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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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Hours of employment HELP!! Employer forciing change to shifts


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Hello,

Im looking for some advice/help,

 

i currently work for [edited] on a 16 hour contract,

i have worked for the company for 4 years.

 

I am a single parent of 3 children and I also attend college 2 days a week,

 

my problem is this,

my manager has re-shifted everyones working patterns instore and has moved my shifts on to days and hours she knows i cant do due to me attending college and childcare issues, having to collect children from school etc.

 

she knows my situation and knows that the hours and days i currently work are the only shifts i can do,

by doing this she is forcing me out of the company as she has told me if i dont accept the new hours my contract will be terminated,

 

we have alot of teenagers working in our store and she hasnt changed their shifts to days they are at college/uni she has worked around that!

 

i have spoken to acas they have told me that she can do this and if it does come to terminating my contract then i can take her to tribunal

however i may not win,

 

is there anything i can do ?

Surely companies are meant to encourage and support working mums not put them in a position where they could become unemployed through no fault of their own ??

 

Any help or advice would be very much appreciated,

 

thankyou

Edited by honeybee13
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I have removed the name of your employer for now

 

Have you ever submitted a flexible working request - or do you plan to?

 

Yes the employer can change shift patters. Is it fair or right that they do so? No, but providing that they do so in a particular way (and it sounds from the way that you word your OP that they are doing this) then your options are limited when it comes to Tribunal action

 

I strongly suggest that you go down the route of a FWR - that is a legal process which obligates the employer to consider the request and they are bound to provide genuine reasons why it cannot be accepted - if they do reject the request. You can then appeal

 

Guidance here https://www.gov.uk/flexible-working

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

 

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Ive read through the link you’ve posted and my manager has already stated that this change is for the needs of the business amd to meet customer demand, is it still worth going ahead and putting in this request ? Also if i give her some sort of offer as to what i could do to try and meet the needs without my weekday shifts changing (offering to work 2 saturdays in a month as she has stated she needs more saturday staff) would she still be able to refuse and would I have more grounds if it went to tribunal?

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I am afraid that this is a difficult one. Yes, you should make the request anyway - if you don't, then you do the shifts or not. You'd have no argument at all. But of course she can refuse, and we can't predict if this would help a tribunal case or not- because we don't have access to the employers side of the argument. But it can't harm yours, and that is the point.

 

Having said that, in the end, your child care responsibilities MIGHT be an argument. Your college course isn't. In the end, your employer employs you to work, not for your personal life and choices. That isn't said to be harsh - it is just reality. They don't care about your children, your college, your life... They care only about what suits their business.

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Yeah - do it, get an answer and come back with that answer if it doesn't solve the problem. It may be that there is nothing to be done. There isn't always. But the more information you can give us, the better it is for us to advise on.

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Hello,

Im looking for some advice/help,

 

i currently work for [edited] on a 16 hour contract,

i have worked for the company for 4 years.

 

I am a single parent of 3 children and I also attend college 2 days a week,

 

my problem is this,

my manager has re-shifted everyones working patterns instore and has moved my shifts on to days and hours she knows i cant do due to me attending college and childcare issues, having to collect children from school etc.

 

she knows my situation and knows that the hours and days i currently work are the only shifts i can do,

by doing this she is forcing me out of the company as she has told me if i dont accept the new hours my contract will be terminated,

 

we have alot of teenagers working in our store and she hasnt changed their shifts to days they are at college/uni she has worked around that!

 

i have spoken to acas they have told me that she can do this and if it does come to terminating my contract then i can take her to tribunal

however i may not win,

 

is there anything i can do ?

Surely companies are meant to encourage and support working mums not put them in a position where they could become unemployed through no fault of their own ??

 

Any help or advice would be very much appreciated,

 

thankyou

 

You need to get in writing that if you do not agree to the terms your contract will be terminated.

 

If others are not being affected by change and it is evident that you are being treated different as in the case the young employees not being affected by change as opposed to you, you are being discriminated against.

 

Forget ACAS, however before you can take your case to a Tribunal they have to try and mediate its just a protocol that needs to be followed before you can proceed.

 

Do not accept anything that has been said, ask for the Company to put in writing what they are advocating.

 

The important fact at this stage is your employment rights that you were giving the day after the point you were employed for two years.

 

You have rights as do your employers but don't bow to them ask them to put it in writing give them a period of 14 days and state that if they do not put in writing or document their intentions the verbal threat that they have giving you should be retracted.

 

Tell them and ACAS that you will reserve your right for a Employment Tribunal to adjudge the matter and on the grounds of age discrimination.

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1. as Sangie says, request flexible working for childcare. the key thing most people dont do, and why it gets turned down, is to show how the company can accomodate your reqest - so you need to describe others' traditional shft patterns and how they can work with you

 

The company will need to accept, or decline in writing giving their reasons - valuable evidence should yu need it later

 

2. if college is work related the time off for training leglisation may kick in - is it?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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I cannot but imagine that following the adversarial option proposed by spitfire will do anything to preserve your employment; and I am afraid that the confident, but entirely unevidenced assumption of age discrimination (or any other form of discrimination) is entirely incorrect.

There is simply no way, based on the information posted here, that it can be determined that there is any form of discrimination going on.

 

As Emmzzi points out, there are many quite legal reasons for treating younger workers differently, just as there are reasons for treating other groups of workers differently. Young workers have different levitation about their working hours, may be apprentices with arranged training as party of their contract, etc. And telling your employer in writing that they have a deadline or they had better withdraw a "threat" is the fastest way I know to get them to dig in their heels and tell you that your shifts will be changed and that's how it is.

 

It is significantly easier than most people recognise to change contractual conditions, even assuming the hours of work are, in fact, contractual. And there are good reasons for employers to refuse request for flexible working arrangements or other hours of work. Whether this employer is able to muster those arguments is something neither we, not the OP, knows. But it isn't hard to do. In the end, employers hold a powerful hand, and there is no right to employment - business needs trump almost everything. That is just how it ism

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Thankyou all for taking the time to advise me on this, no college isnt work related, it is my choice to train in another field, I will put in a request for FWH, I do feel it will be refused as she has stated that this change is to meet the needs of the business and customer demand, It wont hurt to try tho, I really appreciate all of your advice and I will keep you updated on progress and outcome, thankyou

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Follow sangies advice AND NO ONE ELSES.

 

The "other" advice is passive aggressive and will get you nowhere with your employer

 

 

OY!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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The point I was making was follow sangies advice.

Emmzzi, I was underlining your first line in your post in 7.48am.

 

SP has a track record in many many posts of being passive aggressive and advising gong in all guns a blazing if spitting your dummy out does not work.

Sorry I I've been misunderstood, I hope that clears it up

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what part of post 26 did you not read..

 

those and numerous unhelpful posts removed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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