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  1. Hi I did some work temporary for a company from October - December 2016 Today they have sent a letter saying it has been discovered that I was overpaid on my January pay by £435.70 and they want it repaid as it states in my contract 'if an administrative error has been made on pay, the company reserves the right to recover the overpayment' I asked for a copy of my signed contact showing this. They have sent me what looks like a standard contract template with my name in and wrong start date. I then went back and asked for the actual signed contract with my signature on and dated (which I know they don't have as I never signed a contact) to which they have replied 'We do not hold a signed copy on file for you as we didn't receive one' I asked for payslips too as they were online and I cannot access them as now an ex employee. Payslips show they have underpaid my holidays be 3 days and also missed off 12 hours of overtime... Also if I am to pay this or some of this back where do I stand on tax and ni as I have paid those based on the full payment? Looking for some advice before going back to them Regards Richard
  2. Hi If this is in the wrong section please feel free to move Last week I was looking for a storage container to put my household possessions on when we move. I looked at a container that was too big for us but needing on sharpish I agreed to take one and signed his sheet with my bank details etc. I hadn’t picked up my bank card and had no money on me so they guy gave me a key for the container and I said I would pay the next day via phone. That night we decided it was too big and expensive so I sent the guy a message the next day via text saying I would not be needing the container and will post his key back (this container yard was not always manned, sent key back to main site 20 miles away) He did try calling me that day, and again later that week but I did not return his call Today he has emailed me saying that he wants 1 month container rent that I agreed to pay (£160), if not he will pursue through small claims court My question is, do I have to pay this payment as I have never set foot in the yard or touched the container since I left the yard when he gave me the key? Is there not a cooling off period etc? Any advice will be much appreciated Thanks W
  3. yes according to the letters, I've just come in from work and he has been again another letter through the door
  4. Not been on here for a long time but in need of some advice We have just returned home from a 2 week holiday on thursday to find some letters from rossendale for unpaid council tax, well actually 2 lots. One dated a few days before our holiday and then the others dated 23rd july, letters also include a £75 fee and then a £235 fee if you get a visit. The council tax is from 2 previous properties going back about 2 years when my wifes business hit trouble. Since then we had to close the business and lost a fortune. Not here for a sympathy with a sob story but would like some advice on what to do next. Saturday when we got home there was a letter through the door that a bailiff has been so added a £235 charge! Pretty worried about it as we have never been in this postion before. ive read a few things that say do not ring the company or pay them any money and start to pay the council direct. I rang the council and the girl i spoke to although nice said that the account was no longer with them and i need to contact rossendale. Can anyone hep with what to do next or what letters i need to write and to who? Im not refusing to pay, we are getting back on our feet and paying council tax of £180 a month for the current property so can set up a plan to repay but would much rather pay council direct. Any advice would be very much appreciated.
  5. I moved out a property on 10th june, handed keys back and landlord was supposed to arrange an inspection, after plenty phone calls and being fobbed off, and emails not been returned i had enough. It came to my attention that our deposit was never put into a scheme so i sent them an final email yesterday asking for reuturn of deposit before i commenced legal proceedings. I have just found a email in my juk folder sent/received yesterday from landlord.... It says that he is he is seeking prices for some redecoration work and replacement carpets caused by the pets i had at the property which also breaches the tenancy agreement, and that i should be more patient until he is in a position to present his findings! I had 1 dog at the property which was agreed before we moved in. There is no decoration work needed and the carpets only have marks/stains that were on when we moved in. When i did challenge the carpets when we moved in we were told not to worry as they had been down since the house was built and did have marks and stains! Im pretty annoyed about this as 1) we still not done an inspection with the landlord present, as far as im concerned the marks were already there and there is no redecoration needed other than general wear and tear. I have wrote a 'letter before action' today and also filled in a N208 form which i had intended on sending today in the post. Is it wise for me to email him back and challenge what he is saying? Or just go straight on with the letter before action/N208? Thanks Richard
  6. Hi I know this has probably been asked a thousand times on here but looking for some advice getting my deposit back We rented a house in December 2010 for £850 per month, we paid a deposit of £1700 on the house. The land lord has NEVER placed this money into a deposit protection scheme In February this year we had a spot of money troubles and agreed with the land lord to use ½ our deposit to pay Februarys rent which we did. This now leaves £850 deposit I am due back. This arrangement was never documented anywhere and our 3 tenancy agreements (6 months each) all state they have the £1700 deposit. We agreed to hand keys back on Tuesday 11th June. On Monday 10th June I had an email asking me to drop all keys into the office by 17:00 that day, to which I replied we are handing them back tomorrow as agreed as we still had things to move out. They replied saying that they desperately needed the keys back for the next morning so could we get our stuff out and leave the keys with a neighbour who is a relative of the landlord. Not wanting to cause any unnecessary bother I agreed, moved my last few things and handed keys to the neighbour. We left the house and gardens in a very very clean state, It was cleaner than when we moved in, oven was spotless, floors, gardens etc….and no damage to property. It has now been over 3 weeks and no deposit has been returned and they have not even done an inspection with us present! After sending various emails and getting no reply, I eventually got through to the office manager on the phone. She said she would call the landlord to find out what was going on. She rang me back and said he has had a quick look and all looks ok except for some minor decorating! My contract does not say the property needed decorating and there is no damage, only possible wear and tear you would expect from 18 months in a family home. She said she would arrange a time with LL so I could have an inspection with him. It has now been over a week and still no contact. Im pretty fed up as I want my money back. I have emailed this morning again, outlining my concerns and asked for my deposit to be returned into my bank account within 24 hours before I take further action to seek my money back through the small claims courts I have had a quick look on here and I can see that I ‘may’ be entitled to my rent back PLUS X 3, and all costs etc? Is this right? What is my next move? Looking for some help from you guys Any help would be very much appreciated Cheers all Richard
  7. Hin the bond is in the protected scheme. We did sign the contract but did not email her it due to a scanner issue. I did however take a photo of just the last page that was signed and emailed her that! Can't see that being a problem as it doest have any details of the tenancy or the agreement signed. She wants to send a estate agent round and market the property 3 months before we leave, surely for the lasyt 3 month of my tenancy I shouldn't have to show folk around! The last one maybe. I just want out now and my bond back! Thanks R
  8. Hi we rented a property off a neighbour who emigrated. Basically we did 6 months and then they sent us the contract to renew, we havny signed this and she is asking for it back now. We have had a few proplems with them and their attitude towards renting and basically not knowing what they are doing! I addvised them in an email today that we would not renew in december, she has come back and said ok, I'm comin in september and will bring a estate agent to take photos etc...as I acvtually have not givenm her official written notice can she still do this? And 2 as we are not actually in a contract can I give her 1 months notice now and still be entitled to claim my bond back? The contract we had she wrote herself so probablys isn't woth anything anuway!! Thanks R
  9. Hi it was an overdraft on an account! We totally forgot we had this account, we have not used it in over 4 years, couldnt tell you where the debit cards are or when the last time we had a statement?Its a very strange one as we still bank with abbey and have done for the past 9 years? We have an up to date current account with an overdraft (not in use) and we often go in branch at least one or twice a week. Its very strange that no one has ever mentioned it to us and the only way ive found it is via a credit report. Im pretty keen to have this sorted as its the only thing on our credit report that shows as 'outstanding'Would i have any leg to stand on to try and challange this and have it removed completely once paid?ThanksRichard
  10. Hi I received a experian standard credit check i did for myself and my wife yesterday. I had some past credit issues but thought they were all sorted and satisfied etc..... On this check it showed there was an outstanding default for £2249 to abbey bank (santander) I totally forgot about this and have had no correspondece from the bank at all. Apparently the default was from 23/02/2008 so over 3 years ago. Now obviously i want to get this resolved, so rang abbey ysterday and explained the situation. They told me that they had passed the debt onto some other company so i called them. They tell me they passed the debt back to abbey last march, so rang abbey back. Apprently they have it back. So i asked if i could have a full and final settlement. They said i would have to write in with an offer but as a rule they wouldnt accept anything less than 80%. He then went onto to tell me that if they accepted my offer it would show on my credit report as 'partially satisfied' and no 'satisfied' as i had not paid the 'full' amount. That seems like a load of rubbsh to me? Can anyone clarify this please? Also and advice on what sort of ful and final offer to make? I could afford to pay £1000 now to have it cleared. thanks richard
  11. I Will send them a letter out today explaining the situation.Ive since sold the car on, and im trying to resolve the issue for the new owner since it was me who bought the car in the first place! Ive offered him his money back to return the car but doesnt want to as he likes it, and the price he paid he wouldnt get a replacement car the same.I dont understand it, ive bought plenty of cars at the end of finance agreements and they show that the agreement term has ended, but just takes a little while for the finance company to remove the marker from the HPI.In this case apparently it looks as if the 'term' 48months has ended but the lady must not of being paying her payments, hence why its still on. I asked her straight, is the finance all finished? To which she replied yes and that she now had a new mini as she couldnt afford to pay for 2 cars at once!Ive tried contacting her but she sends all my calls to voicemail, ive sent her a txt saying that if i dont hear from her by 5pm tonight i will be contacting the police and reporting her for fraud/taking money by deception etc....I just dont understand it.......why would someone want to do that! Do they really think they will get away with it?Regarding the CCJ i mentioned earlier, im aware that if the court rule that she owes the money she has 1 month to pay it, and if she doesnt then she will have the CCJ against her name for 6 years.I'll see what happens in the next few days!Winslo
  12. Unfortunately not a mistake, i spoke to the company and there is £1642 outstanding. I asked why the hpi showed the finance as ended, they have said that the TERM has ended but there is still money owing!Ive tried ringin the lady but have had no answer, i will be calling in to see her tonight after i finish up at work.I will give her the opportunity to pay the finance company and if she doesnt i will contact the police, as it is fraud, and also explain that i will be claiming the money back through county court and she will get a CCJ on her name so she cant get credit for 6 years + etc....not to mention what ever the police have to say!Failing that i wil pay the finance off so the car is clear, and then claim the money back through the county courts, as i dont want to be seen to be selling dodgey cars! The guy has been understandning and hopefully will have it resolved in the next few daysAny other advice guys?Thanks
  13. Hi i bought a car a few weeks ago from a relative of a friend. As always i did my checks on the car. I have an account with HPI, but my internet access was down so got a friend at a dealer to run me the hpi check. It came back as clear, although it said there was a finance agreement on the car which had ended the previous month. This is normal, as sometimes takes a while to come off the HPI reports. When i bought the car i confirmed this with the lady, that the agreement had ended, which she told me it had, and had a new 11 plate mini on her driveway!So i sold the car last week and received a phone call last night.This car you sold me has finance on it? To which i replied no it didnt.....The guy then went on to tell me who the company was that there was £1600 outstanding,and that the agreement started on the 1.2.07 for 48 months, which would tie in to the agreement ending around the time i bought the car.....Normally i would be protected by my HPI account, but as my friends garage did the check and they didnt buy the car then im not!Never had this happen to me before........any ideas how to go about it?First thing is to go and see the lady i bought the car from, but then???ThanksRichard
  14. Got a quick question regarding a friends insurance. She bought a car and filled the V5 in with her name and address of her parents house. The insurance has been taken out in her name and the address on the policy is her boyfriends address where she spends 5 nights a week. She has been told off someone that because the address on the V5 is at her parents address any insurance claim would be void as the insurance policy and v5 have different addresses? Can someone confirm if this is correct?
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