she is about ot resign due to the fact that she still does't know her hours for this week ... anyway has she has been there now for four years ( she started in 2003 ) then she will give one week and the rest will be made up of the 4 weeks holidays she hasn't took but she had already book can she do that? when her last working day will be ?

her contract stipule that her hours will change from time to time and if it does she will receive notice inadvance. she has no problem form time to ttime but what she said is that form now on her hours will vary each week but she has no idea where and when so she will now at the very last minutes . is this fair, especially that she has other engagement that she has to attend this was never an issue before when her hours changed she knew it at laest a week in advance now she just received phone call and must drop everytinhg in order to sastify the need of the business ? this one issues hat she has with many others for example she can't have a break while others can ?

hi again after a long week she told me that she made a complaint to her area manager their answer this was due to a misunderstanding. anyway she made a formal complaint by writing. however they agree for her to retrun her normal shift only for this week but with no break whataoever.... mmm. vwery caring however he told her that her hours will change next week and that her 18 hours per week wil not be set anymore and her shift will vary form day to day. so she finished her today she has no idea when she is working next week and was told that her management will ring her soemtimes this week end ? is this legal ? can she refused that ?

she just doenm abotu a complaint in writjng but i think after five years of her life this is a disgracefull way to treat her, she is very profesional ... thank you for your help xxx

she made a complaint today to her boss butr she is waiting her decisions abourt if she want to leave. which i think is unfair dismissmal ?? the area manager only told her that if she want to go further then she will have to make a complaint in writing. that 's says a lot ? sorry she is very upset and crying i tried to conforrt her but it is very little i can do for her . any way thank you ..

hi and welcome to this site there is plenty of help available and many acknowledged menber which can give you some sounds advices. If i were you send them a request of your agreement under CCA ( Consumer Credit Agreement) they have 12 days to answer your request of not they are in default and after one month they have commited an offence . you can find the letter template on the sticky thi sone gives you the guidelines http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html and thi sone is the template ( letter N) http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html i hope this help. sorry for my typo good luck

thankfro oyu rgelp i will pass on the message to her. however she did told to her managewr that she wasn't happy abotu that and she never asked about textending her break time for 30 minutes and was imposed on her. her contract inclde three shift of six hour per week excluding meal and refreshment break. however the manager allow himself t ophave cigareeter and refreshment break on top of his 30 minutes break / anyway she was very upset yesterday as her employer want her to leave a he doesn't do staff motivation and tha raising an aggrievance is unprofessional. basicallly he was very dismissive and say that if it was up to him she won't have a break at all . although sher argued that it was the practice with the rpeviosu manager for the last five years. . anyway i suggest her thst might be construed as unfair dismiossal as t=her manger insulted her of maonkey that the shop is shxxe the staff are shxxxe and so forth .... what can she do now ?

hi everyone, i amwriting on behalf of someone else. she has been working fpo rthe same company for 5 years her hours were 8 am to 2 pm three days a week until recently they had a new manager whihc saud thjat in order to be paid fully she had to work and extra one hour and a half per hour to have her break of half hour. althought she had before only 15 minutes break the new manager increase it to 30 minutes without her knowledge nor change of contract. but her manager kept insisting that she cannot be paid for this extra as she is contracted foir 18 hours a week her argumenrt is that well i have been working the same hours under the old manager for 4 years and i signed a contract which show that i am not doing that. her manager threaten her that if she leaves ( even thought by her rota she has finished her shift ) then she will consider that she walked out . is this legal change the contractual hurs without contracrt ? if she has to sign it can she refuse it as thgi swill overlap onto other commitment?

yes you are entitled to any information that you request under the data protection act as long you have asked for it. so if you think they are some details mising send them a leter before action usually does the trick . good luck

the default charges and the other stuff that imentioned should be in the agreement that you signed and it cannot be pesented to you after you signed the credit agreement . it seems to me they have but though i am no expert on this CCA so keep checking was it for a credit card or a loan ?

you can terll her daughter that the agreement in unenforceable don't sign any letter to them , morever an apllication form is not an agreement and the CCA is pretty clear on that . i forgot to mention that the original creditor staing in the same letter that my full and fianl offer was sent alongside to the DCA for them to make a decision on it I offer them 10 % of the sum . good luck and thank you for your help please let me know how your daughter is doing my partner is in the same situation as your daughter although the agreement is blanked

have they included details od default charges if you were to miss any payment does the sum add up ? have you received as well a statement of account?

thank you this is waht i though there ia an awfull lot of word application on this so caleed agreement. my response is similar to the document recdeoved by "havingaknightmare", http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/110330-natwest-cca-response-help.html?highlight=Natwest+CCA they have what to be appearing my signature even though i had some doubt plus the one from my partner as a n additiona; cardholder which he didn't even if he did it would have to sign the agreement wouldn't he? thank you again will have a look now

i think so moreover i think Blair and oliver Scott must have an absolute deed of assignment to be able to sue you for a CCJ with out it you can object it have a looktothe thread ( in the sticky) basic consumer legislation i hope this help

ps i forgot ot mention the statement which come s with it as no headrer and footerit is just a really bad copy of a suppose original one. sorry i think it is a signed application form as one part of this so called agrement state ; " during your application you chose the following option : additional card, card protection plan , PPI ( weird i don't remembered applying for one) " thanks.

hi last may i made a CCA request to a DCFA wanted so money from me. however, i haven't received any defautl notice from the original creditor. anyway, today ireceived a reply from the original creditor staing this : "Your request contains some misconception about my entitlement.... in terms of of CCA copy document regulations, the "true" copy requirement can be sastyisfied by providing a copy agreement at the date the card agreemen was made and providing that, plus acopy of the current terms of trhe card agreement met the banks obligations....." however , the CCa i recieved is a copy of an internate application where my nae is mispelled on he same document it appear to have two signature mine and my partner this is odd as the original creditor only pursue me . however the only preswcribed twerem is the APR no mention of the credit limit and the other prescrbed terms. so what shall i do next ?

yes it is an apllication form is not a copy of a CCA.

they are already indefault as the CCA request was made in july . however i contactedd the trading standard which passed ,me onto the OFT ( Consumer direct) they told me they can't do anything however i made a formal complaint to the police for harassment . after the evidence i [put forward to the police they told me that is a deliberate attempt of deception and fraud. so this is where i am standing even when i appraoch my local brabch they told me that the bank statement that i recieved where not conform to the original .

thanks priority for the moment i only received demand for payment by letter as i just changed my phone number so at least i am not being harassed by triton . regarding that i will ignore them the same way they do to me , if they wish to go for a CCj then i will contest it as with no CCA no payment. thy no where i am now that ' s up to them . however if they kep pursuing it what are my oiption regarding "legal redress" ?

today i received the reply from the original creditor from the lettere above that i sent to Triton " ..blah..blah... our position remains as advised in my final respomse sent to you on xx august and on xx august ( THIS LETTEWR WAS ABOUT THAT THEY ACKNOWLDEGE MY CLAIM NOT A FINAL ANSWER) I2007 in which we complied with you request under the CCA. Should you disagree, you may seek whatever legal redress you consider is open to you...blah ...blah.." what shall ido now ? i have no intention as they consoitently denied my claim and letter to stop them form calling, anyway is not a mtter now as i have changed my number . what frustrate me the most is that they think they above the law and by constant threat they will have what they want. however shall i ignore them now or just wai until they next move? o BTw i had sent few days ago a SAR request too as they don't want to tell me the correct amount i owed it is constantly changing. any help will be appreciated thank you

sorry just a cluase in small print doesn't comply with the CCA i think it isnot beaus e they think they put a "price" ON IT THST YOU MUST HAVE RECEIVE IT!!!???? it seems to me an other unfair practice

LOOKS IN THEIR PRINTOUT, THAT A DEFAULT 'PRICE' CAN BE SEEN. NO LETTRS ON ANYTHING ABOUT IT THOUGH. by the CCA 1974 does a default letter should be in writing and contained some prescribed term ? i don't know if you haven't received this default noticwe how the creditor can prove that you recieved this letter ( assuming they don't use a recorded delivery system) ?

ps i forgto to add for triton credit services and/or tirotn credit service limited for severe harassment and some other things which i can't about it now

triton credit services/natwest about the remark on my nationalities my partner name cabott and robinson and co for the usual nonsense and my company is above the law and by so don't ask me a CCA as i don't have one but will go for a CCJ none the less....

thank you will post it tomorow recorded edelivery tomorow ihope that will be the last. everytome i asked then to set up a direct debit or standing order they refuse togive me the detail. I sent them an incoem and expenditure to show that due to low income i can afford whatr they were asking me but instead i can guive them such xx pounds per month they told me tghat can't do anything for me that was by writing and also by phone.so i was sending a token pay,ent everymonth by chequye which they cashed in bu they kept constantlysending me letter saying that payment was missing and so forth xxxx