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numbers666

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numbers666 last won the day on June 17 2015

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  1. You pay the official receiver for PD kitchens as listed on companies house. They have a bank account for it. If you owe PD kitchens... To stop bailiffs you need to get this before a court quickly on an application. They do not know that the CCJ was issued in the wrong name and can continue enforcement. You also cannot pay Horsham as the judgement is in PD name. You need to get this back to issue stage and defend - tell your solicitor to get the judgement set aside, as issued in wrong name, you have no financial connection to PD ie owe nothing to them. Then produce evidence that the invoice they allege are due were paid. Also, the receiver is the only person that can issue a claim, and you should be speaking to them to make sure they are aware the director has issued a CCJ and enforcement whilst in liquidatation, and is now asking you to pay an alleged debt for the liquidate company to his active. This is detrimental to the creditors of the liquidated company, if proven you owe it, but you don't as you don't trade with them, and have paid all invoices. Get your solicitor on it!
  2. As you don't owe the money to the company on the CCJ you could set it aside. If you do owe the money, you pay it to the company named and by virtue to the liquidators / appointed insolvency practitioner. To do otherwise would be detrimental to any creditors of the liquidated business. This will discharge your indebtness. Ultimately he needs to remove the judgement in the wrong name, alternative you can make application to do so then reclaim cost when you successfully defend new claim issued by the correct claimant. You have records to evidence no debt is due or in dispute ? Also search beta companies house and check the legal status of both ltd companies. If you really want to make life difficult ensure that the appointed is practitioners are aware of a linked company and possible depravation of funds. N
  3. Fill in DS01 and file at companies house. If a creditor disagrees they can pay to fight it. Legally all the debts are the ltd entity. You should not have been paying them personally unless you signed a PG, even then if not named on the judgement, not for you to pay. https://www.gov.uk/strike-off-your-company-from-companies-register/close-down-your-company
  4. My company which is a international hotel owner and operator utilise both of the biggest housekeeping agency suppliers in the UK- one of them has 3 letters in the name, the other ends in care. Both pay an hourly rate to the staff. For invoicing purposes to to us as the customer we are charged per room cleaned. It is expected that a worker cleans 2.2 rooms per hour. We are charged somewhere between 5.50 and 6.50 per room cleaned. I would check the payslip and ensure that hours worked and pay do not fall below nlw. Happy to assist further...
  5. We use the same system in our hotels. It does not store whirls, but takes measure ments of width length etc. Having said that, if it prevents fraud then any system is better than pen and paper. The flip side is it also accurately records time worked for the employee. If you are loosing half an hour for being a minute late, and on minimum wage \ living wage, this is illegal. If the company is doing great this routinely as a procedure report them to HMRC minimum wage investigation team. They will take action and ensure the payment of lost wages is made and fine the company and publicly shame them. If you do not sign out for breaks you must be paid them. You cannot have a uniform fee, locker deposit or any deduction that brings the time you worked and pay below the NLW. By signing out I mean you can leave the site of work and do your own thing. You cannot be asked to just take a look at this. I believe you have nothing to fear from the technology. Embrace it. And use it to your advantage. N
  6. My companys pmi is a taxable benefit of 567 pa as stated in my p11d. Just for cost comparison. Whilst is is part of my perks, I have to opt in. It is not automatic. Regards C
  7. A DEO would still need to be notified to and actioned by your payroll. They will also need to undertake to make bank transfer for the deduction from pay to the beneficiary on the DEO. Multiple government departments can issue a DEO without judicial oversight. I have one case ongoing with HMRC, to which my local MP is assisting. I will provide a vast ream of paperwork to the site team once progression is made. There are multiple disclosures made, and in the latest raft of benefits system dump, my NI number has been linked to another person, in a county I have never visited let lived in. Whilst this was being investigated by HMRC, another department issued a DEO, after my MP on the same day was to!d no action would be taken in this manner. In the space of 2 days my payroll received an order to deduct, the next day a recension of the first! In my position any ccj, court order etc is gross misconduct. Luckily HMRC made good on this error, and were very apologetic. Didnt mean to hijack, but these types have statute power from multiple government departments.
  8. Great it's Amex - they don't screw around it's not illegal but if you are not aware of the charge it's unfair. Also amex charges the retailer the highest commission at around 3.5 % compared to visa master at 1.04 to 2.69 depending on card type. They appear to be passing on the credit card commission cost. If they are doing this, please name and shame the hotel and it's group. Or you could offer to pay on a debit card, that is generally a flat rate .25p. When you do charge back , you will still need to pay for the service . You may like to know that each charge back costs the business 25.00 through EMS and BMS.... If they continue to fight the charge back once it has been debited from their back, abitration through Visa Master for example will cost the company 500$ minimum if they lose. Most companies abandon at this point dependant on chance of success... Insider secrets ....shhhh
  9. Charge back... Charges not recognised. Hotel would have to prove by reg card \ booking. Booking.com etc forward card details to hotel to charge. Most hotels preauth these i) to check card is valid not stolen, ii) to ensure funds are available. Some hotels process these a couple of days prior to arrival as a deposit on account, others on Checkin when you will be asked to present card and enter PIN. PIN entry removes merchant liability shift as the card was in possession and was not keyed as in customer not present - no defense by merchant. In all this booking.com laterooms, and others like charge a minimum of 12% commission to the hotel. Go direct to the hotel for a better deal, either web or call. Book room only. Usually on Checkin, you will be offered breakfast at a discount rate, between 5 and 7 £ per person. Don't forget the group loyalty scheme. Most schemes offer a comp bar drink on arrival. I am an accountant for a multinational hotel group with > 10000 hotels worldwide. Always look at the hotel group website. Consider also, that if a room is producing a higher rate (as not commissionable to an external agency) you are likely to get a better accommodation and or a comp upgrade if available- shouldn't happen but it does. A booking making 40 quid net, is always going to be allocated to a lower standard than a room generating 56... And the free breakfast in the rate isn't free, it's built in as an allocation.... Maybe 5-7 per person. But to the OP charge back the total cost,let the bank deal with it... N
  10. Having being spending a huge amount of time dealing with accruals for this for my company since Jan... Company has 2400 plus staff multiple sites on varying contracts. Holiday pay is accrued based on the contract hours of employment. If you are contracted for 18 hours per week, you accrue based on this, if you are zero hours, it's based on 13 week average. If you are salaried 40 hours \ week it's based on this. The stat minimum in UK is 28 days , or 5.6 weeks, based on your hours worked for a normal working day per your contract. This is 20 days leave plus stat public 8 hols. Your contract may state additional days due to length of service. I hope you are being paid overtime for the additional hours, or the very least leiu time ? Interesting on a side note, we found partime staff getting the 28 days off as above, but instead of being paid 4 hours a holiday day (20 hour week , 5 of 7), HR was paying BH and holiday at 8 hours, so doubling the pay!!! Nice!!! I also asked the question you did, as I work 15 plus unpaid per week additional hours ( salary based on 173.33 hours pcm) and said I would like to accrue based on this.... The response from our external HR consultants was as above. When I am back in orifice I will dig out the email and post the case law they kindly quoted. Is there any chance you could go zero ( I don't like it), or change contract to actually what you work ? I think an approach to ER... 'look, I am helping you here by covering this, how about doing something for me ?' flip side of this is they take away the additional, and give it to someone else!! I guess you need to way up the additional £ now, or the loss of a few extra holiday hours... N
  11. Don't forget your accrued holiday entitlement for the maternity leave if you have not already taken it... KIT days ? N
  12. I had the same issue over multiple years. Penalties and interest for non return of SA forms after returning to employment from self employed - I had to SAR the revenue as I disposed of letters older than 6 years. In the pack was copy of letter from them in 2004 stating that I no longer had to fill in SA forms. Despite this I had to fill in 2004 to 2013, of which the first 5 years were out of time. It was only after contacting my local MP, and onwards Lin Horner, that 15k of penalties were removed, as no tax was due for that period. I may add that HMRC never contacted about the debt, despite having my address via PAYE. It was a DCA that contacted me!
  13. Never allow a pre auth on a debit card. It can take up to 14 days to release compared to 7 days on a CC. EVERY merchant has a pre auth release method, not your bank, but the intermediate service like elavon, Barclay's merchant service (BMS), global pay. Some are via email, others via fax. The quickest method to release a held amount is to complete using the pre auth code for a penny. This releases the balance overnight \ 24 hours. Also LR screwed up. They provide to the hotel your card number as a guarantee. They should not have charged. What should have happened is either, the amount was taken as a deposit and applied as a credit on checkin OR charged on arrival. If you no showed it would be charged the day after arrival. I am an accountant for a large international hotel group (top 2). Our policy is to never charge a debit card as a pre auth for precisely these reasons. As pointed out, go direct to the hotel either via mail or call - get the local number, not the call centre. When you consider hotels pay a minimum of 8.33 % commision, to 15% for the likes of LR \ Booking.com \ Expedia, to a massive 22% for Secret Escapes , you can negotiate a better deal, and use the hotel group loyalty scheme. Some agents WILL charge you on booking, and deduct the commission before paying the hotel for your stay.
  14. Hi Gany, My concern was the way the article read, that an automatic SA is granted on application. No where did it say that you need a valid reason on top of incorrect address to be successful. That is why I consider a lot of 255 quid's throw at it, with no certainty of success. If the incorrect address is the only reason then the variation is the better option financially. Credit file is trashed anyway. BF's post 6 by far reads more structured and helpful. And yes, I believe that it should be SA on application, wiped from CRA files, pending a new hearing. In many cases, these unregulated CRA's dole out punitive punishments for such small amounts, on judgements by default, often in cases where the debtor was not aware. By SA, the debtor has the opportunity to defend, or pay before any registration on their records. This has to be a better solution. We also need some regulation on what can be reported, and an easier recourse to have erroneous data removed, without resorting to pulling hens teeth. And perhaps, a sliding scale of cost of application, based on debt value, the same as value is relevant to the cost of a creditor issuing a CCJ. No way an application for a debt of 50/100 quid should cost 255.00 it's prohibiting for some that are not entitled to remission. C
  15. http://www.dailymail.co.uk/money/guides/article-3798933/Don-t-let-debt-ruling-knew-ruin-life-year-900-000-county-court-judgments-handed-s-fight-them.html Please make them stop....can see a lot of people throwing 255.00 quid at these. It's a shame as the old address issue needs to be out there, had the reporter \ editor done some proper research, this could have really got it out there. Maybe needs moving elsewhere.....
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