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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. OK DX will give that a go Its a bit messy...there was alot to cover. Anyway, thats all I have. 1620939027446.pdf
  4. 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. I'm not saying i'm right - but it seems inequitable that they can now say 'pay the balance' after putting me in a situation where i couldn't pay. I'll dig out the pdf copy of the letter that was sent to me. If I can't edit the pdf and blank out the identifying stuff, I'll just post the body of the text. Many thanks for your time in looking at this.
  5. 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 didn't even have an employment contract until 3 years into the role (don't ask!). from a contractual aspect the employer really has nothing in the way of terms to rely on. I guess I'm going to just have to wait and see but I generally like to act first and not leave things to chance. Hence the fact finding on this excellent resource forum. Any other advice from you as a seasoned campaigner on my next best move? It would be much appreciated.
  6. 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 letter) with regards to the loan and my understanding is that as they (by making me redundant) had removed my ability to service the loan and therefore voided the agreement. I had no choice in the matter. Can anyone shed any light on the legal standing as I can't find anything specific. Many thanks M
  7. 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 £120. RBS say that the account has to go into credit before statutory interest is paid. I thought, and i may be completely wrong, that the statutory interest awarded was as recompense for being 'deprived' of those funds over time, irrespective of what the balance of the account might be at the time. Someone set me straight please as i'm not sure I have the fight in me to go back to RBS AGAIN and argue if I don't have the absolute truth of it. The 4 page letter they've sent to explain is enough to finish me off after waiting the best part of 5 months for a decision. Many thanks
  8. Hi Dx, I know you are v busy but could you give advice on how proceed (or not). Thanks
  9. 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.
  10. 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.
  11. Hi DX - yes it is still active Does it make much difference?
  12. 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 opinions), although I'd assume if a charge was unfair it would be unfair in toto? Question: If the numbers are right it takes me over £10k for the SC track limit - which i guess is going to get expensive and does not limit exposure to costs? Your sage guidance is, as always, much appreciated. Thanks all. Mike CISheet v101-LloydsCAGUpload.xls
  13. 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. MY wife has rung them and told them she won't be discussing anything over the phone. She commented on the fact that the person didn't seem to like a normal customer services advisor. Specialist case handlers???
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