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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Bank Holiday Sick Pay???


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I normally work mon - fri and I believe my contract says i am entitled to 3 days full pay before Statutory Sick Pay.

 

I left work ill on the weds and was off the thurs and fri before the bank holiday on the monday. I returned to work on the friday after still being ill bank holiday monday, tues, wed & thurs.

 

My employer says that I should only be paid SSP for the bank holiday as I was ill, but surely I am entitled to normal pay, as everyone else will have received!? I do not work bank holidays and they are in addition to my normal 20 days holiday.

 

Has anyone any advice or refer me to any websites please, cannot find an answer to this scenario anywhere on gov. websites etc..

 

Many thanks

 

D

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Ooooo....tricky one. Not entirely black and white, at all. What is your company policy, and what does it say in you contract, about sickness notification? IE do you have to call in each day you are off? Or just notify at the beginning and end?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I normally work mon - fri and I believe my contract says i am entitled to 3 days full pay before Statutory Sick Pay.

 

Are you sure? It is usual practice to be the reverse of this - only getting full sick pay after 3 days (the idea being to discourage people from "pulling a sickie" and having the odd 1 or 2 days off).

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Up to 3 days is normal pay, this is classed as the waiting? period, then after that is SSP - the question being, that should I get normal pay like evryone else for that day or can it be reduced to SSP...? Surely, it is nothing to do with the employer what the situation was on bank hol, I was entitled to be off...? Couldn't have worked if I had wanted to!...?

 

 

Cheers for quick replies

 

D

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What is your notification policy then?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Ello Barracad the company i work for pays Full company sick pay from the 1st day of sickness, i also work tues to Sat hence sun and mon are my days off or rest days as the company i work for call it, if i am sick for one week or say fri sat sun mon and return tues, then i will get full sick pay for the days i would of worked under my contract, ie will be paid for fri sat but NOT for sun and mon as not contracted to work them, as the case of the poster of thread, since you work mon to fri then the sickness pay will cover the same period, but as Barracad has said a large % of companys don't pay for the 1st three days. hence you will be paid just 2/5 if you have used your entitlement of company sick pay, then chances are you will just get ssp again only comes into affect after the 3rd day of sickness. Since one of your sickness days fell on a bank holiday then it is classed as a holiday hence day off, but since you were sick, no holiday pay would be payable. and most likly no sick pay if the company you work for operates a 3 day wait period.

Hope you have now got over what kept you from work :) you might want to contact ur union or try Acas - Home whom can assist more/better.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Not neccessarily no holiday pay would be payable shywazz. Certainly at Tesco(where I noticed you work(ed?)) it WOULD be payable.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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OK in my opinion there are two possible situations:

 

- It is not classed as a sick day - more likely if you had to have daily notification. In this case you would be paid as normal.

 

- It is classed as a sick day, as if you had worked. Not entirely out of the question, as many companies will, for example, class a day on holiday if sick as a sick day and "recredit" the holiday day. However, if this were the case, you should receive the sick pay AND in my opinion a day in "lieu" - ie an extra days holiday.

 

In my opinion, no middle ground.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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oh not working there now lol at number 3 in supermarket list Sains. :)

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Nice :)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Will have to try and explain to them that they are essentially docking my holidays, ie not getting paid as everyone else has done for bank holiday entitlement.. it can only be the days I am scheduled to work that are subject to SSP -

 

If i had booked some time off and I was ill, just bad luck they fell at same time innit? try and explain the nice tan whilst claiming back as illness eh!?

 

make sense ?? - my brain hurts! again!!!

 

D

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Is it only a small company you work for?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Guest strangewayofsavin

if your company usually do not work bank holidays, and pay in full, rather than deduct from your holiday entitlement, then they have to pay the full amount, unless a sick note covering the bank holiday was in force.

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I would normally have got paid in full for bank hol, my sick note did essentially cover the bank hol, but does this give them the right to reduce my entitlement??? Again, everyone else has got paid in full for bank hol...:confused:

 

cheers

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Guest strangewayofsavin

I'm afraid so, it is a bit of a loop hole, if the sick note covers say 7 days, then you are better off taking the 7 days. if you go back on day 6, or day 6 is a holiday, they can get away with reducing the payment. I am not a solicitor, but until very recently I was a company director, and that is how the rules are written, some are in favour of the employee/worker, others are in favour of the employer, I think they call it swings and round-a-bouts.

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Where I work they would have classed the Wednesday as day 1 as you went home sick, so the weds, thurs, fri would be the three days, the BH mon would have been treated as sick pay and we would reclaim a holiday day - have you asked if you can have the days holiday back?

Poppynurse :)

 

If my comments have been helpful please click my scales!!!!

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At my firm - i do the wages sheets - if you are sent home from work sick - you will be paid' 'paid medical time' for the rest of the day - then your 1st day of sick starts the next day. if you are on the sick - whether you have run out of company sick pay and on s.s.p only or not, you will be taken off the sick - paid full bank holiday pay for that particular day , then the following day you will revert back to what ever you were getting paid whilst on sick leave. We pay full sick pay from day one as long as you havent run out of your company sick pay and you ring in before 9.30 on the first day of sickness and keep us informed throughout the illness and everyone on the payroll gets full stat.hol.pay.

If you have booked holiday and you fall sick on that holiday - you ring and tell us you are sick and as long as you cover that with a sicknote - (self certification or med note) then you will get paid sickness and get your holiday entitlement back, however if it is a 'premises closed' for holiday period - then you are not entitiled to claim sickness or 'back holidays':)Alot depends on your company and what is and isnt agreed with the unions. Have a look at your employment contract - you should find the answer in there. Im sure there must be some employment law experts somewhere onthese forums....

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  • 1 year later...

Can anyone be kind enough to give me some advice and (truth!). On the 22nd Dec 08, I fell ill with chest infection and I was on holiday; and back in work the next day 23rd Dec 08. My only available appointment, with my GP was on the 23rd Dec 08. On the 23rd Dec, I phoned in sick and said I might come in the next day, Christmas Eve. When my GP examined me, he said I had a very bad chest infection and gave me a sick note of 7 days commencing from the 23rd Dec and this was handed into my employer on that very same day. When I got back in on 31st Dec 08, I got my wage slip and only got SSP of £55.08 and no holiday pay of Cristmas and Boxing Day. I was told I lost this because of not turning up for Christmas Eve. When I told them my sick note should cover that from the 23rd. They tell me I don't get payed for the first 3 days, hence, 23rd, 24th and 25th. Surley by law, this is a public holiday and this should not be affected. One of my work collegue told me I am still entitled for 2 lieu days that is owed to me if I don't get paid. Is this true? What are my rights with this situation? Your advice would be much appriciated.:confused:

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Hi poppynurse, thanks for that. As this is my first time using this, how do I go about setting up my own thread? Do I type in employment in the search engine and start a new post? Perhap a little demo will help, sorry for asking. :):oops:

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