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
The Consumer Action Group
> Employment Problems

Employment Problems Do you have problems at work for any reason including disability, harassment, discrimination? Are you facing disciplinary action? Are you failing to get employment because of some disability or discrimination problem? Discuss it here.


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 Thread Tools
Old 28th November 2007, 17:20   #101 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
 


I am in: In SEN heaven
Posts: 5,095
tiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritative
Default Re: Can they even do this?

Well, it's all more power to your bow, so don't respond, print & file every correspondance and contact their solicitor to allege intimidation and harrassment which is evidence you will present to the court at your tribunal.

Advise you are also considering reporting this matter to the police.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 00:23   #102 (permalink)
hanzo
Basic Account Customer
Default Re: Can they even do this?

What is happening is that the other side are taking witness statements. People who want to keep working there are keeping their statements in line with the line taken by your employers. They resent you for having to lie in order to keep their low-paid jobs. Hence the abuse. Keep the person's bebo comment. Cite her as a witness under a witness order.
hanzo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 02:06   #103 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

Hanzo ther are so few people working there who worked alongside me (very high staff turn over) that I'm sure getting witnesses from the staff would be hard. I found out that her boyfriend has been disciplined for discussing the case with her.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 08:56   #104 (permalink)
installspark
Classic Account Customer
 
installspark's Avatar
Default Re: Can they even do this?

Quote:
Originally Posted by Jenschnifer View Post
Guy on the phone worked out the statutory nonsense and had to make generalisations on the disability claim. He recons that if I were to win at tribunal I would be awarded about £7500 but he said you should knock some off if you're going to settle.
Did you prepare a statement of loss as part of the ET claim?

When I went down the ET claim due to disability route, it was ordered by the ET that a statement of loss be prepared and submitted. You will probably find that the other party wrote their defence and it was only submitted by the lawyer instructed to handle the claim as the their representative. The ET and other party also accepted the DLA letter as evidence of disability.

My claim was settled through ACAS before a pre hearing was to take place, and the offer without admission of liability (?!) was substantial, this being their first offer. ACAS advised that it was unusual for an employer to offer the amount initially and that I could expect to receive around the same figure from a tribunal.

I wish you all the best and hope you get the outcome you are looking for.
installspark is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 15:18   #105 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

thanks IS, the lawyer definately answered one question as it's on his companies paper but the rest looks like the works answers. I've not been asked to file a thingy for loss, what does that involve? This is too much for my poor dyslexic brain to take. The figure of 7500 was quoted by mr acas after he took details of how much i'd been paid, what happened re. disability discrimination and other stuff like how long i'd worked there.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 15:27   #106 (permalink)
hanzo
Basic Account Customer
Default Re: Can they even do this?

Actual loss of earnings and employment related benefits (1) £........
Future loss of earnings and employment related benefits (2) £........
Loss of right to statutory notice period (if claiming unfair dismissal also) [Usually awarded in the region of £250] (3) £........
Non financial loss (e.g. injury to feelings) (4) £........
Total A (1 plus 2 plus 3 plus 4) £........
Offset against :
Earnings in new employment since dismissal/act of discrimination (5) £........
State benefits received since dismissal (6) £........
Total B
(5 plus 6) £........
TOTAL LOSS
(Total A minus Total B) £........
hanzo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 15:43   #107 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

do i include benefits i got when i was still at work? The only benefit i'm entitled to is disabled living allowance because i'm a student and i've been on that since before i started work.

Also i was in the system to start recieving the disabled components of tax credits but lost these when they cut my hours, do I write about that?
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th November 2007, 15:45   #108 (permalink)
hanzo
Basic Account Customer
Default Re: Can they even do this?

No, don't include DLA. Only include income-related benefits like JSA, income support, tax credits etc.
hanzo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd December 2007, 21:24   #109 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

Ok so found out today that the company are still not keeping their mouths shut about this so now a new manager has told a personal friend of my flatmate all about the case in great detail and she and her friends are excluding him so that new manager (hired after I left) doesn't feel comfortable. Isn't there some legal gag I can apply because I don't want the world and their granny knowing my personal business (things like my recent op were scrutinised apparently).
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd December 2007, 21:47   #110 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

Just a thought but as this was in writing and is now presumably in my HR file does that mean discussing it would be a breach of the data protection act?
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th December 2007, 22:56   #111 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 


I am in: up Sauchie an doon Buckie
Posts: 874
GlasweJen InformativeGlasweJen Informative
Default Re: Can they even do this?

Stuck in another counter offer with ACAS today, i think they might just accept this one but I have a question: What happens one we reach an agreeable figure?
*Do I drop the case and then get paid or demand cash upfront?
*Is there a form to fill in, do I write a letter or do ACAS advise the tribunal that we've managed to settle it?
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th December 2007, 10:48   #112 (permalink)
hanzo
Basic Account Customer
Default Re: Can they even do this?

ACAS will deal with it. You will have to sign an agreement called a COT3, which is a binding contract on both parties. They will have 14 days to pay you unless you agree to a longer period. Once the COT3 is signed, ACAS will inform the tribunal, and the tribunal will put your file away with no further action to be taken on it.
hanzo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools





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.