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About infojunkie

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  1. Rang head office, I was paid up until the 30th on the 24th so I actually owed them money! They gave me a tax return and took what I owed and paid me the balance that was left. Merry Christmas!
  2. Thanks very much for your reply. I suspect after reading your message that they must pay for the whole month, as it would make more sense with what has happened. Am not sure if the account date is actually the 10th (I was only there 3 months as hated the job:)) so I can't be sure, I just know our time sheets had to be in on the last day of the month but they did give a couple of days grace as it's shift work. To further complicate matters though, I actually left on the 18th November but my official leave date was 26th as they owed me 1 weeks holiday. Now neither my November or December payslip has any mention of holiday pay? Does this have to be detailed on a payslip? My head is boggled am proper gutted as it's a week before Christmas and haven't now got the wages I was expecting at the worst time of year. Thanks in advance for your time.
  3. Hi, I am a bit confused with my final wage from previous employer and wondered if someone could offer any help. I get paid on the 24th of every month. The cut off date is the 10th, I am on NMW. I left employment on the 26th November. So I was expecting 2 weeks money on the 24th December, however I received my payslip and I have only been paid 124 when I was expecting around 350. On looking at the figures in the deductions column it says 'tax paid' -198.40. Under the additions column is 'basic adjust' 125.14 which is a pound or so short of what they have credited to my bank account. On my November payslip it has tax paid to date 284.00 but on my December payslip it has tax paid to date 85.60. I'm totally confused! Any help appreciated as I'm going to have to ring them on Monday. Thanx
  4. My husband is soon to become self employed, he will still be employed through a company though, he is currently paying 264 pcm to the ex via a private based arrangement, obviously we dont know if at first, we can afford to keep paying this amount as its likely to be tough to build up business. Do we still have to pay this set amount? Although its a private arrangement the ex still forced him through the CSA to do the calculation only. and we pay her direct to her bank. Please dont advise talking to the ex, they are not on speaking terms and she wants to screw him for every penny she can regrdless of income or hardship, and she will not take him moving jobs into account even in the short term so he could maybe pay her more at a later date when he is established to make up for any shortfall just now. Also the child in question i very much doubt she is receiving child benefit for as her current partner is likely to be a Higher rate tax payer and surrendered it, so how does that leave us in the future when the csa used to depend on the receipt of this to extend payments up to age 20 if still in education? Unfortunately we dont get to see the child any more as she has made it so difficult for everyone and he is emotionally damaged by her so he pretends he cant hear his dad on the phone or says he doesnt want to see him for visits, its so sad.
  5. I know this thread is kind of old but i just wanted to update on account of receiving the newsletter about taking companies to court, - we did win our case in the end and they settled out of court, they first offered us £1,200 which we refused on advice from our solicitor, they then offered £1,750 which we gladly accepted, they didnt however admit in writing that they had sold us a dud car and they prohibited us from naming them in any way on social media as part of the deal. The money did put the car right like it should have been in the first place, so people stick to your guns and fight for whats right!
  6. No, not in a union unfortunately Sabresheep, probablies should be! Been in to work today and nobody wants to be named on a greivance, so looks like they will get away with it. To add insult to injury, we have also just found out that we are not getting time and a half for working a 12 hour shift on boxing day as its not the actual bank holiday as it has been moved to the Monday the 28th due to it falling on a Saturday. Alot of people in on the boxing day are not in on the Monday so its a bit hard to swallow tbh, any thoughts on this.
  7. Ahhh right thankyou Obiter, it says on the gov.uk website that the HMRC can issue the employer with an NOu (notice of underpayment) but i dont know if it will apply in this case or how to get the ball rolling as they will be paying the increased rate from November. It also says you can go back 6 or 7 years to recoup monies of nonpayment so it will be a tidy amount to each worker they have shafted if we can get it back.
  8. I have been scouring the net looking for info on this issue but i literally cant find anything so hope someone can help! The NMW increase to 6.70 on 1st Oct is not being paid by my employer untill November, it seems wrong to me. So I asked for an explanation from them last year and the reason i got was ' we are midway through a payment cycle and it cant be changed' I wasnt happy but i did let it slide, however the same thing is happening this year and Im not letting it slide again. To clarify, the effective date is 1 Oct, i get paid 4 weekly, i am due to get paid tomorow (26th) and the cut off date was 18th October, so should I receive the increase for shifts done between the 1st and the 18th? Is this a legal requirement or a guide for employers? Hey i know its not a great deal of money but its not a small company (500 employees) and if they have pocketed a few quid from each and everyone of us it sharp mounts up! It irks me to get shafted especially when they themselves are penny pinchers. Thanks in advance.
  9. Hi, i am looking for some information and i cant really find any for my particular situation. In September 2013 i started work for a company and signed a temporary contract for 9 months. At interview i made it clear i was really looking for a permanent job. I was told by the boss that he had to justify to the board the taking on of any perm people and this was not available at that time, fair enough I said. So i was of the opinion that no perm contracts were available. After a meeting with the boss around January he verbally assured me a long term sick was not coming back and that was my opening to be made permanent, great! Fast forward to Feb and 4 new staff are taken on, whilst 3 were 'bank' staff, the 4th i found out has been given a permanent contract. I was obviously upset that i had been overlooked for the permanent job and i was told by the boss that he would look at my contract. To date, nothing has been said since and Im now thinking im about to be made unemployed as work is now slower than it was several months ago, so i think i am going to be told its 'not justifiable' again, to make me permanent. Is there anything i can do about this? I dont know if it makes any difference but the man that got made permanent is Polish. As a footnote, i have been praised by the boss for my work standards, i have settled into my role really well, and have a repuation as a hard worker that is reliable. Any info thankyou.
  10. I note with interest that four 'Recruiters' working for A4E are being charged and have pleaded guilty to, swindling the tax payer and dwp, fraud and also forgery today! Wonder when they will get around to the Ingeus 'Recruiters' ...........
  11. Well the bank overdraft saga is over, spoke to them today and had to reapply for my overdraft which thankfully was approved! Cant say im over the moon as been in bits for weeks about this, and quite unnecessarily as it now turns out. I had applied for a consolidation loan last week to pay my few bits of debt off including the OD but I was declined so I was feeling quite desperate. My new bank have accepted all our I.D documentation now so just waiting for our cards and details to come through so I will still be changing and I have definately learnt a valuable lesson that this debt needs to be given some priority this year. Still dont know if my new bank are going to give me an overdraft to get it transferred over Halifax but we will cross that bridge when we come to it, for now Im just happy we are not going to starve to death til next payday! Thanks for your help BankFodder x
  12. Yeah it was very strange but the lady i spoke to from halifax compaints mentioned there could of been a change of circs with us and that they wouldnt know if this had happened. I asked her like what, and she came back with you could of lost your job or been divorced!! I couldnt believe it so i asked her if , on the offchance I may have been deivorced recently thrn they could then justify taking the OD away and she said maybe. I told her none of those things applied to me, and if anything, there is more money going through the account now than there ever has been. I have had my car hp since 2012 and no other credit recently other than the sofa i mentioned which isnt a fortune. I honestly just cant fathom this out. I think the banks should be forced to give at least 6 months notice of the withdrawal intention to give you a fighting chance, thats all i am asking. Sent another complaint off today so we shall see what happens, I am not going to give up. Husbands driving licence arrived back today so we are hot footing it down to the new bank tommorow to get the new account hopefully opened.
  13. Yeah i will do that today, thankyou for your time and i will keep you updated. I think even if they reinstate the overdraft on the first of feb(which i have been told by the lady that rang me back after my first complaint they may well do) i will be just as mad as if they dont, after putting us through this stress for weeks worrying how we are going to manage, yes pigs - agreed!
  14. Thanks for your reply Bankfodder. We have held the account for 5 years this month. I cant actually remember how the overdraft escalated tbh, i think we started off with 1k and we got it increased to 2.5 about a year after acc opening, this was just a button we pressed on online banking and it was done! We have paid 600 of it back to them and the OD is standing just below 2k at 1,900 right now. Last year i think it was, they sent out a letter saying that overdrafts over 2k would incurr a 2 pound per day charge whereas below 2k would incur a 1 pound per day charge. We got it under 2k pronto which is why its 1900 now. Dont know if this is the reason they are treating us like this now! It is an ultimate reward current account, so we pay a monthly fee of 15 per month on top of the 30 quid OD fee as well. I know its daft to live in your OD but it has been hard paying off! The account has been pretty well run, i get credit no problem when i want it, for example i have a car hp and other smaller credit. I think i will send another letter to the complaints department, mentioning the right to appropriation (id never heard of this) but tbh it didnt have them quaking in their boots in branch. At this moment in time im not really bothered about my credit rating, am just scared we are going to have no money to live on untill the end of the february if they take his wages. He is going to ask at work if he can have his wages paid into my single account which is just in my name but unfortunately still with the halifax, so am not entirely sure they could still take it out of there (i have banked with them for 22 years) I am totally mad enough to make a stance with them and i honestly think this is not right treatment, although after reading some peoples stories at least i was given some notice instead of none at all! What is your view on this 'first right of appropriation' then, is it weak? Thanks in advance. Also, am i being cyncial in thinking that this unfair and aggressive treatment is a sales ploy ie they get their overdraft back and i am forced to take out a loan WITH them to pay it off, it therefore looks like they are lending for their stats and a little pat on the back for hitting their lending targets?
  15. Hi, just looking for a bit of advice about halifax and them withdrawing a 2k overdraft on a joint account. I received a letter from them as my yearly overdraft review was due (it has been approved every Jan since account opened 5 years ago) stating that they are withdrawing my OD as it has 'expired', the withdrawl letter was dated 6 jan, and i recieved it on 10 Jan, saying the withdrawl will take place on 1 feb. I rang them straight away and was told that they are not willing to discuss the matter untill the overdraft has lapsed. Also they dont have to give a reason why. I then wrote an email complaint to which i have received a reply, reaffirming it will not be discussed untill 1 feb, and 25 quid for my troubles. I ststed i was aware that an OD was a short term borrowing facility, and i was more complaining about the 20 days notice. As i dont have the 2k to pull out and pay it off, i am panicking as they are going to start charging me 5 per day plus interest and charges for using 'an unauthorised overdraft'. Further, my husbands wages are due to be paid in on 31 Jan and i am scared they are going to freeze them and use to repay overdraft. Now i have kick started a new acc opening with another bank but it has ground to halt as my husbands driving licence had not been updated with our new address (naughty i know) so the new bank has asked him to contact hmrc and get a tax notification letter but this is going to take 7-10 working days to get to us and obviously his coming payday is going to be here before that letter will. In desperation i contacted CAB and was advised to make a first right appropriation letter to the bank which i did. I personally took it to the bank and the lady disappeared with it for a good 15 minutes. She came back and said hands are tied nothing more they can do, before i left she tried to flog me a loan, and said if i do it now my chances of getting it are extremely good, if i wait til feb and they have messed up my credit rating by withdrawing the OD - i probablies wont get it! Nice. Is there anything else i can do? I cant believe they can do this. I have a good credit rating (just purchased 3k sofa at dfs in december no probs) my account has been ran in exactly the same way since it opened, the OD has been paid off in its entirety many times, and we have volunatrily made payments to reduce it over time by chipping away when we could afford it (it was originally 2.5) As a foot note, and rather ironically on the same day i received this bombshell letter about the OD, in a seperate letter it was Halifax offering me a pre-approved loan of 15k!!! Also over christmas my chip and pin card got damaged so i had to ring to order new one and they offered me a credit card with a 0% promo rate! I just dont get it, any suggestions appreciated.:
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