hi all,an update to yesterdays first post...i arrived at work today and met with the HR lady who informed me that i did not have a valid contract and my employment with the firm ended last friday. she also said there was no position for me, i said this was not my belief. i was asked to leave the building and did so. i then telephoned the partner of the firm who employed me originally, i stated i had met with HR and went through the above. The partner told me that as she had been away on holiday she was not familiar with recent events and would speak with the HR rep and have them send me an email.so i an no clearer as to my position, i would be very grateful if anyone had any advice or questions for me as i really dont know where i stand or what to do next?Best Wishesdownrobway

hi all,1st employment post, hhope someone can help.in apr 07 i got a job as a call advisor in a law firm's accident claims dept, after 3 months i passed my probation and was confirmed a permenant position.in apr 08 i transferred to the firms conveyancing dept (in a sepearte building)as i wanted to get into a new area of law and was going nowhere in the previous role, i took the reception role and helped a small team with some admin/sec duties in order to learn some basics before potentially moving upwards and studying, well that was the idea. last friday i was made redundant with 4 others, i was not impressed the way it was all handled, certain favourites of course kept thier jobs and it was all very underhanded, he actually told us in the meeting not to go HR with queries and to direct to himself and office manager! until i interviened HR were completley left out of it. anyway, my issue is that when i got the new position i was not given a new contract or job description and so technically, am i not still employed as a "call advisor" in the previous role?i initially accepted it but came accross this yesterday having read my old contract, so i sent an email to the firms HR dept stating i have a valid contract and that i would be returning to my previous role on monday morning, this afternoon i got this reply from the partner i used to work for in the claims dept:I am unaware of the background to this matter and what has happened in the last week with any discussions as I have been on annual leave and you of course have been working in the conveyancing department for the last number of months. I therefore am unaware of any of your discussions with HR over the last week. I suggest tomorrow morning rather than coming direct to the contact centre that there is an initial meeting with HR to discuss these issues further. I myself am also in the High Street office from early in the morning so will be available for any discussion. Best wishesdoes anyone have any advice?must i attend this suggested meeting?what can or cant i say in there?i dont want to be railroaded by the firms best solicitors and would like to get my old job back?thanks in advance downrobway

thanks PriorityOne, will get that off R/C on Mon have a good weekend! cheers DownEm

ok thanks, will respond with something appropriate thanks again DownEm

HI Everyone, Quick update on our pals at Quays Reach in case anyone experiencing similar issues with them? A few months ago they sent (unrequested) a very ropey looking photocopy of my initial credit card application form for sharkleycard from 2002, it is my belief this was sent to put me off asking for a copy of my CCA. It was sent in a hand writen envelope 2nd class (natually), there was an undated comp slip attached saying "please find enclosed a copy of your signed agreement" i have since requested a copy of my CCA and they have re-sent (albeit after the 12 days) the above, does anyone know if the above is enough for Rob way to pursue the debt? thanks DownEm

Hi PriorityOne, Could I ask your advice, i wrote to rob way asking for CCA on 20aug07, they acknowleged the request on 31aug07. then on 24sep07 they wrote telling me it was to passed to thier sols due to non payment so i complained to trading standards. then on 30oct07 i recieved from rob way a copy of my original credit card application to xxxxxbank from 2002. as i had applied for the card by post originally i am not sure there actually is a CCA and am wondering if what they have sent is enough for them to prove the debt exists? they have since sent an appology letter (for passing to sols i think) giving me 2 weeks to respond to what they have provided. Can you tell me what the CCA should look like? they have also reffered to it as "my signed agreement" not Consumer Credit Agreement , from thier appology letter they seem to be pretty confident in being able to prove the debt exists? i would like to write back saying that what they have sent is not a "CCA" but not sure if i should? please help? thanks DownEm

hi there, any chance someone could pm these please? would be very grateful! thankx DownEm

hi everyone, here are the latest developments: as above made a complaint about "local representatives" having called at my home whilst acc was on hold to trading standards, oft, local council & fso , oft have written to me asking for my permision to forward my complaint/personal details to rwc so they can begin licensing action against them, they will only take action if i agree. has anyone else rec'd a similar request from oft? the more complaints they recieve the better the chances of having thier licence revoked! they state "it is unlikley that a licence would be revoked on the strenght of one complaint." but they also state "where we have strong evidence that unfair business practices have occured, we may take steps to revoke or refuse the licence of the business in question" "however if we are to do this we need to take into account factors such as the number of complaints recieved, how recent they are and how well evidenced." if anyone has any documented evidence, please forward a complaint to oft ! Kind Regards, DownEm

p.s. make your repayments regardless, you must show you are happy to pay the debt, but you have issues you want addressed as well.

Hi mimi1979, am disgusted by bailiff on this one, but this proves never, ever speak to these organisations on the phone,however tempting - everything in writing and keep everything you send and recieve. do you have a copy of the letter you sent asking for more time to pay? have you paid anything yet or agreed installemnts, if so is it in writing? You need to cover all bases on this one to stop it getting any worse and to potentially have the fine reduced back to the original £90. complaint Letter to office of fair trading and financial ombudsman - : anyway you need to write a letter of complain expressing your dissapointment in the way your case has been dealt with by the bailiffs/debt company concerned. You need to make it as detailed as possible, include: dates times whom you spoke to - if you remember what was said and then agreed attach a copy of your letter asking for more time to pay - if you still have once this letter is written, write another, this one to the bailiffs : Repayment Letter-: Tricky, the bailiffs will want payment nonetheless, write a letter to bailiffs with a budget of what you can genuinley afford each month, important you attach a copy of your payslip for thier reference and state your outgoings. At the end of the offer state that you require written assurance that no interest or charges will be added to the balance. In this letter advise you are making an official complaint about the whole episode and send a copy of your complaint letter with this repayment letter. will leave some addresses below, make sure each address is writen at the bottom of each letter: 1.Send a copy of both letters to the bailiffs by rec delivery, keep the reciept so you can prove it was signed for and recieved. 2.Send both letters to the following: c.c. Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR c.c. Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London EC4Y 8JX c.c. your local Trading Standards Dept - google trading standards in your town/city You might get a letter saying you need to 1st lodge your complaint with the bailiffs ect, but at least the complaint has been started and eventually will be investigated, you might have to resubmit the complaint a few in a few weeks time. Keep copies of all letters you send and recieve so you can further the complaint if nothing is done to resolve. I am not an solicitor and this is only my personal advice. any probs just ask Edd

offer them 10% "as a gesture of goodwill only, and in full and final settlement of the account"

hi stitchedup, the 50% off £6k is a nonsense offer, I am expecting to agree a F&F S of £300 for a debt of £1600 (subject to CCA) which is significantly less than 50% I am having problems with rwc/sharkleycard over the bank charges issue also, rwc will get nothing from me until i am refunded the charges or they are removed from the total rwc balance. Due to this dispute and thier; shall we say forceful approach to thier work, they have been reported to Trading Standards, financial services authority, office of fair trading and financial ombudsman - I plan to see my MP end of the month my thread is: Eddownrobway07 vs Robinson Way & Co if your interested Kind Regards DownEm

class, pure class ! like the Ref !

hi detectall, I would go 1 step at a time, they have to send you the CCA within 12days, see what happens, if they don't send it and continue to to attempt to collect the debt after 1 month; you can report them to Trading Standards. This is my understanding anyway and a look through some of threads here should confirm it-Stay in the Debt collecter section. Do you have copies of the offers you sent, I am surprised they did not accept any of them? at any rate if you really can only afford £25 pm, then the court ought to agree to that. Regards removing CCJ's , not a clue, have not got that far yet!

ditto ?