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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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Hi all,

 

Would someone be able to give me some advise please.

 

I went to work today and at 2pm i was called into the office and was told my employment was being terminated there and then :-(

They gave me a letter saying it was for poor performance and poor time keeping which i was shocked at, as no one has ever said anything to me. I have been in my job for just over 11 months and never even had a come on your not doing your job or anything. I have not been late or missed time at work so i am a bit confused.

In the 11 and a bit months i have been working with this employer i have never been given a contract or job description and only limited training (not enough to do my job).

Is there anything i can do in terms of unfair dismissal, breach of contract???

Also they started interviewing people last week which I thought they were adding to the team but it now looks to me it was for my replacement :-x is there anything i can do about constructive dismissal???

All they gave me in the office was a letter saying i was being terminated there and then, my pay slip for this month and next month, my p45 and a cheque which is one months money, commission for what i have sold, less tax.

 

Any help would be helpful

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Hi,

 

Can you give us, precisely, the time you've been employed, please?

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thats a good question, my business cards say sales executive but i also looked after there website and kept it up to date with current content, which i have done right though with no problems.

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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So, you were 28 days away from a year employment, giving you statutory rights...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Yes, that's the contentious issue. Rather fishy that you got the Andy Black at this point.

Of course, the ER will try to argue that the EE wasn't entitled to a months notice, that's why I asked what your position was.

If you were relatively senior, and it would be implied that a months notice would be reasonable, then I think you'd have a good argument for being eligable for SER.

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Yes, that's the contentious issue. Rather fishy that you got the Andy Black at this point.

Of course, the ER will try to argue that the EE wasn't entitled to a months notice, that's why I asked what your position was.

If you were relatively senior, and it would be implied that a months notice would be reasonable, then I think you'd have a good argument for being eligable for SER.

 

Sorry Rachel, but what is SER???

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At this stage what is my best course of action??? Should i go to a solicitor???

 

Hello there. If you do, make sure it's an employment specialist. You should be able to find them in Yellow Pages, or the CAB should have contacts. Go and see 2 or 3 if you can, if they will offer a 30 minute free interview or you are willing to pay. You could also check out the ACAS website and speak to their helpline, although I would double-check any advice they give you.

 

I agree with the guys, it sounds a bit dodgy.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Sadly a solicitor will probably just see the 11 months and say 'sorry' there isn't anything you can do, and to a certain extent he is right, as in theory at least an employer can dismiss for any reason with little fear of being taken to a Tribunal.

 

However. There are a few finer points which we will try to explore first beforehand, hence the barrage of questions.

 

Have you been given a written statement of reasons for dismissal? A right of appeal? Have you been paid any outstanding holiday pay?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Sadly a solicitor will probably just see the 11 months and say 'sorry' there isn't anything you can do, and to a certain extent he is right, as in theory at least an employer can dismiss for any reason with little fear of being taken to a Tribunal.

 

However. There are a few finer points which we will try to explore first beforehand, hence the barrage of questions.

 

Have you been given a written statement of reasons for dismissal? A right of appeal? Have you been paid any outstanding holiday pay?

 

They gave me a letter saying poor performance and poor time keeping (never mentioned), nothing at all to do with appeal and they included 1 weeks holiday pay ( no break down of it). fire away with the questions :)

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I thought the qualification time for SER was 51 weeks ? a good employment lawyer would want to know why they waited until 3 weeks before you would have earned employment rights to dismiss you for poor performance. This is especially dodgy given that they have not discussed poor performance with you previously or tried to assist you to make the grade.

 

Definitely see if you can get a free session with a specialist employment lawyer.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Well the first thing to do is to write a formal letter of appeal, dismissing suggestions that your performance or timekeeping have been deficient in any way, and asking for written details of when you have previously been spoken to and by whom, on the matters for which you have been dismissed. You should also ask for a copy of your contract (I know - you have never had one, but why should we not start making life awkward for them?), and a copy of the company's disciplinary and grievance procedures (for the same reasons as before).

 

What you need to do now is to start being inconvenient. At the end of the day, the 11 months bit is always going to be a huge barrier here, and TBH it may be that you come across a brick wall with this, but it is necessary. With just less than the necessary 12 months service, a Tribunal could add your contractual notice period to the date of termination to take you over the 12 months, but without any form of written contract, it is going to be nigh on impossible to demonstrate that you could (or should) have been entitled to sufficient notice to take you over the 12 month mark. Unless they were daft enough to come up with some sort of contract which states that a months notice is required....

 

You also need to calculate your own holiday to see whether that is correct. Have you a record of what you have taken?

 

There are certainly some issues here - lack of a written statement of particulars, which by law you should have received soon after starting, lack of correct disciplinary procedures etc, but as yet, insufficient to bring an action for Unfair Dismissal.

 

Is there the remotest chance that you may have been dismissed for reasons of discrimination?

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I thought the qualification time for SER was 51 weeks ?

 

It is - if you are dismissed without notice (for reasons which would not automatically result in dismissal) after 51 weeks, then the statutory 1 weeks notice can be added to the 51 to make up the requisite 12 months in order to take Tribunal action for Unfair Dismissal.

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Well the first thing to do is to write a formal letter of appeal, dismissing suggestions that your performance or timekeeping have been deficient in any way, and asking for written details of when you have previously been spoken to and by whom, on the matters for which you have been dismissed. You should also ask for a copy of your contract (I know - you have never had one, but why should we not start making life awkward for them?), and a copy of the company's disciplinary and grievance procedures (for the same reasons as before).

 

What you need to do now is to start being inconvenient. At the end of the day, the 11 months bit is always going to be a huge barrier here, and TBH it may be that you come across a brick wall with this, but it is necessary. With just less than the necessary 12 months service, a Tribunal could add your contractual notice period to the date of termination to take you over the 12 months, but without any form of written contract, it is going to be nigh on impossible to demonstrate that you could (or should) have been entitled to sufficient notice to take you over the 12 month mark. Unless they were daft enough to come up with some sort of contract which states that a months notice is required....

 

You also need to calculate your own holiday to see whether that is correct. Have you a record of what you have taken?

 

There are certainly some issues here - lack of a written statement of particulars, which by law you should have received soon after starting, lack of correct disciplinary procedures etc, but as yet, insufficient to bring an action for Unfair Dismissal.

 

Is there the remotest chance that you may have been dismissed for reasons of discrimination?

 

As for holidays I have taken 7 days this year so far and they have said they have paid me 7 days.

 

I can't think of any reason for discrimination or it has really happened. No one else has been called into the office or sacked and i was the last one to be taken on in the company.

 

Also is there a time limit in which they have to respond to my letter??? I will draft one up now.

Edited by gazhodge1981

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Certainly you need to go see an employment law solicitor, maybe a few as opinions vary.

 

The qualification for SER issue is the big bowel of contention here.

 

Your employer had a statutory obligation to provide you, within 2 months of the commencement of your employment, with a written statement of the particulars of employment. That document should include the periods of notice that each party is required to give the other. Evidently that document wasn't provided.

Now, if you're in position of some seniority, where it might be implied that it was reasonabe for each party to give the other 4 weeks notice, you might be able to argue that your employer should have given you such notice in this circumstance. In which case you'd have, when taking into account the 4 weeks notice, over 1 years continuous service. Bingo, Statutory Employment Rights!

 

As Sidewinder said, the danger is that if you take this to a solicitor, they'll take a look at your length of service and say, 'sorry, no can do'.

I can't claim with any certainty that a claim would be accepted by ET on the 'implied notice' argument, but it's worth a punt. If you do go to see a solicitor, you need to impress this argument upon them.

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Certainly you need to go see an employment law solicitor, maybe a few as opinions vary.

 

The qualification for SER issue is the big bowel of contention here.

 

Your employer had a statutory obligation to provide you, within 2 months of the commencement of your employment, with a written statement of the particulars of employment. That document should include the periods of notice that each party is required to give the other. Evidently that document wasn't provided.

Now, if you're in position of some seniority, where it might be implied that it was reasonabe for each party to give the other 4 weeks notice, you might be able to argue that your employer should have given you such notice in this circumstance. In which case you'd have, when taking into account the 4 weeks notice, over 1 years continuous service. Bingo, Statutory Employment Rights!

 

As Sidewinder said, the danger is that if you take this to a solicitor, they'll take a look at your length of service and say, 'sorry, no can do'.

I can't claim with any certainty that a claim would be accepted by ET on the 'implied notice' argument, but it's worth a punt. If you do go to see a solicitor, you need to impress this argument upon them.

 

Are they still able to just terminate your employment without any grievance procedure or offer of any training?

 

As far as notice I know they would want a months notice if i was going to leave.

 

As for a senior position, i was in the sales department and was the only one in the company to look after the web side of things which they did pay me to do.

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Hi HB,

 

I have just checked the email's i had when they offered me the job, all it has on it is my salary, info about my company car and fuel but nothing about the notice period :(

 

Dear G,

Further to your recent interview and our subsequent conversation, I have pleasure in offering you the position of Sales Executive.

Your basic wage will be £*** per month. Commission will also be payable and you will receive a company vehicle and 22.5 litres of fuel per week.

As discussed, we would expect you to start employment on Monday 28th June, please advise if this is not possible.

Please bring both parts of your driving licence and your bank details.

Once again, congratulations and I look forward to seeing you on Monday.

Your Faithfully

This was the email they sent me to offer me the job.

 

It seems the only thing i can do is write to them and see if they send me a contract and stuff and maybe speak to a solicitor in the mean time :(

 

is there a set period they need to respond by???

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Speak to a solicitor first.

Don't write asking for a contract, they might well send you one that includes all the terms that scupper your argument- 'only entitled to 1 weeks notice', etc.

You're in a stronger position with no written contract.

Plus, as they've not provided you with a written statement of particulars of employment, if you were to make an application to ET you could claim an additional 2/4 weeks pay for this failure.

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Speak to a solicitor first.

Don't write asking for a contract, they might well send you one that includes all the terms that scupper your argument- 'only entitled to 1 weeks notice', etc.

You're in a stronger position with no written contract.

Plus, as they've not provided you with a written statement of particulars of employment, if you were to make an application to ET you could claim an additional 2/4 weeks pay for this failure.

 

TBH Rachel I don't think they could produce one even if they wanted to, i know some people there have been there 20 plus years and never seen one :)

 

I will arrange tomorrow to set up a meeting with a solicitor and see what they say.

 

Is there anything important i need to ask a solicitor or something they are likely to ask???

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