consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Debt Collection Industry

Debt Collection Industry Advice on how to deal with debt collectors.
Are you receiving distressing phone calls? Are you recording them? Why not?


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack (1) Thread Tools
Old 30th April 2007, 14:24   1 links from elsewhere to this Post. Click to view. #1 (permalink)
tnoemis
Basic Account Customer
Default Ex employer wants my money!

Don’t know if anyone can help me on this but I used to work for a small telecoms company from March 2004 and was made redundant in September 2005. Leaving on a very sour note after I had to fight tooth and nail to get my money they owed me and at the end of it still didn’t get everything I was owed and was under paid by about £250 and not eligible for redundancy pay. Not long after I started they set up my home phone line to allow my phone calls to go through their network instead of BT and they didn’t charge me for the calls (very nice you might think). I didn’t ask them to do this and didn’t sign any contract giving them permission to do this. A few months ago a got a bill from them for over £360 for phone calls made using their supplier. They tried to say it was a service that was conditional to my employment but didn’t disconnect it after I left and didn’t ask me to sign a contract saying that I would be billed after my employment ended or even state that I would be charged for it. I have actually never signed a single contract with them.
Well to cut a long story short, they're sending the collections agency after me after me kindly telling them they can go screw themselves. I didn't request this service and it is their responsibility to either disconnect the service or if I wanted to be billed by them they should have got me to sign some sort of agreement saying I was happy for them to bill me. I asked them to supply a contract saying that I agreed them to supply the "service" and they have not responded.
What is my best course of action? Write to the debt collections agency requesting a CCA to see if they can come up with proof that I agreed for this?

Many thanks,

Sim
tnoemis is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 19:34   #2 (permalink)
crusty git
Classic Account Customer
 


I am in: Cambridgeshire UK
Posts: 194
crusty git Novitiate
Default Re: Ex employer wants my money!

If there is no contract in existence then your ex employer is guilty of "slamming" your telephone account, that is taking it away from your existing supplier without your knowledge. Report it to OFCOM.

Has your ex employer sent you bills to cover the amount that they are claiming?

As regards the DCA simply dispute the account and asthe account seems to be a credit acccount serve them with a cca. This will mean that if they are unable to produce a copy of the original agreement it is unenforable

J
crusty git is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 22:30   #3 (permalink)
oojakapipi
Basic Account Customer
Default Re: Ex employer wants my money!

Did you sign an Employment Contract? Do you have a copy of the Employment Contract, Statement of Main Terms of Employment and Employee Handbook?
oojakapipi is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 23:12   #4 (permalink)
oojakapipi
Basic Account Customer
Default Re: Ex employer wants my money!

By the way, if you don't have the above you are entitled to copies.

I have worked in employment in the past and though I can't advise on the legal aspect of contracts of employment, I can confidantly say that you can request a copy of your employment file, which should include all of the above.

Some employers will put 'benefits' e.g. your access to telecoms in the contract of employment, or they will get you to sign an additional agreement for the 'benefits' when you sign the employment contract. However, I'm sure if you signed an extra contract when signing the employment contract you would remember. If it was in the employment contract they would have to write the contract to include the fact that should termination of employment take place the 'benefit' would revert to a service payable by yourself (don't quote me on that - it depend on what you signed).

Don't be scared by the fact that you left on a bad note, you are fully entitled to copies of your employment file, and hopefully that will sort it all out itself.
oojakapipi is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2007, 09:52   #5 (permalink)
tnoemis
Basic Account Customer
Default Re: Ex employer wants my money!

Dont think they could send me much. I didnt sign a single contract with them lol.
Probably not worth worrying about either. All I've had is one phone call from Lowell Financial in the last week and thats it. They probably found out that I hadnt signed any contracts with abycom and refused to buy the debt lol.

Thanks for your help and advice guys!
tnoemis is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2007, 10:22   #6 (permalink)
oojakapipi
Basic Account Customer
Default Re: Ex employer wants my money!

How nice of them to repay the debt they had to you! Perhaps they realised their error in underpaying you and decided to make payment through a telecom service!
oojakapipi is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply


LinkBacks (?)
LinkBack to this Thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86456-ex-employer-wants-my.html
Posted By For Type Date
Debt Collectors and Debt Collection Agencies - Consumer Action Group This thread Refback 30th April 2007 14:41

Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Taking on your employer.. jimbob2 A Word from the Banks 25 26th May 2007 20:19
When is an employer reference NOT an employer reference? The Stig Residential and Commercial Lettings 8 15th February 2007 18:12
Can employer ban smoking outside???? poppynurse General Consumer Issues 68 2nd December 2006 15:03
debt to employer? caledfwlch General Debt Issues 15 14th August 2006 16:58
p60 from employer taff999 General Consumer Issues 17 25th May 2006 23:13




The new Consumer Directory
search the web, shop online, looking for gift ideas?

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.