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About Kholoshian

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  1. Exactly, 'leaving' suggests choice. I had no choice.
  2. It's the actual company...no DC involved as yet.
  3. Hi Manxman, Thanks for your reply. I'll be honest I'm not sure if it's voidable or unenforceable or what term is appropriate. In my case, my employee loan was enforceable whilst i remained in the employ of the company and it was serviced by way of salary deduction - quite standard. However, as the enforced redundancy removed my ability to service the loan by way of the agreed method (salary deductions) and there were no terms in the agreement to say what would happen should the company make me redundant - I take that to mean it would no longer be enforceable.
  4. Hi DX, Many thanks for looking this one out for me. I've read through it and I'm in a different situation by my way of thinking. I'm aware of companies recouping such things as training losses when a employee 'chooses' to leave before a stipulated period and I can understand this. But my situation was pressed upon me by way of enforced redundancy. Would it perhaps help if I posted the only 'agreement' I am in possession of..ie a letter. There were no clauses in my employment contract to explain what would be expected should redundancy be applied. In point of fact I
  5. Hi all, I had an employee loan from my employer that was set to run for 3 years. I was made redundant in Sept 2020 and after the consultancy period, the company said that whatever redundancy pay i would receive would have to be used to repay the balance of a loan the company had provided. I had paid more than half of the loan (via monthly salary deduction). I refused saying my redundancy and the loan were separate matters. The company conceded and paid my redundancy. They have now written to me to say I have to repay the balance in full. I have no contract (only a
  6. Hi, Can anyone enlighten me as to the correct way to calculate PPI redress for a credit card? I complained after the calculation they sent was wrong - so i complained, only to be told there'll be no revised offer. I've now had a letter from RBS stating that they only pay stat int (8% & 15% pre April 1993) on accounts where the balance is positive after PPI payments are refunded. So, simply put (and this is just an example), 12 months of £10 PPI payments, refunded (-£120) against a balance of say £240 would leave the account with an outstanding balance of £
  7. Hi Dx, I know you are v busy but could you give advice on how proceed (or not). Thanks
  8. An OD? Do you mean an overdraft? It wasn't an overdraft it was a credit card. The percentage is an average of the APR over the months where charges were levied.
  9. Had a call Saturday morning from an 'Adviser' at Lloyds asking my wife to call regarding her complaint. My wife called them simple to say that she wont be discussing anything over the phone and instructing Lloyds that she required everything in writing. The 'adviser', who my wife described as slick as an oil spillage, said of course he would write and that he was sure that when she received the letter, should she have any queries about its content he would be happy to speak to her on the phone. That clearly sounds like they expect the letter to be the end of the matter.
  10. Morning all, Another aspect of our ongoing saga with Lloyds TSB. Having been through 29 years worth of statements whilst on the PPI trail, the following list of creditcard charges also caught my eye. I've uploaded a CISheet with the charges listed, the date of each and i've calculated the average APR across the period. Question: What are the chances of success here? I know the charges over £12 were deemed unfair but is this way too far back? Question: Should I go for the full amount or just the balance over £12 (there seems to be differing o
  11. I think you're 100% on the money DX - i've gleaned an enormous amount of help and info from this forum and the brilliant people on here - yourself included. Our claim is pretty big and i've tried to make sure we've covered everything down to the fine details. Lloyds are now trying the slippery route. In writing only going forward - thanks for the advice.
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