Jump to content

slimceagirl

Registered Users

Change your profile picture
  • Posts

    30
  • Joined

  • Last visited

Everything posted by slimceagirl

  1. Thankyou its definitely something to consider. She did join a union but there is not much they seem to be able to assist with considering she was only in employment for a short period. She is still living at home at the moment. She has had to begin a claim for UC again so is living in limbo financially. She has a disability under the UC rules.
  2. Thankyou very much for this. I do appreciate the time you have put into it. I did read the estoppel thread a few times to try and understand what it meant. Yes she did take the overpayment in good faith and wasnt nor wouldn't have been aware of this had she carried on in her employment with no further sickness events and felt the need to go. She left under mutual agreement with the manager who said she needed time to get better, and agreed that she wasn't the happy person who had started there several weeks previously.
  3. She is 29, has multiple health issues of which the company were aware at the interview including Fibromyalgia , ADHD and Autism (linked to learning). She started working with them a few weeks ago with no training, which she was suposed to have. She was reprimanded a couple of times by one of the directors in front of customers which left her visibly shaken. Several occurences of bullying happened in the time which eventually made her ill. She had several days off, on one occasion she passed out in the store and an ambulance was called. The management were happy with her work but the attitude of the director made her ill. She mutually agreed with managers to eventually leave. While under employment legislation we know she was under the 2 year rule, there were several shortcomings. The company is Specsavers.
  4. The relationship between her and the company had broken down so she has not been in further contact with them. wage slips.pdf
  5. Hello, My daughter left new employment after about 6 weeks. She was still on probation and it was her first employment after a long term illness. The reasons behind leaving are for another day but I'll briefly outline her problem. She was sent a letter stating that she had been overpaid and that she needed to repay it by a certain date. The letter had no letterhead, for a large company. There is no breakdown of this overpayment, all she has is the two wage slips. The last wage slip she recieved, she recieved a very small amount of money. She doesn't dispute being off sick but there is nothing to show how the overpayment has occurred or if this is accurate. She has now received a 'Final notice' letter. 3008231.pdf 3008232.pdf
  6. It was a Sony Bravia 49 inch TV. 4 years old, paid about £600 for it. I know I've been bitten. Company are very good at hiding behind different websites.
  7. Maybe I didn't make myself clear. My problem is the TV repair company. Warranty or not, that is not the discussion here. We chose a company to repair our TV. They took it away. They didn't contact us with a quote. I asked them to return it. They haven't returned it. It's been nearly 3 weeks. (advert says same day service) Since found lots of Google reviews saying they take your property and don't return it or make it difficult. I have also been checking these Google reviews and 5 star reviews seem to be made by people who have also left 5 star reviews to other TV repair companies throughout central England. Those companies all trace back to the one in Birmingham, even posting a photo of the Birmingham shop front in Leicester, Nottingham, Derby, and Chesterfield. All seems dodgy. Is it a police matter or one for small claims?
  8. My TV developed a fault in December. It was out of warranty and my husband wanted it repaired rather than have to find a new one before Christmas. I looked online and found this company. Desperate to get it back in time for Christmas, we believed their advertising and asked them to come and have a look. A driver came with his liveried van and took the TV, gave us a receipt and told us we'd get a call in a day or so. After not hearing anything I called the local number I'd used to book the repair. They quoted me a price but said it wouldn't be unfor a similarly named company till after christmas...well the new year until it was done. I said no please return the set (As it was still partially working).l He said it was stripped down so couldnt be returned until after Christmas. I went back onto Google and realised I had mad e a big mistake. The reviews for a similarly named company were awful. When you clicked on the company's web button it came up with the company I'd used. My heart sank. Virtually all the reviews mentioned un-returned TVs. They really do seem dodgy. I spoke to them again yesterday and they say maybe today or tomorrow I'll get the TV back and that they will call me. I've done a bit of research since and I feel like I've jumped down a rabbit hole. What are my rights? Are the goods classed as stolen? TV repair specialists /TV repair Hub/ Sutton coldfield tv repairs All the same phone number with smaller, local numbers.
  9. Thankyou, I got it all sorted. Did the letter and they took it to the Chair of Governors. I got a cheque the next day.
  10. Yes this is correct. I will be consulting with the union aswell. I am just formulating the letter in case this is the advice they give me. Would it be prudent to mention that the Business Manager is being unprofessional in uploading selfies to Facebook in works time or would that sound like sour grapes? its obvious they are not paying attention to their work.
  11. Dear ************ I am writing to raise a formal grievance. I have a complaint about **** *****; Failure to treat personal documents with respect resulting in financial disadvantage. *********** Did not return my pension opt-out form within the timeframe they specified. In return a refund of one months deduction will be made in the next pay cycle and the opt-out will commence. This form was not returned Payroll and Pensions by *********** until two months later and as a result, 3 months deductions of approximately £180 in total were paid into my deferred pension which are non-refundable. I have evidence in the form of a timeline of events, emails between myself and ******** and transcripts of telephone calls between myself and Payroll and Pensions staff and the LGPS. I would be grateful if you could let me know when I can meet you to talk about my grievance. I would like to be accompanied at the meeting by ********. Yours sincerely, Thanks I'll add in that I would like feedback. I know I can't get a refund as it's the rules . I've been brushed off twice by SLT saying 'leave it with them' .
  12. I am in the process of making a formal grievance against my business manager. They did not return a form to payroll in time which resulted in 3 months pension deductions from my wages, I cannot claim a refund on these. My pension is deferred and I am £180 short. I have evidence that they were untruthful about passing on my form to the payroll department. As well as disrespecting my personal information I need to know the terminology I can use for being unable to access funds.
  13. I still work there, I have continuous employment with the one post but deferred the pension about 11 years ago. The other two posts were within the same school at different times but left them as they were ancillary. I have asked for wage slips but may resort to an SAR if they cannot/will not comply.
  14. I have been employed by the LA who pay my wages for a school for 23 years. I have held 3 posts at the school at different times, with one post merging into a 4th. This last one, I have paid pension into for 12 years, until I deferred about 10 years ago and found the payments difficult. When I looked at my pensions the other day there were some dates in my employment history missing. I spoke to the Pension we ran through the dates for each one and the reason for them stopping. A couple added up but the most recent one, which I previously mentioned said it had stopped and the 'contract had ended'. I'm pretty certain this is the pension I can opt back into and had carried on paying. I asked for a record of my work history from HR which also does not match up and lists a job I never did. Should I be concerned about these discrepancies? I am.
  15. Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. they could not show the criteria they used to make lending decisions and kept lending to me so I won the case. I was refunded all interest and fees and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000. Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner. All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act. It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this. My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only surmise that Studio are trying to buy back the debt for less.
  16. I recently got an irresponsible lending case partially upheld by the FOS against a catalogue. The final decision is that they must repay interest, fees, delivery costs etc from a certain date. The debt had originally been sold to Cabot who I was repaying until, on advice from here, CCA'd them. They cancelled my repayments as the debt was unenforceable. They continued to send occasional requests for payment which I ignored. Fast forward to my upheld case: they have asked the catalogue firm to repurchase the debt of nearly £600 outstanding. Cabot have contacted me today with an offer to wipe 70% of the outstanding debt with 30 days to decide. I find this curious considering the catalogue company may be repurchasing the debt. I'm not really sure what to make of it. The final balance was over £1700 of which I paid £1100. Would it mean that remaining £600 disappear from the equation in any redress calculations if I did pay off the reduced balance? (I shan't by the way). I'm not sure whether to inform the Ombudsman of Cabot's move. The catalogue have not responded to the adjudicator's decision yet.
  17. Unfortunately, she had avoided opening the letter. She has mental health problems and terrible money issues. I thought I'd help her out within time but it would appear it missed the deadline somehow. The date was 27th October.
  18. She posted the form to Lowell in Leeds as advised on the form. She was told not to send it to the court. I bought online, signed for postage. The letter was delivered and signed for in Northampton. She didn't use MCOL because it said if you needed time to pay you needed to fill in the form.
  19. Hello, my daughter had a County Court claim against her through Lowell. She completed the form in good time and I posted it, purchasing a signed for label. She received a letter back from them today saying she hadn't responded in time. When I checked the signature it was two days late. The letter says 'if you do not respond to the County Court Claim within time or contact us to resolve this matter by 25/11 we will ask the Court to enter a CCJ against you' Their form was delivered/signed for on the 16th. It was posted on the 9th first class. They should have received it by (Saturday) the 14th. The letter was dated Sunday the 15th. Can we class 'contact' as the form they should have received in good time or do we still need to speak to them?
  20. Should I end it with my original name as that is who it is addressed to?
  21. Out of the blue today I received a letter from Arrow 'in relation to your SHOP DIRECT (CARVAL) account' . No idea who these are and the surname they use for me is my former married name which I changed in 2011. I've read that it could be an old catalogue debt, which if so would have been from over 12 years ago. I split from my ex husband in 2008 and didn't open an account after that in my old name. I've never acknowledged a debt to them and given that it is over 6 years old could it now be statute barred?
  22. I CCA'd these last year and Mortimer Clarke said they couldn't produce the original agreement they cancelled my direct debit and said they would not be pursuing me until they could. Now Cabot are chasing me. Several phone calls, voicemails a day and at least one letter a week. They have now sent me a letter saying they would be sending an agent to the house. I get that they are upping the anti because the debt becomes statute barred next August. What do I say to them if they call to the house?
  23. I had a letter addressed to my old name from Search Squad today. Pretty sure it's from my old account, too much of a coincidence. I'll just ignore it and see what happens with my payout as directed by the fos.
×
×
  • Create New...