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    • OK, all done as requested. Defence left blank for now. Just one small question in relation to the CPR31:14.... Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: and it says * delete if not mentioned in the Particulars of claim. I'm not  sure if I ask for everything or nothing as I can't see any of the list mentioned in the POCs
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    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi

 

has anyone successfully gone to their current employer, saying I have a new job offer,

and result being you stayed with existing employer, because they convinced you it was worth sticking around, and they did not want you to leave ? (possibly they offered you more incentive to stay too)

 

what would the best approach in informing current employer that you have a new offer on table

 

or

 

were you simply wished bon voyage ! Shown the door, so to speak

 

as a percentage, what would you say most companies would do ?

 

try to keep you

 

or

 

throw a party :|

 

(appreciate there can be a multitude of reasons dictating what action a current employer would take)

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Hello there. Just my personal view of this

 

Some employers might take the view that if you're sufficiently fed up to move, then your mind is made up and you should move on.

 

Of all the times I resigned, I was only asked to stay once.

 

HB

Illegitimi non carborundum

 

 

 

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I have been persuaded to stay at a job with a reasonable pay rise. Apparently at the moment about one in five resignations will receive a counter offer in my industry, but im not sure how that translates across the UK market generally.

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Just to add - make sure that you do actually have a job offer and that you are not just trying it on!

 

They may well call your bluff - I have seen people persuaded to stay, but also being asked to leave immediately having effectively resigned....

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Sounds like a homework question.

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I've recently resigned due to a new job and was offered a 30% pay increase to stay (declined as the new job is a 62% increase). I think it's very much down to your relationship with your employers and the industry you're in. More specialised types of work are likely to garner offers, I guess more accessible roles are much less likely as often it's cheaper to recruit and train than it is to retain at a higher cost.

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It depends on how difficult you are to replace and how highly you are rated. If the employer can simply hire someone else to do the same job as well as you, they are unlikely to give you a raise. If they would find you difficult to replace because you have specialist skills or are a top performer, you may well get a great counter-offer.

 

There is nothing wrong with telling an employer that you have received an offer which is better than your current package, and would they be interested in matching it. If you do it politely people shouldn't get offended.

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It depends on how difficult you are to replace and how highly you are rated. If the employer can simply hire someone else to do the same job as well as you, they are unlikely to give you a raise. If they would find you difficult to replace because you have specialist skills or are a top performer, you may well get a great counter-offer.

 

There is nothing wrong with telling an employer that you have received an offer which is better than your current package, and would they be interested in matching it. If you do it politely people shouldn't get offended.

 

sound advice, thanks for all replies,

 

is tricky situation, especially when I am probably not going to accept new offer,

 

knowing current MD as I do, gut feel almost says, say nothing, as he could be the type to say behind closed doors, 'right, he wants out, fine....'

 

I am the only employee who has the skill set in the current job, that does raise my cards, I guess, to say something to current employer,

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sound advice, thanks for all replies,

 

is tricky situation, especially when I am probably not going to accept new offer,

 

knowing current MD as I do, gut feel almost says, say nothing, as he could be the type to say behind closed doors, 'right, he wants out, fine....'

 

I am the only employee who has the skill set in the current job, that does raise my cards, I guess, to say something to current employer,

 

But how easy or hard would it be to replace you with someone new, possibly cheaper. Why did you apply for the new job?

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Advice & opinions given by Caro 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.

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But how easy or hard would it be to replace you with someone new, possibly cheaper

 

good point,

 

current job lacks: growth, any current/future pay rises, incentives, lack of company wide moral, direction, long distance travel (high travel costs, fuel consumption), am in 'dead man shoes' , poor management decisions,

 

sorry, could go on, list is extensive..

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good point,

 

current job lacks: growth, any current/future pay rises, incentives, lack of company wide moral, direction, long distance travel (high travel costs, fuel consumption), am in 'dead man shoes' , poor management decisions,

 

sorry, could go on, list is extensive..

 

So why would you rather stay?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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