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Mrs_Mop

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  1. Hello, At the beginning of the month I was happily munching my way through a tasty packet of crisps when I bit into a small stone. I emailed the manufacturer the same day with photographs. No reply; not even an acknowledgement. I forwarded the email to the shop and, after chasing them, they asked for more details, which I provided. They passed them on to the manufacturer, who asked me to send them the stone. I've refused but have contacted the food safety team at the council in which the crisp manufacturer is based. I made an appointment with the dentist the day after it happened and have chipped a tooth and cracked another one. The dentist offered to file the chipped tooth and said that I may have some problems with the cracked one in the future. I went back last week as my teeth became sensitive and the dentist covered the chip with sealant and x-rayed the cracked tooth. The dentist has been great and not charged me for the two appointments or treatment. I've taken time off work (and have worked through lunches to make up the time). I don't want compensation, just for any related dental treatment to be reimbursed. The shop has sent me a £5 goodwill voucher. (It's quite insulting and I really wish they hadn't bothered. I'm very tempted to hand it in at the shop and ask the manager to sign for it!) Is there any way I can cover myself for any future dental work related to the injury? Many thanks, Mrs M.
  2. Thank you both again. I think you know the DCAs too - the first one was The Corporate Consortium followed by Capitol Commercial Collections. I thought they worked on a no result no fee basis so there wouldn't have been DCA costs and court costs. My former employer won't be aware of all the extra hours I did, only one of the five line managers I had during my five years there knew as she was copied in on some of the late night emails I was sending. (The number of line managers is down to the redundancies and restructures the company regularly goes through.) Shortly before I resigned, the one who didn't know how to send external post asked me why I was the only person in the team who completed all their tasks for the day - as well as all the other ad hoc work that came in.
  3. Thank you both. I feel so out of my depth. I can't see statutory demand anywhere on the letter. It has "final demand prior to the issue of legal proceedings" at the top. In a box underneath it, they claim that their client has instructed them to issue a final demand requesting payment and that it provides me with a last opportunity to contact them or pay prior to the commencement of legal proceedings for the recovery of the debt. They won't issue any further letters and that their client can progress with legal action without any further notice prior to the issuing of proceedings. Fees will be added, CCJ will affect credit, etc. At the bottom it says "to avoid the additional expense of a summons and consequences of legal action you are required to make payment within 21 days of this demand ...". The date is last Tuesday and the letter arrived today. Is passing a case to a DCA part of the process before going to court? Or is it likely that if my former employer wanted to go down this route then they would have done so earlier?
  4. Hello, I left my last job nearly three years ago. I have chronic health problems and the long hours I was working were making things worse (I did around 10 hours a day - it was not unknown for my to be sending emails at midight on a Friday night, and any overtime was unpaid). When I left, I had to chase my former line manager several times for final payslips and my P45, which arrived a couple of months after I had left. Apparently he didn't know how to put them in the external post. Several months after I left, I received a letter to transfer my pension to a new provider - I had been in the previous scheme for less than a year - and put the letter aside, intending on filling it in. I was still battling with health problems and it several months later and after a change of medication that I started to feel better. (Health problems can be evidenced with blood test results and hospital letters.) A year later, I found the form and contacted both my former employer and pension provider to ask whether it was too late to transfer. After a bit of messing about and being given conflicting information, I was eventually told that it was too late and that a refund of my contributions had been made. I hadn't received any refund and it was then, nearly two years after leaving the employer, that I was told that I had been overpaid and they were demanding over £1000. I wasn't aware that I had been overpaid and received all monies in good faith, so this came as a huge shock. I asked for a breakdown and was given a convoluted spreadsheet. I've asked two people, one of whom works in payroll, to check the figures and they're also confused and suspect there are errors in the calculations. I asked for a further explanation but my former employer continued to send the same information and used phrases such as "you must pay". It was suggested that I claim estoppel, which I did earlier this year. My former employer then passed the case on to a debt collector who then tried to pick holes in how I couldn't have known that I was overpaid. They then passed the case on to what appears to be a sister company (same address, a couple of the directors are the same) and I have received my second demanding letter from them. This one gives me 21 days to pay the amount plus an admin fee, which seems to have reduced from £45 to £25 and says "our Client can progress with legal action without any further notice ...". I'm finding the situation quite stressful. Any advice would be gratefully appreciated.
  5. Thanks BankFodder. I'm still slightly confused by estoppel and how it applies here. Although my former employer stops short at admitting they have made a mistake, the first letter did say "you have been overpaid". If estoppel applied, wouldn't this prevent any claim of overpayment? I really don't think I would be able to cope with being sued. The stress of the threats of the first letter last year resulted in me collapsing whilst crossing a busy road - thankfully the cars stopped. I should have gone to the hospital but just wanted to get home. Once this is resolved one way or another, I'm happy to name and shame. It may surprise / disappoint ... or maybe not. Thanks again for replying.
  6. Hello, Nearly two years after I left my last employer I received a demand for over £1000 because of an alleged overpayment. From the very first letter I have been threatened with debt collectors and phrases like "you must pay" have been used in emails. I was unaware that I had been overpaid, having chased my former line manager on numerous occasions for both my final payslip and my P45 and eventually contacted the HR director. I was happy that they had finally arrived and I was able to hand in my P45 to my new employer. I have asked for a breakdown of the calculations but have been sent a spreadsheet with a number of worksheets and complex formulae, and some screen prints of their computer system. I have no experience in payroll so can't verify that their calculations are correct. I have repeatedly asked for a comprehensive explanation (in simple terms) of their calculations. I have also asked for an explanation on how their error - although they won't admit they they made one and assuming that they have - came about. I haven't had a satisfactory explanation about that either. I also suffer from a chronic physical illness and was diagnosed with it during my employment there. The stress of this is making me ill. At hospital appointments over the last year, various medical staff have told me in no uncertain terms that I have to keep stress levels down. I have made it clear to the organisation that I would like a prompt resolution and that they are affecting my health. Their reply was another email with no explanation and further threats to pass to a debt collection agency if I don't reply within a week. Previous emails have given me a fortnight. Is there somewhere I can take this to for further advice? Many thanks in advance for any advice.
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