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makkapakka69

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Everything posted by makkapakka69

  1. But that's the point here, we have always previously been paid from home! - Clock in at home, finish at base. So in terms of the new regulations, the company was already complying with the ruling. They seem to be using this ruling to now move the goalposts.
  2. Yes, I have asked for an up to date copy of my contract from HR. The copy I have only mentions ad hoc overtime and is from when I first started with the company. However I am now on an out of hours standby rota of 1 in 8 and also a contractual weekend overtime rota of 1 in 8 with 8 hours guaranteed on a Saturday at time and a half, and 8 hours on a Sunday at double time. This has been the case for about 10 years. I started on these rotas in 2000 when it was 1 in 6 which then went to 1 in 7 a few years later, and finally to 1 in 8. I was compensated for these previous changes.
  3. Thanks for all your replys. Been trying to find out more info before coming back. I was on holiday when the initial announcement was made to the team, so been getting some clearer info. In response to the questions: No, I'm not personally in a union, but some of the team are. Apparently, the union has had wind of this for a while and the company has refused to negotiate on the matter. The union is asking its members to rebel and keep working as before, and if wages are deducted, then claim for unlawful deduction of earnings. They reckon it is breach of contract!
  4. Good evening all, I'm after some advice regarding changes my employer has made to my working day. Following the ruling in 2015 regarding travel to work time for mobile workers being counted as "working time", my employer has brought in changes at work from the beginning of this month. I work in the utilities industry, and my job involves me travelling around from site to site carrying out my duties. These sites include both company assets and customer properties. At the end of the working day, it is required that I return to my base location. Up until now, my wo
  5. Any updates on this matter??? In the same boat as the others - Been paying 1st Plus since 2005!
  6. I agree! Pity it took over 3 and a half years waiting at the FOS to get it finally sorted! Thank you for your assistance ims21. MP.
  7. Right, well that increases it higher then: Totals are now: Monthly payments of ppi £7925 8% Simple interest £6576 Total £14,501 If I add up altogether the payments that i've received from both loans and also include the extra that they are now offering, then once the deductions are made for income tax which they automatically take off, there is about a £120 difference. So it looks like this extra offer is fair! MP.
  8. Then it seems too low! - Or do I need to also included the percentage of the amount I paid to settle loan 2 which was ppi? (Minus the early settlement rebate) MP.
  9. My scanner keeps making my laptop crash so cant upload anything! (I really need a new laptop :/) I got full statements of account for both loans through my SAR. Loan 1 definitely does not show any refund being applied to the account. Loan 2 shows a refund of £311 being applied. Have worked out that 17.12% of loan 1 was made up of ppi, and that when loan 1 was settled £1,749 of ppi was rolled over into loan 2. % of loan 1 ppi in loan 2 payments = 7.07% 17.49% of loan 2 payments were ppi. Have put all loan 1 payments, loan 1 roll over payments into loan 2, and all loan 2
  10. I've done some calculations using the formula, but i've got a couple of questions. I did not get any ppi rebate from loan 1 when I refinanced with loan 2, so do I included the amount rolled over on the spread sheet? I've followed the instuctions and added each payment made for loan 1, then all payments for loan 2 including the extra payments for the rolled over loan 1. Is this the final total or is there any other interest to add onto the total? MP.
  11. Yes, I have all the repayment dates to hand. MP.
  12. Thank you for your quick reply ims21. I've already looked through your tutorial, but i'm still having trouble working things out. The FOS are currently investigating loan 1 only. I accepted Lloyds offer for loan 2 back in 2009 without even questioning their figures. (Before I knew about CAG!) Would the FOS be willing to look at it again after so long? Have I shot myself in the foot by reclaiming each one separately, as the redress seems different. That is what seems to be confusing me. Can I now claim both together? MP.
  13. Hi all, I would be grateful of some advice on the following situation. Over the previous few years I have been claiming back PPI on 2 loans from Lloyds Bank taken out in Feb 2001 (£10,000) and Feb 2002 (£20,400), the second of which was a refinancing loan which replaced the first, and which was settled in Oct 2005. I previously started a reclaim on the second loan in 2009 and this was upheld by the FOS, resulting in a refund of £7947. I did not challenge this figure as at the time I did not believe that it may be inaccurate, so I signed the FOS acceptance and payment was eventua
  14. Hi all, Sorry not been on here for a while, but I thought it was time to post an update. In the end, after much pressure from my better half, I decided to cash the cheques sent by Lloyds as partial settlement only. They did not send me any forms to accept the settlement, so I thought by doing this I wasn't closing the file altogether. I then sent Lloyds a detailed letter of complaint to their head office including a full schedule of charges asking for the difference between the two amounts. Also in the letter were details of the defaults as described in post 92.
  15. Are there any previous cases similar to this where the account has previously defaulted? I thought that you always got the 8% stat?
  16. My old scanner got chucked when I updated my computer, but i'll see if i can do it at work or borrow one. Can you comment on the fact that they haven't paid any stat 8% interest? The refund only consists of refund of premiums plus their alleged APR attributed interest plus simple credit balance interest. Why have they got zero for interest on difference from account closure date to refund date? MP.
  17. Update, Right, Lloyds have finally got back to me and have increased their offer. They have also provided a full breakdown of the account from when it was opened in May 1999 to when it was closed in December 2008. This includes figures with the ppi included, and a reconstructed version with the ppi element removed. Their revised figures are as follows: (I've rounded them up or down) Actual closing balance £6,600 Reconstructed closing balance £3,700 Difference between closing balances £2,900 PPI Premium Paid £1,800 APR interest attributed to PPI £1,100 Tot
  18. As an aside to the ppi: Having just been looking through my credit report with Experian, i've noticed that this account is listed twice with Lloyds and DCA. The balances are the same, but the default dates are about 3 days out. Now I know that you can only be defaulted once, so an error has already occured, but is there any way I can attempt to get the defaults removed completely as the account is made up of a now confirmed PPI mis-selliing? I reason I ask is because we are looking at moving house next year and therefore require a new mortgage. My defaulted debt
  19. Just a quick update: Have contacted Lloyds again challenging their refund and asking for full breakdown of figures. Have received a reply saying that they will be in touch within 10 days. MP.
  20. Thanks again dx, So I am I right in thinking that they should have paid me £5,500 now rather than the £1,250 they actually paid - as per post 85? If I take it to court then I claim up upwards of £10,000, but I cannot also claim s69 interest as well on top of this? Will get back to them and ask them to provide a breakdown of their figures. I'm hazarding a guess that they have only gone back 6 years, and not all the back to 1999. Will post when I hear back from them. MP.
  21. Would that be stat interest on the balance at default including the compound interest, or just stat interest on the ppi premiums? Either way they have short changed me as they have only paid £1,250 before the extra for distress etc. If I run the CISHEET up to todays date, then it totals just over £10,000 in payments and contractual interest alone. Would s69 interest be added onto that figure too? If so, then there's a massive difference between the 2 options. I'm tempted to go down the court route as they have already admitted liability by agreeing that the ppi was mis-sold? Surely t
  22. Right, here goes: I've used an apr of 18.9% and so far only calculated all the statements I have from Jan 2000 onwards. The total inc compound interest is just under £4,000 Then putting the £4000 into the other spreadsheet gives a grand total of just over £5,500 with stat interest on top. Does this sound right? Should they be paying this now, or would this only be payable if I went to court?
  23. Thanks dx. The apr ranged from 16.4% to 21.4%. So do I take the average of that range which would be 18.9%, or do I need to add up each individual apr and divide the total by the number of months? In their offer letter they said that they calculated up to the date the account was charged off, but they actually stopped interest well before that. Also what about when the account was in credit as no interest was charged then also? MP.
  24. A couple of questions: Do I need to complete a separate claim form for each time the apr changed? Also, what dates do I put in for claim from and claim to? IMS said that I could only claim upto the default date?? Cheers, MP.
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