https://www.ispreview.co.uk/index.php/2019/02/6-years-on-uk-isp-supanet-chase-former-customers-for-unpaid-bills.html A number of former Supanet (Supatel / TimeTalk) customers have been in contact (with ISPreview) to complain that the ISP has recently started chasing them for alleged unpaid bills, some of which include vague demands for up to nearly £800. In most cases those being targeted left the broadband provider 4-6 years ago. From Linked Comments "This all relates to former Time Computers and the subsequent string of offshoots, where money (quits a lot actually) moves in and out of the UK via Jersey. Broadly, there is Supanet, Internexus, Tpad and 6G internet."

Hi, Whilst filling out a tax return I checked the information HMRC held regards PAYE from what is now a former employer. The information shows the dates, taxable income, income tax paid and National Insurance paid, all totalled up. The amounts I noticed didn't add up to the totals at the bottom of the page. It seems one month a payslip was issued, then a revised version issued. The totals on the revised version were correct but the following months payslip uses the totals from the original payslip. I contacted HMRC and they said yes it doesn't add up but we can't say why - you need to contact the former employer. So that's what I did, they gave me a P60 and said everything looks fine, but the P60 just contains the incorrect totals they gave to HMRC. I've now advised in more detail but without even having checked yet they advise everything "looks about right". Just wondering if they refuse to correct the totals what are the options? Do I need to go back to HMRC with the figures and rationale? Thanks in advance.

Hi all. My wife left me nearly 2 years ago. She didn't give DVLA her new address, her car was clocked with no tax, and Marston's tell me they have a warrant for removal. I called Marston's. They won't take my word for it that she doesn't live here. Only that if she doesn't pay £615 immediately, they break my door down and take my stuff. I have a chronic mental health problem, and I'm not in a good way. I need to get the stress off if possible. What do I have to do? My budget doesn't run to an expensive solicitor. Thanks.

I believe that a former employer may have acted unfairly against me whilst I worked there and I'm intending to SAR them to see if there is any evidence of this which I can use. I do not know where the evidence may exist or in what form, whether it is in emails, phone calls (which I know to be recorded and stored) or paper records so I would like to make a SAR for every piece of information they have. I also obviously do not want to disclose the reason for my request and find that the evidence I'm looking for may miraculously disappear. I am uncertain whether it's better to make a SAR in the next couple of days (before GDPR comes in), or wait until next week when GDPR is introduced. Under the present system, AIUI I pay the statutory fee of £10 but I then have an unqualified right to request all information. However, under GDPR the statutory fee is abolished but they will be able to charge a 'reasonable fee' where the request is 'manifestly unfounded'. Is there any guidance as to what a reasonable fee might be (lower/higher/the same as the current statutory fee?), and what qualifies as a 'manifestly unfounded' request - is a general request for all data rather than a targeted request considered 'unfounded' in itself?

Good Morning all, I was wondering if someone could offer me some advice with an issue I have with a former friend. Back in 2012 my friend (who is extremely wealthy) gave me 2k to help me out with some serious issues I was having with debt collectors, he wanted to be more than friends shall we say and to this end he gave me another 2k early 2013 and another 2k late 2013 by way of bank deposits. I understood at the time that these were gifts and no verbal or written contract was drawn up. Once he realised that I was not that way inclined / spurned his advances, he started to get nasty and demanded the last payment he made to me to be paid back to him (which I had no means of doing) I was in a position to start to pay this money back in 2015 by way of monthly payments into his bank account after he started to hassle me, and have now cleared the money he originally wanted so stopped the regular payments. Trouble is he has started to to text me and ask for the payments to continue otherwise he will take me to court....... I can no longer continue to be held over a barrel whilst he demands payments from me as I have a small income and a large family to feed. When if ever will he stop to ask me for money ? Please let me know your thoughts and if indeed he could take me to court and obtain a CCJ The other option of giving up my will to him is unthinkable, I just want this guy out of my life Please help

Not sure if this is the correct board to put this, sorry if not. I had a tenancy with a large Housing Association which ended 2 years ago and I left owing over £1K of arrears. The last 2 years I haven't heard anything from them (they knew my contact details so not sure why) and as such I just buried my head in the sand until now. They have passed my arrears to a bailiff company called Regional Collection Services based in Sunderland, who have added £390+VAT in costs to the arrears. I've contacted the Housing Association by email asking to set up a payment plan directly with them to clear the balance but they have said I need to contact RCS to set up a payment plan with them instead. Can they force me to contract with RCS? If I pay payments directly to the Housing Association do they have to accept them? I really don't want to deal with RCS nor do I want to pay them the extra £390+VAT either. RCS have sent me a letter but they haven't turned up on my doorstep yet but I expect they will soon. If I had the money available I would just pay it all off in one go directly to the Housing Association. Thanks for any help or guidance.

As the title says really, i've been asked if i'd provide a reference, which i'm willing to do as former employer really took advantage of this guy for several years and then sacked him the day after he finds out his wife was pregnant. He was a good guy, hard working, gave it 110%, but used to get a lot of hassle/blame he did not deserve, mostly because of his age and inexperience in dealing with work politics.. I'm wondering what sort of reference is this, obviously it can't be personal, but how much can I say about the way I feel he was treated?

Hi All, I have just received a call from the Police regarding an accusation of the theft some photographs by a previous employer. I worked for this lady for 10yrs and in this time there has been a high turn over of staff due to her behaviour. I finally had enough and left in November of last year and since then she has had several staffing changes (one of which she accused of stealing her money). Last week she sent me an email almost accusing me of the theft of her photographs, which I ignored with no longer working for her and it being quite snotty. Today the police called to advise that she had been in touch with them and named only myself as having possibly taken them. She told them I had only given my notice in last week (I have been working for my new employers for over a fortnight, having taken Christmas off. I gave my notice in November, took my holiday entitlement and also sick leave as she made me ill) and the police were lovely, advising me that as far as they are concerned the items may not actually be missing, but that they had to follow up on the call. I know that she is doing this out of spite as that is the kind of woman she is, but where do I actually stand if she persists? The police are welcome to check my home, but this is beginning to make me ill again and I do not want it to effect my new employment? Thank you

I am enquiring on behalf of a friend who recently changed employer - he is still doing the same job but through a sub contractor. When he finished, under the instruction of a supervisor, he left electronic items he had been provided with by the employer in the company office. He has since been informed that these items have gone missing and so he owes them over £1000 and his last weeks wages were withheld to go towards this amount. Are the company allowed to do that and is there anything he can do to appeal this? Thank you for any advice.

The background to this subject can be read on the following thread. http://www.consumeractiongroup.co.uk/forum/showthread.php?448461-Tom-Crawford-eviction-by-bailiffs-Freeman-on-the-Land-(FMoTL)-nonsense-has-no-place-in-the-courts. Today, Tom Crawford has attempted to 'reclaim' his former house. He is presently on the roof of the property. The following is an extract from a press article that has just been released: Evicted man Tom Crawford says he has 'reclaimed' his former Nottinghamshire home by locking himself inside. The 64-year-old, who was evicted from the house on Fearn Chase, Carlton last year following a lengthy battle over his mortgage, posted a video on YouTube on Monday, claiming he had taken back the house. Supporters of Mr Crawford turned up at the bungalow, offering warm clothes and food, while police were also called to the property. On Monday afternoon, several police cars were at the scene as Mr Crawford's wife Susan claimed her husband was inside the boarded-up house. Read more: http://www.nottinghampost.com/Police-presence-Carlton-Tom-Crawford-says/story-29007353-detail/story.html#ixzz44DWAJPQI

hello all, totally distraught to receive this just before christmas any help advice or moral support gratefully received. Name of the Claimant Hoist portfolio Date of issue – 14 12 2015 defence due by 4pm Friday 15 th jan What is the claim for.. ..the claim is for £11000 in respect of monies owed under the CCA. The debt legally assigned by santander and notice has been served. the defendant failed to make any payments. a default notice was served. the claimant claims 1. the sum of 11300 2. interest at 8% 3 daily intrest 4.costs What is the value of the claim? £11000 ish The claim is for a loan, specifically a cahoot flexi loan entered into agreement Jan 2006. The account has been assigned and it is the Debt purchaser who has issued the claim. The account has been asigned multiple times, do not believe i have ever heard of Hoist before, so no do not believe i had been notified in this instance. i really cant remember if i received a Default Notice from the original creditor. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? i dont think so. Why did you cease payments? The cahoot flexiloan was a nightmare product, which caused us to fall into financial difficulties. i did approach the financial ombudsman in 2012 for help in sorting it out. What was the date of your last payment, no idea, my partners credit rating account gives the default date as 9/2011 Was there a dispute with the original creditor that remains unresolved? in my opinion yes, but the fca ruled not. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes, but was turned down by then Santander. i have been on moneyclaim online, registered and acknowlaged the form, can any one tell me when the defence must be submitted by taking into account the christmas period?? The Claim Form is in joint names but there is no record of this loan on my credit report and i genuinely cant recollect if the loan was taken out in joint names. will the fact that we took this account to be looked at by the financial ombudsman count against us in this? am i better to try and agree a settlement rather than go through the stress??

Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue –3 June 2015 . Date of def = 4pm Friday 3th July What is the claim for – The claim is for the sum of £2XXX.XX in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXX The debt was legally assigned by Santander UK PLC to the claimant and notice has been served. The defendant has failed to repay overdrawn sums under the terms and conditions of the bank account. The claimant claims 1. The sum of £2XXX.XX 2. Interest pursuant to S69 of the county court act 1984 at a rate of 8.00 percent from XX/XX/XX to the date hereof 15 days is the sum of X.XX 3. Daily interest at a rate of .XX 4. Costs What is the value of the claim? £2XXX.XX Is the claim for a current or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Possibly - by way of a statement of arrears but headed 'Loan Account' and with a different number to the original bank account number shown on the PoC Why did you cease payments:- Financial difficulty - withdrawal of overdraft would have left nothing for food, rent, getting to work etc Was there a dispute with the original creditor that remains unresolved? Yes - advised OC of financial difficulty their action would cause, alleged unlawful 'unfair' treatment Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - as above and stated I would make weekly payments of £1o per week by direct credit but asked for interest and charges to be frozen - they weren't Would welcome advice on this although don't hold out much hope... Arrived home from work to find papers on the doormat for a former Santander O/D that Robinson Way have been chasing for a while. RW have been chasing for Hoist for a while - trying to get us to phone and offering discounts etc but as the debt was disputed I did nothing more than tell them this. Debt is around 5 years old so not SB. Received a letter before claim from Howard Cohen a couple of weeks ago stating that to stop court action we must contact RW within 10 days of the letter. This we did, by recorded delivery stating that the debt was disputed and gave details of the dispute and previous attempts to resolve it. Appreciate this might reset SB clock, but at the end of the day we did have an OD but were more miffed at the way that Santander dealt with us. A bit of history. Banked quite happily with Abbey for several years. A change in circumstances led Abbey to offer an OD facility which they later offered to increase. This was in place for several years and although we went occasionally into the black we were pretty much using the OD all the time but this was without complaint from Abbey or initially when they took over, Santander. Fast forward to 2009 and redundancy came calling. Was unemployed for a couple of months and although I got another job it was for almost 25% less money. Santander pulled the plug on the OD without more than a couple of weeks warning (we hadn't exceeded the limit). Not just reduce it over time, cancelling it altogether which would have left us with nothing for rent, food or fuel to get to work. I spoke with my branch who said that 'they have done this to a lot of people' and that they wouldn't negotiate, so opened an account elsewhere to avoid losing our home and jobs and to still be able to feed the children. Wrote to Santander to claim hardship and that we believed their actions were blatantly 'unfair' and against the Banking Code/BCOBS. Said I would leave a credit going into the account to reduce the OD and asking to freeze interest and not impose charges. Got no reply, they just started adding unauthorised OD charges and interest which more than wiped out the credits going in, so I stopped the payments as the £150 or so that I had paid in was wiped out by the charges and interest and the debt was going up instead of down. Santander did not chase any longer but here is the strange thing - they have been sending periodic statements for the defaulted amount, but under a completely different account number and they called it a 'loan' account? I never applied to have the OD converted to a loan, nor had any papers to sign to agree repayments for a 'loan'. Is this at all significant? The PoC refers to 'overdraft'. I am guessing from advice on other threads that I need to acknowledge the claim on MCOL and indicate that the claim will be defended in full, send CPR 31.14 to the solicitor etc. I am also guessing that defending OD claims is almost impossible unless SB which this one isn't. Am though confused about the implications of the OC apparently converting the account to a loan account with a different A/C number and sending statements under that number throughout. Bizarrely we are still receiving these statements (as recently as a fortnight ago) several months after the assignment of the alleged debt to Hoist/RW. Also Peed off that Howard Cohen told us to contact RW to avoid court action, which we did and they have issued despite this. Apologies for the length of the post but any and all advice would be welcomed.

Living with PTSD: Former military medic reveals how the battle goes on for veterans The first female RAF paramedic to work on the Afghan frontline, she now finds it impossible to step outside the front door of her Wigan home most days. She wets the bed and has recurring nightmares, in which she regularly finds herself back in Afghanistan surrounded by the horrors she has witnessed. Flt Lt Sanderson completed three tours of Afghanistan. During that time, she was routinely flown by helicopter into the heart of the fighting to care for military and civilian casualties. It was after the third tour that the impact on her mental health became clear - and in September last year, she was given a medical discharge. Please also watch the video as it gives you a better perspective Read More Here: http://www.itv.com/news/2015-03-09/living-with-ptsd-former-military-medic-reveals-how-the-battle-goes-on-for-veterans/

This problem started since I moved into my new house in July 2013. Different people/organisation have sent letters to my address for former occupiers which is now stopping since I returned them to the postbox, but there is one which hasn't stopped. The problem is from Specsavers who have sending post at my address for a former occupier who used to live at my address and still is still persisting. I haven't opened these all letters as it is against the law. Overall, Specsavers sent around 7 letters to the same person and I have been sending it back to the postbox Other companies who have sent former people in my address have stopped sending me letters since I returned it to the post, but Specsavers have sent one again on Tuesday 10th February 2015. What should I do now, should I send a complaint letter to the customer services or the CEO of Specsavers?

I was tempted to use 'discriminate against' in the thread title but thought that may have been a bit too strong. Ok, so my mum is currently on a trip to Dubai with my dad (He's already over there for work) and so we went to take out a travel insurance policy. She's done this trip (alone and with me) several times in the past few years so we've got a good bit of experience with buying Travel Insurance online, usually from the Post Office, and just printing out documentation at home within minutes. All nice and simple. So this year we sat down (She's not at all IT-savvy, so it's down to good old Son who works in IT to do something so 'complicated' for her ) and went to go through the process as usual, but this year there was something a bit different about the questions to answer/fill in, with more details on the medical side being requested. In the past there's never been any medical questions when buying travel insurance beyond the "pre-existing conditions wont be covered" type stuff. Now, unfortunately my mum was diagnosed with Breast Cancer nearly 6 years ago. Fortunately it was caught very early and through a combination of minor radiotherapy and drug treatments, she made a complete recovery and was given her all clear last December. Previously this has never been applicable to the questions that we've been asked when buying Travel Insurance online, but the new questions, or at least the new wording of the questions, meant that it did seem to fall into the 'relevant' bracket now, so when the following question came up, Along with. We had to click Yes, wanting to give an honest declaration that she had been for treatment, but that she was now all clear and no longer undergoing any treatment. On clicking Yes we were asked what the condition was, and Breast Cancer was an option. We were then given the following questions, Available answers were, "No", "Yes - spread to lymph nodes in armpit only" and "Yes - spread to other parts of the body". Fortunately, our answer was "No". "Under 2 years" "2-3 Years" "3-5 years" "5-8 years" "8-10 years" "More than 10 years" Our answer was "5-8 years" "Yes" "No" "Still waiting for surgery to remove the cancer" Now on this one, we selected "No", as there was never any surgery. However I'm assuming here that Chemotherapy and medication don't classify as 'surgery' as there wasn't what I could consider a surgical procedure involved. For this one we selected the option of 1 to 2 visits in the last 12 months, the last one being her final check last year before getting her all clear. Well, no she's not. Treatment is complete, but there was no option for that at all. There were only options for Chemotherapy, Surger, Radiotherapy, Tablet treatment, Other Treatment or No. So we had to pick no. So as you can see, there were absolutely no options to say "I did have cancer, but it was treated completely successfully without the need for surgical removal". So we put in those details, and then got prompted that there were no policies available based on the information. Hm, odd. So next we tried a comparison site, thinking that might be a bit better. We ended up on Moneysupermarket after prompting that there was a previous cancer case involved were directed to their "Pre-existing condition" quote site. Sounded good, something a bit more specialist. Went through that only to be prompted with word for word the same questions and answers. Obviously we put in the same information....and got the same results. No policies available. In the end, she had to phone up her bank and managed to get a quote over the phone since she could actually explain the cancer was now gone and she'd received her all clear. But why not have an option for people who have been successfully treated for Cancer? Why did we have to go through all that? Are insurance companies just of the opinion that once you've had cancer, you always have cancer?

Hi, Here's one for you. I work as a freelancer. In June last year I agreed to work with a business, the deal was that I would sell my services through their brand and receive 60% on my billings, for months when I did not bill, I would receive a cash payment to tide me over. I signed an acceptance of offer letter with them and started working with them at the beginning of July. All went well and I quickly secured an opportunity to deliver some highly complex services to a large business I know well. I was concerned at my associates capability to support me with delivery and asked them if they wished to be involved. As the business would be worth several million over a 5 year period they readily reassured me. at this stage I pointed out that if we were going to bid for the work, it would have a significant impact on my short term sales. They told me not to worry. By Mid October, I had spent 6 weeks preparing the initial bid, the timescale with the client had slipped to early 2015 and I informed my associates, this time I offered them the choice of backing out of our relationship if they no longer wished to take the risk of supporting me whilst I bid for it. Again, they reassured me that they were very keen to remain involved and supported me 100% as well as thanking me for my excellent work. Despite this I was beginning to get some pressure to generate short term income so I started to work on a few smaller projects. This pressure increased and I began to have concerns around their capability to deal with a large and complex project especially from the financial perspective as the concerns seemed to indicate that cash flow may be an issue. On 30th November my invoice for October's work was due for payment. 3 days later the money had still not arrived so I wrote to them asking if they had processed the payment and received a cryptic reply along the lines of 'what was due to be paid has been paid'. a week later still nothing. At this point they started to demand information about my clients which was above an beyond the call of detail. I said i wold be happy to share it once their outstanding invoice had been paid. I chased it on two further occasions and was told by them that it was due to be paid and in the process. Again they asked for the detailed information, again I told them that once the outstanding invoice was paid, they would get this information. At this point they showed their true colours. I received a very aggressive email from a the other owner of their business stating that he had 'blocked the payment' because he was unhappy that I had not provided details that I was 'contractually obliged to provide' he then went onto libel me saying he had received information 'concerning me and my character' from 'anonymous individuals' . This email was shared with e 3rd party. I immediately wrote back stating that I did not respond to threats and that the email was libelous as he had not provided the information that he was party to nor had he identified the source - merely implied that it was negative and that he also shared the email with a 3rd party (which he did). I also pointed out that until Monday this week they had not shown any concerns over the quality of the work I had done to date, quite the contrary I had emails from them as well as two telephone conversations (recorded) where they praised my work to date and thanked me for it. I also pointed out that they had accepted the invoice and had been asked on 3 separate occasions where the money was and had on all those occasions been either directly reassured or reassured by implication that all was in hand. The response to this was to send me a copy of some terms of business which I had never seen and which were dated July (I had signed in June). They stated that I was in breach of contract because I had - a/ set up another similar business outwith their arrangement with the intention of 'cutting them out' (this business predates the relationship with this company and I have always been public about its existence, on twitter and on Linkedin and the business offers services that are in a similar field but completely unrelated to the business I had with the associate. Additionally the associates were well aware of the existence of the business and had never raised it as an issue in the past.) b/ in witholding the detailed client information they required I was in breach of their contract (the terms of business that I had not seen before). These state nothing about information and only state that if they deem that (unspecified) work is no carried out to their satisfaction, they can pursue me for all money paid to me prior to the date. I wrote to them informing them that I had never seen these terms before and on top of that had never been given any previous indication that my work had been substandard, in fact I had received plaudits for the quality of the work. The reply I got was to 'stop playing games' and that I had 'signed the contract and the terms in July (I actually signed it in June) and that I was bound by it. He also directly accused me of lying and shared the email with two 3rd parties. at this point I had had enough and informed them that our business relationship was over due to non payment of invoice and that I was handing the matter over to a debt collector. They wrote back again telling me to 'stop playing games' and accusing me of breach of contract and demanding that I repay them all money paid to date and returned a laptop by tomorrow (friday) or they would report me to the police for theft. - Since then (tuesday) I have received several emails asking me what I intend to do. I have not replied. - Now I did some checking up on these guys and don't like what I hear. The partner I appear to have fallen out with fancies himself as an amateur lawyer and his emails are full of faux legalese that doesn't make much sense at all. (My late father was a judge and I have a pretty good understanding of what this looks like). It appears he spends most of his time logging online claims through the small claims court so I am concerned that he is going to attempt this tomorrow. Now my reason for posting here is to get a 3rd party perspective on this. I intend to do the following: 1/ hand the debt to a debt collection business and instruct them to pursue it in writing as well as verbally 2/ I have written down the entire sorry saga as best as I can recall and tomorrow I intend to visit a commissioner of oaths and swear an oath on it and post it to myself recorded delivery 3/ pay my lawyer to write a cease and desist letter to the individual who has libeled me threatening him with action if he does it again. 4/ I am considering reporting them for fraud over the 'terms of business' which I had neither seen nor signed My main concern is 2 fold - 1/ to ensure that should he attempt an online small claims bid his claim will run into deep water quickly due to the defence I have and the counter claim. 2/ to make sure I can prove to the police (should he report me for theft) that the matter is civil, that return of the computer in question has been given an unreasonable timescale especially at this time of year (48 hrs) and that as it is a civil case and I am owed money by this business, I have a right to hold it for security and have indeed informed them that I would return it once the invoice was paid. Are my tactics sound and is there anything else I can do? I have limited funds for a fight? Research and having spoken to several people who have carried out the work I have done for them in the past shows that they are not to be trusted and I have heard similar stories. They are very foolish in acting in this way because I am very well known in the industry they work in and could make life very difficult for them in the future. I have not done so yet nor have I threatened them. thanks in advance

Hi all We had a long term lodger in our home, a female, who stayed here for about 3 years We know she was having financial problems, but four weeks ago, she just packed up and left, leaving us in the dark She kept telling us she would be back, but never returned Now we're getting debt collection letters through the door, addressed to her We also found a bunch of opened ones in the room she let One of them was about her car, which was towed away about 7 months ago, because she stopped paying tax on it, from what we've found out through one of her friends, she was summoned to court about it, but never showed up This letter was from Marston Group Ltd, on behalf of the courts it seems. So my dad emailed them to explain the lodger no longer lived here, their response was: A little worrying, can we deny them entry? Should we? I don't know what rights we have regarding such people.

My daughter and her fiance moved into their rented property just over a year ago and keep receiving letters from debt collectors addressed to the previous tenant. They keep sending them back marked 'Not known at this address', but they still keep coming and they're a bit worried about what to do if someone turns up on their doorstep. I've taken the most recent letter from them and intend to give Cabot a piece of my mind when they open on Monday morning, and was just wondering which agency I should threaten to report them to. Any advice gratefully received. PammieC

Is it possible that a former officer of the old Log Book Loans organisation is now an adjudicator at the financial ombudsman services? I have mentioned him in my application to the FOS in relation to my stolen car. What should this mean for me or anyone else that is seeking justice from this company which has now gone into administration? Fortunately the FOS are accepting applications from before a certain date.

So this is an unsual one on behalf of my sisters boyfriend. Recently, he left his job because he found better employment elsewhere. The job he was in required a months notice. He advised his employers on the Thursday that he would be leaving on the Friday-not 4 weeks notice, but his new job started the following Monday, and quite frankly, its a fact of life that sometimes your new job means you cant work your notice. Unfortunate, but sometimes unavoidable. He told the secretary, who advised that the boss would not be happy, and indeed he was not. He told the person in question to "f**k off and leave now). So basically, he was instructed to leave the premesis by the boss, who had taken offence. I think my sisters boyfriend was quite expecting them to refuse to pay him, because he hadnt worked his notice. I also think he was prepared to accept that as the price of getting out of a job he didnt like, as he would be getting paid from his new job and wouldnt be any worse off for that month. However it hasnt worked out like that. The previous employer, who has never been the mostpleasant of employers, has sent him a letter demanding around £1000 for a previous incident. A response was written politely declining to pay this money, and since then a letter has been sent by the companies solicitor giving the person in question 7 days to pay, or else face court action. The issue is however, that the £2000 he is requesting, is related to an incident that happened during his employment that bares some detailed description. Prior to Christmas last year, my sisters boyfriend was using a piece of machinery that caused damage to company property. The company said to their employee that he should pay £600 (30% of the repair costs), and they would pay the rest, rather than going through the companies public liability insurance. The alternative was that the company would claim, and they would charge their employee the £2000 excess fee. Naively perhaps, he agreed to this, because it was just before Christmas and didnt want to rock the boat and possibly lose his job. He undoubtedly felt pressured into this and agreed arguably under duress. However, this strikes me as extremely dubious practice by the employer? Surely they have public liability insurance for precisely these kind of accidents, and surely they cannot justifiably demand their employees pay the excesses of their own insurance claims? Regardless, this is what they did, and the full £2000 is apparently what the former employer is rather vindictively demanding back, seemingly out of nothing but spiteful annoyance that he didnt work his notice. If this was to end up in a small claims court, would it stand up? Would my sisters boyfriend have a reasonable case to counter-claim against the company for pressuring him into paying even the £600 when they should have gone through their public liability insurance? How do you suggest he responds to this? Thanks

I cancelled my membership to fitness first in person in their Old Street gym on 6 June and I received a paper receipt and email confirming that I had successfully cancelled. At the time they told me there was a month notice period I assumed the membership cancelled on 6 July. Now they finally claim the notice period is NOT one month but EIGHT weeks on 31 July!!! I found they were still debiting money from my account illegally. When I contacted the local gym in Old Street, the membership manager's reply was very abrupt and almost rude I contacted their head office. Their head office did NOT even reply. After waiting a week, I cancelled my direct debit and claimed the money back through the DD guarantee. Now they have appointed debt collectors even though I dispute I owe them any money. I have contacted the Citizens Advice consumer service who have passed the complaint to Trading Standards. I will be contacting the CMA next about their harassment. If Carrs continue to harass me, I will also complain to the FCA. I have been a member since 2011 but never again. What else can I do about this dishonest company?

Hi all, Long time lurker, first time poster. I have used this site for good solid advice in the past and thought it was time to give something back. Until last week I worked for Provident and this is an opportunity to ask a former employee anything. I left the company on good terms and am not using this as an excuse to throw mud at my former employer. I will not disclose company secrets and I won't tell you how to get out of paying back a loan that you've taken out. Beyond that I'm happy to answer any questions you may have. Oh, and I realise that this might look a little suspicious as I'm new to the forum, if any mods want proof that I am who I say I am, I'll be more than happy to provide it.

Hi Everyone , This site helped me massively before and Thank everyone here . Recently I set up a Ltd company with a colleague from my old employment. He had the funds and I had the contacts and he spent about 2 K the company failed. I resigned last week well was partly forced to as he wanted money. Basically he was not committed to it threw some money in and went on holiday . Came back when it was not looking good he just continually give out negatives and every time I thought I ad a chance he would shoot it down. The issue is this. When we set up the business he purchased 2 laptops indicated he had about 10K in savings and would do everything possible to make it work. He paid the set up fee about £75 also the accountant and some business cards and some other expenses. I did purchases too paying for website etc and probably spent a similar amount overall. When he purchased the laptops I agreed we would pay him back for these as the business generated an income. Last week before I resigned he was asking me to pay him some of the company costs and the laptop and he would have the business approx. £600. Then he said if I would take the business off him ( we were both 50% directors) he would accept £2K . He knew when we started the business I had only enough funds for living expenses for approx 2 months as a result I resigned from the company. Then he has emailed me stating I said I would pay for the laptop in May and he is giving me 45 days . I do not have the funds to pay him and offered to return the laptop . He is emailing from his personal email and states he rejected the offer as the laptop is now 4 months old and he will extend to 60 days time to pay. We also had agreed we would be employed by the business but as no income of course we have not been paid . I am now on benefits and do not have the means to pay him . The letters are structured to try to paint a picture that is inaccurate and is designed to get at me as I resigned the business and he cannot operate without my contacts. Some of the emails came from his business email as a director then the last 2 emails from his personal email and without the older emails attached as they showed he was seeking personal payment for a limited company expenses. Any advice on what to do next would be great.

I am a rare poster but common reader and have shared my interest with a Gent i met through work who it transpired is a former Bailiff and high court Bailiff. He said that he found the enforcement profession (?) extremely hard to work in because of the company he worked for and would be happy to answer any questions people may have about the profession including training, salary etc etc if anyone is interested. It may help to clarify the negative impression people have of Bailiffs.

Hi all, Sorry if this post is a bit long but here goes.... Bought a 2011 Astra from a Vauxhall dealer 27 days ago, upon receiving the V5C today it says 2 former keepers whereas when I bought the car I remember the advert saying "one owner". I know about the Sale of goods act so I rang consumer advice and explained the situation however I didn't have an proof of the advert and they said Autotrader might not be able to track it or not release it due to data protection etc unless the matter went further legally, so I was worried the dealer might act dumb. Phoned up Autotrader and luckily the person on the other end of the phone said they can email me the latest version of the text in the ad, without any problems with data protection and if needed they would help with forwarding the text onto anyone else who may need it. Here's the email I got..... 2011 11 Reg Vauxhall Astra 2.0 CDTi 16V SE 5dr Auto, 5 Doors, Automatic, Hatchback, Diesel, 34,732 miles, Grey, *One Owner Full Service History*, Balance of Manufacturer Warranty, Cruise Control, Multi-Function Steering Wheel, CD Player, Body Coloured Bumpers, Automatic Headlamps, Front Fog Lights, Metallic Paint, Rear Wash Wipe, Adjustable Door Mirrors, Adjustable Steering Column, Air Conditioning, Electric Front and Rear Windows, Electric Mirrors, Trip Computer, ABS, Automatic Gearbox, Power Assisted Steering (PAS), Daytime Running Lights, Side Impact Protection, Isofix Child Seat Brackets, Central Locking, Deadlocks, Immobiliser, Remote Central Locking, 17" Alloy Wheels.£9,873Click 'Visit Website' for more approved used cars. So as advised I have sent a letter using a template to the dealer recorded delivery explaining the situation and have put "I would like this matter to be resolved either by a full refund, return of our part exchange car and monies or an acceptable replacement." I could ask for just some compensation and keep the car but one of the criteria when I was looking for cars was it to be just one former keeper. Just wondering if anyone has any idea what might happen and if they become difficult what to do,also if we got out PX car back what the deal would be as far as former keepers on it as we bought it from new so wouldn't really want to be the 2nd keepers and if that was the case could we be compensated for it as far as depreciation is concerned and insurance admin fees for changing cars etc etc. If i get a full refund then I'll be without a car so would that be considered as far as inconvenience and costs are concerned. Thanks for any advice given, Alan