Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Advice please - helping an employee with 6 PDLs

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    Newbie here.
    I have an employee who owes 6 PDLs approx. £3.5k he cannot pay. He can only afford about £200 per month.
    As his employer I am prepared to try to pay off the debts, and then recover it from him from his payroll over a couple of years. But we can't afford £3.5k
    Will the PDLs negotiate? I haven't yet looked into whether they have leant responsibly, but will they accept settlements of the original loan plus an element of interest? His alternative is probably IVA or bankruptcyicon.
    Advice Please

    Many thanks in advance...


  2. #2
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    Default Re: Advice please - helping an employee with 6 PDLs

    We need to know details of all the debts.
    We need to know who the creditors are and when the debts were incurred and other details such as when did payments cease.
    Before you consider negotiating you should begin by discovering whether they are enforceable.
    The best thing to do would be to get the employee to come onto this forum and to start giving us the information directly.

    It will be much quicker and more efficient that way



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  3. #3

    Default Re: Advice please - helping an employee with 6 PDLs

    classic case of the need to get an IRL complaint running to each company.

    https://www.consumeractiongroup.co.u...-Viewing)-nbsp

    read our guife above .

    no don't ever advise anyone to go IVA BK etc theres no need

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    If you want advice please PM me a link to your thread. PM advice is not allowed!!
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  4. #4
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    Default Re: Advice please - helping an employee with 6 PDLs

    Thanks both for your words of wisdom!


  5. #5

    Default Re: Advice please - helping an employee with 6 PDLs

    I find this quite a noble and honorable thing to do for an employer to do tho for an employee.
    But there must be an underlying problem which also will need addressing.


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