I have since spoken to acas who state when on zero hour contract they cannot legally tell you to when you have to work, you don't have to work an alternative weekend or any weekend for that matter, if they did this would no longer be a zero hour contract

on a tues and wed i work from 7am til 11pm with a 2 hour break, and start work at 7am next morning so no 11 hour rest in a 24 hour period i start work at 7am every morning 12 days on the row, I have worked for them for 18 months. dont know what wtd is if i swapped weekends i would work nearly a month without a day off,

I have worked as a community care worker on a zero hour contract for over a year, I work an average 57 hour week which involves working 12 days consecutively and every other weekend off. I have requested a weekend off by giving my employers over 6 weeks notice and using my holiday entitlement. I have been refused this request and told I can only take this off if I work the weekend before or after that time, they have offered me two days off in the week if required. Basically they are telling me that I can never book off a weekend unless I'm prepared to work an alternative weekend. I feel this is very unfair and that they're dictating when I can take my days off, I don't take days off in the week so feel it is unfair to ask me to swap a weekend for two week days off. are they legally allowed to make these demands.

BG took final readings, I will have some or all of the bills I usually keep everything I will look later when back from work thanks

Thank you dx for your help and oleg too

All after 2007 yes Mint cc Tesco personal loan Tesco cc Gas Elec Water

I set up required amount as per BG as DD but couldn't keep to it due ti unsufficient funds, I thought good idea they suggested payg meter as it meant I could pay it back slowly and couldn't get in any more debt with them, I thought until now that is!

Some are with the original companies, some are up to 3 years old, I've just completed a form on national debt line and they advise I consider going bankrupt or offer a non or £1 month payment to each nn priority debt

DD failed due to insufficient funds

I have outstanding debts of approx £18k with different companies including a tesco personal loan, mint credit card and tesco credit card, I initially set up a payment plan with each of the companies but I am struggling to pay those amounts although I have kept up the payments it leaves me with hardly any money after paying gas, elec, council tax etc on top of the payments, can I consolidate or have some of the debts written off or set up new offers of payments, thanks

Not yet I'm just after some advice on my rights whether they can do this please

I have a BG pay as you go meter, I first agreed to have it installed as BG said my Direct debits kept been rejected and my bill was escalating, I was told that my bill was £2357.00 . When the Meter was installed the outstanding bill on the screen said £2357.00 which was to be paid back at £6 per week, this all seemed a good way to pay back my debt at a rate I could afford to my shock 4 months later my outstanding bill had gone up to £4200.00, I phoned BG three times to get this amended and each time I was told it was an error and would be corrected. I have just spoken to BG again who now say it's because they didn't take into account my rejected Direct debits at the time, surely I can't be told 3 times it was an error to be told they realised 4 months after the meter was fitted that they had to add more on which they did without even informing me.

I have been on a zero hour contract with a care company for the last 15 months, I am entitled to 28 days paid holiday. If I work Christmas Day, Boxing Day or New Year's Day I get double pay, but if I want any of those days off I'm not allowed to use my holiday I just don't get paid!! Also I don't get any enhanced pay for working any other bank holiday, can they do this??

Thanks for your replies

I agree I should have informed them, but the letter I received from the court today was dated 2 days ago and they said I was sent a letter prior to this one so still don't understand why collection company don't have any details yet as this is at least a week ago it was supposedly passed to them

No which I know I should have but all up to date except for £25 outstanding, really confused as to how I can incur £85 charge from collection company who don't have any details on me

I received a court fine for £255.00 as DVLA said when I sold a vehicle I didn't send the log book off. I did send it off but they never received it, I then obtained a duplicate log book and sent it off registered post, which they did receive. After going to court and explaining the above I was still issued a £255.00 fine. The fine was to be paid at £10 a week, some weeks it was difficult to pay the fine and did have arrears but recently the balance was down to £55.00, I paid £30 leaving only £25 outstanding. Today I received a letter to say the court wouldn't be accepting any more money from me as the case had been passed to a collection agency and I have now incurred £85 charges from them too, they insisted I had been sent a letter explaining this to me from the court. I explained I had never had any such correspondence and just wanted to pay the outstanding balance, court told me that I would now have to deal with the collection agency. I phoned the collection agency straight away and the don't even have any of my details so asked me to wait a few days until it appeared on their system. I want to know if court passed it to them recently and I had been sent a letter informing me of this (which I haven't) why don't the collection agency know anything about it and why have I incurred £85 charge from them for not knowing who I am? Any help on this would be appreciated as it seems companies can charge you willy nilly

Thank you Slick, some good advice there. Yes luckily I took photos of which I sent to tesco cc along with the letters I had sent the company involved, I will send it all again maybe recorded delivery and ask them to reply within a time frame. I will keep you informed, but don't hold your breath Thanks again

Unfortunately I know the debts are mine, I will Deffo look into the ppi though, thank you dx and citizen

Thanks for that, I know that it's been over 12 months now but I got in touch with the company straight away several times, to which I had no joy with them.

In January 2012 I purchased a gazebo for £329.00 on my tesco credit card, after a short period of time it became apparent that this product was not fit for purpose, I both telephoned and wrote to the company asking for a refund, their response was basically just blaming me for misuse. I really should have written to tesco straight away but in January this year I wrote to tesco credit card with copies of my correspondence and he details of the company, asking for a refund on my credit card I still have not heard back from tesco and I'm now worried because the item is over 12 months old I won't be able to get a refund now, although I did write to them within the 12 months. I thought when purchasing with a crit card you had some kind of protection with faulty products, not sure what to do next. Thanks

All details were taken from via via the telephone not in writing, can I refuse to deal with these third parties? Cra file?. I haven't paid ppi but I will check out how to reclaim penalty charges, do I have to give these companies my financial details before they can set up a payment plan? thanks

A tesco loan I have has been passed on to moorcroft, who insisted on income/outgoings before they would set up a plan with me which has now been agreed as i supplied them with this information, but there are several companies asking for income/outgoings details before they set up payment plans ie barclaycard

I have debt which in some cases has been passed to a third party to collect the debt on behalf of the company which I owe it to. Is there any disadvantage to dealing with a third party or should I insist on only dealing with the company which I owe the debt to. Also I have set up some payment plans with some of the companies but they always say that I have to give them details of my income/outgoings before they can set up payment plan, is this legal? Finally my last query is when I have set up an arrangement with a third party should I still receive phone calls/texts from the original company, when I query this with the original company they say ignore it because its just generic. Thanks for any advice