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Everything posted by MsWeatherwax

  1. Erm...as far as I know it should be safe. I have no experinece with this way of paying AT ALL though, and still feel inclined to say "Tell them standing order or nothing". MsW
  2. KKen, you're a million miles off Bailiffs! Don't worry about that, these guys are highly unlikely to ever even take you to court. They'd have a great deal of difficulty explaining their interest rates to a judge. Firstly, have you read the rest of the payday loan threads on here? There are some really good tips on how to deal with these people. You're right about getting the harrassment letter off as soon as possible, and I'm really sorry that they've already been rude to your boss. Have a skim through a few of the other threads, then if you need more help, we'll take it from there. Don't worry! MsW
  3. Hi everyone Just to let you know she had her appeal hearing today (the other one I mentioned was cancelled, unsurprisingly!) - I'm pleased to say that even though she had to go in on her own, she got the warning downgraded to a first written warning which will only stay on file for 6 months. She's also being moved to another part of the store, and general management is being supportive of her grievance claim. I just wanted to say "thank you" to everyone for their advice and help, I really appreciate it. MsW
  4. Thanks Elpulpo - I've actually just noticed that it says "colleague or union rep" in the policy. She's really going to struggle to get a rep from the company I think, and she has no Union. Really not sure what to do now. I really appreciate all of the advice, you've been a great help.
  5. Right, my temper is becoming rather frayed now. I've offered to go into any disciplinary with her as her representative - letter went in yesterday afternoon. Just had a text from her saying that the appeal meeting is tomorrow at 11am. Anyone get the feeling they don't want her to be prepared for this? I'm going to struggle to get that time off work, for a start. I don't think for a second this is fair, but I'm inclined to call their bluff and just go in there. Should she ask to start a greivance while she is in there or is that more appropriate outside of the disciplinary meeting?
  6. Depressing (but unsurprising) update for you all. On Saturday, she went into work as normal and was talking to one of her colleagues while waiting for the machine she was operating to finish. The manager that she has been having issues with appeared, shouted at her, threatened her job then sent her home, having told her he was having her suspended. As far as we can make out, this was for talking to her colleague. I mentioned the first verbal warning she was given...that occurred last May, when she was unwell at work. He sent her home, then when she went in afterwards, he had told management that she had walked out. This seems to be forming a pattern, no? I'm very concerned that he's going to sack her when she goes back in, saying that he didn't send her home, she just left. On the bright side, she has at least 1 witness to him making her leave this time. Her request for an appeal hearing has to be in today - does this change anything?
  7. LOL - she's decided she wants to be a marine biologist now. In terms of university expenditure I think I prefer the giraffe idea. This is also apparently genetic - when he was little her Dad told his Mum he wanted to be a snowman because they only work a few days of the year , lmao.
  8. Yeah, exactly the same conclusion I came to. Not sure if anyone could vouch for her, I never asked (should have been pretty obvious, lol), but will get on it. She has 7 days to appeal from today, so it's not HUGELY pressing. What about skipping the first written? Or the verbal that can hang around for more than 6 months? Is there anything to play with there?
  9. That's what I thought. It does clearly state that he just said "No, you don't". She was given a letter, saying that she could take a colleague or union rep with her, but she was not told that the verbal warning still stood. No evidence was presented, and she had to ask twice for the notes of the meeting. No explanation is given in the notes as to why they felt a final written was necessary. A very potted version of what actually happened is as follows: She had to make up some time at work and was allotted 2 days over the Christmas period , which she initially agreed to. She is having some personal issues at the moment, and is in the process of giving up the flat she shares with her now ex-partner. She had to see the letting agent (this IS urgent - her grandparents are guarantors on the flat) and advised her manager that she would have to re-arrange the 2 extra days (giving him a weeks notice). He told her not to worry about it because she would just be "milling around" anyway, but during the disciplinary interview he denies saying this. After Christmas, when she returned to work, the 2 days that had been crossed off the rota had been written back in (she has a copy of this) and she was handed the invitation to a disciplinary interview, which is dated 22 December - which is the first of the 2 days she was off. Thanks very much for replying, Elpulpo - I really appreciate it.
  10. Hi all My friends daughter has just received a final written warning from the well known supermarket she works for, basically for not turning up for work for 2 days (they say!). It's quite a long story, so I'll give brief details, and if the other stuff is relevant, get into it then. I asked her to get hold of any notes made during the meeting. The notes quite clearly state the following: Manager: Would you like a representitive? Daughter: Do I need one? Manager: No, you don't. Can he tell her that? The reason I ask is, she had a verbal warning in May, but the disciplinary policy states that a verbal warning lasts 6 months. Going into this meeting, she thought that that warning was now "wiped out", so had no idea that this was likely to escalate into a final written warning. A manager has told her that even though the verbal warning lasts only 6 months, that's irrelevant because it's "conduct" and they can still give her a final written warning. (????????). The stores disciplinary policy states: For minor issues specifically including minor misconduct and attendance, your manager will make every effort to resolve the issue through counselling, then it goes onto: 1- Formal verbal warning 2- First written warning 3- Final written warning Without going into full brutal details, it's also questionable (but I'm not sure PROVE-able), that the absence was unauthorised. This is her first job, she's just turned 20 and was completely unprepared for this...it all seems a bit barmy to me, and I'm not sure her manager has a) played by the rules and b) isn't trying to get rid of her due to a conflict of personalities. Any help gratefully appreciated. Thank you! MsW
  11. LOL - bless him!!! When my daughter was little, she stomped up to me, very determined, like she'd prepared for a fight, and announced that I'd told her she could be anything she wanted to be when she grew up, so she had decided that she wanted to be a baby giraffe. Be VERY careful what you say to small children, folks...
  12. I would say that technically it constitutes part of your notes so yes, but I really don't see anyone snapping you off at the wrist if you sneaked a peek. They aren't kidding about Doc's handwriting though, so let me know if you need a hieroglyph translation....
  13. HAPPY NEW YEAR CAGGERS!!! Thanks - to everyone who's posted - for everything in 2009, and here's a raised glass to a happy, prosperous, peaceful and generally brilliant 2010 for everyone. Many, many thanks also to all of the site team - it's possible that you're all quite mad to do this (), but the fact that you all do has saved my proverbial bacon this year, and made 2010 a far more palatable thought for me. It's genuinely appreciated!! Really...I am raising a glass, BTW. Right now. P.S: Finally remembered to donate!!
  14. Damn, what a cute baby!! The poor father though, he still looks shell-shocked.
  15. I find it very, very weird as well. They'd usually rather snap off a limb than hand out an overdraft on a basic bank account. It's very worrying - if they start doing this routinely, there's going to be people getting their benefit payments swallowed for months paying them off. It smacks of very targeted profiteering off people on low incomes, who might have less financial/legal savvy than someone with a mortgage/credit cards and all the rest. DO.NOT.LIKE. :?
  16. Couldn't have put it better. I work with a smashing team, and pretty much every day there's people who stay behind so we can slot in "urgents", or make sure patients are returned safely. I'm not even going to say we don't get a lot of thanks, because we've had some lovely cards from people who've been through - it honestly makes your day to know that someone has noticed that you've tried your best for them. We don't get tons of them, but it does happen, and we get so much flak it's nice to know we're appreciated. Sali, I'm sorry - I didn't mean to insinuate that you had been abusive! Honestly, when you work in a hospital day in, day out, you'd be shocked at the way some people treat the staff. I've personally seen 2 violent attacks on nurses this year alone, not to mention the umpteen racist incidents. It's a very emotionally charged atmosphere a lot of the time, and sometimes people don't react how you expect them to, or even how THEY would expect to. As CitizenB says, there's good and bad on both sides. I honestly don't know how you find the balance in such a big organisation, but I wish I had a magic wand sometimes. NightOwl - you're as soft as I am then? Really, good luck - please keep us up-to-date and let us know if we can help. I really appreciate what you're doing.
  17. Yes, well it's not beyond his control to put it back, is it? If you take a look, there is this wonderful thing now called "Faster Payments" - with it, if he chooses to do so, he can replace the money in your bank account tomorrow and it will clear the same day. He's now put it in writing that he accepted your repayment plan. If he refuses to replace the money, I should take a print out of the email to your local police station, pointing out that you were attempting to repay the debt, they had accepted the repayment plan and taken the first payment and have now deducted the whole amount from your account. It may be an accident that it was taken, but it's not an accident if they don't put it back. Incidentally, the last time I checked, the MD of this company was James Keeble. I don't think knowing his name will help much, TBH.
  18. There's loads of people on here who've had MULTIPLE loans with payday lenders (myself included!), so you can probably stop feeling stupid now. There's also no reason to be scared. It's only money, they print more of it every day, as someone once said to me. Relax, enjoy Christmas with your family and look forward to sorting this out in the new year.
  19. I don't see why not - they've taken one payment of an agreed payment plan, which they obviously accepted, then made an unauthorised transaction for £430! Also have a look on your local council website and see if they have a "Money Lending" action team. I think they'd be interested to hear about this lot, and they may be able to advise. They seem to have an awful lot of system errors that result in people having large sums of money taken out of their account.
  20. NurseAnne and Night Owl, I applaud you both. I'm NOT a nurse, but I do work in the NHS and I do know where *both* of you are coming from. Good luck Night Owl, I'll keep checking in to see how it's going. Sali, I know what you're saying but I have seen me begging people to make a proper complaint in the past. I understand that when things go wrong it's frustrating, but screaming abuse at someone, or threatening them, then never taking it further doesn't change a thing. We all know that the first point of contact in a situation is likely to cop the initial anger - most of us don't take it personally, and we've been trained to deal with it even though it's not very nice. However, you'd be amazed how many people don't ever complain properly. All you can do then, as staff, is record the incident appropriately, but if it was backed-up by a complaint from the patient or relative involved it would be so much more effective. There's a really odd culture in this country sometimes - it's OK to go berserk on a ward on the spur of the moment when things go wrong but complaining officially when you've calmed down, and are able to put your point across, is somehow too much fuss to make. It's really hard - I know in problem areas there are people who would like to do just what Night Owl is doing, but if we all did it the service would collapse and people would die. That's why it's so important to support people like NOwl, who to my mind are very brave individuals - it's much harder to go out on a limb yourself than with full strike action. I doubt there will ever be a perfect answer, though.
  21. That the Halifax would allow that level of unauthorised borrowing on a basic bank account astounds me. Anyone struggling for credit this Christmas, get on down the Halifax - apparently it's a free-for-all. Talk about making it up as they go along. I'm going with SillyGirl on this - go to the police, get a crime number then take it into the Halifax and make them reverse the transaction.
  22. Please don't extend the loan. You'll never escape. Yes, just email them with the payment plan (make sure it's realistic and that you're able to stick to it. If you can't afford to pay ANYTHING until the January payday, tell them so). If they don't reply, email it to them next week, NOTING ON THE EMAIL YOU SEND that they haven't replied to your last email. Email them the offer once a week, every week until you a) Get a response or b) They get shut down by the Government for money lending (I know, I know, but it's my Christmas wish!! ) Save all your emails and keep printouts. In the New Year, open a new bank account to protect your income. For goodness sake, don't re-loan, or extend it. It's a killer trap to get into.
  23. ^^^^ Exactly what Looby said ^^^^^ Seriously, don't panic. It's no big deal really - I had several of these loans, and it took me a year, but I got them all paid off, nobody came banging on my door, nobody took me to court and I came out of it a much wiser person, lol. Get the card and direct debit cancelled first, then keep us updated - we'll help you with whatever happens next (which will probably be some annoying phone calls, but I don't imagine even this lot work over Christmas, so relax and enjoy the holiday).
  24. LingyLuLu, have you checked your account today? When you go overdrawn through a direct debit, a lot of banks let the funds go through 'til close of business (I think to give you a chance to pay the money in), then return it overnight. I would be absolutely STAGGERED if this wasn't reversed overnight. The issue that you might still have is that the bank will want to charge you for going overdrawn, but I would tell them in no uncertain terms that this was a fraudulent transaction and you won't be accepting any charges due to it. Write a letter to your bank telling them that in future, no direct debit instructions should be set up for this particular company. Are you with Natwest by any chance? I had to cancel my card over the last Christmas period and they very kindly sent my new one registered delivery so I got it the next day. It was possibly the only helpful thing they ever did for me. Let us know if the money isn't reversed back into your account too - I'm sure there must be something about unauthorised lending on basic bank accounts that will get you round this. The whole point of them is that you CAN'T go £400 overdrawn.
  25. I was annoyed that I had to set up a new account for the same reason, Soo - BUT, if you just set up a new account with your existing bank, the relationship will continue. It's better for the relationship in fact, because they WILL keep setting up new DD's, and eventually you will end up bouncing some. Seriously, you won't regret it as I learned from painful experience. Actually, I eventually ended up setting up a current account with my local credit union (I KNOW I keep banging on about this, lol) and it was the best move I ever made. I actually know the staff (all 2 of 'em!) by name, and if I ever have a problem with anything they bend over backwards to help. If there ever is insufficient funds to cover something, the charge is a fiver instead of £30 - far less likely to send you into a spiral you can't get out of. Just sayin'.
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