I've an ongoing saga with CABOT regarding an OPUS card which they say was my CITI card. Shouldn't I have had some notification of some sort from CITI when this change occurred? I've been waiting years for a CCA for my CITI card, but none has been forthcoming.

Hi All, Very quickly, wanted to check out a situation - which relates to a 24 yo, in part time college (15.5 hours). This had been accepted by JCP approx 4 - 6 weeks ago and payments in progress. However, whilst signing on last - has been told in order to comply with JS rules - they must apply for 14 jobs a week. Also a requirement to attend a 'work programme/job club' (as designated by JCP) once a week, in order to continue receiving payment of JSA. In querying this, with the JCP personnel; re postion relating to College @ 15.5 hours per week and having child care duties, toward daughter at weekend. The response was, you have to be available for full time work, when claiming JCP. Basically totally rigid in their expectations, but placing this young 24 yo male in an impossible position. This is causing much anxiety for young man, as he would struggle to find that number of jobs to apply for in any one week. is He does not have internet access at home, so would have to go out in search of such job opportunites. This will impact heavily on his ability to maintain his College placement, which he is struggling with some aspects around algebra etc. Concerns around being targeted /set up for the ever increasing 'sanctioning' of benefits? Any advice would be greatly appreciated - how can he get the JCP to see what an impossible situation he is being placed in?? Many thanks - NADIA:???:

Hi just wondering if anyone can offer me any advice on what to do about unfair conditions been forced on me by employer? I have been working for approx. 18 months, as a manager for a company that has its HQ in the Midlands, when I joined the company I took on a national role for which the company paid my accommodation and meal expenses via a Business account they hold with a National chain of Hotels. Approx. 12 months ago the company offered me a promotion for which I would be required to work at their head office 2-3 days a week and continue to pay my accommodation costs and expenses, when working at HQ and visiting the companies other UK sites. I live approx. 120 miles away from HQ office. It was also agreed that I could work from home 1 - 2 days a week when not visiting other sites. There has been a recent change in management and I now have a new Boss who called me in last week to say that the company would not allow me to work from home anymore so I have to be at the HQ office when not visiting other sites and they will not pay my Accommodation / Expenses when working at HQ. My new boss also suggested that I permanently relocate my family to live near HQ (which is not possible) I have an e-mail from my previous manager who has now left the company outlining that the company would agree to pay all my business accommodation costs (and a copy of this agreement is on my HR file). I cannot afford to pay accommodation and expenses of this proportion, do I have a case to issue a grievance against the company? Any advice on what to do next will be gratefully received? Regards Zohan

Hi just wondering if anyone can offer me any advice on what to do about unfair conditions been forced on me by employer? I have been working for approx. 18 months, as a manager for a company that has its HQ in the Midlands, when I joined the company I took on a national role for which the company paid my accommodation and meal expenses via a Business account they hold with a National chain of Hotels. Approx. 12 months ago the company offered me a promotion for which I would be required to work at their head office 2-3 days a week and continue to pay my accommodation costs and expenses, when working at HQ and visiting the companies other UK sites. I live approx. 120 miles away from HQ office. It was also agreed that I could work from home 1 - 2 days a week when not visiting other sites. There has been a recent change in management and I now have a new Boss who called me in last week to say that the company would not allow me to work from home anymore so I have to be at the HQ office when not visiting other sites and they will not pay my Accommodation / Expenses when working at HQ. My new boss also suggested that I permanently relocate my family to live near HQ (which is not possible) I have an e-mail from my previous manager who has now left the company outlining that the company would agree to pay all my business accommodation costs (and a copy of this agreement is on my HR file). I cannot afford to pay accommodation and expenses of this proportion, do I have a case to issue a grievance against the company? Any advice on what to do next will be gratefully received? Regards Zohan

Hi all again, have come up for review of my esa after 5 months of being in the support group. I have just been diagnosed with arthritis and a trapped nerve in my neck also a small blood clot in my brain. My question is where do I stand with informing atos of my new conditions and is it worth me applying for my dla to be reviewed. I am in reciept of lr dla for my severe depression and arthritis in my collar bone which atos and dwp know about and had informed them of seeing my consultant this week. thanks in advance

My company has merged with another and the other company's employees have been Tupe'd over to ours but now the management are trying to change some of the working conditions i.e. they start at 8.30 and us at 9 a.m. and we get 3 days at Christmas whereas the other company has to take those days out of their annual leave allowance. Can they change our conditions giving us less favourable terms based on a merger? Many thanks for any advice.

Hello. I know I'm going back in time here, but I think when I opened my A&L Premier Direct Account online in Feb 2007 the deal was a free o/d facility. I notice that I have been charged £5 by Santander since 2008. I'm sure the free o/d (up to its limit) was for life, but Santander insist it was only the first 12 months. Who is right?

Hi, I wonder if someone can take a look at this. I requested the CCA from the DCA, and they sent me a copy of the application form. However, there were no T&C's and the creditor hasn't signed in the box. Is this enforceable? Thanks

A government warning said that anyone travelling in icy conditions should take a shovel, blankets or sleeping bag, extra clothing including a scarf hat and gloves. Also a 24 hour supply of food and drink, a de-icer , rock salt, torch & spare batteries. In addition they should take a Safety triangle, tow rope , petrol can, first aid kit & jump leads... I felt a right prat on the bus this morning!

Hi I have a one year assured shorthold tenancy agreement. It contains no prohibition on keeping pets in the flat, as has been confirmed by my letting agent. However, I have received notice that, should I wish to renew the tenancy in July, the new lease agreement will contain such a prohibition. Are landlords/letting agents allowed to change terms and conditions other than rent on a renewal? Is there any legislation on this? Many thanks.

Hiya, I apologise in advance if I am posting in the wrong thread. I'm just wondering... Does a company have to provide you with a copy of something proving you agreed to T&C's before you purchased something online if you request it or can they refuse to do this? Thanks in advance

Hello, Please can anyone help me? I need prompt assistance with a Charging Order hearing on Tuesday 6th November 2012. I know I've left it a bit too late but I had booked an appointment with my local legal centre where I believed I would receive some assistance only for them to tell me yesterday that they don’t have anyone to advise on Charging Orders! They asked me to contact Financial Ombudsman who informed me that they only deal with complaints! Quick background, In 2009 whilst I worked as a contractor, I guaranteed a loan for my limited company, I took this loan out for my then boyfriend who was going through financial difficulties and wanted to do a business. I now know it was very very stupid of me but I trusted him completely and we were going to get married so as far as I was concerned, the money was for my future. I was making the repayment directly from the ltd company’s bank account with Barclays which was where my weekly wages were paid into. Unfortunately, in September 2010, I was informed that my contract was ending. I contacted the bank promptly to explain the situation and for the payment to be reduced as it was like £470 every month. Barclays was not having it and would not listen, the letter I wrote to them with a copy of my contract termination letter was ignored. As I had to think about how to survive, I stopped the payment. By this time, my relationship with the then boyfriend had broken down and we were not on speaking terms. Last year 2011, Barclays got a CCJ against me through Matthew Arnolds & Baldwin. I wrote to the judge that my brother, who resides in my flat with his young family, was assisting with all the bills. My mortgage had been changed to interest only, my gas meter was a pay as you go and all basic bills were paid without any problems. My brother gave me £150 to pay every month as agreed on the judgement but in January 2012 on the birth of my niece, he couldn't afford this £150 for the next couple of month, I contacted the bank that I need like 3-4 months to resume the payment but they wouldn't accept. They have now apparently secured an interim charging order on 13 September 2012 and applied for a hearing for a charging Order on 6th November. I probably can’t stop them applying this charging order, the original loan was £20k, from 2009 to 2010 I would have paid back approximately £5.5k but now, they have added various costs and interest and the money outstanding is about £19k!! I don’t mind them applying the charge on the property but I need assistance in adding a condition to the charge for them not to be able to move for a sale of the property. I have my 27 months and 9 months old nieces living with me with their dad, he has been extremely helpful financially to me. I am seriously trying to get a job and has retrained myself. I am positive that I will get a job soon as I am now attending more interviews as opposed to before when I don’t get any interests. Please help, any advice or direction will be greatly appreciated. PS The Financial Ombudsman advised that I should write a letter of complaint separately on the actual loan process. The bank manager at the time was a friend of my ex-boyfriend, I don’t believe I should have been given a loan of that amount working as a contractor, he believes that the necessary checks to protect me and the bank was not carried out or followed. I will send a letter of complaint to Barclay's on this matter and I'm told they have 8 weeks to respond. This is obviously separate to the Charging Order.

Hello, I'm looking for some advice please. Sorry in advance for what maybe quite long winded. I have a substantive contract with the NHS and I work Monday to Friday 9-5. I have worked for the NHS since 1997. I also have a zero hours contract with the county council for whom I receive a payment as long as I participate in a rota. The work I do for the council takes place during my NHS working hours. (I started this role about 3 years ago). The council pay my particular department to provide and manage this service. It is what is called a joint integrated service. Some of my colleagues that are on the rota are employed and paid by the council but are managed by the NHS so they have 1 contract of employment. I and 2 others have 2 contracts. The problem is that like everywhere, there are a lot of changes taking place and the main one is that they want the rota to cover 24 hours which will mean that I have to perform standby duties, and I have been told that I am required to accept this change. There logic is that there has been a consultation period and everybody's views have been heard and taken on board but the changes will take place. I have asked questions regarding pay and other issues which have not been answered. The management have informed us that they have clarified my contractual relationship with the council as they pay me separately for the extra role, they also ad that it has an 'Unequivocal' relationship with my wider contractual obligations with my main role (with the NHS). They make the point that if I withdraw from my extra role with the council that it would be seen as me withdrawing from my substantive role with the NHS. - Nowhere in my council contract does it talk about any links with my main job. It is very clear in the contract that it is a stand alone zero hours contract where I will receive a payment for participating in a rota during 9-5 Monday to Friday. What I have been told is that I can only leave the rota if they allow me to and only with good reason, and if I refuse to participate in the rota and accept the new working conditions this would affect my main employment. They say that they have received advice from a barrister regarding this! I'm not convinced they have a leg to stand on as they are essentially forcing a dramatic change on me which I don't seem to have much say in. Especially as I have not a lot of choice in the matter. Any ideas please?

have an ongoing battle with lloyds tsb via robinson way , lloyds have admitted that there is no cca for the credit card account but today robinson way letter arives saying our client has advised us due to the terms and conditions that you agreed to when you opened this account you remain fully liable for the amount outstanding , we now require your proposal for repayments . any help here please

When you buy the cover, Is all the mumbo jumbo they staple to your receipt the complete T&C's ...? Could someone please point me to the FULL T&C's many thanks

Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated. Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice. my issues with the default notice are a]That they didn't give me 14 clear days to rectify. b] No specific date to remedy (they say 14 days from date of letter) c]The paragraph saying that if you dint understand this then seek advice from CAB is missing the following is word for word what it says on the default notice and the only date on the notice is at the top of the page. 1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter. 2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach. 3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you. 4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property. so any advice on how to proceed with this would be greatly appreciated and thanks for looking. welshperson (from bridgend:-))