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tired mommy x

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About tired mommy x

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  1. I have sent the letter off today. Lets wait and see what it brings. I have also asked for an address of an independent body to complain to. Is there such a thing? Thanks for you help.
  2. I sent them an SAR back in 2016 when this started. I had 6 parcels delivered which had roughly a thousand or more sheets inside each parcel which are just screenshots of computer screens. Copy after copy is just the same thing. They mean absolutely nothing to me at all. I have now found the award notices for most of the years we have claimed. Some of them say that they are amended awards but there are figures on there which say amounts have been reclaimed. I am going to go through them year by year and try and see if I can get the figures to match what they are claiming. The only thing I am unable to locate is the last letter from them saying the reclaim was due to us not sending in a completed form. If I ask them for specific correspondence from a certain date, would they send it without sending me the whole lot again? Thanks in advance.
  3. Looking for some advice regarding dealing with the Debt Collection Department at Trafford dealing with an 'over payment' from 2005/2006/2009/2010 totaling over £8000.00. Was in discussion with HMRC back in Early 2017. Their last letter being April when they listed the years they were claiming for and stating the reason it was an over payment was because we hadn't signed and returned some declaration in 2005 + 2006 + 2009 + 2010. My last letter to them stating it really wasn't an over payment they were just claiming back every penny we have ever been issued because of 4 unsigned forms went unanswered by them. Nothing else from them until last month came the letter from the debt collection department. I immediately issued a letter stating I didn't agree with the amount being claimed. I didn't think it was an over payment. We were entitled to the money that they had 'awarded' us and to contact the previous person I had been dealing with three years ago. I requested they obtain copies of all correspondence from 2017 and send me a copy. On 02/04/2020 I received a telephone call from Trafford to say thank you for the letter, they couldn't obtain the documentation I had asked for, I had to do that myself and then could send to them and due to the virus they were suspending collection of this amount. The person on the phone couldn't advise me how long it would be suspended for. I asked him to put it in writing advising me they couldn't get the docs I have requested and that it was temporarily suspended. On 03/04/2020 I received a letter to advise they were applying to my employer to instruct them to adhere to the attachment of earnings order and deduct a percentage of my wage and send to them. It had a copy of the letter inside addressed to my employers. On 06/04/2020 I received a letter thanking me for my letter of the 17th March. They attached a sheet detailing the over payments that they were claiming. Confirmed they could not request the previous correspondence and I should request this direct from HMRC. In the event of a dispute I had to contact HMRC. They wouldn't suspend collection until advised by HMRC but under the circumstances they arr temporarily suspending recovery action. They will write to me soon about paying it back. 2005 £821.53 2006 £1635.14 2009 £390.76 2010 £1298.62 My husband has received an identical letter with the same figures on. I am unsure what to do now. I don't want to sit on it until they start up the recovery again. Do I now contact HMRC and continue to argue this out with them? Can they legally take money from my wages even though I am disputing this? Does me not signing a form constitute them being able to recover everything I have been paid? My youngest child left school in 2016 and I never claimed for 2007 + 2008 + 2011 + 2012 + 2013 + 2014 + 2015. Can anyone advise me of where I go from here? Thanks in advance of any help anyone can give me
  4. In March last year I sent a PAP form to Lowell and received a letter saying they would deal with it and come back to me. In October last year I sent a PAP form to Lowell and received a letter saying they would deal with it an come back to me. both were the one off here and not the one they sent in their letter. Earlier this year I had a letter advising me that Vanquish had reduced the debt due to the miss-selling of Insurance. Just gone onto my previous thread bit it says as there is no new thread for 378 days i should start another. Now got a 'Payment due' letter with the new amount asking me to contact them today. They say they are the new owner of my Vanquish account. That's a lie because every other letter has come from them. Do I just send another PAP form and SAR to Vanquish? Dont mind going round this again. Thanks in advance.
  5. The Chief Executive I have emailed left the company on the 13th September. After a little email tennis with a lady who has picked up the email, it has been forwarded to someone who is processing me a replacement gift card and it will be with me in the next few days. Result? We will see.
  6. I have just emailed the Chief Executive of Pandora to see if that gets a response.
  7. I have been to the Pandora shop in the Trafford Centre in Manchester tonight to purchase a bracelet, safety chain and cleaning kit. Tried to use a gift card I got last year for my birthday. Lady scanned the card and it showed the card was valid till 23.09.2021. Balance on the card was 50.00. Available balance was NIL. Lady said they are only valid for 12 months and showed me the date written on the reverse saying 23.09.2017 and where it clearly says on the card 'Valid for 12 months from date of purchase'. She said it obviously isn't down to them, it is the card issuer, but she couldn't accept it as part payment for my purchase. Suggested I ring them but only got a recorded message saying it was 12 months. No more info. If the balance wasn't what I thought then it could be down to card fees processed by the issuer. To say I am fuming is an understatement. Does anyone have any idea if this is legal? That gift card was purchased in good faith. The person who purchased it wasn't advised it only lasted 12 months. It has happily sat inside the card it came in so it didn't get lost. Do I now accept that Pandora have 50.00 of my money that I cannot spend with them and apparently not get back? Or is there some way I can take this further? Apologies if I have listed this in the wrong thread, but any help would be gratefully received.
  8. Title says 'Letter of Claim - 30 days to Prevent Legal Action'. Letter is dated 15th September 2018 Says they are acting on behalf of Lowell Portfolio I Ltd. Reply Form is the one with options A to I and I have to fill in and return the form. If I don't, it could result in court proceedings. Exactly the same as I returned back in March.
  9. And this has raised its ugly head again..... Just received a letter from Lowell Solicitors. Exactly the same vein as last time. They are acting on behalf on Vanquish to recover the debt. I have 30 days to respond. enclosed is a 'Background to your debt - before a claim is issued' sheet. Also enclosed is an information sheet about seeking debt advice. Finally a 'Reply Form' for me to complete. All the same boxes that I printed off from here, filled in and sent them back in March. Do I do the same again? Do I find their letter advising me it is in hand and they will come back to me? Do I send a letter advising it is in dispute and I am still waiting for the information previously requested back in March? I take it I don't just ignore it?
  10. I have been with Virgin since December last year and wasn't happy before these channel cuts. I watch these. Do I have a right to get out of the contract? Is a 10 channel loss enough to opt out as a change of contract? Didn't know about it until we went on one of the channels and it informed us it was going. Sorry if this question is in the wrong thread x
  11. Still trying to locate a copy of her contract. Don't want to arouse his suspicion and ask for a copy. Looking on my calendar for last year, I think it was signed around June time. The notice in writing still hasn't appeared and we are now 2 weeks in. The boss's wife has told her she is now on the national minimum wage so her wages for this month will be a bit higher than normal. She has spoken to the lady who comes in to the salon to train and although she hasn't been signed up to them, she has agreed to help her find a new position and has put her on her list. She advises she is near the top - but unable to guarantee anything at this moment. If I was to contact her, would she be under any obligation to speak to me? She has been taken off the training schedule and is down to work in the salon only. The boss actually advised her that things may still change yet. He said they may keep her on or she may find another job. As I have had words with his wife before now, I think that maybe just to sweeten her as I haven't jumped in and done anything yet. Obviously I want to get my information correct before doing so. I have asked my daughter to request her notice in writing - does anyone think that will affect the way that he treats her going forward? Thank you. Tired Mommy
  12. Thank you for your comments. I will did out the contract. Am I right in thinking that if it is fixed term, he cant get rid of her early? I think she was actually given her contract in the August, but I cant be sure till i find it. How do I know if it is fixed term? I will study the links supplied. Thanks again.
  13. I have received yet another letter advising me that the documentation I have requested is now being processed and will be with me as soon as possible. Will let you know when it arrives.
  14. Unsure if I am in the right section to ask this question so apologies if I am not. My daughter is currently on a hairdressing apprenticeship with a local salon and will have been there 2 years in May. She has qualified for level 2 Hairdressing and should be going on to do the level 3 as a designer in the salon. A couple of weeks ago the owner of the salon took her to one side and advised there were no designer places available and she needed to have a think about her options whilst she was off the following week. He didn't advise her what her options were and gave her no indication of where she could find any assistance with it. Just to consider her options. He didn't sign her up to the new Apprenticeship people they have gone with despite transferring all the other assistants. She told him her Dad would probably ring him to speak to him about this matter and was told he didn't know why her Dad would ring as he didn't have anything to say to him. On Saturday he took her to one side again and told her he is giving her one months notice. They usually on give one week but he thought that was a bit unfair given the amount of time she has been there. He will give her the contact details of the lady who runs the scheme for them and 'hopefully' she will be able to assist my daughter in finding another placement to do her level 3. I am trying not to interfere in this as she doesn't want to make it awkward in the last month of her working there. But at the end of the day, she is only 17 years of age and obviously not as worldly wise as her mother. I think he should give her this notice in writing and not verbally. I also think he should advise the reason for letting her go. I think the 'talk about her options' was his way of telling her to go and when she didn't, he had no option to tell her. I know there has been one member of staff who has been doing a lot of tale telling to the owners wife and this has included my daughter in the tales more than once. She has 'invented' a problem between my daughter and another member of staff when there wasn't a 'problem'. This was confirmed by both girls. I had to have words with the owners wife regarding her conduct at having my daughter in tears over this matter. The salon is well known in the hairdressing community for bullying its staff but my daughter has managed to stay of the radar so to speak. Half of me wants to let it go and get her the hell out of there and the other half of me wants to go in and rip his limbs off. So if you can answer any of my questions below I would be grateful. Can notice be given verbally? Can I ask for it in writing giving the reason for it? If he puts it in writing the reason is no designer places available, then makes somebody a designer, do I have any comeback? Any help or advise anyone can give would be great.
  15. I sent them a printed copy off here, not the one they sent in the letter. I ticked all the boxes advised. I also wrote the list of additional things I required them to supply. I sent the PAP form to the Solicitors and the £1 with the CCA Request to Lowell. Obtained proof of postage for both. Do I still need to SAR Vanquish again as I cant find all the info from the previous one?
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