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About cluttermoney

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  1. If no on is able to run my figures through dualcalc, does anyone know of an idiots guide on how to use it? as, despite considering myself to be above average intelligence, it's beyond me!
  2. Yes sorry it's not HP it is conditional sale. Yes I have my original finance documents. I just dont understand the crap they are telling me 1st Nov ask for a settlement - £6300 30th Nov (1 payment later) ask again £6180 8th Jan (2 payments later dec and jan) £6128 They say the 30th figure should hav been £64xx. How is that even possible for a settlement figure to go UP from 1st to 30th nov?
  3. Hi, I tried to get my head round dualcalc and searched here for ages but I'm stumped! Im trying to get a settlement figure from MoneyBarn for a Car HP and they keep giving me conflicting info so I want to try work it out myself as I got a settlement figure two payments ago and comparing it to the one now it's £50 less which is bizzare, after numerous phone calls they are telling me the previous one they gave me is wrong? sounds like they've made a right hash of it. They said they will send me a statement so I can work it out and query them if I think
  4. I wouldnt have thought the tax people would mind if you were employing someone and paying PAYE when you shouldnt be, afterall it's more income for them?
  5. Hi, just a quick question here, I have found out that the director/sole owner of the company I work for has been employing family members on full time wages for a considerable amount of time. The family members are never in the office, have a corp email, or are on the phone system. I have also seen a large amount of personal expenses from the owners family such as computers, laptops, flights for holidays etc being claimed through the company. In my eyes this is fraud, and as I will be leaving soon I wish to wipe the smile of this dishonest person's face. Is this fraud? and how s
  6. So how I think I will deal this is to request a formal meeting with a senior or HR rep. I will request this monday By my manager verbally saying "we're looking at job sharing your role and effectivly that will mean half pay" puts me essentially at risk of redundancy. I obviously want to have a proper sit down meeting to discuss what is happening, can I bring a layperson? I will be speaking to employment specialists on monday to see what my options are and where I stand. My guess is they want to restructure and this would be easier by getting rid of me and taking on two part
  7. Thanks scousegeezer, thats more or less how I saw it. There's no issue with work, the reason behind the employer wanting to do it is to cover 24/7/365 and yes it would be permanant move
  8. Hey good people of CAG My employer has given me a "heads up" regarding some changes that are going to be consulted within the next few months. The proposal is to do a job share for my job effectivly cutting my full time hours in half I am a full time employee on hourly and have been here for 4 years. Im going to seek some legal advice, but wanted to know what peoples thoughts on the subject were. Can they do this? The way I see it, if they need to cut my hours because I dont have enough work or they are struggling to pay me, fair enough, but the hours they take of
  9. What's the likelyhood of them taking a single mother on part time wages to court for 2 months worth of rent payments? There was also talk of letting the deposit go to the landlord in lieu of one of the months payments and then if they cant find a new tenant before the last month then that would be owed Is this the right thing to do? or ask for the deposit back and take the line of she had to move out through no fault of her own? so shouldnt be liable for last 2 months rent? as giving them the deposit for one of the months is accepting liability for the remainder of the contract?
  10. Hello, I have a friend who's lived in a brand new apartment complex on a 6 month AST. During the first 4 months there has been a spate of anti social behaviour coming from one particular resident. This has included very loud noise late at night and early in the morning, smoking weed in the communial areas and having some very "nasty" type people frequenting the building and intimidating residents. The locks on both main entrances to the complex have been broken and never fixed despite being reported to the building management company serveral times and the flats leasholders acti
  11. Ok ive found a spreadsheet and calculated what they owe me They have ignored 2 letters asking them to freeze my overdraft and account and are continuing to add charges, is there anything I can do or should I continue servicing the account with the charges? Btw what they owe me is more than that overdraft balance
  12. Hi Lloyds have now completed my SAR and I have 8 large packets full of my info to digest Couple of questions: 1. Is there an easy way/tool to calculate what they owe me 2. I opened a parachute account before SAR and wrote to them telling of inancial difficulties and that I will be disputing charges on my account. I also requested this account be put on hold until such investigations complete. Despite this they are charging me intesrest etc on my overdraft, is there a way I can stop this? obviously ill accrue 100's in interest by the time this is all over. Regards
  13. Here's the bit from the agreement: " You have a right to cancel this Agreement for a period of 14 days, beginning with the day after this Agreement is signed by us. You can do this by giving us written notice to Express Finance (Bromley) Ltd, Kent House, 41 East Street, Bromley, Kent BR1 1QQ or fax on 0800 652 4662. a. If you cancel the agreement you still have to repay any money lent to you and any administration fee (if applicable). If you do not exercise this right to cancel, you will not be able to cancel at a later date. b. If you cancel this Agreement, within 30 days
  14. Surely if a company or individual takes a card payment without your authorisation that is illegal and you can ask your bank to perform a charge back ?
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