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BADMOTHER

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Everything posted by BADMOTHER

  1. Thanks for your reply chesham. I agree with your advice about refraining from negative comments with regard to my current employer. I am a public sector employee at the moment, and both job offers have come from public sector employers, although, in slightly different sectors. My attendance record; prior to the incident; is very good, if not excellant, and my references should be equally good, therefore I am hoping consideration would be given to this. I'm just not sure, and after all, I have done nothing wrong.
  2. I have been off work with stress as a result of a bullying incident at work 3 months ago. The incident hasn't been resolved, and I am still being signed off with stress by my Dr, pending resolution. In the meantime, I have managed to get a couple off job offers. My dilemma though is; once my prospective new employers find out about my attendance, these offers will probably be withdrawn! Anybody have any knowledge of Occupational Health opinions on "work related stress" and offers of employment, subject to pre-employment checks? I'm worried if I can't get over this hurdle I might have to go back to my job.:?
  3. Not in my job description, although I would be happy to train new staff if I were being paid to. I can appreciate that new staff need to be orientated within the department, but that to me means showing them where the toilets are etc, not giving details about the standards and full details of the job, quality of service etc. This should come from a manager or someone with relevant supervisory skills....
  4. Hi, I need some help with an issue at work. I am a clerk working in a small office in a busy department, there are 2 other clerks all of us are part time. There has been a vacant post for 8 months or so and they recently employed a new clerk bringing us up to our full quota of 3, along with a team leader (who also has other duties within the department). I was horrified to realise that myself and the other existing clerk are expected to train both of these new staff without any (even temporary) recognition! After challenging this with the line manager and more recently the department manager, I was informed that there is a "buddy system" in the department. I have been employed here 4 years and never been aware of this, also the team leader, who is on a higher grade and pay, will eventually be responsible for this, and be appropriately paid! I am considering taking out a formal grievance, but not sure of my full rights and employers responsibility! Any advice would be appreciated!:?
  5. OMG, well I suppose it could have been worse then. Thanks for the input raydetinu, yes I will have to just bite the bullet with this. nevermind!
  6. Thanks raydetinu, well i have already handed over the fee, but i really felt i should be able to complain somewhere are they regulated by someone. I definetly won't be going back there.
  7. Hi, My old T reg 206 failed it's MOT last week (no surprise there) so I booked it in with the garage who carried out the MOT to have the work done, which was rear break pads, a cylinder which i was quoted £45 ish for and the emmissions failed on the exhaust system. I had the exhaust and cat fitted back in November from this same garage so i took along my receipt to cover any work for the exhaust. The garage hadn't contacted me all day so I went to collect the car at 3pm after work. They said they couldn't get the emissions down so had replaced a seal on the exhaust, that didn't work so they did an oil and filter change that didn't work so they sent for a "Lambda sensor" and fitted it which was about £80, they said the supplier had sent the wrong one so they would have tokeep the car overnight to wait for the new one next day. I said i needed to take the car home but would bring it back in the morning so they could test the emissions again. Next day i told him I didn't want him to put the lambda sensor on (cos we had googled it at home and saw them for £22.95 the guy says he had already fitted it and it wssn't the wrong one it just needed adjusting. I told him i wasn't happy about this and needed the bill itemising he still tried to charge me for the exhaust seal which was under warranty, in total he charged me £200. I picked the car and MOT up later that day but was fuming about the treatment I had received. I just need to know if there is anybody I can complain to or is this "normal" for a garage. I hate the thought that they have seen me coming.
  8. I'm always around here curly, mostly reading I admit. ...... I do miss the chatroom though as it goes, it was nice to blow off a bit at the w'end, us with no babysitter an' all!
  9. Well, after all the bad news about Lloyds the other day, with that daft judge in Brum, my o/h's claim was settled yesterday. There was the letter when we got home "usually we don't refund etc,... but on this ocassion blah blah! His claim was for £782, and they have offered £750 which has already been credited to his account:). We were about 10 days past the LBA expiry date, but hadn't got round to the filing at court bit yet.....So anyone having second thoughts about going through with their claim take a bit of encouragement from this!
  10. Well, the standard "we are looking in to it" letter was received 2 weeks ago so today the LBA has been drafted and will be posted. 2 weeks from now, will probably be filing at court.
  11. benn1, i used the following address; RBS Plc Customer Relations Freepost Po Box 1727 Edinburgh EH12 9JN. You could use the branch, I'm sure they would redirect it for you. Don't forget to use recorded delivery though so you can trace it! Good luck
  12. Sorry Hazy, just reread your thread I didn't realise these are credit cards financed by RBS, and not a current account! The address I gave you may not be appropriate in your case, you would probably be better writing directly to the credit cards own address, ie Mint customer care etc, the address will be on the prepaid envelope they send along with your bill. Sorry, in my haste to help I get a bit carried away !!!!:o
  13. Found this address for your SAR, i can't remember where i sent mine, Data Protection Consultant Business Risk - Retail HBOS plc Trinity Road Halifax HX1 2RG I think all requests are forwarded internally to the correct department anyway, no matter what address you use (as long as it's a valid RBS one!) As far as closing your account they seem to treat everyone differently, though i imagine if your claim is substantial they will be keen to close you down IMO. They are covered by English law if the branch the account is held in is English and Scottish alike! if that helps. Good luck, I have just sent my prelim for a Business account to the Customer relations Freepost Edinburgh address. I've just seen dx's post to you, I didn't know that either, that's encouraging then
  14. Prelim letter sent today: Account No: Dear Sir/Madam, I am writing to ask you to refund to me the charges which you have levied from the above-mentioned account over the last five years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. I calculate that you have taken £.in penalty charges and £ in debit interest bringing the total to £ I also request that any settlement should include compound interest at your current contractual rate of 29.8% from the date that each charge was first applied onto my account. The account’s Terms and Conditions specify the interest payable on unauthorised drawings from the account. I believe that this applies to unauthorised drawings by you as well as unauthorised drawings by me. I therefore believe that I am entitled to ask for this rate and further that it is justifiable under the principle of mutuality and reciprocity, and is based on your unauthorised overdraft interest rate that would be applied under the terms of the above mentioned account. I enclose a schedule of the charges which I am claiming with this letter. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment If you do not respond, or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. I am aware that to date The Royal Bank of Scotland has failed to defend itself successfully in any court action, and if it were to follow in this case then RBS will also be liable for costs. Yours faithfully, I doubt they are gonna pay up so probably in for the long haul with this, fingers crossed any tips or comments would be most welcome....lets see!
  15. Just subscribing to this thread, I will shortly be starting a claim for a friends business account which was closed last year by RBS. I'm at the point where I have added up the charges alone to over £14k. I haven't done a business claim before so will be looking here for all the help I can get.
  16. I think any bank of your choice would offer you an overdraft, depending on your credit rating! I would be looking for 1 with the biggest "no fee" overdraft. Also they are all talking about charging for a current account now. First Direct have already started charging if you don't meet the requirements i.e. pay in less than £1500 a month or don't have one of their other products (loan,cc, etc). I went for a parachute account with Citibank with a fee free £500 overdraft, well that was a month ago, they said the account has been approved but I still haven't had the welcome pack etc. In the meantime I have already succesfully claimed against FD and didn,t need the account anyway. I would do a bit of searching for one that suits your needs! Good Luck:)
  17. Thanks T4FF, I 'm just a bit worried that might make things really confusing, as this will be the 1st time down that road if and when we get to court stage. The charges alone stand at over £14K. I'm not sure yet if the account owner is gonna go for contractual interest aswell. I will look at the totals tonight, if that's the case we might be filing 4 or more court claims!!! OMG:eek:
  18. just subscribing here, I will be going down this route soon and your thread has it step by step! Good luck:)
  19. just subscribing to this fabulous thread before I pick a bone with RBS myself.
  20. Got to hold back with my prelim letter for now, because i'm worried they will close the account which has a huge overdraft that we can't settle just yet. But i'm still looking forward to the day that I can start this claim and get all our money back. I am gonna shop til' i drop, already spending it in my head!
  21. Hi, i am claiming for a friends business account and have been trawling through the site for advice on the amount we can claim back. I notice some people have claimed more than £5k through the small claims courts. This is gonna be over £10k can we still go through small claims???? any advice would be great thanks
  22. Good post sdavie, I was looking for exactly the same address today and wasn't quite sure where to send. I will keep watching this thread, sending my prelim letter to the Brum' address tomorrow recorded delivery. Good luck t'ya.
  23. The TV was finally collected today on their 4th attempt.
  24. I'm not sure if it makes any difference but, what type of account have you been trying to open? There is such a thing as a basic account which most banks (i believe) don't offer you unless you ask. I got one with Citibank (basic account) but they did do a credit search on me too. Not sure if this is of any use but there is bound to be someone on this site who can advise you. Try one of the mods. In the meantime good luck!
  25. I settled with FD last week, I sent the signed full and final settlement agreement back about Thursday and my account was credited today. If that's any help. Why aren't you going for the full amount after getting this far?
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