Hi, I am an Australian/British citizen (Dual Nationality) and I have lived in the UK for the past 11 years. Unfortunately I have made poor choices whilst I have been here and I am in debt. I have been paying a DMP for the past 2 years and I have roughly £9,500 in total left to pay to various creditors. I have to move back to Australia in about 3 months time due to my parents ill health and this move will be permanent and I have no intention of returning to the UK. I would like some advice on if I will be chased for this debt in Australia if I just leave without paying? Also, is there anything I should do in the next 3 months before I leave? I do not want to give them my address in Australia but should I notify them that I am leaving the country? Thank you for your advice in advance

Hi, Not sure if this is quite the right place for this, but here's the situation: I'm on a low income, and I receive Working Tax Credit, Housing Benefit, and Council Tax Benefit. For the past month, my Housing Benefit has been suspended while being reviewed (just a normal annual review, after I'd sent in my Tax Return, bank statements etc). The Council are taking their time, which is unusual as they're normally quite efficient. I've emailed them twice last week as I was growing concerned that they wouldn't finish their review in time for my next due rent payment on 28th Feb. They didn't respond to either email, and I heard nothing. Concerned that I wouldn't be able to meet my rent (I rely on Housing Benefit for about 75% of my rent), I borrowed £1000 from a family member, which was paid into my account on Friday evening. I woke up this morning to discover that the Council have TAKEN over £826 from my account by Direct Debit, completely unexpectedly. This has left me hundreds of pounds overdrawn, and of course means that the standing order for my rent has failed. At a single stroke, I'm almost £2000 in debt and under threat of losing my home. Until I speak to the council later today I don't know what has happened. I'm guessing that, because my HB is suspended, they've decided to take all of my remaining Council Tax in one go. Or perhaps, in their review, they've decided that I've been overpaid? Whichever it is, my concern here is are they allowed to do this? I had a Direct Debit set up with them to pay my Council tax. That DD was set up with a specific agreement as to how much they would take (£20 a month). Surely by exceeding that amount so vastly, without any prior warning, they have broken the DD agreement? Even if they have decided I've been overpaid, and have decided to take back what they consider they are owed, how can they simply raid my account without any prior warning or agreement, using the Direct Debit system as simply a means of access to my bank account? If they can, then this means that the Direct Debit system is not fit for purpose, as it simply giving anyone a key to your account and an open invitation to help themselves to as much as they like. This can't be right, surely? Any advice welcome. Many thanks.

a friend has recently had a PCN for walking off site by UKCPS, windscreen ticket issued. Not sure which is the best way to proceed with this one, The car park was a free one so there is no loss on the part of the operator, there's no cctv or anpr cameras, I presume they must have someone with a camera taking photos of the driver and passengers leaving site. at this point I'm thinking do they need a picture of the driver driving the vehicle and then leaving the site ? Can anyone in the car leave the site ? or is it just the driver that is not allowed to leave the site, nothing on the sign that explains this. The sign still says BPA. Is a phone call reminding them that they aren't members of BPA enough to cancel the ticket or is there no legal thing that says they cant advertise they are BPA members when they aren't ?

If I pay in a p&d car park for all day parking can I leave the car park, say to go out for a meal, and return within the time paid for? A stroppy official told me I can't and tried to make me pay again but didn't ticket me. Can I now expect something through the post?

I am almost permanently travelling around the country for work so my expenses are essential for travel /food/accommodation. As I can be away up to 6 nights a week the bill can be substantial. This was never an issue when expenses were paid weekly but now my employer has changed their expenses policy to only pay it monthly. I cannot afford to cover all these costs for a full month until we get paid. It could amount to over 50% of my wage and they are refusing to negotiate. I cannot find any specifics on this issue in employment law. Can anyone help?

Hi On behalf of my son. My son is salary paid and has been offered another job, better pay etc etc. He works as a chef and has been doing around 25 hours a week over the slow winter period, but he has been paid his full (35 hour) salary. His firm has told him that if he leaves he will have to repay part of his salary amounting to about £2500 because they have been paying him for 35 hours over the winter period but he has only been working 25 hours. Can they do this? Surely it's up to his employer to give him work for 35 hours a week? if they don't then surely my son can't be held accountable can he? Many thanks Neil

Hi all. I am having all kinds of problems with Orange stretching back to March. I won't bore all with the details but after speaking to customers services, managers, team managers etc... i still cannot get the issue resolved and am receiving really poor, rude customer service. I wish to complain as high as i can. Does anyone have an up to date head office address?

Hi, I will shortly be leaving a job that I have resigned from. I was just reading through the contract and noticed the following clause: "On termination of your employment you shall be entitled to be paid in lieu of accrued but untaken holiday save that, where such termination is pursuant to clause 10.1 or follows your resignation in breach of clause 10.3, such accrued but untaken holiday shall be based on your minimum holiday entitlement under the Working Time Regulations 1998 only and not on your entitlement under clauses 11.2 – 11.9. For these purposes any paid holiday that you have taken (including any paid holiday on public holidays) shall be deemed first to be statutory paid holiday. The amount of the payment in lieu shall be calculated on the basis that each day of paid holiday is equal to 1/260 of your salary." [note:clause 10.1 and 10.2 relate to being sacked or insufficient notice. clause 11.2 to 11.9 relate to the contractual number of holiday days] I would like to know firstly if this clause is legal as it reads to me that I will be getting a payment that is less than my accrued holiday entitlement minus days taken? Secondly if this is legal what can I expect to get in terms of number of holiday days payment? My contractual holiday entitlement is 25 days + statutory bank holidays. I have taken 15 days holiday from my entitlement + 6 days bank holidays up to now. The holiday year runs from Jan 1st. Thanks in advance

An urgent endoscopy is needed, which will involve sedation. There is only one session a week at the hospital and an appointment has been given for that day but no one is available to collect the patient afterward. The patient has frequently been sedated in the past with no problems whatsoever, home is a 3 minute taxi ride from the hospital, and there will be someone there when they get home. What is likely to happen if the patient omits to mention the lack of someone collecting them until they are ready to leave? Can the staff prevent them from leaving or is it just a matter of signing a form? If they can't make this appointment they will have to cancel a two week holiday as it can't wait until they get back.

I have been with Payplan for around 7 years and have cca all of those whom I don't recoginise as the original creditors. Not surprising no one has complied which means three quarters of them are non-compliant. I thought of asking payplan to stop paying them but don't have much confidence in them doing it with out a lot of hassle so I am thinking of cancelling the dmp and dealing with the legit creditors myself. Any thoughts anyone?

Looking for some advice if anyone can help Currently working my notice till the 4th Sept. I have holiday booked for the 26th,27th,28th &29th August, therefor i have to return to work for the 30th Aug, 2nd,3rd,4th Sept. ive got the potential to go on holiday during the days im supposed to be back. if i had my holidays and didnt return what can they do?

Hi, I'm new here so hope I am posting this in the right place. Sometime ago I received a letter from Arrow Global stating that they had purchased a debt from Orange Communications for app. £60. Due to the passage of time (Feb 08) I had no record of this. I wrote back to them requesting more details of the debt and they were able to provide me with a mobile telephone number that I did not recognise. They sent several more demands for payment and in the end I explained to them that I was not happy with the way they had contacted me out of the blue and had not supplied sufficient evidence that the debt was actually mine and therefore I am disputing the case. I never heard from them again. I assumed they had given up, but then when I applied for credit recently and was declined I checked my credit file and realised that they had recorded a default for £60 which will remain on my file until Feb 13. I have written to them to complain about this. They hav not responded but instead have handed the complaint to Rossendales who are now chasing me for the £60. The 2 things that have annoyed me are how can a DCA leave a default and then sell the debt onto another DCA, it does not seem fair. I have also written to the OFT and the Financial Ombudsman who have basically said they can log my complaint but cant help with specific issues. Do I have any rights?

my friend claims that if he was to sign a new contract with o2 and then move to canada they will not pursue him because it would cost them more to track him down then his actual debt. I beg to differ because his debt will be about 500gbp. we are wondering if anyone knows how this works and if o2 will try to sell their debt to canadian DCA or if they will not bother pursuing him if he has moved. thanks

Hi guys, Not been on here for a while as mostly sorted the majority of my debts with help from this great site but would like some advice please. I came out of a pub about a year ago after being there for nearly 3 years as a tenant with a brewery. Unfortunately when I came out I still owed the brewery about 6k, a combination of rent for the property and beer supplied. I asked them if they could write off the debt with no luck and then made them an offer of £10 a month as i am only working part time now. This was worked out on a pro rata basis with the help of National Debtline. They refused this offer and so i have only paid them a couple of small payments in the last year. I have now received a letter from their solicitor asking for payment in full!!!! My question is this, is there anyway I can legally challenge this debt as I didnt ask for them to give me credit when I took the pub on, neither did I sign any form of credit agreement? Obviously the solicitor is threatening court which if that is the case then they will only get what I can afford according to my income (which is what I have already offered them), but I would prefer not to go to court as have managed to keep all other creditors and DCA's etc away from court proceedings. Any info gratefully received.

Surely a PPC cannot cause you to be detained if for example you had insufficient funds or no money as the PoFA does state that the invoice can be posted to the registered keeper. Perhaps you entered only to find that the car park is full. Is the following correct or is there other legislation overriding this? Section 54(2) is subject to the provisions in S.54(3) (PoFA) which effectively provide an exception for barrier operated car parks. Where a driver has given express or implied consent to the movement of his or her vehicle being restricted by a fixed barrier (for example by his or her entering a privately operated car park), no offence will be committed where the driver is prevented from leaving the car park by a fixed barrier which remains in place because the driver has not paid the requisite parking charges (provided the barrier was present when the vehicle was parked, but regardless of whether the barrier is subsequently lowered into place).

A Scottish housing guide for people leaving the armed forces and ex-service personnel This is taken from the Scottish Government Link: http://www.scotland.gov.uk/Publications/2013/04/3247/1 Deciding where to live is one of the most important choices you and your family will need to make on leaving the armed forces. It is never too early to think about where you will set up home. Whether you are due to leave in a few years, a couple of months or have already left, there is support out there to help you.This leaflet sets out your housing options in Scotland and answers some of the questions you might have. It also gives you information about where you can go for further advice and support. What are my housing options? Your options depend on where you want to live, your needs and your situation. These options could include renting a property privately or through a council,housing association (sometimes known as a registered social landlord) or anex-service charity, or buying a property. The local council for the area where you want to live will be pleased to give you advice on your housing options.Contact details for all Scottish councils are listed at the back of this guide. What about renting privately? Renting privately can provide you with a home either for the short or the long term and give you greater choice about where you live. Private landlords will advertise properties through local newspapers, magazines, estate or letting agents and on property letting websites. You will also usually need to pay a rent deposit at the beginning of your tenancy. This will be held in a tenancy-deposit scheme and you will get all or part of this back when you move out if you have kept the property in good condition and paid your rent and bills. All private landlords have to register with their local council. You can check if a landlord is registered on www.landlordregistrationscotland.gov.uk. (remove spaces) I want to rent privately but I'm having problems saving for a deposit If you are having problems saving enough money for a deposit, rent-deposit or guarantee schemes may be able to help you. These schemes provide a financial guarantee to the landlord on your behalf. They work in a number of different ways. In some schemes, you repay the deposit over time and it is given back to you when you leave. In others, you won't need to pay the deposit back, but you may have to pay money to the scheme if the landlord does not return the full deposit to the scheme because of damage or unpaid rent or bills. The local council will be able to give you details of rent-deposit or guarantee schemes in their area. How do I apply for a council or housing association house (also known a social housing)? You need to fill in a housing application form. You can get this from the council or housing association. Your council will be able to give you a list of housing associations in their area. In some areas you only have to fill out one application form for all social housing in that area (this is sometimes called a common housing register), in others you may need to fill out more than one. What happens next? The housing providers will use your application to decide your level of priority and you will be added to each landlord's housing list. Landlords are likely to ask you for a copy of the Certificate of Cessation of Entitlement to Occupy Service Accommodation once you have it. The Ministry of Defence issues this six months before you leave the armed forces. This certificate will let the landlord know the date you have to leave your service accommodation and they should use the six months to help you look at your housing options. Don't wait for the certificate before applying for housing. Landlords have different ways to decide who gets housed across Scotland. Your priority will be based on your housing need and situation. Generally, the higher your priority, the more likely you are to be offered a home, but this also depends on the needs of other people on the housing list and the size and type of houses that become available. Some landlords will contact you to offer a house,others will advertise their properties (giving you a greater choice about the properties you are considered for). Social landlords must publish their rules on how they let their houses. You should speak with your council or housing association to find out what they do. How long will I have to wait for a council or housing association house? This depends on the area you want to live in and the type and size of home you are looking for. In many places, there are not enough council and housing association homes for those who want one. This means that waiting times can be very long even for those with a high priority, and to get a home quickly, you may need to look at renting privately. Your council or the housing association will be able to give you advice about your chance of being housed. Your local council should also be able to provide information on other housing options to help you find something suitable. What about housing by ex-service charities? There area number of charities across Scotland that provide housing for ex-service menand women and their dependants. All of these charities are members of Veterans Scotland and you can apply to all of them for housing using a single housing application form. For more information, including how to apply, visit Veterans Scotland's website at www.veteransscotland.co.uk. (Remove Spaces) I'm worried I won't be able to pay my rent If you aren't able to pay your rent you may be able to get state benefits to meet these costs. There are rules, and how much benefit you get depends on your circumstances. Also, the way your benefits will be worked out will depend on if you rent privately or with a council or housing association. The UK Government,who is responsible for most state benefits, is making a number of changes to the way benefits are calculated and given out. This may affect the amount of benefit you get. You can get more information on benefits, including how to apply and any changes that affect you, from your local council or from the UK Government's website, www.gov.uk. Your local citizens advice bureau (CAB) can also give you information and advice to help you access all the benefits you are entitled to. You can find out where your local CAB office is on their website, www.cas.org.uk,or you can visit www.adviceguide.org.uk/scotland,their information website. I'm thinking about buying a house but I'm not sure where to start There area lot of things to consider when buying a home - where to look for properties, what mortgages are available, the size of deposit you need and when you need to involve a lawyer. To help you, please see a booklet called 'Buying and Selling a Home in Scotland' at www.consumerfocus.org.uk/scotland/housing/publications(under Consumer Guides). I heard it was possible to buy a house without paying the full cost. Is this true? Yes. Some private house builders offer shared-equity schemes. Shared-equity schemes are a form of low-cost home ownership. They allow you to buy a home in partnership with a private house builder, who gives you an equity loan for part of the purchase price. The Scottish Government also offers support to help first-timebuyers get on the property ladder through its Low-cost Initiative for First Time Buyers (LIFT). If you are currently serving, have left the armed forces within the past 24 months or are a partner of a member of the forces who was killed in action up to 24 months ago, you will get priority access to the shared-equity schemes that are a part of LIFT. Under LIFT, your income and finances will be assessed to check you are eligible for help and you can apply to buy either a property on the open market or a new-build property from a housing association or a developer. You can get more information about these schemes from the Scottish Government's website at www.scotland.gov.uk/lift. I have a small deposit to buy a home but can't get a mortgage. Can anyone help? Yes. If you have a good credit record and need a 90% to 95% mortgage for a new-build property with a value up to £250,000, you may be able to get a mortgage through the MI New Home scheme. MI New Home is a private-sector scheme open to anyone looking to buy a new-build home who is finding it difficult to get a mortgage due to the level of deposit mortgage lenders usually ask for. More information about the scheme is available online at http://minewhome.co.uk/. Help! I can't find anywhere to stay If you are in this position you should contact your council as soon as possible to let them know you may be homeless, and ask to speak to a member of staff in their homeless team. If you haven't been discharged yet, you should also speak to a member of your welfare team, who may be located at your base or another base in Scotland, as soon as possible. This team will also be able to give you some support. In Scotland, all homeless households or those threatened with homelessness (if you don't have anywhere to stay or your current accommodation is not suitable or you are at risk of losing it) must be given temporary housing and free information and advice by local councils. If the council find that you are homeless through no fault of your own, they must find you housing, but you maybe offered somewhere temporarily before accommodation becomes available. I was injured during my service and need support and adaptations to my home or future home. What support can I get? The type of support you can get depends on your circumstances. However, whether you rent or own your own property, you should get in touch with your local council's social-work department. They will be able to tell you about how to have your needs assessed. If you rent from a council or housing association they will usually pay for any agreed essential or high priority adaptations. If you rent privately or own your own property, you may be able to get help to pay for any adaptations. You can get more information from your council. The Scottish Government also has a guide to the support available for disabled people who own or privately rent their home. The leaflet is available on the Scottish Government's website at www.scotland.gov.uk/Publications/2009/03/31131031. There are also a number of other organisations across Scotland who can help you understand your options and provide advice on independent living and the benefits you may be entitled to. UPDATE Scotland can help you to find local advice on independent living and the benefits you may be able to get, as well as a range of other disability-related information and services. Website: www.update.org.uk Phone: 0131 669 1600 Housing Options Scotland's Military Matters service provides specialised housing advice and support for disabled ex-service personnel and veterans with a disabled family member in Scotland. They provide support to those with a physical disability, mental-health problem (including post-traumatic stress disorder) or learning disability. Website: www.housingoptionsscotland.org.uk (Remove Spaces) Phone: 07713482697 or 0131 247 1400 Email: [email protected] (Remove Spaces) What else do I need to think about in finding and keeping a home after I am discharged from the armed forces? There area number of things you will need to think about. Costs -You will need to make sure you budget for and pay your rent or mortgage and any household bills such as council tax, fuel and phone bills, TV licence, and any service charges or maintenance fees you may be responsible for. You should also think about whether you need building and contents insurance. It is worth finding out what these costs are likely to be in the size of house and area you want to live. This will mean you can prepare for these costs so they don't come as a surprise. Furniture- Whether you rent or buy, many properties are unfurnished. You may want to think about saving to help you buy the things you will need when you move out of service accommodation. If you cannot afford the essentials you need, speak to your local council, Shelter Scotland or SSAFA Forces Help who should be able to tell you about any furniture projects in your area that may be able to helpy ou. Details of how to contact these organisations are below. Where can I go for further advice and help? Your localc ouncil, or the council in the area where you would like to live, will be able to provide you with information and support to find a suitable house. Many will be able to provide you with a housing options guide for their area. There is a list of all the councils in Scotland at the end of this leaflet. As well as the welfare officer at your base, there are also organisations that provide specific advice and support to men and women who have served in the armed forces. ■ Citizens Advice Scotland's Armed Services Advice Project (ASAP) provides free independent, confidential and impartial advice and information to the armed forces community on a range of issues including housing, employment, benefits, debt and relationships. You can call their helpline on 0845 231 0300. Website: www.asapadvice.org.uk ■ MOD Joint Service Housing Advice Office provide civilian housing information, advice and, where possible, arrange housing through housing associations for service personnel and their dependants and to ex-service personnel who are still living in service accommodation. Phone 01980618925, visit their website at www.gov.uk/housing-for-service-personnel-and-families#joint-service-housing-advice-office or email them at [email protected]. ■ The Service Personnel and Veterans Agency was launched by the MOD to improve personnel, pension, welfare and support services to members of the armed forces and veterans. They also have five Veterans Welfare Service Centres across the UK. Phone their free helpline on 0800 169 2277 or visit their website at www.veterans-uk.info. ■ Haig Housing Trust and Haig Homes offer help with housing and have homes for ex-service personnel and their families to rent across the UK. Phone 0208 685 5777 or visit their website at www.haighomes.org.uk. ■ Poppy scotland provide financial help and access to mobility services and short breaks to meet the needs of veterans and their families in Scotland. They also lead the Armed Services Advice Project (ASAP) and run a wide range of schemes to help ex-service personnel back into work. You can call them on 0131 557 2782 or you can visit their website at www.poppyscotland.org.uk. ■ Scottish Veterans Residences provides single-room en-suite accommodation with catering and support services as well as some independent flats. Phone 0131 556 0091 or visit their website at www.svronline.org. ■ Scottish Veterans Garden City Association, Houses for Heroes Scotland, provides low-cost rented housing in Scotland for disabled British ex-service personnel, merchant navy, police and fire brigade personnel. Phone 0131 557 1188 or visit their website www.housesforheroes.org.uk. (Remove Spaces) ■ Soldiers, Sailors, and Airmen and Families Association (SSAFA) Forces Help provides advice through its Housing Advisory Service on 0207 463 9398, through their website at www.ssafa.org.uk or through one of their local branches. They also have a confidential support line on 0800 731 4880. ■ Veterans Assist Scotland provides online access to information and advice resources from one single website.Topics include housing options, how to claim a War Disablement Pension, and finding a route into employment. Website: www.veterans-assist.org ■ Veterans First Point offers help and assistance to veterans in Lothian, whatever their needs are. Phone 0131 2209920 or visit their website at www.veteransfirstpoint.org.uk. (Remove Spaces) ■ Veterans Scotland brings the veterans charities and organisations in Scotland together to support the ex-service personnel community. Phone 0131 550 1595 or visit their website at www.veteransscotland.co.uk/pillars/housing (Remove Spaces)

Hi all, I will soon be departing these shores and wanted some advice about some existing 'debts'. For some time now I have been requesting various bits of information from certain DCA's so I can verify the validity of the alleged debts but on each occasion what I have got is just rubbish. My concern is that I currently have a house under my name along with my parents (I dont live there nor do I pay the mortgage) and I wanted to know could these DCA's get any sort of court order to go to the house and start removing any goods? Everything in the house belongs to my parents with the exception of a bookcase and a few books which I purchased. I will be writing to all the DCA's to inform them that I will be leaving the country, should I tell them that any mail sent to me will be either binned or sent back to them? And also how do I make sure that they dont try anything sneaky while Im not here? I dont want anyone turning up at my parents house and scaring them into letting them in or making them sign/do anything. Perhaps I could remove their implied right of access to the property? Thanks in advance for any advice.

Ive been suspended today (for nothing criminal) but i know how to deal with that. My question that i need help with is that i'm on leave for a week, which they'll honour. Then the following week i'm leaving the company under TUPE-what happens to the process then as ill no longer be their employee? Any guidance gratefully received

Hello Forums! I just found out today that I have been sanctioned for 4 months due to leaving my old work voluntarily. I know what many of you may think about me (ungrateful...........) but I was working only 14 hours and was racking up debt such as rent etc. I started a job via the future jobs fund program (2010), complete waste of time personally but that's another thread all together! I was hired for a 25 hr/week for 6 months. During my future jobs fund placement I was told my contract will be extended after the 6 months period. After the 6 months placement completed I was offered a contract for 14 hours. At this point I knew 14 hours was not enough to cover my basic bills such as rent, council tax and power & gas. So I tried making a new claim for JSA over the telephone and was told I would be sanctioned 100% as I was refusing employment being offered to me. OK, fair enough I thought and accepted the 14 hour contract. After a year and half of racking up debt such as rent etc as well as getting no help with housing or council tax benefit, I just gave up! So I quit my job, took a step back in life and moved back in with mum a few months. I was signing on for two months without further information request from myself or my ex employer. I still have a great out of work relationship with my old line manager who confirmed nothing was ever received from JCP. Then today....news of the sanction was given to me while attending to sign! I have not had my letter yet explaining exactly why but should JCP not have investigated this further? Asked for proof of debt, spoke with old employer etc... The only time I got to explain myself was on the back of the claim form where I only put abbreviated details. Did they expect me to keep living in the red? I know I mentioned I recently moved backed in with mum but that was a last resort. My problem is not so much with the sanction itself TBH. Its how it was handled. I know I have did wrong, I did give up a paying job, i was expecting it, but I would have preferred them taking into consideration my financial problems if I kept working as well as the length of time I continued to work at 14 hours. Its not as if I never looked for work or kept asking when my hours would go up. Any help and experiences would be very helpful. This is my first sanction:(

Hi I presently have a fulltime job, but I wish to leave as the amount of stress has been making me ill, consequently I am now off sick. The job has changed greatly and more and more workload is being added all the time. I have had a meeting with my line manager, but they are not willing to change anything, so I know that the job won't get any better. I have been offered the possibility of working a temporary job for the run up to Christmas. It's a job that I did when I was at university, so I know what it will entail, but it will definitely end at Christmas. I would be willing to work my notice with the permanent job as well as working the temporary job, due to shifts, but after the Christmas period I would be unemployed, though I would be actively hunting another job, even if it's another temporary position. My concern is, would I be able to sign on and receive JSA, as my last job would have been a temporary one that ran its course, but I had left a permanent job for it? Obviously I wouldn't be intending to be receiving JSA for long, but you cannot be certain of how long it would take to get the next job.

Hi I have handed my notice in at work and as required am working out my notice in line with the company rules (1 month). Staff are paid salary (I am not hourly paid) on 25th of each month (or earlier if the 25th is a weekend or bank holiday) i.e. 12 times a year x 1/12th Salary My last day of work falls on November 23rd which is pay day for that month. I have now been told that I am only entitled to an amount equivalent to 17 days pay as this is all of the days I will have worked in November. Even though this is one calender month after last pay day. I have now been told that we are paid partly in arrears / partly in credit and that the salary payment on the 25th of each month is to cover that 'whole' month. This is not stated in the contract of employment or employee's handbook, all that is stated is that we will be paid on or around the 25th. Is what I am being told by the company legitimate or not? Thanks

Just been issued court papers from CCMCC dated 23/8/12, Date of service 29/8/12 They are in regard to my ex landlord, claiming £947 for damages and non payment of rent £550 for 2 Months rent arrears (£650 x 2 minus £750 DPS) August and Dec 2011 £277 for replacing the carpet due to Iron mark (I fell with a hot iron) £120 for Locksmith (I locked the keys inside) explain below £672 for redecorating - Not claimed as hard to prove they say Right, here goes, I had the tenancy for 1 yr initially, extended to 2 yrs, no new contract was signed, last tenancy would of ended March 13th 2012. Mutual agreement that I gave them 2 months notice, which I did, and vacated property on the 10th Dec 2011 August payment was placed into dispute since we had numerous occasions where we had to move furniture, sleep on sofa and was not even offered alternative accommodation during major works due to huge cracks appearing and re appearing since they was not correctly fixed in the 1st instance, on the 1st instance, we went away on holiday, but prior had to move furniture into the centre of the rooms On the 2nd instance, I was getting married and had wedding things everywhere, we had to move bedroom furniture from the main bedroom and the small bedroom, all which just went into the last bedroom, which was my sons. we had to sleep on the sofa downstairs and also at that time I was working nights. Since I was unable to sleep during the day due to the works, I did get £340 compensation, which I had already made it clear that I was loosing £85 per day. the work too 8 days before we could use the rooms, due to pain drying etc, also the main bedroom before decorating had the ceiling removed due to risk of asbestosis. I informed the letting agency that I was holding August payment in dispute until the dispute had been settled, Never happened We dealt mainly with the Letting agency We left the property under the knowledge that further works were due to happen yet again, Which we decided to move instead of being subject to further extensive works The carpet, yes I fell and the Iron made a lovely impression, The carpet at that time was ex military carpet, must of been around 10 plus years old, maybe older. but they are claiming full cost of the carpet, They can only claim pro rata for the damage, which £277 for replacement is full cost. The Keys, Locksmith, Well I have letters from the agency that they have keys, so I put that to the test, and I do know 1st hand they had keys, they are actually charging me for the back door key and lock, which had to be replaced any way, the key was with the keys left in the kitchen, which they did find as they have proven so with the Tenancy end form. The decorating, well they not claiming for that, but put it on the form? as above it would be so hard to prove I do intend to defend and also claim a counter claim, I recon I should be able to claim for Loss of full enjoyment of peace and quite Loss of work due to working nights while work was being carried out Loss of weekend use of my home Loss of work due to having to attend meetings regarding the repairs Compensation due to the stress of all the works and risk of being exposed to asbestosis Right, The Key issue, I do know that some letting agents actually change the locks, just incase a tenant returns as a mater for security. I know the last place did this without charging me, I watched them do it, since the prior addy was just across the road, but a different letting agency Why would the Landlord start proceedings, when I dealt with the Letting agency? I have paperwork saying that they have keys (letters for inspection of property) I have papers with work schedules and how extensive the work is involved I have the contract I also have every email that I sent and received, I have stated in those emails that I am getting stressed out with all that was going on, and the risk of asbestosis (which occurs many years later) I need your input on what you recon I should use as a defence and counter claim oh btw I did move without giving them a forwarding addy or email addy, But these papers were sent to my mothers, which was used at the very start of the tenancy, but she has not had no prior letters in relation to this, So maybe there could be a lack of proper procedure, I didn't change my email, they have not even tried to contact me in any format, No email, No phone calls and no letters

Since the forum now seems to have been taken over by seemingly now defunct London Motorists Action Groups new reincarnation 'NMAG' I will no longer be posting advice on the board. I do not feel the aims of NMAG are the same as mine and I do not wish to be a part of a group that puts the rights of car drivers above those of the general population. There are plenty of anti speed camera, anti parking control websites its a bit sad that CAG sees the way forward as jumping on board the band wagon rather than giving unbiased honest advice on parking and motoring issues. I hope some of my 7,300 posts have helped some people even if a tad blunt at times. Good bye

Hi all, I'm currently receiving income based ESA. Today I've received a letter from my employers stating that due to my ill health my terminated (this is not unexpected and in fact is a bit of a relief...) and that I will shortly receive a months wages in lieu of notice plus some accrued holiday pay. I'm worried now about how this money will affect my ESA. Will my ESA reduced for a time, or stopped completely? Will I have to make a brand new claim and go through yet another torture session with Atos? I've done a great deal of googling and not been able to find out much - the only concrete information is relating to new ESA claims, not existing ones like mine ..... Am hoping that someone else on here been in this situation and can let me know what to expect... Thanks...

Hi I wonder if anyone could give me a little guidance on this subject I currently have a bar job where i am working around 5/6 hours a week. I have just finished uni and don't claim JSA at the minute but i have done before for around 2 weeks. I am just wondering where i stand if i was to leave my 0 hour contract job and claim JSA. Its not working out and the boss knows im going to leave the second anything comes up. Hes not giving me any extra hours and just taking care of the staff he knows is going to be there for christmas. If i was just to leave would it leave me ineligible for the JSA payments. Im not sure if theres different classifications between full time part time and 0 hour/ temp any ideas would be greatly appriciated thank you