As 389shell has said if it's a bank you will have problems, in fact you will have problems with any finance institution and even estate agents. What I don't understand is why these searches were not done whilst you were a temp as the 'risk' factor is exactly the same. It may be worth speaking to the company's HR dept, explain the situation and point out that you have been a loyal employee for over 12 years who is extremely excited and grateful for being given the opportunity that you have. They may decide to ignore the checks (unlikely) or if they look sympathetically at your application and history with them you may be offered the job with some sort of contract amendments, additions or extended probation. Good luck anyway and sorry I cant be of further help

Was this employer your last one or have you had other jobs since?

Forgot to say, if you're illness falls under the DDA umbrella and you have been with the company for 12 months don't let them mess you about with dates for meetings etc you need to send the H.R department a short, to the point letter informing them of you rights and their obligations under the DDA. Tell them that you feel your grievances are not being taken seriously enough and that you taking advice with regard to breaches of section 4, sub section 2. From the information you have given IF you are covered by the DDA ask CADAL to refer you to a specialist solicitor (you will easily get legal aid) and be prepared for an out of court settlement to your benefit. Breaches of the DDA are being stamped out heavily by judges at the moment as the government are updating and launching various schemes to aid the disabled

Hi Animal Lover, don't know how far down the line you are and how you are coping but the company are clearly in breach of employment laws. Contact CADAL who are a specialist section of CAB who deal with disability rights, laws etc who will help confirm if you're illness means you are covered under DDA laws. They can also fast track you for benefits and support. Hope this helps

Hi Jase, Unfortunately I have to say welcome to the big bad world of agency employment. As it stands there is absolutely nothing you can do, as an agency worker you can be released by a company whenever they feel you are no longer needed (technically you're employer is the agency, not the company you were working for). The way they told you was really $h1*ty but it's perfectly legal.

Hi there, sorry to hear about your problems. I must say that this has been handled appaulingly. These may sound like silly questions but how long have you been an employee of the company and how many employees does your company have?

Just had another thought. Are you a salaried employee or paid by job allocation? How many hours would you say you work on average each week?

Hi there Mina. Contracts of employment are quite close to my heart at the moment. The first thing you need to do is get out your contract and read through it carefully looking for these points. Did signing your contract waive your right to the 48 hour weeks employment law? I've seen quite a few companies who hide this away in their contracts so that they can make you work as long as they like. Look for lines such as 'You are required to work the hours which the company deems necessary in order to complete your duties' and the obvious 'by signing this contract I am opting out of the 48 hour working time regulations'. With regard to wages you are entitled to wages from your starting time '7am' till finishing '7pm?' with between 1/2 hour to an hour unpaid for lunch. The only way they can get out of paying you between jobs is if the company are sub contracting you (effectively making you self employed). I would advise that you go to the CAB for further advice but if we are working to the theory that you are an employee of that company I can see 3 breaches of employment law!

Thanks 42man, I'll keep you updated. These people infuriate and scare me. My partners health is going down hill fast with a poor prognosis and this isn't helping in the slightest

Panic is really setting in now. Had a letter from Bryan Carter & Co solicitors telling us court proceedings will be issued on 18th September (received saturday 13th). Are they allowed to do this seen as Fredrickson have failed to produce cca? I don't know how to respond and with only a couple of days to go I'm in despair!

Hi there, hope somebody can give me some advice. Fredrickson Int'l were sent a CCA request by myself on 6th May and it was signed for by themselves the next day. Since receiving it they have not responded at all till 3 days ago when a letter was sent asking us to contact them. Last night they also tried to call twice but we refused to have any contact by phone. Can anybody tell me if I'm correct in thinking they're not allowed to contact us anymore as they have not produced any documentation in 4 months?

My understanding is that if you've had no response at all from A&L since putting the claim in and the 14 days has passed then you win by default but I would call mcol helpline just to double check that you select the payment by default option on mcol

Don't worry, it's a standard letter that she signs...normal practice. You should have you're money within the next few weeks Good luck

I had a letter of acknowledgement off them on 3rd November and they paid up on the 10th but from reading the threads it's different for each person. Good Luck

Sorry Klare but no experience with anyone else so far....think I'm one of the lucky one's who've had no problems with anyone else (That's probably just jinxed me) Just follow the same process you're doing with A&L on any other company you want to claim back off Not promising anything but you should have a cheque from A&L just in time to make crimbo more fun (who needs santa when the postie can deliver lovely cheques!) Steve

Hi Klare, Chin up! Get your mcol done then sit back and wait. It's just a matter of sit back and let your threat do the talking. In all probability you will get a letter from Jackie McGuirk saying they are going to defend...they don't though! I've just had my claim settled not long after receiving notice that they were going to defend. When doing the MCOL the address you need is:- Alliance and Leicester Plc Narborough Leicester LE19 0AL Have you got your parachute account up & running with all DD's etc changed over? If not do it asap Don't get worrying or anxious (I know it's easier said than done) it will all work out fine!

I've won! A lovely cheque arrived in the post this morning with a letter saying they want to review my account. They can review it but the muppets closed it down weeks ago. All I've got to do now is sort out the issue with them demanding £700 off me. Think I've got a get out clause though because unlike a lot of the letters that have been received this one doesn't mention anything about the letter not being an admission of guilt etc. Thanks to everyone on the site and to all of you who are going through the process at the moment, don't give up you're money will be back with you soon

Just had a thought! There's somebody who uses this site who works for natwest, funnily enough their username is Natweststaffmember. Try getting their attention and asking if they know how the credit referencing is done

You shouldn't ask for the 8% until you do your MCOL. During the early stages your just claiming the penalty/admin charges that they slapped on you as you may be one of the lucky ones who doesn't have to take it as far as courts (chances are you will have to do the good old MCOL though)

Hi there, Somebody I know who works for natwest told me that Natwest tend to use credit referencing through looking at history with other businesses ie credit cards, banks that they are part of rather than using the usual credit reference agencies. Either that or Northern rock have given you loan but at a higher interest rate classing you as a high risk they're willing to take on. You could ask Natwest what credit referencing they did and ask to see your file if they did use the process above

Latest update! Guess what, received a notification from Northampton County Court this morning letting me know that A&L intend to defend the claim. That's another 28 days to waste. Why oh why oh why do they keep dragging it out!

Hi Kate. Welcome to the wonderful world of putting A&L in their place. 1st off, have you sent of the data request so you know exactly how much you're claiming back? I'm assuming from what you've put on your thread that you've already sent the preliminary letter. You will get the usual babble back about fees are fair etc, etc. If this is the letter you have received from them after your prelim take the next stage which is listed on the site. ALWAYS follow the steps layed out on this site and use the letters from the templates library. Scrutinise the FAQ's and read through some of the other threads so that you've got a rough idea of what to expect at each point. If you list what stage you are at/what actions you've taken so far we can guide you through all of the uncertainties

Hi there. Start your own thread and we can go through what you need to do but make sure you've fully read through the FAQ's before doing anything as thi isn't a walk in the park

If you're making them an offer to pay it back it shows you're being reasonable. They may throw a tantrum wanting more money but if you can't afford it DON'T pay it. Overstretch yourself and you'll just end up in more financial strife. If they threaten you with any kind of legal ramifications (highly unlikely but I've seen it) a judge would look favourably on you as you made the initial offer and probably tell them to do one and accept what you've offered Let us know how you get on

Just use the mcol template that's in the library. It's all pretty self explanatory as you read through it. Basically you're asking for the amount which you set out with your LBA (hopefully you remembered to put the breakdown in with your LBA) but now you're adding the 8% interest as well MCOL is simple, its a step by step thing but remember to do it with you as the claimant and A&L as defendant, only saying that because I noticed on one thread that somebody got it the wrong way round. When it ask you to input the defendant address use the Carlton Park, Narborough address as it won't pick up the Bootle one. Once you've completed it sit back and wait for the fun to begin Good luck