Jump to content

ceedy

Registered Users

Change your profile picture
  • Posts

    37
  • Joined

  • Last visited

Posts posted by ceedy

  1. This is regarding a Car sale , but the [problem] could apply ot anything. ( whats wrong with the word Sc@m ?? )

     

    My Dad is 87 and a bit out of his dept when thing gets outside the simple Ebay type see /pay .buy /get delivered senario.

     

    He paid 3k to a Apparently legit Escrow comany ,based on an advert on Ebay , the advert got pulled the instant he asked about it and then went via thier messaging system .

    But it seems now he's been had , as part of a larger [problem] involving a number of websites , hacked and giving glowing referencesto this fake company .

     

    Actually on investigating its not just one fake site there are dozens all doing the same thing.

     

    see here ... his is the top one ... Revenna

     

    It does fall under the " if it too good " it probably is ..

     

    He did a bank transfer fro Santander to Trustees saving bank for £3000..

     

    Just doing an action fraud Report .

     

    But is there anything that can be done to try and get the money back !

     

    Our first contact was with Santanders fraud dept who have said, no chance

    as he did it willingly , hard luck!!

     

    cheers for reading this

     

    Chris

  2. My Single parent daughter (now with 2 boys) was made redundant a couple of weeks after she returned from maternity ( another thread on here:evil:).

     

    Since then she has been chasing all the gov /council departments for here benefits/credits etc , there has been a ridiculous amount of delays/backlogs in getting this resolved and its still on going.

     

    So My question is : .. during this time she has spent her meager redundancy pay and some family borrowing just keeping the council house and associated payments going,

    Should she not have her benefits backdated to the time of her original claims,( which is the 4th Feb this year), to get all or some of this money back ? .

     

    take care all ..

     

    Chris.

  3. Daughter has finally received some payment in the post .

     

    Nice lack of detail in the attached letter.

     

    It would seem that she has been taxed on her PILON.

    Which I believe to be wrong, as there is no mention of PILON in her contact of employment.

    And from what I can see this means this type of payment is then classed as compensation and therefore not a taxable amount .

     

    Am I correct here ? bearing in mind the para below !!

     

    C.

     

    PS the only para in a similar view in the contract is :

    "If in the opinion of the company it is considered appropriate, the comapny reserves the right at any time after notice of termination has been given, to lawfully terminate your employment with immediate effect, by paying to you an amount equal to your basic salary and accrued holiday pay for the then unexpired period of your notice ".

  4. From scurrying around the web , it does seem that Pilon and or Holiday pay is a very rather grey subject ?..

    Any opinons seem varied ?

     

    Even Gov's Business Link site tells employers to pay for holiday accrued to the end of the notice period whether it is worked or not?

     

    Also in the 1st letter ( 16th Jan ) , the invite to a consultation meeting , there is a statement ..

    to discuss

     

    "The amount of redundancy pay you would receive and any other relevant payments/deductions if relevant ( please note that for the purpose of calculations the date of the 2nd January 2013 will be used, this date is subject to change) ".

     

    Any clue what this bit means ?

    Not mentioning a date in an attempt to backdate the redundancy ?

     

    C.

  5. Well there was a meeting today,

     

    And the the company are "restructuring " :roll:.. both at head office in London and down in this satelite dept in Dorset.

    20 or So in London at risk and 4 down here .

    So here 3 jobs are disappearing and being lobbed in together under a new title.

    And this job is up for grabs and Daughter has been asked to apply for it , as she is the most qualified .

     

    At the other end of the scale .. the redundancy package offer is ..

     

    5 yrs X 1 weeks wages Per .. standard stuff.

     

    an Ex gratia ? payment equiv to about 5 weeks salary

     

    Plus 5 weeks salary in lieu of Notice .

     

    Not sure what this ex gratia is ?? , but Holiday pay ( a full years @ 30 Days ) is not mentioned any where.

    ( This could be another 5 weeks or so of salary) ?

     

    C..

  6. Agreed - and there should be a consultation first - she should be notified of being 'at risk' in the first instance, and given a consultation period in which to explore any alternatives to redundancy - unless the whole entity is closing down.

     

    Actually the person who notifed yesterday said quite definitively " your job is now redundant"., and now there's the consultation ? ...

     

    Does sound about par for the course at this place :wink:..

     

    C.

  7. Thanks for the reply ,

     

    Typically .. just after posting this , an Email came through, with attached letter.

     

    Which give time for a meeting tomorrow (friday) , with HR and MD, to discuss ,

     

    1. the selection of the current role for redundancy

    2. Chances of re-deployment

    3 The amounts of R-Pay to be offered and any other payments

     

    Will see what is going on then ! .

     

    C.

  8. Hi all,

    Writing this for my daughter actually..

    Yesterday , completely out of the blue , my daugther and 3 others were called to a meeting and told of their position ( in my daughters case, an assistant Editor) was to be made redundant.:-x

    She has been in this post for the last 5 years.

    She was told that she could apply for voluntary, but this offer, with no details whatsoever is only available for about 24 hours or so . ??

     

    So far there is no indication of any written notice appearing .

     

    The actual current editorial work is still on going and is most definitely going to to be passed to another "safe" employee" .

    The contract of employment aligns basically with the legal minimums . for 5 yrs 5 X weeks salary.

     

    It also has a clause stating my daughter is NOT allowed to be employed in a similar capacity with any publishing company for a minimum of 6 months ?.

    Is this enforceable ?? or legal ?

     

    Any redployment looks unlikely as the local workforace is very smaill in number and the only cummute option is 120 miles by train..so with 2 kiddies not an option.

     

    My daughter has only recently returned to work from maternity leave ( she is a single parent) and during that time, the HR dept made a total hashup of the p-leave and accused my daughter of not apply for it .( this after 8mths !) . But having kept copies and emails we were able to show the HR manger was lying about the situation and she had to eventually back down. Because of this , we have a suspicion this is slightly more than a business decision , rather more personal ! well one would wouldn't one :-D.

    I know this is a long story .. but Any advice peeps ??

     

    thanks in advance..

     

    Chris

  9. Maybe its age thing ??

    I just don't take any S**T from anyone these days :wink:

    I get MAD and then get even !! :-)

    plus

    I just don't like ANYONE being treated unfairly , probably why I frequent this forum :wink:

     

    But when its family... it becomes very personal .. and the opposition better look out!! :wink:..

     

    Plus being a part timer , workwise now , I've got the time :wink:.

     

    phew better go and sit down !!

     

    Chris

  10. She has been getting a stressed about the whole situation , esp as not being at work you just don't know whats going on !!

    And its only about 4 years since she had to go bankrupt, due to debts left by her previous partner.

    and she has been gettong on very well managing her finances up til now !! ..

    All not been helped by her phone line being down for the last week

     

    C.

  11. Well,

    Things have moved on a fair bit since, my last post.

     

    My daughter went to visit her line manager at work yesterday.

    NB Her line manager has been very supportive and has been furious about the whole situation .Especially as she was told by HR to keep out of it as “it’s a personal matter”.

     

    My daughter took a small “crib sheet” I compiled for her,

    I wanted to accompany here but decide for this visit to stay at home.

     

    NB the HR Dept is over 100miles away in London so a face to face meeting is not practical.

     

    Whilst at work my daughter spoke to the HR manager again, Who Just still wanted to change the subject whenever the Admin error was mentioned and every time my daughter wanted to negotiate a lower amount all she got was “I can’t make that decision”.

    Yet as far as we know she came up with the payment plan.

     

    During this my daughter intimated she was not happy about all this and was going to raise a grievance.

     

    After this HR telecom finished my daughters line manager decide to change direction and she telephoned one of the owners of the company, (also a female). To explain what’s been going on.

    And as far as I've been told the owner " Blew her top" amd She said “leave it with me?”

     

    NB this Owner of the company was also one of the instigators of the company’s “investor’s in people”.

     

    Well within an hour both the line manager and my daughter got an Email.

     

    My daughter got an apology from the owner of the way its all been handled.

     

    She now will not have to repay anything until she goes back to work.

     

    And a report on the whole sorry affair is being compiled for the owner

    and in the owners words , "the last thing a new mum needs to do whilst looking after a new baby is to check up on whether her company is doing its job properly !"

     

    We will see where this all goes later.

    the greivance is presently on hold .

     

    ------ Next instalment soon. LOL.

  12. May i ask by what authority are they witholding the SMP

     

    DID THEY GIVE ANY OFFICIAL NOTICE IN WRITING THAT THEY WOULD BE WITHOLDING THIS PAY

     

    being on maternity leave, the employer is on dangerous ground being that is a protected characteristic

     

     

    the only notification of this witholding of SMP was in the letter mentioned in my first speel, that was laying out the very high payment plan they had come up with. .

    A very Basic precis of the letter is " you are at fault for not noticing the overpayments, we want you to pay it back according to this payment plan ,and we are witholding your June SMP until this is resolved ."

     

    As she is close to the minimum wage at her normal rates, SMP is a lot lower and they want to take out an extra 200 a month from this SMP !! .

     

    C.

     

     

    C.

  13. thanks for the reply,

     

    She does intend to return to work after this, before the SMP ends.

     

    she worried that if she sticks up for herself she will be seen as a problem employee and get stuck on the next trimming down list !!

     

    I've seen all about Estoppel, but really that's a last resort.

     

    I've calc'd that she would be below the minimum wage after a 200 monthly deduction .

     

    Its just their whole attitude to the affair, I'm actually slightly suspicious that HR are trying to bully her into paying it off quick so they can hide the cock up .

    Almost sure the HR error hasn't been very public within the company .

     

    It hard when she's not at work and having to deal with it all 3rd hand

    and

    her hitman ( me) LOL can't get too involved .

     

    C.

     

     

     

     

    ..

  14. Hello,

    I am looking for some advice on a situation that my daughter has found her in recently.

    She went on maternity leave at the end of Jan 2012 and is still continuing this still.

    She recently had contact from her Companies New HR manager saying they had no knowledge of this Maternity leave.

    So the company have been paying her full salary instead of the reduced maternity amount for 3mnths, also and in lieu of 1 month of SMP.

    As she was on supposed about 90% salary for the 1st 3 months (but got 100%) and now is on SMP which is about 50% salary.

    The amount owed to date totals about £1200.

    Now of course the company want to recover this.

    And my daughter is happy to, but not at the amounts the company want as it would cause her considerable financial hardship

    This whole situation is now exacerbated by my daughters ex partner losing his job recently and now not being in any position to pay any maintenance

    She realises she should have been more aware but during the 1st 4 months of my new grandson’s life, she has been fully occupied by him and just not noticed the 10% overpayment.

    NB she has copies of emails from the previous HR manager thanking her and confirming receipt of all the necessary documentation of this that was sent in at the correct time. All these docs & emails have been resent to HR along with the confirmation email evidence.

    There was a change of HR Managers with a gap of 1 month with no manager around the time of the start of the maternity leave.

    Yet HR still insists they have done nothing wrong!?

    The whole situation is also known by my daughter’s line manager. Who was helping sort this all out?

    NB As the line manger is being very supportive , HR are now trying to keep her out of the loop, by staying its all a personal matter and they can't discuss it with her .

    She want to pay it back but the the company is presently insisting on a payment plan of either a lump sum, or £200 per month , off of her current 50% salary. (This equates to about 300 per month income + child and working tax credits.)

    £300 won’t even pay for her Council housing!

    She has offered to pay back a lesser mount and we are awaiting a reply.

    The whole situation has not been very amicable as the new HR manager has strenuously denied that HR has done anything wrong and has always accused my daughter of being at totally at fault, by not noticing the increased amount.

    HR seems to not care about looking after a new born and the fact my daughter does not drive

    Hope this all makes sense ? .

    Any advice here would be greatly appreciated.

  15. Hi to all ,

     

    Its been quiet for some time, since the court case got dropped.

    Seen off a couple of similar attacks from debt recovery .solicitors

     

    But now back with a question.

     

    The IVA has recently been adjusted for a changes in Income..

     

    My daughter has a new boyfriend ( one we all get on with !!!)

    So .

     

    Q.. If he was to move in ?? what happens to all the IVA/ finances.

     

    She will lose the 25% single parent council tax allowance and the tax credits will go down again. so this how will this affect the IVA if its still going on .

     

    Would the new partner be expected to contibute to the IVA.. ??

     

    Any other aspects I'm not aware of , any help here please ..

     

    take care all

     

     

    C.

  16. Update..

     

    Another gang of shysters have crawled out !!

     

    Just had a letter from a Debt recovery agency, which I've found out is part of HSBC, who wrote .. ref HBSC debt blah blah! we will be calling you on the 2-sept 8am til 9pm..

     

    pity the letter arrived on the 10th Sept !! tossers!

     

    This is refence an small HSBC debt , again included in the IVA.

     

    Just sending a we are in an IVA now p?ss off letter.

     

     

    take care all ,,

     

     

    C.

  17. Make sure your defence is in - fax it if necessary.

    Also make sure you counter-claim costs for assembling your defence and ask for exemplary costs at the court's discretion against BC for making a frivolous/vexatious claim.

     

     

    Update..

     

    As of 12 today the claim is still active, counter claim in and confirmed its receipt with the NCC.

    Got the IP to ring the tozers again while I was on hold ..

    and the tozers .. said they had not rec'd any paper work ( chairmans report etc).. when reminded that they had already admitted receipt of the paper last week, it all changed to well we have all ready contacted the court etc etc ..

    Wot a load of utter liars .. well I just hope now it actually makes it to court as the NCC have told me after they rec'd a copy of the IVA chairmans report that the claim will be thrown out anyway .

    So will leave this one on hold and get on with sorting out the other problem creditor harrasments.

     

    watch this space .

     

    C.

  18. Latest ...

     

    these legal tozers... have been contaced by the IP and sent documentary proof of the IVa, , eg chairmans reports etc., and today the I checked with court and........... and ......................and ...................

    the claim is still active.

    So just writing out a defence statement to stick up them .

     

    wot a load of ?:*&&%£$ !!!

     

    C.

     

    PS. Just been re-agreeing a new statement of affairs with the IP and

    the Payment has dropped to under 200 pounds now..

    and the IP has tentativley agreed that it will probably all go to the wall in a few monthas when the Working tax credit drops by 150 pounds and the payment option hits about 50 pounds.. So could be the big BR is approaching, and it may well be funded by the IP .. we will see.?

     

     

    Well 1 day before the defence statement has to be in .. and despite mutltiple phone calls from the IP to the solicitors, them having a copy of the IVA chairmans reports sent etc. and 2 assurances to the IP that the action has been halted.. it still active.. what a load of lying.. :evil: oooh! words fail me, or rather I shouldn't type them here. :D

     

    defence now submitted anyway just in case they are waiting for it before backing off ??

    we will see ...

  19. Latest..

     

    HAve been told by the IP the court action fiasco has been sorted out .

    But will monitor it closley , because as of today the Court claim has not yet been cancelled..

     

    Worst case is we turn up submit the defence if here's my IVA, and get paid some expenses for a day out. !

     

    Plus today another creditor ( from the IVA agreement) had started sending letters .. argh!!!

     

    take care all

     

    Latest ...

     

    these legal tozers... have been contaced by the IP and sent documentary proof of the IVa, , eg chairmans reports etc., and today the I checked with court and........... and ......................and ...................

    the claim is still active.

    So just writing out a defence statement to stick up them .

     

    wot a load of ?:*&&%£$ !!!

     

    C.

     

    PS. Just been re-agreeing a new statement of affairs with the IP and

    the Payment has dropped to under 200 pounds now..

    and the IP has tentativley agreed that it will probably all go to the wall in a few monthas when the Working tax credit drops by 150 pounds and the payment option hits about 50 pounds.. So could be the big BR is approaching, and it may well be funded by the IP .. we will see.?

  20. That's disgraceful! Go through this site to make a complaint about solicitors. I am not surprised you are angry.

     

     

    Latest..

     

    HAve been told by the IP the court action fiasco has been sorted out .

    But will monitor it closley , because as of today the Court claim has not yet been cancelled..

     

    Worst case is we turn up submit the defence if here's my IVA, and get paid some expenses for a day out. !

     

    Plus today another creditor ( from the IVA agreement) had started sending letters .. argh!!!

     

    take care all

  21. Hi t o alll,

     

    Currently involved with the IP to sort out the major changes in income,

    All pretty borderline to negative disposable at the moment and in 6 months

    the working TC's will reduce by close to 200 pounds, so the whole IVa will go down the swanny and the Big B looks the only option,

     

    NB on the creditor front despite reporting the Wonkers to the IP.. sorry for the duff speelling.. :lol:

    and phoning them myself , today we received a letter saying court action had been started and we also got a docs from N'hampton County Court.

    What are these tw*ts on.. No court action is going to succeed while in the IVA..

    I'd larf if I wasn't so mad :mad:..

    really want to report Bryan Carter & Co to someone..

     

    feel free to comment

     

    take care all

     

    C.

  22. To help clarify matters, this is an extract from a Court case Coutts v Sebastyen and this part is partt of the summing up by the Judge in relation to overdrafts and teh Consumer Credit Act-

     

    Chopped a bit out to shorten it ..

     

     

    THE DETERMINATION

     

     

    2. This Determination is made subject to the following conditions:-

     

     

    (a) that the creditor shall have informed my Office in writing of his general intention to enter into agreements to which the Determination will apply;

    (b) that where there is an agreement between a creditor and a debtor for the granting of credit in the form of an advance on a current account, the debtor shall be informed at the time or before the agreement is concluded:

    - of the credit limit, if any,

    - of the annual rate of interest and the charges applicable from the time the agreement is concluded and the conditions under which these may be amended,

    of the procedure for terminating the agreement;

    and this information shall be confirmed in writing.

    © that where a debtor overdraws his current account with the tacit agreement of the creditor and that account remains overdrawn for more than 3 months, the creditor must inform the debtor in writing not later than 7 days after the end of that 3 month period of the annual rate of interest and charges applicable.

    3. In this Determination the terms 'creditor' and 'debtor' shall have the meanings assigned to them respectively by Section 189 of [the Act]. The term 'bank' includes the Bank of England and banks within the meaning of the Bankers' Books Evidence Act 1879 as amended."

     

     

    Hi to all being a newbie to all this .. but searching for help for my daughter.. was wondering.. if this 3months +7days applies..

     

    My daughter froze a joint account after her partner left ( Sept 07)

    Nothing was said of any OD.on it.. her partner blocked his imminent salary going in, (this probably caused the initial OD) nothing was said by the NW bank. then in May 08 she suddenly had a letter saying she had a large OD and needed to sort it ???

    Seems without any communication since sept ..?? NW have been a slack !! but not in adding interest during that time [:-(

     

    any help advice here please ?????

     

     

    take care ALL

     

    C

×
×
  • Create New...