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    • Update:   A couple of weeks further along, and the charge has now been cancelled. In that regard alone the outcome is acceptable.   In the interim ...  There have been additional demands from CPP/PE in the most glorious and laughable obfuscated prose/legalese I have pressured PALS I have chased past correspondence I have contacted other Execs I have involved my MP who has now acted I had primed the local newspaper who was planning a piece this week   However ...   - PALS didn't respond until I complained in person after almost 2 silent weeks; then promised to help and a couple of days after that advised that the Hosp had said thye had no authority over the Parking Co. I told them the hosp had told them wrong, explained why and pressed them to go back ... since when I have heard nothing despite chasing them. - UHCW Trust Estates & Facilities Dir. is yet to respond, though contact was *only* a week ago. - UHCW CEO/Chief Administrator has never acknowledged/replied-to any of my letters/chases. - UHCW CEO/Chief Admin reacted immediately to MP letter however by passing it and my correspondence to Estates and Facilities Dir to deal with, who in turn replied to MP with cancellation, who yesterday copied that to me for confirmation received this morning.   Passing thoughts ...   - People who could/should have been dealing with it for the injured party elected not to. - PALS has good intentions but is useless if they don't have a leaflet on it - will follow the Hosp line on everything else without questioning their words. - The Trust's Administration is not approach-friendly, in this instance stating "... car parking managed by a Private Finance Initiative Service Provider"  and that therefore  ".. Trust has no power ...  in the processes applied by CPP .." Oh, really?!  - Trust accepted CPP's word that the equip't was not faulty as claimed, not the rather more reliable word of a visitor having been put to considerable inconvenience at 5 a.m.and who went to some length with staff to deal with it instead of buggering off home. - CPP "have agreed (to cancel) as a gesture of good will." WHAT?! THEIR good will? THEY are willing to let MY failings pass and kindly make allowances? Couldn't be more self-delusionarily wrong!   Sadly, I can guarantee that what is actually important in all of this will not get any attention   - providing an alternative payment method for patients/visitors for when the equipment malfunctions ... at any time not just the wee-hours ...  and tell staff ...  and put notices up. - UHCW taking any notice of their culpability in CPP's unlawful breaching of GDPR in accessing keeper details now that it has been brought to their attention. Head In Sand.       All of this comes of course from pulling-up the drawbridge and deny, deny, deny. It is the knee-jerk response of almost all large organisations, but one for which there should be no place in a Hospital Trust that should strongly want to distance itself from uncaring attitudes and irresponsible practises.   Anyway ...   Anyone finding this because of a similar issue of their own, my strongest advice is to heed the advice given to you on this forum - it put me straight on to the right path and got rid of some nervous uncertainties which makes all the difference to peace of mind, something that CPP relies on to add pressure for those who aren't aware of what's what.   My thanks again to all who kindly helped.            
    • At the investigation yes, they are seeing if they can build a case.   Like the police interview you before deciding if you are going to be charged. Not everyone is charged as some people have done nothing wrong!   If you tell people what the investigation is about before they go in, a proportion will use that knowledge to prepare really good lies. That's why companies don't do it.   I would have a read up on the ACAS site of guidelines for both investigations and disciplinaries.    https://www.acas.org.uk/index.aspx?articleid=1874
    • So they've back-tracked on their original statement that his insurance has been voided. If it's not been voided and was in force at the time of the accident there is no role for MIB. MIB gets involved if a driver was uninsured at the time of the accident, but 1st Central are now telling you he was insured. In the response you have had from MIB that is what they say, he was not uninsured. Whoever it was who told you that the policy had been voided was, by the sound of it, telling you something that simply wasn't true.   I've never heard of 1st Central but from their website it's clear they are an insurance broker not the actual insurance company https://www.1stcentralinsurance.com/who-we-are  As a broker they are acting for their client, the driver, and have no duty to be impartial in considering whose fault it was.   So looks like you have no option now other than to start a small claims court action against the driver.
    • Pass all of these letters to mib when you start the claim. Eventually they will have to pay up.
    • Only that I will be updated this week.    So what your saying then is I should recieve a letter inviting me for a disciplinary hearing and attend a disciplinary. I thought the disciplinary was to give you the outcome of the investigation.     It seems a little odd that I have an investigation meeting I am asked question and given the chance to reply to the questions. It seemed odd that in this meeting I was shown evidence against me that I had not previously seen. Surely I should have been given the evidence first before being asked questions about it. It feels like they are building a case against me at the investigation meeting......
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bee

removal of default notice

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Hi

 

I previously had an unsecured loan with nationwide ,

went into arrears when i moved and got behind with paperwork

when i realised i contacted them and paid the loan off in full .

They had written it off apparently.

 

Since 2014 i have continued to receive default notices every 6 months thought was as loan should still be running ,

 

 

however i now realise how damaging these are .

I have phoned them to ask why i am still receiving these but they didnt know why ,

 

 

having looked at info re defaults and the damage they cause

asked if they would remove these from my credit file,

 

 

i have also asked if they would remove all defaults recorded against my name as this loan didnt meet CCA requirements when went into arrears and they refunded interest as didnt meet standard required.

 

Thinking that if loan didn't meet CCA requirements they can't legally record default against my name .

 

They have said will initiate complaint and was going to follow up with letter is there any templates or advise you can give, can i ask for compensation for the incorrect information they have recorded against me ?:???:

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What date was the initial default..the first missed payment bee ?

 

Regards

 

Andy


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Hi

 

the first missed payment was 21st May 2013 .

 

bee

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So the default will drop off in 2019...on its 6th Aniversary


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hi

yes as that would be the six years but if the CCA didnt meet the standard can they legally apply defaults and contiue to apply defaults even when the loan was settled in full?

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Yes. A default must be recorded as per the ICO guidelines....the failings of the agreement and the fact it's been paid off are irrelevant


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Hi so the original default stays but what about further defaults applied when the loan was paid in full

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All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off, paying now or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]


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hi thanks

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