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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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Help - suspended from work whilst pregnant on full pay


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Hi All,

 

I need some advice. I have been suspended from work on full pay yesterday and am 13 weeks pregnant.

 

My suspension is not an accusation of guilt but according to the letter my employer has provided is required in order for them to undertake an investigation.

 

I work in a telesales role selling advertising space which requires 3 hours on the phone per day and the allegation is that I have phoned a paticular telephone number which does not relate to my work in order to achieve the minimum target above.

 

For the last 7 weeks due to tiredness and lack of support in the work place i have not achieved this target anyway and the allegation about abuse or falsification of call records is completely unfounded.

 

Since I notified my employer of pregnancy they have given me paid time off for maternity appointments, however, the owner of the company and a number of male colleagues have treated me with contempt on returning from these appointments and also from sickness leave I have taken, various comments have been made about p*** taking. On one occasion (my 1st appt with my midwife, conducted at home) I had an appointment with my midwife at 9am, she did not turn up until gone 10am and the appointment continued till 11:30am at which time I went straight to work and then at 12:30 ( when my normal everyday lunch hour starts) I asked a colleague to bring me a sandwich so I could eat at my desk and catch up on some work, although I feel I could have taken my lunch my boss/owner reprimanded me for eating any lunch and said i should have had something at home whilst waiting for the midwife??????

 

On another occasion I arrived in work slightly late due to headache and morning sickness & had not managed any breakfast so at 11am felt my blood sugar levels had dropped and felt slightly dizzy so a female colleague offered me half a sandwich which took me less than a minute to eat. I was then asked by a male colleague not even responsible for managing me if I was intending to take an early lunch as I had eaten something, as i tried to explain why I had eaten something, the person in question said this was a prime example of p*** taking which was then backed up by another male colleague.

 

My employer has never been in a position where one of his employees has been pregnant and I feel like I am being managed out the company due to my pregnancy and the difficulties I have been experiencing so far.

 

Can anyone help?????

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Suspension on full pay is perfectly legal. You should begin to keep a diary of events. You may well have grounds for a sex discrim claim. Any claim would need to be brought within 3 months of the act complained off or last act of discim if you can link them.

 

You could consider submitting a grievance, but it may be best to await the outcome of the investigation.

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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This sounds like they are attemptingto force u out of your job and if they continue to behave in this way then u will have grounds for constructive dismissal like nat says.

 

I am discusted the way you have been treated especially whilest pregnant as there are rules on this. During pregnancy they have to allow you reasonable extra breaks during the day, like extra loo breaks and extra breaks due to need a drink or something to eat especially if you have been suffering with morning sickness.

 

Your boss repremanding you for eating at your desk after your late midwifes appointment u would have been entitled to ur normal break and just because you had a appointmnt does not mean ur not entitled to ur normal breaks. Would he have repremanded u if u need the loo?

 

The comments about you taking the p*** over the extra time off and leve due to not feel to goo is horrid. I would make a formaal complaint to someone higher than your boss.

 

I would give CAB a ring to find out what solicitors in your area specialise in employment law and seek there advise.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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How long have you been employed with the Company? I take it you ahve made them aweare of your condition? Its not only discriminatory, but it also sounds like jealousy from the male counterparts as you will be entitled to legal paid time off work, whereas they are not. Are you a Union member? If not, I would get in touch with HR to let them know of the situation before it gets any worse, as you should not be subjescted to such treatment, it can be negative on your health and your baby, and if HR are worth their salt, they will nip this in the bud! Do not attend any meetins without someone attending with you.

We are the only ones who make life difficult......

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Regarding the comments about your pregnancy and early lunches etc. This is actually sex discrimination. Try getting in touch with the Equal Opportunities Commision (I believe they are now known as "Equality and Human Rights Commission) here is their website: Equality and Human Rights Commission - home page

 

Also give ACAS a shot, here: Acas - How can we help?

 

The Equal Opps folks are fab they are brimming with case studies on how the unfair treatment of pregnant women can be constituted as sex discrimination, and cases where women discriminated against have won tribunals.

 

Also, have a look at The health and safety executive's guide on new and expectant mothers: Health and safety for new and expectant mothers

 

Discrimination against pregnant employees is a very serious offence, which tribunals take a dim view of. Most employers have no idea regarding the rights of expectant mothers.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

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well done the first step is always the hardest. Now u can atleast relay a little as u have taken the first step.

 

If you need anything else then let us know. BTW enjoy your pregancy i know i did whilest it lastest as it seemed to go so quickly.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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the person in question said this was a prime example of p*** taking

In case you need to take this further, keep a detailed diary of every such incident (no matter how minor) with date, time and persons present. A pattern will emerge and this is the kind of thing an industrial tribunal will want to look at.

 

In fact, if you can document everything you have mentioned in your posts, it's a fair bet that the equal opportunities commission would take your case on, although your union would normally do this for you.

Good luck.

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  • 3 weeks later...

I have now been dismissed from work and have just filed a formal appeal letter with the company before it goes to tribunal. My union rep based on the case I have presented so far is confident we will have a positive outcome when this finally reaches ET stage. Thanks again everyone.

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on what grounds have they dismissed u?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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