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    • Don't think you have to inform Universal Credit of the Small Business Grant Scheme.  Reason is that it is supporting the business via local authorities, which is why it has been paid into a Business account.  It is not the same as the sell employment grant being paid out from June 2020, which is going to be treated as earnings for Universal Credit purposes.   DWP are updating the following linked page with any Coronavirus information related to Universal Credit.   As you will see the Small Business Grant Scheme is not noted.   https://www.understandinguniversalcredit.gov.uk/coronavirus/   You mention the Business is hers and why should you be affected.  Under Universal Credit, as a couple living together, your claims have been linked together as a benefit unit ( you don't have any choice, couples who live together have to have linked couple claims).  When UC issues the statement, it will be both of you as a benefit unit.  Therefore all of your joint information will affect how much UC you receive.  For example your state pension will appear as another benefit deduction, so will affect how much you receive as couple claimants.   Have a read of the Understanding Universal Credit website if you need more information on the benefit.
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    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
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MrJohnW

Help with law regarding the recording of calls.

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Hi,

 

I quite often record calls to companies so there can be no confusion on what was said. I am aware I do not need to inform them or gain permission as the recordings are for my own records only and I need the other parties permission to use the recording for any other purposes such as supplying it as part of a complaint against them.

 

However, what is the law regarding Transcripts of the call? If I sit and transcribe it can I legally supply a written record of the call as part of a complaint without requiring permission?

 

The call in question is one that happened between myself and a Senior Revenue Officer of my local council and he is now telling porky pies as to the things he said on the phone.

 

Thanks

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I have to start off by saying that I don't know if the rules relating to transcripts are different from the rules relating to recordings – but I expect that they probably are exactly the same because the transcript is sourced from the recording.

 

However, I would have no hesitation using a recording – for a transcript as part of any official complaint to some formal body and tended to them under conditions of confidentiality.

 

If you really have caught somebody out telling porkies then if they object to the fact you recorded the call, you can tell them to sue you.

 

The rule is that you can record as long as you using it for your own purposes – and this means your own private purposes


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You are allowed to covertly record for personal use as per the data protection act. You can then use said recordings in a court room as per aricle 6 'the right tons fair trial' provided it is 'in the interests of justice'. There's loads of case law on this which I don't have to hand. I've done it myself against a previous employer.

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According to the faq on the Ofcom website I need the other parties consent to give it out to a third party and if I do not have it it is a tort offence.

 

http://www.ofcom.org.uk/static/archive/oftel/consumer/advice/faqs/prvfaq3.htm

 

I intend on supplying it as part of an official complaint I am making against him as he said some things that are not truthful, were very upsetting to me and were extremely negligent in his duty as a public servant and a fellow human being.

 

He knows the call was recorded as I told him towards the end of the call to clarify I had what he had just said on tape. He tried to call me a criminal and I put him right stating it was for my own records and I do not need his permission to record it nor do I need to tell him about it.

 

My concern is that he he now denying he said certain things(one of them was so outrageous I got him to repeat it to make sure that he had indeed said it) and wants me to provide a recording as part of the complaint so he can press charges or use it as leverage to make me try and drop it(the local papers would have a field day with it).

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I think you should call his bluff. There is nothing unlawful about recording telephone calls as an individual, or disclosing that as part of an official complaint.

 

The Ofcom website says 'Under RIPA it is a tort to record or monitor a communication unlawfully'. The key word is 'unlawfully'. The rules specified in the various pieces of legislation referred to on the Ofcom website set out a number of restrictions which apply conditions to the circumstances in which businesses and the government are entitled to record communications. These restrictions don't apply to individuals.

 

If the recording contains 'personal data' relating to the individual you spoke to, use of the recording would be subject to the requirements of the Data Protection Act. This allows you to use the recording subject to reasonable constraints. In short, you are allowed to disclose personal data under the DPA where that is needed for you to pursue your legitimate interests, except where there that is an unwarranted intrusion on the data subject. For example, it would be perfectly reasonable to disclose the recording or transcript to people dealing with your issue in order to prove what you were told over the phone, but it would not be reasonable to upload the recording onto youtube purely to make fun of this individual. Assuming you are using the recording sensibly I really don't see a problem.


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Go do it

 

I once got £350 out of a company solely on the reliance of a phone call tape via true call

 

I sent a transcript and the needed portion of audio on a CD

 

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, the whole DCA industry would collapse overnight.

 

 

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I thought it was only a business that needed to state that calls are recorded?


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