had not been setup on mine. So the company authorised the leave explaining that this should have been done and hadn't, i did say that this is the way it had always been and pretty much everyone on my team then operated this way, TOIL had never been discussed and none of had this option available. So i entered my leave from 4th December - 2nd January,  My line manager was an outside contractor and was leaving the company on the 15th December. On my return i found that we had a new head of area build, it would be a temporary position as they were not going to fill the position permanently and he would be covering his role (Scotland) and this role (NW). I contacted him to say that i had not received my end of year report yet and when would this happen as i had not sat with my line manager tor mine. A little over a week later my HoAB and i had a teams call, it was a introduction meeting and end of year report, he said that he had received feedback from the outgoing manager and he had given me a 2 (i have as explained before never scored lower than a 3) he asked hoe long i had been in the current role (just over a year) as this grade can mean you are new to the role and need a little supervision, haven't built up relationships with stakeholders etc. So he explained what my grade and bonus would be and if i had any feedback, i explained that this was unfair, i had proof that i had not met my targets (i say targets as there were never really any set, but going from emails and conversation we have had, and the job description) i had even created Powerpoint presentations which were very complex into how our network works from beginning to end  as there was distinct lack of knowledge here and i am a lead trainer / assessor (this btw he was extremely impressed with) He did say he had spoken to people in the centre of excellence which o believe was the head of operations, and he did look confused as to the disparity in feedback from them and the original manager that wrote my report. I contacted HR to raising my concerns that i had not sat with my line manager to go through my report,  had i had the chance to do so, i could have rebutted anything said as i had proof of my achievements even though he had set no defined targets, i could prove that i had been extremely active in identifying and remedying issues, HR did come back to me and these are their comments  1) "Your rating was submitted by your manager at the time xxx xxxxxx and he should have carried out an EOY review with you. The rating would not have been provided in this review but feedback should have been shared" [this never happened] 2)  Initial ratings where then discussed and reviewed during a calibration process (for your team) this will have included HOABs and RDs. During this session ratings can be challenged and changed. I can confirm that your rating was not changed as a result of this session and it remained at the rating that xxx submitted. 3) xxx did provide thorough feedback to xxx xxx in a handover so if not already done so it may be worth speaking with him to understand that feedback further.   4) In terms of reputation and the concern you share – ratings are not made public and are private to each individual. 5) And this first line obviously is incorrect " As far as i can see this would be the only separator they could have measured me on to separate safe from not safe, and if so the company did not follow its own procedure. My current line manager said " an error had occurred as you had not received the option to  sir with your manager for your review, and the company needs to make sure this error does not happen again) Well then they are admitting there was an issue and it needs remedying not sweeping under the carpet. All of this is documented. 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Advice needed -Cabot financial


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Hi, I'm new on here and any advice would be great, here's the situation

 

About 16 years ago I took out a consolidation loan with a UK bank, that no longer exists, for some existing debt I had, however, over the next few years I ran into problems making the re-payments due to my circumstances drastically changing.

Eventually my loan was passed from DCA to DCA and I was making payments regularly whilst I sorted my self out.

 

A couple of years ago my debt was passed to Equidebt, during which time I became ill and my wife took over the management of payments, which remained regular every month.

We then got a letter off Cabot saying that they had purchased the debt as Equidebt had gone bust and told me to kee p making payments which we did.

Occasionally we would get a 6 monthly phone call off them and they would try to get a financial statement off me. All this is pretty much run of the mill stuff as I'm not trying to avoid the debt I have or now thought I had .

 

However over the last few weeks I've had reason to question that I even have a debt with Cabot financial because I have received phone calls inquiring about my Equidebt credit card debt, which the original debt was certainly not, and in the same breath the Cabot rep then said" well is it a Santander credit card or loan" ! Clutching at straws

 

As this stage I told them that they should have all that information if I did have a debt with them and I certainly wasn't going to tell them over the phone, because they did have clue what the debt was and if it was actually mine, I asked them to supply my original CCA that I signed, I have still not received it 8 working days later they have been ringing me since but I've not been in when they have called.

 

I'm now worried that the debt they are chasing in my name is not mine and worse still i'm expecting somebody to come after the original debt.

 

What should i do ?

 

I know they can't force me to complete an income and expenditure form.

I know they can't enforce the debt in a court without a signed CCA

I have been paying regular monthly payments - so my debt won't be statute barred.

 

Should I write to Cabot for a copy of my CCA, if they have one ?

I read loads about people having problems with Cabot, and some are suggesting only to deal with them in writing ?

If I do request a CCA , and they don't reply , what do I do next ? what will they do ?

Should I stop making payments ?

 

Any advice would be welcome

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CCA request under s77 to Cabot with £1 fee

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12 working days plus 2

 

Put debt into dispute cease payment

 

Quote them this fom FCA

 

CONC 7.5.3

01/04/2014

FCA

A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

[Note: paragraph 3.7o of DCG]

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Oh dear, cash cowed for years!

 

Have you checked your credit file?

What was the last begging letter you had, and who from?

 

Yes keep ALL correspondence in WRITING ONLY, if they ring, laugh and hang up, they'll get the message soon enough.

NEVER discuss anything with them over the phone.

 

Send the CCA request as oldrogue has already said, with a £ postal order, don't address the PO to anyone, just mark the back of it

''for statutory fee only''.

Get ''proof of posting'' which is free from the PO counter, http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

The threat of a 'doorstep collector' is just that, and if anyone did indeed turn up unsolicited on your property, not only are you under NO legal obligation to speak to them, but you CAN demand they get off your property sharpish or you will call the police and have them removed.

If they fail to leave, or sit outside your property in their car, then call the old bill.

 

Once you have sent the CCA request they have 12+2 days (working) in which to respond with the agreement, if not, then the debt falls into dispute,

however you need do nothing, just sit on your hands.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Was this a loan secured against your home ?

 

Was there any Payment Protection Insurance added to the account.

 

I would also advise that you write to Cabot advising that you will NOT deal with any personal finance issues over the telephone and that they must put everything they want to say in writing. Unless you are recording your calls with them, this is for your own protection.

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oh dear cash cowed badlyi bet

 

equidebt is the big clue here..

 

not being done on other debts are you

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you do nowt bar stop payments

 

 

until/unless they provide an enforceable agreement

they are stuffed

 

 

confirms you've been cash cowed!!

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hello ,

 

I've had the following reply from Cabot

 

"Thank you for your for your request for information under the consumer credit act 1974.Cabot finance does not currently have this information on file.We have requested the information from the original lender.We anticipate this will take 40 days , in the event we are unable to obtain the information in that time ,we will write to you"

 

'It has come a couple of day's before the 12+2 rules runs out - Is this just them buying time ? having read the reply am I right in thinking the account will still effectively be in dispute? If so thanks

 

Also are Cabot breaking the law and obtaining money from me, without a signed agreement in their possession , the letter clearly states they don't an agreement ?

 

As I previously posted they don't have a clue what the debt, if it is my actual debt, is for! my original debt had been passed around 4/5 dca's before it ended up at equidebt prior to Cabot and the original source is no longer in business.

 

What can I or should I do now ? ask for a refund of monies paid to them ? any advice appreciated

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Stop payments, await any reply from Cabot, you won't get any refund

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Stop payments, await any reply from Cabot, you won't get any refund

 

Maybe this should be a side topic...

 

Scenario

 

DCA claims x for y debt.

 

Person coughs up and pays.

 

Person then after a period of time says hang on prove it.

 

DCA cannot prove it.

 

Person the asks for money paid to DCA back - on basis of the information / theat o grams etc..

 

DCA refuses on grounds of gift ?

 

Surely this is criminal and obtaining by deception / unjust enrichment / using a false instrument TA 1968 various ?

 

Has this ever been argued ?

 

Its friday afternoon and musing...

 

N

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If you know it's your debt, you should send CCA request at the earliest opportunity

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Maybe this should be a side topic...

 

Scenario

 

DCA claims x for y debt.

 

Person coughs up and pays.

 

Person then after a period of time says hang on prove it.

 

DCA cannot prove it.

 

Person the asks for money paid to DCA back - on basis of the information / theat o grams etc..

 

DCA refuses on grounds of gift ?

 

Surely this is criminal and obtaining by deception / unjust enrichment / using a false instrument TA 1968 various ?

 

Has this ever been argued ?

 

Its friday afternoon and musing...

 

N

 

 

75% of dca money is never owed in the first place

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Maybe this should be a side topic...

 

Scenario

 

DCA claims x for y debt.

 

Person coughs up and pays.

 

Person then after a period of time says hang on prove it.

 

DCA cannot prove it.

 

Person the asks for money paid to DCA back - on basis of the information / theat o grams etc..

 

DCA refuses on grounds of gift ?

 

Surely this is criminal and obtaining by deception / unjust enrichment / using a false instrument TA 1968 various ?

 

Has this ever been argued ?

 

Its friday afternoon and musing...

 

N

 

It could be argued, but youd need a lot of money and a good lawyer, as it would need to go to the high court, possibly have a change in law, and become case law if you win.

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 you know it's your debt, you should send CCA request at the earliest opportunity

 

That's the point I have CCA'd them and that's the reply I got , originally all I got was a letter saying they had acquired the debt as Equidebt had gone bust, it was only when they started asking me what debt it was? and clutching at straws I got suspicious.

 

Do you think they would be able to provide the CCA I signed though? , it is 18 years ago , and the bank no longer exists and the debt has been passed to a number of DCA's before Equidebt and Cabot?

 

Correct me if I'm wrong, but is it only 5-6 years an original credit agreement has to kept of file anyway? and as Cabot say they haven't got my CCA on file , they should have, and therefore are acting illegally ?

 

Thanks for your great advice it is very much appreciated

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They wont be able to otherwise they already would have. 99.9% of the time, cabot never have the paperwork anyway. Thats why they said they want 40 days. They know very very well they have 12+2

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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unlawful not illegal

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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we wish there was

equidebt [went bust years ago] were just another dca

 

 

its very typical for dca's to sell the accounts of people that are accepting being cash cowed on and on

 

 

here you have some, this mug is coughing nicely.

 

 

IMHO they should be jailed.

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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