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Everything posted by ITPR

  1. unfortunately they are not here at the moment but as far as i know the original job was for a deputy manager position the interviewer contacted her around 5 days after the interview said although she was extremely knowledgeable and easily qualified for the job she didn't know enough about the ethos of the company. But the had another position for a nurse, she told the interviewer that that was not what she wanted to do and told them she would have to decline their offer. for 2 to 3 days the manager contacted her via email / text saying that if the position was for 4 day
  2. just to add the contract she signed was quite basic and stated just 48 hours and the £ per hour.
  3. I am asking on behalf of a friend regarding a problem they are facing. She was working in a job on days but it was quite a distance to travel so she sought employment elsewhere for similar hours but more local. whilst still employed she was interviewed for a job position by a different company but only 5 minutes from their home. The job she originally went for was not offered but they was given the option of a different position on days with the view on progressing to the position she first went for. they asked my her how much notice they needed
  4. The car is in my name as i am the the one registered disabled and the blue badge is in my name also
  5. 1 The date of infringement? 17th December 2019 2 Have you yet appealed to the parking company yet? [Y/N?] No only received ticket yesterday 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] N/A at this moment in time 4 If you appealed after receiving the NTK, N/A at this moment in time 5 Who is the parking company? Gemini Parking Solution 6. where exactly [Carpark name and town] did you park? Stepping Hill Hospital Carpark, Stockport, Cheshire.
  6. had to visit hospital for an appointment yesterday, my wife is the driver of the vehicle as i am unable to drive. The entrance that we needed to enter the hospital has a car park right outside but at the time of the day all the parking spaces were full. i have a blue badge due to being registered disabled, my wife drove around the car park a couple of times to check for a space becoming available but was unable to find one. as to lessen the walking distance and make sure we got into the hospital on time my wife had to park the car at the rear of the car park, unfortunat
  7. My wife set up Odeon Cinema limitless memberships around 9 months ago. At the time my wife was working full-time earning quite a good wage so there was no problems paying the £17.99 per month each to enable us to go out now and again and have a bit of time to ourselves. unfortunately my wife has, over the last 6-7 months, had a number of problems including blood clot on the lung and problems with her kidneys and a number of other serious problems which caused her to lose her job. At the moment our only income is universal credit which has over halved our monthly in
  8. i am writing on behalf of my wife. she was employed as a manager for just over 6 months, her employer phoned her up just under a week ago and told her they was terminating her contract as of immediate effect. This was done without any probation meetings and no meetings prior to raise any concerns. I don't want to go into much detail as at the moment she has just started by raising this problem with ACAS. The employer has since claimed via a letter a fictitious probation meeting took place AFTER the dismissal via phone call! This was probably done by them to distract from they acted unprof
  9. thank you for the reply, the letter has been compiled and sent off regarding the VT now if possible could someone please help with letter that can be applied for reclaiming penalty charges, and also one for claiming back the mis-sold gap/mpp protection... this was added to the cost of the car as it was stated if my wife did not include the cover she would not get finance for the car. as of today total penalty charges are £484.00... £554.35 inc 8% interest gap/mpp totals £1,114.54... £1,300.66 inc 8% interest i have looked at PPI reclaim letters but these do not seem relevant f
  10. just a update and hoping for a little more help. we have held off on claiming charges and extras that was added to original purchase. this was due to a number of problems we come up against over the last few months that took up most of out time and had to take priority over a number of other things. we contacted advantage after visiting the CAB, we explained we was in extreme financial hardship but as my wife was still working and needed a car we asked to make reduced payments of £50. Advantage agreed to this and agreed to freeze all charges etc to help reduce the balance. since
  11. so i change the figures in the gap/mpp sheet to reflect the extra money that was paid after 7 installments for the first 7 payments £40.66, all other payments of £280 are £43.68? and simply send both statint sheets to advantage and ask them to remove the figures from the balance they still claim is owed?
  12. thanks for the help just to clarify, this was sheets i filled in before i read your last replies. for the first 7 payments made payments of £260.93 pm, £40.66 is the amount of charges all other payments of £280... £43.68 goes in the amount of charges. On the statint sheet can i simply place all charges after the extras (GAP+MPP) as i have already filled in both. Or would it be better if i did it by date, merging both. once these sheets are complete do i send them to Advantage to ask for the figures to be removed from my debt, then if they say no do i make a complaint t
  13. thank you for your time i have scanned the front of the agreement containing all the figures. regarding the charges and interest, what would their interest rate be to add in the cisheet ... it says that they can add interest rate on the arrears at 8% p/a also regarding the charge for the alleged home visit of £60, i may have missed something somewhere but i couldn't find any mention of that amount in the charges breakdown. HP AGREEMENT FIGURES.pdf
  14. i have tried to look up help regarding the reclaiming but as i am a novice i am slightly lost... Advantage was aware of periods where my wife was off work due to serious operations which meant not as much money was coming into the house and we was getting more and more into debt, yet they put her in a position where she believed she had to may more per month when she returned to work to catch up with lowered payments when sick... this added more to our financial problems and on top of that they add ridiculous charges for being behind on our payments! would it be possible in sim
  15. i have added a statement of all payments and charges... altogether here is what my wife has been charged from the statement received. 1 x £60 = £60 (this was for a 'home visit' that never happened!) 29 x £12 = £348 9 x £7.50 = £67.50 1 x £5.00 1 x £1.50 = £1.50 4 x £0.50 = £2.00 £484 Charges When the original finance was taken out the forms were filled in at the garage but my wife was rushed along because it was late in the day. My wife was told that on top of the actual cost of the car plus interest other 'extras' had to be added and agreed to or the finance woul
  16. to cut a long story short(ish)... my wife got a car on finance a few years ago from advantage finance. the value of the car was £6,000 ... the amount payable back was £12k my wife at the time was in a well paid job and was able to afford monthly repayments of £260, a year or so after the original start of the agreement my wife started to suffer from various health conditions which involved having a number of major surgical operations that meant she had to take time off work. During these times she had to ask for reduced payments, after much persuasion advantage agreed reduce
  17. 8 weeks from day of complaint i received their response whilst waiting i have still been receiving the emails, letters and phone calls threatening action. i sent them a financial statement showing i owed a whole lot more out than i had coming yet that didn't seem to make any difference obviously credit scores don't make any difference to this company... just checked mine on noddle and it seems my rating is 456 which is nearer to very poor than to poor.
  18. I wrote a letter of complaint stating irresponsible lending and put in the fact they didn't check properly that i was able to pay the debt back, they also didn't check my credit rating, or if they did they didn't take into my terrible credit rating. I also included other info including the constant emails and phone calls plus their refusal to help me get it sorted by the use of email. QQ was supposed to be dealing with the complaint, but after i put in the complaint to QQ I still kept getting emails and phone calls. I then wrote to them again telling them that i wanted to add to my origin
  19. August last year i was struggling for money, stupidly i applied for a payday loan from QQ at the time of taking this out my credit rating was appalling. i made the first payment but after that found myself struggling to continue making the payments due to several factors. the loan was for about £400 but since then it has gone up to £700+ . i emailed them a number of times asking to consider writing of the debt and gave them the reasons why including low income, loss of benefits / job, stress of debts, bad credit score etc. I also pointed out that the constant phone calls a
  20. thanks for the reply... maybe they need to be a little more helpful when dealing with such benefits (maybe let people know a week or so before they completely stop the money) i am unable to contact them until their usual opening times which is monday... if i call them to tell them i would like a Mandatory Reconsideration can i also tell them i would like to do it via a letter so i can outline some of my problems or should i wait until i have to take it further. im guessing not many decisions are overturned at the MR stage. also when i phone them can i request certain info that was su
  21. seems these guys like to kick you when you are down... and right next to christmas as well!!! i started claiming ESA at the start of june 2016 this was mainly due to problems with my back and feet. both these are constant and i am subscribed 3 different types of pain relief taken on a daily basis to try to relieve it. anyway i had waited for over 5 months for an assessment... they only pushed it along because i visited my local job center to ask why it was taking so long... as you only get put into a different bracket after the assessment i had only been getting the standard amount o
  22. thanks for the reply, i emailed the court explaining the situation... got a conformation email saying they should respond between 5-10 days i emailed lucas credit services as the letter from cohen states payment and correspondence should be with them... waiting for a reply i just managed to get through to the court. .. they wouldn't speak to me regarding my sons problems, i did give them a brief bit of info about why i had called, the only thing they could tell me was that there seems to be a 2-3 week backlog regarding letters to the court. they just advi
  23. unfortunately i am unable to do so at the moment, i have torn ligaments in my ankle and also have a dvt possibly caused when i tor the ligaments, at the moment i am on crutches. i also don't have any means of transport and the nearest county court is around 15-20 miles away and i dont drive.
  24. i sent off a letter explaining details about my sons health and financial situation, i also included a financial statement... the first payment of £50 is supposed to be paid by today and as of yet i have not received anything form the court regarding my request to reduce payments for my son. i have tried to phone the courts but all i keep getting is either line busy or automated messages that hang up after a certain time. just wondering what i can do now as my son is getting extremely worried as he is unable to pay the £50 in full. any help would be appreciated thank y
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