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    • Please bear with me here i shall try and make this short but with all the detail, but i need help ASAP as there is limited time allowed for this process. I have been with my company 4 years and have advanced through the technical ranks to my current position,  we have an annual report which goes from 0-4 and for three years i have never scored lower than a 3. I was promoted to the role i am in now as an area quality assurance lead and the location was for the NE ( i live in the NW) eventually a similar role became available for another role in the NW. I asked my line manager if he minded me applying for it and he had no issues, i applied sat the multi stage interview and was given the role. My role is now classed as "at risk" of redundancy as we are moving from 4 regions to two which means they are also moving from 4 roles to two roles in my position. 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. To remind the rating of a 2 is not a concerning grade. Please see descriptor below Generally, needs little supervision but does on occasion require direction/supervision. Does not always anticipate changes to the work environment and could adapt more quickly. May be seen as a strong performer in certain situations or by some audiences but may not perform at that level in all situations. May need some development or guidance to carry out some elements of role. May not consistently demonstrate the right behaviours. May have been on Performance Improvement during the year but has since shown strong improvement        
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SLC Cannot Supply The Original Agreement


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OK

 

Call me an idiot if you want (I'd prefer if you didn't though !)

 

I've looked through this forum and this thread (well, several pages at least), and I can't find an actual template of the letter that I should be sending to my bank. Could anyone please point me in the right direction.

 

As usual, any help would be appreciated.

 

Many thanks

 

David

 

Hi

 

Which letter is it that you are looking for?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi

 

Which letter is it that you are looking for?

 

Regards, Pam

 

Is there a template for me to request a copy of a loan agreement using the appropriate CCA legislation?

 

Many thanks

 

David

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Too friendly and conciliatory at this stage.

 

You want to let them know, that you know, that you have their nads in a vice and if they dont stop ***king you about, you're going to start turning the handle.

 

Any suggestions on wording didn't want to drop to their level yet with the threats

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Thanks ncf355,

 

That does help but am still unsure as to what to do now. Do I write to the loan company and tell them that I am not going to be making anymore payments as I am no longer liable for this debt as they have failed to provid the executed agreement or any anything at all for that matter and do I write to the TS and FSA or do I just sit quiet?

 

 

Please. Really need advise and help. Feel like I,m going under.:Cry:

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Weaver440,

Be Strong!

Send the template letter and...

report the creditor to you local Trading Standards.

You may have to go through Consumer Direct (the consumer arm of the OFT) who will in turn pass your complaint to your local TS, just make sure that you report them.

 

AC

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Weaver440,

Be Strong!

Send the template letter and...

report the creditor to you local Trading Standards.

You may have to go through Consumer Direct (the consumer arm of the OFT) who will in turn pass your complaint to your local TS, just make sure that you report them.

 

AC

Thanks angry cat. I may be going mad but I have looked on the templates library and I cannot find any letter that seems appropriate. I want to write to the loan company telling them that they can no longer persue this debt and that they have committed a criminal offence in not supplying the info requested and as a resuilt I am no longer liable for the debt ( is there a template). I also want to report to TS ( is there a template for that), who is Consumer Direct, is there a template for them? I am sorry if I am being useless, I am really trying not to be!!!!!!!!!

Lynne

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Thanks angry cat. I may be going mad but I have looked on the templates library and I cannot find any letter that seems appropriate. I want to write to the loan company telling them that they can no longer pursue this debt and that they have committed a criminal offence in not supplying the info requested and as a result I am no longer liable for the debt ( is there a template). I also want to report to TS ( is there a template for that), who is Consumer Direct, is there a template for them? I am sorry if I am being useless, I am really trying not to be!!!!!!!!!

Lynne

 

 

Hello weaver,

 

 

Try this letter, courtesy of Smoothy!:)

 

 

 

Dear Sir/Madam

 

Re: − Account Reference XXXXXXXXXXXX

 

I wrote to you on XX/XX/XXXX via recorded deliver no XXXXXXXXXX.

This was received by your office on XX/XX/XXXX. I requested a copy of the executed agreement and relevant documentation pertaining to the above agreement covered by the Consumer Credit Act 1974 amended.

 

 

77 Duty to give information to debtor under fixed-sum credit agreement

 

(1) The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

 

(a) the total sum paid under the agreement by the debtor;

 

(b) the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

 

© the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

 

To date, I have only received a photocopy of the front of the agreement in question together with a photocopy of the dealerships warranty. This does not constitute an executed agreement in accordance with the act.

 

I understand that if you are unable to supply the documents requested after 12 days, then you will be deemed to have defaulted under CCA. If this default remains for a further month, then a criminal offence may have been committed.

 

As you have not provided the information requested in accordance with CCA 1974 amended, this contract is unenforceable without court intervention.

 

I believe that XXXXXXXXX may have committed a criminal offence under the terms of the Consumer Credit Act, and non compliance with the original request is therefore a complete defence to any court claim

(*Letter courtesy of Smoothy!)

 

 

 

 

 

 

You can add your own bits, or remove bits not required etc!

 

 

 

 

 

 

Good luck, Jeff.

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Thank you so much Jeff and Noomill for both your speedy responses. Will be compiling the letter later today an will hopefully get it in the post tomorrow, recorded of course! Thanks again.;) Lynne.

 

Ps. Have sent of the Harrasment letter to them so hopefully will no longer feel like I am being hounded!

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I wouldn't pay another penny over. i would also tell mr Udy that the account is in dispute and until it is completely resolved to your satisfaction no more money. I would cc this to Fredricksons.

 

You can be sure the Agreement is not a properly executed Agreement and I am you bet Section 61 has been breached also. then we have Section 85. let's pick it off one thing at a time and keep them working to earn their money.

 

Everything by recorded delivery to all parties. If Fredricksons try anything invite them to take you to court.

 

They now have to play by your rules.

 

Would you believe it Despite my correspondence (even signed for), Fredricksons are playing silly sh*tes. They've said if I don't catch up with the payments the account will automatically be passed to solicitors Bryan Carter who will etc......I wouldn't care but we've already ascertained they do not own the debt and the information they give is incorrect anyway and the account is in dispute. Isn't it illegal to chase up when in dispute? I take it I write back to Fredrickson's and advise that they cannot chase the debt at the moment, or ever. I'm still waiting for the CCA from Capital One! Any advice or templates I can use?

 

Ian

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It is in fact only a breach of the OFT guidelines if they carry on chasing a debt when in dispute.

 

However the OFT are in charge of the credit licences which they can revoke if a creditor has too many breaches.

 

Have a look at the guidelines here

http://www.oft.gov.uk/shared_oft/reports/consumer_credit/oft664.pdf

write down every one you can find they have breached (be imaginative in your interpretation), write to Fredericksons with a copy to Cap One listing them all and report them to the OFT. We really have to get the OFT to sit up and take notice because Cap One are just ignoring everything we say to them. They need to be made to toe the line.

 

If you have had to wait longer than 12WD + 1 month, report them to Trading Standards too.

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Could anyone tell me how to post a scanned doc. on here please???

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Could anyone tell me how to post a scanned doc. on here please???

 

 

Hi Yasmin,

 

Create an account here:

 

Image hosting, free photo sharing & video sharing at Photobucket

 

Then upload any images you like to it. Then post a link to it.

 

That's one way.

 

 

Jeff.

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Thanks angry cat. I may be going mad but I have looked on the templates library and I cannot find any letter that seems appropriate. I want to write to the loan company telling them that they can no longer persue this debt and that they have committed a criminal offence in not supplying the info requested and as a resuilt I am no longer liable for the debt ( is there a template). I also want to report to TS ( is there a template for that), who is Consumer Direct, is there a template for them? I am sorry if I am being useless, I am really trying not to be!!!!!!!!!

Lynne

 

Weaver440 and anyone else,

 

Please be aware that there is a thread here http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html to post template letters for re-use.

 

Feel free to use any of these

 

Z

[sIGPIC][/sIGPIC]

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It is in fact only a breach of the OFT guidelines if they carry on chasing a debt when in dispute.

 

However the OFT are in charge of the credit licences which they can revoke if a creditor has too many breaches.

 

Have a look at the guidelines here

http://www.oft.gov.uk/shared_oft/reports/consumer_credit/oft664.pdf

write down every one you can find they have breached (be imaginative in your interpretation), write to Fredericksons with a copy to Cap One listing them all and report them to the OFT. We really have to get the OFT to sit up and take notice because Cap One are just ignoring everything we say to them. They need to be made to toe the line.

 

If you have had to wait longer than 12WD + 1 month, report them to Trading Standards too.

 

Hello Jones, I see you have moved on and been promoted, must have been the hard work you have put in.

 

I do believe that they have breached the OFT guidelines and we know how wonderful they are at doing something about it. They and ICO share the same special place in my heart for such terrific support for the poor downtrodden consumer. Actually, some OFT folk are quite good.

 

Anyway, I digress. Do you not think you could advise the poster who has this complaint to respond in a firmer manner? After all, I know everyone knows that I am hardcore and proud, but please remember that their are some excellent harrassment threads (Surlybonds did some great work). I have used these to great effect.

 

Also, remember there are other strategies: look at #30 in the Workshop link http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html , and since you cannot get an agreement from these guys, push for Restitution or Consolidation (letter requesting their charges refunded) and of course the real classic - tie them up with a S85. These are all great offensive strategies which you should push at them.

 

By all means complain - but don't be dissapointed by the response.

 

Be aggressive - fight fire with fire - you have everything to gain....

 

Z

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[sIGPIC][/sIGPIC]

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Hello Jones, I see you have moved on and been promoted, must have been the hard work you have put in.

 

I do believe that they have breached the OFT guidelines and we know how wonderful they are at doing something about it. They and Information Commissioners Office share the same special place in my heart for such terrific support for the poor downtrodden consumer. Actually, some OFT folk are quite good.

 

Anyway, I digress. Do you not think you could advise the poster who has this complaint to respond in a firmer manner? After all, I know everyone knows that I am hardcore and proud, but please remember that their are some excellent harrassment threads (Surlybonds did some great work). I have used these to great effect.

 

Also, remember there are other strategies: look at #30 in the Workshop link http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html , and since you cannot get an agreement from these guys, push for Restitution or Consolidation (letter requesting their charges refunded) and of course the real classic - tie them up with a S85. These are all great offensive strategies which you should push at them.

 

By all means complain - but don't be dissapointed by the response.

 

Be aggressive - fight fire with fire - you have everything to gain....

 

Z

 

Zubo

 

I have every intention being aggressive. Fred. didn't provide the CCA or pass the request to Crap 1 but I have requested CCA from Crap 1 who keep confirming Fred. do not own the debt.

 

The mighty mack

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Zubo

 

I have every intention being aggressive. Fred. didn't provide the CCA or pass the request to Crap 1 but I have requested CCA from Crap 1 who keep confirming Fred. do not own the debt.

 

The mighty mack

 

mack

 

way to go....

 

hack #24 and tag onto end #30 and/or ask them in the absence of a fully signed executed agreement what their proposals are for Restitution....

 

you do have a SAR I assume?

 

Z

[sIGPIC][/sIGPIC]

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mack

 

way to go....

 

hack #24 and tag onto end #30 and/or ask them in the absence of a fully signed executed agreement what their proposals are for Restitution....

 

you do have a S.A.R - (Subject Access Request) I assume?

 

Z

 

Sorting that out with Crap 1 although Fredricksons were kind enough to send a whole lot of statements without asking; but not the CCA. Just on doing this reply and Fredricksons have been on the phone for my son. Didn't tell them the lucky git is in Florida but the caller was rather abrupt so I gave him a typical Geordie response; second word was off but unfortunatley the first word was bog. Won't be the next time. Harrassment starting?

 

Ian

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Zubo, thanks for adding to my comments. You are right although I do think if enough of us complain to OFT they may have to take action - call me naive!

 

I have had no success with the harrassment letters so far. All my creditors have done is said it's not harrassment. I have stopped talking to them any more.

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That's the answer, see? Every time you talk to them you encourage them to call again. Change your numbers, block their number, do whatever you can to avoid having to actually interact with them. They won't get bored, but in the meantime you are logging every single time they call to present as evidence to the Police. Harrassment is taken far more seriously these days by the Police and CPS; and if they do enough of it they will be in serious poop.

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