Hi, just another thought I have had is that if my employer says that it was a mistake to pay me this allowance would it mean that it is not part of my contacted terms & conditions? nic

It had been paid to them for a period of time then withdrawn. No idea how long it was paid for though.

The feeling of what will be asked are due to one of the newer members being told that they should not be paid it and it was withdrawn from them. An under manager has already questioned me about what the allowance was for when he got wind of the issue being raised with the same member though he did say that there were no plans to remove it from me at that stage. nic

Hi again, Thanks for all of the responses so far, The first meeting is still to happen and I would like to ask for advice on the following 2 questions as I feel that one of these will be asked at the start. 1. Employer says that they have been paying me an allowance by mistake and are going to stop paying it immediately. 2. Tell me what you know about the allowance you are being paid? With the first question in mind do I ask why have they been paying it if it shouldn’t be paid for this length of time or do I ask them to prove that it is a mistake? Then with the second question if they know it is a mistake would they be trying to catch me out which would then break the trust that has been built over many years by me trying to justify something that was a mistake. For all I know they are paying an allowance that they have already told another worker they should jot be paying. Am I also allowed to choose a representative to accompany me to the initial meeting as my employer has not said that I need one and I was thinking of using a Solicitor , this dependant on what the employer has decided to do. Nic

Hi Ericsbrother, I thank you for the suggested negotiation to prevent my wage dropping and will explore this at the right time. The department was initial made up if workers on the same pay and we all had pretty much similar skills, experience etc. As the business changed and the staff moved off of the department they decided to pay new workers a lower wage due to a difference in skills and the lower wages that the new company generally paid. I also understand that they intended to keep the newer workers on a lower wage until they had proved themselves capable but this changed when the new workers complained about the pay difference. I am unsure if the newer workers now receive equal salary to myself without the alowance or if they are still on a lower wage. I am unsure about how other workers found out about the alowance. Nic

Do I not already have a right to view my personel file without the need for a SAR?

Hi King, Thanks for that . my other concern is if they have decided that the payment had been given bu mistake for 4 years since the TUPE could the employee insist on me repaying this money? I am going to decide on legal advice after the initial meeting that they are arranging when I know what they are planning to do for certain. nic

The allowance incorporated various aspects including experience , knowledge , adaptability but the exact detail is not known, I am still employed under the same title but poor health has meant that my duties had to change. Nic

Hi, thanks for the reply. So to be sure I have it correct: 1. I am entitled to it due to length of time it has been paid. 2. I must agree to it being removed. 3. They can force the change. 4. Because the employer has employed people on different terms with lesser pay the experienced long serving employee is treat unfairly and loses pay. Can I also clarify that though I am not willing to sacrifice my employment because of this but neither do I agree that lowering my wage is a fair outcome for me that I believe has been brought about by employing people on lesser pay scales than the job that was already covered by agreement of T & C’s. Surely the T & C’s to new employees should have been honoured to the new employees. Nic

Hi, A number of years ago I was offered a change in salary that was made up of: 1. Basic Salary 2. An Allowance In 2014 I was subject to a TUPE transfer and now after 4 years my New Employer is wanting to remove the allowance as they say I should not be receiving it. As I cannot remember the exact details of what the terms of the allowance are would my employer have to prove what the exact details of the allowance are before they could legally remove it and should there be a record of the terms of the allowance on my personel file? The issue has come to light as new workers who have been employed to do the same job role have raised a grievance about the difference in pay as they do not get the allowance as their contract was not part of the contract terms that I accepted in around 2006. Any advice appreciated. Nic

I could try that but the employer at the time was taken over by Wincanton about 6 Months later so I doubt that they will have anything going back as far as 1990. Nic

Hi, I am considering applying for Industrial Injuries Benefit but I am finding it difficult to get any evidence of the accident I had. The accident was way back in 1990 (February) and I am unsure if records are kep’t this long by an employer. My GP has records of the treatment I received after the injury but nothing that states that it was a work place accident. I already qualify for PIP (lower rate care & higher rate mobility) because of the injury I sustained and the effect it has on my daily life. Would my claim be accepted without evidence to support it was an accident or would the benefits adjudicators just refuse the claim ? Any advice greatly appreciated. Nic

ok, so do I just add the detail below then attach a copy of council tax bill or just the bold line Notice that this letter is a request for disclosure of personal data confirmation that your data is being processed and the purposes for which it is processed information as to which third parties the data has been shared with Information as to how the data was acquired information as to any automatic processing of your personal data in relation to decision-making or suggested decisions interpretation of any codes or shorthand used in relation to your personal data

Do you mean this from the first post in the thread ? Notice that this letter is a request for disclosure of personal data confirmation that your data is being processed and the purposes for which it is processed information as to which third parties the data has been shared with Information as to how the data was acquired information as to any automatic processing of your personal data in relation to decision-making or suggested decisions interpretation of any codes or shorthand used in relation to your personal data

Hi, Just completing my letter and would like advice on the following: Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.[now go read post 3 of the sar thread on what info to put to ENSURE you get ALL the info you need - dx] Is there another SAR thread to look at?

Hi, Is it mandatory to include the account number on the SAR as I think there may have been more than one account with SPML / Acenden since 2003. Can I just send the SAR with no account numbers on it ?

Having read the SAR guide I see that there is no longer a requirement to send £10 for the request but the organisation may charge me for the information at a fee that they dream up. Would I be better sending the SAR with a £10 PO to see if they decide that a higher charge is required or they return the PO with the information that has been requested. Also, As it is a joint Mortgage and always has been do I need to send the request in both names signed by both parties or two seperate requests for both people?

Could I ask if anyone knows the correct postal addresses for both Acenden & SPML to send the SARs to? Also, has anyone had any recent luck with reclaiming unfair charges etc from SPML recently?

Hi, Having looked through the PDL guide I now have another few question: Non of these loans are on my credit report , will the Companies involved still have the details of each loan I / We have had from them ? and If the Companies have no records is that the end of my reclaim chance? How do I proceed from here? Nic

Thanks for the replies but not sure what all abbreviations mean, any chance of another explanation to my questions? Nic

Hi all, Please forgive me if this post is in the wrong place: Having used a number of doorstep loan companies over the past 10 - 15 years mainly KDS Finance & Provident Personal Credit to name a few I wondered if they had been fair with both myself & my partner. The first question I have is if I took out a new loan that re-payed an existing loan should I/we have received any interest back due to paying the first loan off early? My 2nd question is at the time I thought that they were helping us out by offering the loans to us as they never checked our finances correctly for affordability they just picked figures out of the air to ensure that the loan would be approved. We inevitably ended up with more debt than we could afford and had numerous occasions of ignoring the collector when they knocked or arguing with them as they were very angry that we could not pay the full amounts on the loan agreements and we would end up arguing with them when they came to collect. I remember one company though there name evades me who did start to send a repayment of interest to us when we renewed a loan early though the amounts were very small in comparison to the amounts that were being payed off. I am now thankfully free from all of these lenders but I would love to be able to submit a claim for unfair treatment along with a claim for interest refunds etc. Does / has anyone had any experiences of this nature and have there been any successful claims made against the companies involved? Thanks Nic

Just received another letter asking for us to contact them to discuss our current circumstances and a payment arrangement. They have given 14 days before they consider further enforcement action. I take ir that we just ignore it again ?

Hi Andy, The CCJ was obtained by Black Horse before ME111 took over the debt. The CCJ has expired and I guess that ME111 have purchased the debt , does this mean that ME111 can still work from the original CCJ as they are a different company and are not the owners of the CCJ that was issued. Apologies for asking so many things. Nic

So we just wait to see what they do next ? Mortimer Clarke are working for ME111 who we have never heard of , is it worth sending a CCA request or maybe another letter asking for them to prove the debt ? Nic

Hi, I have just received a letter from MC about a Black Horse debt which I believe is from around 2003/4. They are correct in stating that there was a CCJ obtained on this debt and that regular payments have not been met. The CCJ does not show on my credit file nor on my partners which makes me believe that it is over 6 years old now(how relevant this is I don't know). They are asking me to contact them within 14 days to tell them our current circumstances which I am reluctant to do. I cannot remember the exact date of the CCJ but I feel it was around 2010/11. Could anyone advise us on the best way forward please with this. Thanks Nic