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finnigan

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About finnigan

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  1. Thanks, my contract and handbook only state that employees will self-cert the first 5 days of absence and that company sick pay is at my manager's discretion. I raised a grievance at the beginning of the year against a manager for victimisation, and I feel it has only made things worse. So I would prefer not to have to go down that road again. I have asked for a meeting with HR but I'm not sure how much they will be able to do... The management in the company is very much a boys club and they don't tend to go against each other.
  2. Hi everybody... please bear with me, I'll try to be brief! I was off sick from work for 4 days with a kidney infection. I followed procedure and kept in regular contact with my manager. My employers manage absence using the Bradford Factor with a trigger of 100 points. Including my most recent absence I was only at 90 points. On my last day of absence my manager phoned me to tell me I wasn't being paid and in the same breath asked me if I would be in the following day (we were short staffed). I said yes as I couldn't afford to take anymore time off unpaid. I went in the next day like deat
  3. Thanks, I will post the docs asap. I would really love to avoid court, if possible - How do I make these people understand that I can't give them what I don't have?
  4. It's been a while since I've posted about this situation, so I'll give a quick recap... I have a credit card debt with RBS for £3700ish, couldn't keep up with minimum payments (my partner and I had just bought our first house, then he lost his job!) I CCA'd RBS, looked completely valid (took it out in August 2007, online) so I offered £50 per month. Debt was passed to Triton, who harrassed me with phone calls at home and at work. I offered £50 per month and asked for their bank details so I could set up a standing order. They ignored it and passed me to Green & Co., who are now threat
  5. Thanks Vint, I'll open my parachute tomorrow! Can you point me in the direction of a dispute template letter?
  6. I received a letter today, dated 17th August 2009: ACCOUNT TERMINATION A Default Notice was recently served against you. As the amount requested in the Default Notice has not been received, your account has been terminated. We now require full payment of the outstanding debt within 14 days of the date of this letter. If you do not comply, or fail to submit proposals for repayment that are satisfactory to us, your account will be passed to our Debt Recovery Office. In addition, we may exercise our right to set off over any of your funds held elsewhere with us. As
  7. I have been reading some of the other posts and a few are saying that because I applied for the card online, it will most likely be enforcable? Do they still have to provide a CCA?
  8. Am I still supposed to receive statements once I have been issued with a DN? I got one today asking for a minimum payment of £81:confused:
  9. My credit card account has been removed from my digital banking?? As far as I can see, I have until tomorrow to "rectify" the situation (according to my invalid default notice!) Do we think this is an early sign of RBS terminating my agreement?
  10. Sent my CCA request to RBS today. What date do they have to respond by? Can't wait to see what they have to say...!
  11. It says "This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974" What do I do about an invalid DN? Does anyone know the legalities of a credit limit?
  12. I haven't had 3 missed payments in a row, I missed one payment and then had the default letter. My card was not suspended until 2 months after I went over my limit, I used it several times after hitting my credit limit. Surely it should have been declined when I tried to use it the first time I was over my limit? The default letter actually says "17 days from the date of this letter" It doesn't seem quite right...
  13. The default notice is dated 25/07/09 and I received it on 29/07/09. It says I have 17 days to credit the account. If I am passed to a DCA will they still be able to charge me interest? I'm just annoyed about the fact that these banks do this to people intentionally. Fair enough, I have a personal responsibility to keep within my credit limit, but drastic times call for drastic measures. I'm sure thousands of people are finding themselves in that position. This does not eliminate the banks' responsibility. I have a credit limit set it place. A limit. Is there nothing that stipulates that my c
  14. Thank you. I can't remember exactly, probably 2006 or 2007. I haven't sent a request yet, not sure how to go about it.
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