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About tinka

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  1. Hi Paul, All very odd really...I did speak to the CS regarding my overpayment and asked if they knew what was going on...she did confirm they had sent out loads of letters, first said it was to do with my mortgage from 2006, then said it was my 99 sub account, then she went off to speak to someone and came back and said it was basically because I made overpayment and they hadn't adjusted the interest. Complete load of bull.... I've sent a letter asking for breakdown of how the payment was allocated, when the error happened, what was it calculated on and what should it have been...will see what I get back. I think there is a time limit on them claiming back something that was their fault, but not sure what it is. Tinks
  2. Fingers crossed for you...I 'gave up' around 9 times over 10 years using everything possible - i looked like a patchwork quilt at one point, I had that many sticky bits on me. Stopped now for 5 years, using Allan Carr method. (not chatty man!)and I know I will never, ever smoke again...and more importantly, I don't want to and I don't miss it one bit. Good luck on gaining your freedom from the slavery! Tinks : )
  3. Hello all, Just had a letter from C&G - cannot scan sorry so please bear with me.... Refs etc AC Number Dear Ms >>>> Important news about your mortgage account I'm writing to apologise for a mistake we have made on your mortgage account. The mistake happened when we made a change to your mortgage. This would have been either when you took out a new mortgage product or when you asked us to complete a specific transaction on your account. At that poinnt we incorrectly calculated your new monthly mortgage payment because we did not include the repayment of the fee associated with the change. This mistake has meant you have been paying less than you should have been since the change to your account was made. To correct this we have credited £$$.$$ to your mortgage account. This payment is made up of the amount of interest that you were charged in error plus an amount that reduces the balance on your mortgage to the level it would habe been at had we not made this error. As a result of these changes your new monthly payment from 1/11/12 will be ££££.££ (around £30 less than currently pay) There is then a further bit of bumph obout if I make overpayments etc and another form letter of questions and answers. Initial questions are.... They state I have underpaid, yet my payment has gone down...I am assuming it is because I make overpayments They don't state what the event that caused the mistake was or what date it happened, so how do I know they have calculated correctly... A bit of background to the mortgage... Had a joint mortgage with ex - I took out a new mortgage in my own name (new mortgage not a transfer) on a 3 year fixed rate...at end of fixed term I took out a new fix(can't recall how long but could find out)...then at end of that term I have left it at current rate where I also now make overpayments of around 600 to 700 a month. I want to send them a letter asking for details of when this happened and what event caused it, but should I be asking anything else that will help in the long term? Many thanks Tinks
  4. Sorry to hear about you have been having such a harsh time...the place to start your complaint is really with the Chair of Governors...although you are not teaching staff, you will still come under the policies set by the govening body. There will be a set staff discipline committee who have to approve and actually issue this outcome, so it sounds more like you have had a warning, but more informal than placed on record. You can appeal to the discipline committee to hear your case, as well as the complaints committee as to how it was handledin the first place Best of luck Tinks
  5. The most recent figures I have seen for Morrisons are around 40%...not 80%...although I am open to correction on that. A large amount of those apprentices are Bakers, Butchers etc which I think is a pretty worthwhile occupation and demands a high level of skill. I believe the Foundation Management, as well as the Retail operations and Customer Service are also offered...and all of these have Maths and English qualifications that the learner has to gain, so if nothing else, they imporve their overall development. Shelf stacking may not seem important, until a customer is thrapped on the head by a product incorrectly stacked on shelves. There will always be employers who try to fiddle the system, but if the right training partner is involved they will stop that in a heartbeat...and being a Morrisons shopper at times, I think their customer service is pretty good, but doubtless others will have had different experiences. Tinks Edit; Morrisons do actually pay all their apprentices at least minimum wage...not the £2.60 odd apprentice rate....and I dare say the hundreds of people who have contracted MRSA would disagee that is isn't important how a mop is shoved around.
  6. Probably wouldn't do any harm to mention as well that you really welcome the extra responsibilty and would welcome more...with the appropriate benefits of course. Tinks
  7. Hi Top, I think your showing a great approach to this, and hopefully you get what you want out of it. Are you still on an apprenticeship or did it end and you were taken on full time? It seems you are happy to take on the extra tasks, but the issue is in extra money to go with it? I would write a letter, to the decision maker, explaining you are very happy with your role, with the company in general and with your collegaues and boss, and that you have appreciated the apprenticeship opportunity they have given you. You feel you have progressed well into the role and in light of your increasing responsibilities (list the things that you are doing that are extra, as well as all the things you do as part of your normal day job) you feel it would be appropriate for them to consider an increase in your salary to reflect this. Explain that you understand times are hard, however you know from feedback from your manager etc that you are doing a good job and you don't think it would be unreasonable for this to be reflected in your salary. I wouldn't mention the other person...all you are concerned with is you get paid a fair wage for the job you do. They may say no, but if you put your case resonably, there is every chance they will say yes. Others may be able to offer some more suggestions too. Forgot to mention to keep the same attitude, they will really appreciate that even though you are happy with your money you are not stropping round the place. Good luck Tinks Edit...NOT happy with money
  8. Hi Sub, The problem with the images is that they could have been altered at any point - I take it you took photo of it, but it is very easy to alter dates on digital media so even if dated I don't think they will help...plus as already pointed out, there is the issue of breach of trust in taking those images in the first place. # I still think you should address the issue as it relates to you...if you could get others to corroborate that would be great, but I do understand it is difficult when in fear of one's job. If you have anything that points to you having done a good job in all other respects and this is a small lapse then that would help your case too. Good luck Tinks
  9. Have you had appraisals in the last 5 years? If so and they didn't highlight areas of concern it would certainly strengthen your position if you raise a grievance. Also. are your meetings with the manager recorded or minuted? At your next meeting ask what specific areas of your performance he is unhappy with, and what he suggests you can do to improve iif he feels you need to...within current legal requirements, of course. Take notes of his responses...don't let yourself feel bullied, put the onus back on your manager to show how you are underperforming. Copies of your company policies regarding working hours, breaks, travel etc would also be good to have. Good luck Tinks
  10. Did you read my posts? Of course, I understand that some will have complained about my views (why you are here, after all) and as such see my opinion as having no credibility at all as they have misinterpreted or chose to misunderstand....after all I merely left school at 14, pregnant and married at 17, was attacked and shot at, saw someone have the bottom half of their face shot off, had PTSD, clincal depression, anxiety disorder, addiction to prescription meds, be left on my own with 3 children in a new location with no friends and family located over 100 miles away and on benefits...that I got off benefits, off meds, a job, a car, a home...on my own without a partner, does not fit with this forum. As such, I shall not post again. Evidently it is better to be entrenched in your views that it is all the fault of the system than perhaps accept there are alternatives. Tinks
  11. Sorry but you are simply looking to cherry pick my comments out of context and find something to which you can take offence…efforts that don’t move the discussion on – and simply picking odd bits out of my posts and then ignoring my response…to then cherry pick another bit is just plain antagonistic. I am happy to discuss my viewpoint, and take on board the differing opinions of others, without getting personal on how people write, or the language they use, or imply they have no integrity, or assert they are ‘spouting rubbish’. However, if someone just wants to argue they can find someone else. Tinks
  12. IMO Sidewinder and Emm have the right approach here...in addition, it sounds like you sign in and our of your employer's client premises, which may constitute part of the service level agreement your employer has with the client....so if you don't sign the client could perhaps not pay. Although it is part of your company policy to sign in and out, supervisors may not be subject to the same requirement if she is not part of the bill hours for service; it may be irrelevant that she does not sign out. Far better to address what applies to you, in a factual manner backed up by any evidence you have. Tinks
  13. To the OP - I really hope that now you can see there is a bit of light at the end of the tunnel for your sons that you too find something to get you back on your feet….it wasn’t my intention to diminish the difficulties you have, rather to hope that you channel your frustration and anger in the right direction so it helps you…you have got a lot of support not just on here but evidently from a variety of agencies,, I hope it’s a springboard to a much better situation for you. As for the attacking posters…perhaps you too could channel your evident anger in the right direction – it may galvanise you into making a positive change …who knows, it may improve your situation, but at the least it would I think certainly improve your attitude.
  14. This issue! Sorry but it is relevant to the 'entitlement' attitude that is all too prevalent - it is not an entitlement, it'is as the word implies, a benefit. What isn't helpful is to keep saying 'there, there. it all the fault of the horrid system' because it removes personal responsibility...I am so glad that the OP has found support -within that system- and she is getting some help for herself and her sons, as she is clearly in need of it. But the support shouldn't be seen as a life long option, as some unfortunately do. When it is in this lgiht, it stops people from taking steps to get themselves out of it. Tinks
  15. sounds like you've read far to many Daily Mail type stories and bought into government propaganda blaming all of a struggling individual's ills on the 'lazy, scrounger, benefit culture'. Maybe do some research on the true figures of fraud, yourself, before spouting this type of nonsense here. Your making an assumption based on your own personal views - don't attribute ideals, ideas or leanings to me of which you have absolutely no knowlege. Whether or not you know any fraudsters personally (if they are really fraudulant or you just think they are) they are not representative of the majority. To make the assertion that the majority of claims are legitimate you must have access to a huge array of information that is not currently available to the authorities...obviously not true. Tinks
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