Hi My husband was sacked from work without warning, he only started there at the beginning of Dec. He had a letter through the door (hand delivered) telling him that he was still on probationary period and that they were terminating his employment due to his lateness (they actually quoted he'd been late 8 times) and that they had had complaints about his attitude from customers. So he's not had any proper verbal or formal warnings about this, he was asked a week or so beforehand that "his boss had noticed he was late this morning and could he make an effort to get in on time" this was just an informal statement he wasn't told it was a verbal warning etc it was just a manager making a request, I don't know whether this is classed as a verbal warning? The reports of complaints from customers about his attitude has come from nowhere he knows nothing about that one. The only thing he can think of is that they asked him to do an extra delivery but didn't confirm it to him so he didn't do it. when he got back to the yard he was asked why he hadn't carried out the extra delivery, he said I wasn't sure I was supposed to. But nothing else was said. He's already sent a letter saying he disagrees with the letter and that they haven't followed the ACAS code of conduct, and asked for evidence of the lateness and the customer complaints. This was sent last weds (10th Feb) by Recorded delivery. He's not heard anything back from them yet. So we're confused about what to do next, how long does his employer have to respond to his letter? and does he have any rights if they don.t because he hasn't been there very long? In fact is there any point in appealing because the Citizens advice bureau seem to think that all he can do is tell them he disagrees, he can't do anything else because he hasn't been there very long. Please help we're are very disheartened with employment law at the moment! Thank you

Hi Yes I have sent the Subject Access Request to BPF which is when I received the details of manual intervention (which also lists all the charges applied) and the letter that states BPF don't have the credit agreement as I think they took over the company that the loan was originally taken out with! I have not sent a Sub Access Rq to DCA should I do this also? They have stopped contacting me in the last month or so as I sent them the letters about "Not recognising the debt with them" AND "the don't knock on my door because I might report you for harrasment" letters as detailed on this forum. I think I have all the info I need now and I just need to understand: Do I go down the unfair charges route or Follow up on the No Credit Agreement (Loan was taken out in 2006 if that makes a difference) Thanks for your help, sorry for the delay in replying

Hi Slick132 I don't know who the account is with now it's either Barclays Partner Finance or a DCA. I was being hounded by Debt Collection Agencies but I sent them the letters about Home Visits and not recognising them as being the owners of the debt and Since I sent the Subject Access Request I haven't heard anything from the DCAs. I have got the Manual intervention notes and it does show me that £242 of charges that have been applied since the account when into default. So do you think I should just claim back the charges or go down the unenforcable route (This loan was taken out in May 2007) or both?

Hi I have just received the Subject Access Request for the Barclays Partner Finance account that has been in default since last year. Two main points I need to clarify: 1: They say they do not have a copy of the finance agreement because they aquired the account from a different finance company. So do I take action on this? 2: The account went in to default last year for a total of £260, I have subsequently made payments of £350 but they still claim I owe £122 which from the Manual Intervention notes I can see are the fees and debt collection agency fees that have been applied. So where should I go from here? Write a letter disputing the fees and say the account is now paid up (In fact really they owe me some money with all the charges they have applied) of follow up the credit agreement thing or both? I'd be happy just to get the debt closed off and any defaults that need to be removed from my credit file removed. What do you think?

Thanks but I'm not even getting anywhere with them trying to recognise their mistake, just to get my charges back from them because of their errors would be good but they are not budging. I need to know whether it is worth pursuing a complaint with them, they sent me a letter to admit they DIDN'T send me an letter to notify that my overdraft was being removed. They seem to have completely forgotten they sent this letter! Then when I complain about it and ask for the charges back they just keep saying charges are valid and they can remove the overdraft whenever they feel like it. Can I continue with this complaint based on the fact they didn't meet the Banking Code or do I just leave it??

Hi Could anyone help me out with a bit of advice on this one please? Do you think I have a case to pursure here or should I just not bother? Thanks

Hello there again, Seems that my positive outlook on sorting out my HSBC problem was the wrong one to take! Ok first to summarise again - HSBC removed my overdraft 3rd Sept 2008, without any notice whatso ever, they claim they sent a letter on 26th July informing me which I never received. I complained to them about how they had managed the process and I received a letter back (over a month later) that they were sorry they hadn't sent me a letter after all and if I arrange to payback my overdraft they will reinstate ASAP. So I have had a letter from them telling me that they in fact DIDN'T send me the letter! So after the letter I complained about the charges and inconvienece this whole thing had caused although the charges amounted to £185 I still think they should be paid back as they neglected to tell me so that I could make other arrangements. After 2 attempts and them sending back standard Charge complaint letters, I was hopeful that they would resolve on the third attempt of asking (obviously not). I received a letter from HSBC yesterday stating that "They were sorry I did not recieve the letter sent 26th July, informing me of my overdraft removal" and then the letter goes on about Overdraft being an on demand facility payable at any time . . . . blah blah. . . . the services charges were applied correctly . . . . and as a repayment plan as been implemented no refund is due at this time. This is the third letter I have written and the third time they have not responded in a satisfactory way. Given that an Overdraft is payable on demand as stated in their Terms and Conditions do I have a leg to stand on? Had they not sent the letter admitting they didn't send me the Overdraft removal notice I wouldn't be following this up but I knew they hadn't sent me the letter and had I known about the overdraft removal I would either have entered negotiations to pay it off or made other arrangements, as it was I was inconvienced by their actions! Aside to this they did refund some of the charges for me and made a mess of my account in the process they had managed to take further charges from my account instead of refunding them. They couldn't tell me why that had happened - so had to refund again So they have also messed up the adminstration of my account and have refunded some charges when I first complained!! What are my next steps: Not bother because of the fact they can withdraw the overdraft whenever they damn like? Straight to Financial Ombudsman or Last ditch attempt letter with copy of letter they sent admitting they didn't send me a notice letter? One good thing has come out of this, I have been trying to pay off my overdraft for ages but I've not been disciplined enough (or just plain lazy) to do it and it's finally sorted me out to do something about it! Any advice would be gratefully received! Thanks for all your help on this forum it's very eye opening about what things companies get away with!!

That sounds like a common sense approach, thanks. Had already asked for my charges back anyway but if they ask me I'll ask for roughly the same amount. We'll see whether they manage to understand what I'm complaining about first:roll: Thanks for the advice!

Hi Hsbc recently removed my overdraft without prior notice, after much wrangling with them they sent me a letter admitting that they hadn't sent out the letter of notice. They have reinstated overdraft with plan to decrease it over time. However I then complained to them about the charges I had incurred and the inconvience that the removal had caused. after about 3 attempts they seem to get the gist of what I am complaining about, previously they have responded to my letters with standard Charges and Unpaid Items complaints letters. They have asked what sort of compensation figure I am looking for, I haven't any idea and wondered whether someone here might be able to give me an indication of what to ask for. Here's some further details: Overdraft removed 3rd Sept 2008, unable to take money out of the bank to buy my lunch at work, or to pay for fuel to fill up my car, drive home car on very empty worried about whether I would have enough to get home. Salary paid into the bank, as paid weekly this doesn't cover the overdraft so I am left without any money still. Direct Debits are bouncing all over place. Got to the point where I had to use some of my Tesco Clubcard vouchers to buy some shopping. Changed Salary mandate to our joint account so that at least I could get some money. It took them until 18th October to admit that they hadn't sent out the notice letter. In the meantime I have had to cancel direct debits, and ensure that all items were paid manually and spent time having to rearrange direct debits, and had to cope with the embarressment of it all! Any ideas would be gratefull received, I'm not after much just an acknowledgement of what they put me through! Thank you very much in advance for your help, and keep up the good work!