No contract, one was promised but was never forthcoming. I raised the issue recently and was given an apology they "forgot" to issue one, many other employees have never seen theirs or received pay revue dates etc. It seems after further talking to CAB that they can indeed delay like this as its a normal pay cycle and they arent actually witholding or refusing technically, certainly Ive been advised theres nothing written specifically about exact time periods, only monies are due upon leaving but nothings covered on exact timing. Stuff them, Ive been offered an earlier start date of Fri instead of Sat by new employer, and for a better first site/job, seeing as Ive never seen a contract working short notice and then cutting that short gives me no pause for remorse, as of today and tomorrow Im "ill" which will see out my notice. Itss half true, Ive been suffering symptoms of repetetive muscle strain in both forearms since doing this work. I certainly need the rest cant go from a heavy late shift to a new job early shift next day Ill look and perform terrible so day off today! I have an exemplary record with this employer, Ive gone way over and above what is required so the utter lack of goodwill leaves me with no reservations about terminating like this. If they then cause me problems end of August theyre for it as they will then be in breach. Ill just have to wait and see, as its technically money now or money later at this point and a financial gain at the end of next month will be useful instead. Thanks for the advice.

Thanks for replying. I understand it might be normal but is it right, in the sense of when Im entitled to receive? Got a tough month financially changing jobs and no real funds in hand to buffer things, was unemployed for a while before starting current job and Im still coping with arrears on bills etc. If I am entitled to the money upon leaving that is when I really need it. Changing work as the current job is beyond a joke physically and tasks wise and vastly different from what was described upon hiring.

Hi folks, not been on in a while. Got a question essentially about when final sums and accrued holiday pay are payable on/after leaving an employer. To give some details. My employer cuts off the last working week of the month so they can use an external payroll company to calculate pay, leading in effect to a week lying on - so that the last week of a month falls into the following months pay period. I started mid march, and gave notice on 17/07/14 (last day of work 25/07/14) with the July payroll cut off being 18/07/14 and payable on 27/07/14. I am owed 4.8 days holiday which has been rounded up to 5 days, this will be paid to me also. My employer claims that due to the cut-off for payroll, they cannot/will not pay me my final weeks pay for the lie week and the sum owed for holiday pay until the next payroll period at the end of August. Ive tried disagreeing with this but they're not moving on the matter. I also don't like the idea of having to wait at least a month for a P45 when I start with a new employer on 26/07/14. I know the rules state that pay owed and accrued holidays owed are payable upon leaving, but can they get away with delaying as described or are they just mucking me about to save having to pay their payroll provider to make out of schedule corrections? I tried contacting the CAB about this but the advisor wasn't able to answer definitively and the number they referred to me for 15m free employment law advice thus far goes to answer and despite leaving a message no return contact yet. Id like to go back at them asap if they're wrong as I have 3 days left until leaving so any clarification would be appreciated.

Thanks for clarifying. Yes the DCA's named in experian are correct, they seem to have taken over the original OC records perpetuating the defaults. I will get the new requests off tomorrow and keep this thread informed.

I was notified of the transfers/sales by OC However I want proof from the DCA or the chance to null the debt. So categorically £1 missing = invalid or just possibly, sorry but need a definitive answer. If requests are invalid Ill repeat witth payment and see where it goes. My main goal is removal of default by whatever route as long as I dont have to pay the extortion parts of the payments, I'd even go as far as paying the original loan amounts in full as one off payments in settlement. However I need to get formal, postal written communication going which as yet has not extended beyond comedy letters.

Thanks for the rapid response. But what of the failure to include £1 sums, are the requests still valid and they have to request payments, are they invalid or are they valid regardless? I wouldnt mind negotiating settlemets, if they were reasonable. However I might as well refuse to pay as the damage is done if they wont negotiate. My main concern is to make the debts invalid, remove defaults and/or negotiate settlement if its necessary.

Hi folks, lurked and read on here before, helped me somewhat so thanks. I have a situation going on whereby 2 small payday loans and a retail loan ended up with me having difficulties paying due to risking a lot on self employment on the promise of work which turned out to be a lie as to how much, loans occured towards the end of quitting self employed when all money had evaporated and was desperately trying to make ends meet. I tried everything to discuss and debate with the companies in question once Id successfully halted the sums growing much bigger or having ongoing costs. None of them were reasonable and all 3 have eventually binned me into DCA's. Ive battled with the DCA's a bit putting up with the usual sewer tactics. Currently all of them have been issued cca and non harassment letters asking for proof and the whole 9 yards of owning the debts etc. All 3 requests stand at 18 days and counting totally unreplied (from recorded date of delivery), although the post and phones have gone quiet. All were delivered recorded and have date of delivery proof. The problem is 2 of the debts have defaults and continue to rack up late payment scores at experian. One debt is for virtually the original loan amount, 2 are double the original loan amount! Mackenzie Hall, Moorcroft and Mercantile Recovery are the companies. I can be more specific on each debt if required. Heres the questions : Am I right in thinking these companies supposedly bought the debts for peanuts compared to the stated value of the debts? Due to an error the cca requests were sent without the £1 payment, where do I stand? After 12 + 2 and 30 days can I then issue disputes on the defaults and sums and try to get the defaults removed? I realise trying to agree a settlement amount then paying off now would just get me shafted and likely defaults remaining, if I could get these buggers to communicate by post with a promise in writing and payed by a method they couldnt steal from and then settle, would I stand a chance of those defaults removing?