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karen69

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About karen69

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  1. This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. So far, I've given you as much information as I have. We have been invited to a launch event (which makes it sound positive when we all know it's not) and that will be our opportunity to ask questions and meet with the Unions. However, I have since been forwarded an email which has been sent to managers of those staff being reviewed which says, "staff will be invited to partake in a diary exercise" - this would suggest to me that it cannot be enforced. There are 15 of us working together on this, I'm not niaive enough to think I can tackle them on my own.
  6. My Job Descriptions says "This is not an exhaustive list of duties and responsibilities. The post holder may be required to undertake other duties which fall within the grade of the job, in discussion with the Line Manager." However, the email which has gone out to managers says that staff will be invited to take part in a diary exercise - which suggests it's not compulsory. We have been invited to one of two launch events to provide more information about the process, but these have been arranged for 2 and 5 April - slap bang in the middle of the easter holidays when lots of staf
  7. Our employers (local NHS Trust) have advised that they will be undertaking a review of admin staff within our area of work. Similar reviews have already been held in other divisions which have resulted in all staff being placed at risk before being down-graded and moved to new areas of work in many cases. Some staff retained their original job and grade. No staff at all have received an upgrade - this is purely a cost saving exercise reworded as a staff review. As part of this process we have been told we need to keep a work diary for one week, detailing in 15 minute sessions, what we
  8. Hi there I am in exactly the same position. My account was being managed by Bryan Carter and I agreed to a full and final settlement, which was confirmed in writing. I have reclaimed charges which they have said have been refunded to my account as it was only partially settled. Contacted Bryan Carter who confirmed that the terms of the settlement were full and final and the balance is zero, but Cap 1 will not pay up. I have just referred this to the Financial Ombudsman to see if they can help.
  9. A couple of years ago we owed money on a few cards and agreed settlement figures on some of them in full and final settlement. Capital One was one of them and a couple of weeks ago they offered £413 as a refund of charges owed. Although this was less than I was requesting, I agreed to accept if the payment was made by cheque and sent by return. After several weeks I hadnt received it. I phoned Cap One who said that because the account had been partially settled the refunded amount had been applied to the outstanding balance. As I had written confirmation from the DMA to say that payment had
  10. Let me begin at the beginning. A few years ago we got into some financial difficulties and our Capital One card was passed to Bryan Carter Solicitors for collection. Two years ago we had some money and offered £3750 against an outstanding balance of £5800. This was accepted and I have a letter to confirm this was in full and final settlement of the account. I have recently been successful in claiming £413 from Capital One for charges applied to my account. However, they have now written to me telling me that they have paid this money back into my account as there is still an outstanding ba
  11. Let me begin at the beginning. A few years ago we got into some financial difficulties and our Capital One card was passed to Bryan Carter Solicitors for collection. Two years ago we had some money and offered £3750 against an outstanding balance of £5800. This was accepted and I have a letter to confirm this was in full and final settlement of the account. I have recently been successful in claiming £413 from Capital One for charges applied to my account. However, they have now written to me telling me that they have paid this money back into my account as there is still an outstanding ba
  12. Hi I wonder if anyone can give me any advice. I wrote to Halifax regarding a DSAR in March enclosing my cheque for £10 which they cashed shortly afterwards. I received nothing from them until 27 April 2007 when they wrote to me to say that the information I requested had been ordered and would be sent to me shortly. I was given a telephone number to call if the statements had not been received within 2 weeks. It is now 25 June and I am still waiting. I have called the number quoted on the letter but its just an answering machine message telling me that statements will be sent within 40 d
  13. I completed a registration form before my child started there, but that was more to do with details about her, next of kin, gp details, etc.
  14. There was no loan and there is no credit agreement. I simply got way way behind in paying the nursery costs because I was so much in debt at the time. They didnt remind me so I fooled myself into believing that I didnt owe them very much. It was only when they hit me with an outstanding bill which had run into thousands that I began to panic and realised I couldnt pay them back. The debt has now increased because when it was passed to the debt collection agency, they added on interest as well as their charges.
  15. We are paying for the full Sky package, but we never go out, so we have to do something!!! Broadband is basic package, plus we are tied into this. The clothing/uniform/work wear/misc budget is a little high, but I have two school age children so the budget has to take into account their needs, and you know how fast they grow!!! The house is ours and mortgaged.
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