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Big Nick

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About Big Nick

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  1. I'm confused and happy! Happy because today I had a letter from Egg Loans today agreeing a PPI award of £4457, cancelling the £2025 debt owed and a nice cheque for £1957.99 which will go a long way toward clearing my overdraft and credit card. Confused because of the charges they applied. Could somebody please visit my thread in the Egg section and advise me please? http://www.consumeractiongroup.co.uk/forum/showthread.php?188382-Egg-Loan-and-Me-(hello!)/page2
  2. Things are looking up!!! Today Egg sent me a letter saying they agreed with my PPI complaint! I don't quite get their logic with the refund they sent though. Total compensation £4457.87 (see below) Amount owed £2025 Refund cheque £1957.99 Award calculation Total PPI premium £2918.90 Interest on premiums paid £463.19 Plus 8% interest £1075.78 They have withheld £474.88 to "put my loan in the position it would have been had I not taken PPI". What is this, is it allowed and why? This also brings up another issue. While Egg were deciding this the debt was handed to RMA Arrow for collection. I've paid them £100 this month and obviously I now need to get this back and get them to agree that the debt is now settled. Is it wise of me to send copies of all the relevant letters to RMA for them to study?
  3. Just had a good friendly chat with the RMA Arrow people and sorted out the repayments with my bank. That was the easy bit. This is where it gets interesting.... In Feb 2011 the annual statement said I owed £2425. I am repaying £100 per month so I think I now owe £2025. RMA think it would be £2325. When I queried this RMA suggested I contact Egg via a phone number that proved to be out of service. They acknowledged this when I called them back and said they'd put the account into dispute but I should continue making repayments. I wonder if Egg gave RMA the most up-to-date set of account details?
  4. Holy thread revival Batman! Back in February 2011 I sent a general letter to Egg requesting repayment of PPI on the grounds of mis-selling, they replied confirming their reciept of the letter and that they were investigating. In March I got the '4 weeks and still investigating' letter, in April I got the '8 weeks and still investigating, you can tell the Ombudsman' letter. Thought I'd give them a little while longer and then forgot about it all with work and other stuff. I guess that I should have done an SAR first but I'm not good with all that legal stuff. Last week I learnt of the sell-off to Arrow/Britannica and today the letter arrived saying that the debt was now in the hands of Britannica Recoveries and that I should deal with them directly. Where does this leave me regarding the PPI repayment? What's the worst that Britannica can do regarding this debt? I don't want to end up being declared bankrupt or having bailiffs round the house.... Going to phone them now and see what they say, no point paying Egg when BR want the money.
  5. Had official meeting with manager and HR rep who took notes, the official reason for this meeting was that this was the 4th time I've been off in the last year. This is silly season at work, managers appear to have very little to do and this time of year is when most people start hitting their 3+ sickness absences. I counted 5 other people being investigated or disciplined this last month. Went thru reasons for each absence as they didn't have the previous forms to hand, wonder why we bother filling them in? Decision was made to award me the sick pay as the manager now believes I wasn't trying it on. Nice to know how much they care about me after all these years working there before they did. Funny thing was the manager telling me I should have gone to them first about this and not HR, deeply suspect it would have led nowhere and that the pre-signed form should not have been done in that way. It was confirmed that the overtime budget is separate to sick pay (surprise!) and that there is no budget for SP which makes little sense as what really happens is your regular salary gets withheld. Tired of working there, looking out for new job but recession not helping.
  6. I found my contract which says what I thought, I am entitled to Company Sick Pay 'at the managers discretion'. Nothing about taking it to pay someone else overtime. Had a chat with HR about what happened and am having a talk this week with another manager regarding sick leave as this is my 4th occasion in the last 12 months (standard practice, apparently). If that goes nowhere I am getting copies of that WB form and the company sick policy and filing a grievance. Certainly don't think management should withhold my sickpay without talking to me or having read the forms first.
  7. I recently had to take 2 days off work due to a bad cold and sore throat. I called in sick on both days as required and when I returned my teamleader went through the 'Welcome Back' form with me. The last section for 'Payment for sick leave' had already been completed by our manager with the reason 'Pay not approved, had to pay overtime to other staff'. Without immediate access to my contract I'm thinking this is wrong, that it is down to the company to pay staff and not for it to be taken from me for being ill. Can anyone say if this is illegal off the bat before I get home to dig out my contract and argue the case with Human Resources?
  8. Lady I work with was picked up after work late at night by her son in his car. To do this he pulled into a coach only parking bay for less than 2 minutes. Two days later Lambeth sent him a PCN with photo evidence which could only have been done from an unmarked car. She also said the picture was rubbish quality cos of a branch blocking views of the drivers seat. Tonight I saw the car again parked in the middle of said "coach only" bay presumably quietly catching people out. It's a silver Smart car with a roof mounted camera, looks like it has a large baked bean tin on top. I thought this style of catching was illegal unless they had signs out but is this negated by Lambeth borough being a Controlled Parking Zone? How can I get copies of the legal parking orders for the street in question to see what restrictions are in place? The coach bay is 15 or 20 minutes stay only but I've never seen wardens give tickets there in daytime when it is busy.
  9. I hate to break the bad news..... but it's an old wives tale, literally! snopes.com: Neiman-Marcus Cookie Bet the cookies taste good though!
  10. Just to clarify matters here, we work an 8 hour day with 2 shifts per day. In that time we get a 1 hour lunch break. For example next month we will start at 9am, have lunch 2-3pm and finish at 5pm OR start at 2pm, lunch 4-5pm and finish at 10pm. Each shift there is a block of 5 hours solid work potentially without a break and never more than 15 minutes which includes time to reach the staffroom.
  11. I work at a tourist attraction and recently there's been heated discussion in my department over the provision of toilet and rest breaks. Because each position has to be covered by a trained person and may not be left unattended there are limits on how often we get breaks and how long they may be. When our team is short-staffed sometimes staff from other departments can help out but that is rare. Breaks have to be requested and arranged by managers before we walk off. Over the next 2 months we are going to be expected to work 5 hours continuously before the lunchbreak or going home, dependent on the shift we work. We are on our feet outside all day and do not have desks to sit at, unlike the managers.... What are the legal limits on working times and the provision of breaks? Is the company legally required to provide us with the opportunity to have breaks when we need them? Are there any legal time limits?
  12. Whenever I go to a new town or city I look out for charity shops with the hope finding some great reading matter. Sometimes it doesn't work cos all they have are Jack Higgins, Andy McNab and BTB but I have found some rare and interesting stuff over the years! Best for me are the specialised charity bookshops like Oxfam and surprisingly, the Amnesty International shop in Great Malvern. When you're looking for an out of print work or odd subject matters* these places can have just what you want. In recent years I've given dozens of books to St Clares Hospice in Harlow along with other household items (after I've chucked the rubbish my mum puts in). These are all books I have read and decided not to hang on to but I somehow seem to come home with a few new purchases anyway! *Alternate histories, 'Britain Invaded', Cold War, old maps and road atlases. Said it was a odd collection of interests!
  13. Great! They also do manuals for the Lancaster, Spitfire and the Tiger Moth. TBH, these aren't the in-depth repair manuals like they do for cars (first, disconnect the battery) but more of an overview on how these great machines were designed, built, tested and roughly how they go together.
  14. Yes Minister was 30 years ago. Even allowing for repeats on TV, many of us don't recall when the last big uproar about MP expenses was. One thing fuelling this is that many people are tired of Labour and want a change in leadership in the hope that an election will change the mess we are in.
  15. Personally I'd ask that the holiday request be cancelled with a view to taking different days off at her pleasure. If she knows when she wants future time off then make that claim at the same time. That said, for me it's about not being at work, not about the money. I wonder why they changed the shift round so suddenly?
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