Showing results for tags 'previous'.
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Hi Everyone, I left my job in September, I just received a letter from my line manager's manager telling me I owed the organisation £260 for damage to a laptop (saying the laptop is now unusable). I admitted to two keys falling off the laptop and at the time I was told that was normal wear and tear (as I did outreach work and the laptop travelled alot) But they are claiming a bent screen and trackpad. However paying for damages is not in my employment contract. Are they legally able to make me pay for the damages? If so can I ask for several quotes for the damage before I pay? They are threatening to withhold my reference if I don't settle the matter with them. -
Estimate for work carried out on previous letting
Appledore51 posted a topic in General Legal Issues
I used to hire a studio space upstairs in an office building which was decorated by me. Then just recently I became a paraplegic and am wheelchair bound and could no longer get to my studio space so had to give up renting it. I agreed with my landlords that they should get someone in to do the work needed for them to re let. They provided me an estimate and I paid the money there and then. Although I was never given a copy of the estimate. They have now come back to me four months later asking for an additional 350 pounds on top of the 950 pounds I have already paid. Apparently it is to cover the cost of work which was not initially included in the estimate total but was written on the form as work that may needed to be done. This I did not see and certainly didn't agree to. Where do I stand? In my opinion the extra should have been agreed with me before going ahead. Although is it dodgy ground as in my rental contract I should have returned the space to its former state before leaving? -
Hi to anyone that can help My Fiance and I have been awaiting her Decree Absolute to arrange our wedding and it has come to light that her previous marriage of 10 years wasn't lawfully carried out due to an administration error of the Registry Office. We have been told her case is to be heard before a DJ this week to confirm that the marriage wasn't legal, and that the registry office will send out a form to complete regarding compensation that will go before a DJ to award compensation accordingly. Does anyone know how much compensation is awarded in these matters and what can be taken into consideration at all?? Many thanks Hadituptohere -
I have been reading through the threads and I couldn't see anything to answer the current predicament I am in. I moved in as a new tenant on the 30th January 2015 and setup gas and electric with scottish power through a company (tenant Shop) who was given my details through the lettings agency. Scottish power setup electric and gas (or so I thought) through direct debit and then all was in place till about one month ago when we had a visit from MeterPlus who are partnered with Npower looking for a Mr Patel (previous tenant). He was informed that he no longer lives here and that was the end of it till yesterday morning when I heard some rattling outside they had returned and changed my meter to a prepayment meter and were unable to change it back unless I contacted Npower. After speaking to the reps (Npower) he said we received two requests from Scottish power and both were rejected on the grounds that debt was owed but, because the debt on the gas was apparently less they allowed that to be changed to Scottish Power but left the electric and continued to supply it until today. I explained I am a new tenant and had setup a connection with Scottish Power for electric and gas and I am not the previous tenant but they said I needed to inform them that I was a new tenant and now I need to pay the bills accrued for the last 6-MONTHS even though I never requested this from them and neither did they have authorisation from me. I have already spoken to members of their department and management team and filed a complaint due to their lack of communication and apparently not knowing I moved in as a new tenant even though their representative was informed and they accepted the application for changeover to gas but not electric. Based on this scenario my question is 1. Am I liable to pay this 6-month bill which has been accrued due to Npower assuming I am the original tenant and subsequently kept supplying me until yesterday when they changed it to a prepayment meter 2. They are requesting a meter reading from when I moved in if I am unable to provide it what is the next step to get an accurate bill (if I am liable) 3. Can I take any legal action against them for their clear failings to investigate thoroughly follow information through and for the unecessary time wasted and harrassment to me and my family. Any info would be greatly appreciated Thank you in advance -
On 2nd May this year I received a letter from Rossendales, dated 30th April 2015, at my parent's address. The letter was concerning council tax owing Liverpool City Council from July 2014 for an address I moved out of. I'm guessing the council tax is covering the short period between that last month's council tax I paid and the date I moved out of the residence. I thought I notified the council of my forwarding address (my parent's) but can't find evidence of this and they told me this past month that I never. This correspondence was the first of any kind I have received via phone, email or mail from both the council and Rossendales. I called Rossendales 2 weeks ago on my lunch break (after attempting (and failing) to contact them via email and their website contact form) questioning the enforcement fee and previous correspondence this letter refers to, to which they replied that they were sending letters to my old address, the one passed to them by the council. My question to them is, if they had my parent's address why is it only now, almost 1 year later are they sending mail there. No enforcement agent has been to my parent's address. No mail has been sent to my parent's address. I paid the man on the phone (Rossendales) the council tax fee of 54.80 making sure I stated that it was only for the initial debt and that I am disputing the enforcement costs [calls are recorded, right?]. My question is, has this been seen before where they are claiming correspondence that has not taken place? and/or know if I can argue these so called charges? I have contacted the Council on several occasions over the past month and they've just told me I need to contact Rossendales while the man I spoke to at Rossendales told me I need to get the council to dispute those extra enforcement charges. I've never had to deal with anything like this before and have a spotless credit rating, I'm scared that I'm going to be screwed when looking to buy my first house next year for the sake of a stupid 50 quid :'( but I also can't afford to pay those costs. Council Tax due: 54.80 Enforcement Costs incurred: 310 Paid: 54.80 -
Hello all, First of all, wonderful site and greetings: Over a year ago, I had some letters from a company called Erudio over an alleged student loan, (pre-1997 old style contract) As well over a decade has passed without acknowledging any debt or indeed action, I understand it to be statute barred. I moved well over a year ago and for six months had my mail redirected from my old address to the new. I began receiving demands for monies from Erudio (written to the old address), claiming that I owed them money, I hadn't heard from SLC prior to that; Erudio also claimed that there was an existing CCJ against me on record, having been issued by the SLC. I had been in the same house for 18 years prior, and never had any correspondence or claim at that address. I wrote to Erudio, disputed any alleged debt in full and informed them that any alleged debt was statute barred and in dispute, I also remarked that if there was a CCJ, then it was that CCJ that should be enforcing , not issuing a notice of assignment, as I understand the CCJ to be the 'debt'. (Claiming there to be an existing CCJ appears to be a stock accusation with these people. I received a few letters to my new address, which they obtained from a credit search, so they new I had moved, despite this, I recently found that they had won a judgement by default in April 2015 . I only found out about this judgement when I tried to switch my utility supply. It transpires that despite knowing I lived in a new address and I have documentary evidence to this affect, they have applied to the Court under my old address for a CCJ. While careful with what I said, Erudio claimed to have passed a file to a debt collection agency, if they thought that I was still at the previous address, why wouldn't they enforce the judgement using a Warrant of Execution? It's very clear to me that they knew full well that I wouldn't be at the previous address. I will need to set aside the Order but my questions are as follows: 1) I understand the set aside costs are likely to be £155, which is an extraordinary amount of money . Will I get this back and what's the best way of going about setting aside the judgment? Would I have to make a claim against Erudio? 2) If I manage to set aside, would anybody have any advice for the next steps? Thanks in advance for any replies and/or assistance. -
Hello all any advice would be appreciated Had a visit from someone claiming to be from Scottish Power yesterday morning asked to see his badge which he held out still attached to lanyard. I asked to take it for full inspection he refused. Was suspicious as I am not an SP customer but with SSE/Ebico but realise im in a Scottish Power area. I let him look at meter and he then stated it had been tampered with and bypassed. I could not believe what I was hearing. I regularly put money on my key (it was a modern prepayment meter) my usage is fairly light due to my health I have a chronic arthritic condition so mobility is an issue and as a result spend a large amount of time in bed. I do keep a close eye on my power usage as I often have to rely on family to put money on it. I couldn't believe what I was being told and the usage has always appeared correct and stated this to the SP guy. He then produced a pad and started saying I can deal with this right now who is your supplier?. At this point I began to worry I was being spoofed and asked him to leave he replied by calling me a thief accused me of tampering with the meter and began threatening me. I closed and locked my door and immediately called the police NE number two officers came within fifteen minutes and confirmed the meter did appear to have been tampered with. SSE came and changed the meter within an hour and left with the police. here I am about to speak to SSE after doing some research on the issue am worried I will be hit with the blame and bill for this. To clarify its a private let and the owners agent tells me its not the landlords problem and the former tenant abandoned the property owing rent I have been sole occupant for nearly four years. Thanks in advance for any advice Phil -
Dear all, I had two credit cards with Lloyds which I settled in 2010. The debts were at my previous address (when I was with my partner) and that address is linked to where I am now. I have been away from the previous address since 2007. I settled the debts in 2010 but continually get refused credit because of the link. Although I settled the debts (and have statements to prove this), the Equifax records show settled in 2012. I spoke to Lloyds and they told me that the accounts were still open until 2012 although I remonstrated that I asked them to be closed once settled in 2010. I suggested that they correct Equifax to reflect the true settlement date and they refused. I wrote to the CEO and his office upheld the refusal. The trouble is that Equifax shows the "arrangement to pay" marker on both debts until 2010 and then green boxes until 2012 when they eventually closed the account. Lenders are knocking me back because of the adverse information. Lloyds never did default me for these, otherwise they would have dropped off after the six years. Sorry for the war and peace.... Questions: 1. Have I got to wait until 2018 before these records drop off? 2. Can I get the linked address removed at all and when? Thank you, Jim -
Hi, Hope someone can help. I have recently moved out of rented accommodation have received a phone call tonight from my previous landlords to advise bailiffs on behalf of Rossendales have attended the property. The Landlord advised I was no longer living there, my c/tax for that property has been paid in full however it appears this balance they are chasing is for monies from 2007 for around £800 and they mentioned to the landlord they also have a liability order from 2008 for this. My major concern is currently I am working away in Birmingham and living in a hotel being paid for by work for the next 12-18 months, however as an address for my bank etc I have put down my parents house whilst I am down here and I am worried the next step will be them turning up on their doorstep. As I currently don't have a permanent address I am unsure what the next step would be as I only go back every 3-4 weeks for a day or 2 to see family and friends I am happy to come to some sort of payment plan with Rossendales -
Hi, I received a Marston enforcement notice for a previous tenant (moved out 8 months ago). I called them up (I have dealt with other bailiffs regarding this tenant) and explained that he moved out 8 months. they wanted proof that he had moved, ok so what do you need - they couldn't (wouldn't?) answer the question and kept saying I needed to prove it. How do you prove a negative? they said they will send enforcement officers. Do I really have to go through all this or is there a way to call them off? The other problem is that I work away a lot and they could potential gain access without my knowledge eventually. -
Hello, Just wondered if anyone can advise. A friend has recently purchased a vehicle through ebay. Shortly after the updated V5 was received a letter was received advising that the vehicle had outstanding finance and that it will be repossessed on the 23rd of this month. I have done some digging and it transpires that the previous owner never sent the V5 off and that the logbook loan was in fact taken out by the previous - previous owner. I have the name and address of the previous, previous owner as it is on the logbook, furthermore I know where they work as it is on their facebook profile, that I had a cheeky look at. I have not made contact yet. Not really sure what to do now at this point, can anyone advise? I have spoken to the loan company, who don't really want to know. Time is obviously of the essence as it is due to be repossessed next week. I really would be grateful if any advice! -
Hi, long story short, I am currently on benefits and have been since April of this year. My previous employer has now agreed after a long battle, that I was underpaid for the last few years and is paying me the difference between the pay that I actually received and the wage rise that I should have received, for those previous years. However I am concerned that they will give it as a wage payment, as if it is earnings for this year, when none of it would be applicable to this tax year since I have not received any wages in this tax year only benefits. So does anybody know if my current benefits might be stopped or affected because of the backpay? Thanks for any advice. -
http://www.insuranceage.co.uk/insurance-age/news/2379614/fca-fines-and-bans-three-former-swinton-senior-executives?utm_term=&utm_content=FCA%20fines%20and%20bans%20three%20former%20Swinton%20senior%20executives&utm_campaign=IA.Daily_RL.EU.A.U&utm_medium=Email&utm_source=IA.DCM.Editors_Updates "Ban follows enforcement action in 2013 and Halpin, Bowyer and Clare have been barred from senior roles at FCA regulated firms. The Financial Conduct Authority (FCA) has fined three former senior executives of Swinton Group a combined total of £928,000 and banned them from performing various roles at financial services firms. The FCA's action follows previous enforcement action taken against Swinton in 2013 when the company was fined £7.4m after it adopted an aggressive sales strategy that resulted in mis-sales of monthly add-on insurance policies. A culture of pushing for high sales and increased profit without regard for customers had developed at Swinton according to the regulator. Peter Halpin, former chief executive of Swinton, was fined £412,700 and is banned from acting as chief executive of a financial services firm. Anthony Clare, the former finance director, was fined £208,600 and is banned from performing significant influence functions at financial services firms. And the same ban has also been placed on Nicholas Bowyer, former marketing director, who was fined £306,700. Competence All three have been banned on the basis of showing a lack of competence in their respective former roles. Tracey McDermott, director of enforcement and financial crime at the FCA, said: "A culture was allowed to develop within Swinton that pushed for high sales and increased profit without regard to the impact on the firm's customers. "We expect firms to put customers at the heart of their business. These three directors should have recognised the risk to customers and redressed the balance so that the drive to maximise profits did not jeopardise the fair treatment of customers. "Those with significant influence within firms are responsible for setting the tone and the culture; they set the example that others will follow. Action "Today's enforcement action should serve as a timely reminder to those at the very top of firms that the FCA is determined to hold individuals to account where they fall short of the standard we require." A statement from Halpin reads: "I sincerely regret any possible unintended detriment suffered by customers. "I acted in good faith at all times and it is of some significant comfort that the Regulator did not impugn my integrity, nor find that my conduct was improperly motivated by incentive arrangements". Swinton was also fined £770,000 in 2009 for failures in its sales of PPI" -
Hi I am sorry if this is in the wrong place but I didn't know where else to put it. I passed my driving test last month and coincidentally came into a little over a thousand pounds which I decided to use to buy a cheap run about. I bought a wee corsa which I love, knowing it had had what was described to me as 'a small bump' the repairs had al been done, although there were a few age related repairs needed which I knew about was happy enough to do it with the price I paid for the car. It turned out it needed a little more work than I thought but I figured that wasn't a major problem as the extra work only totalled around a hundred pounds. I had been getting a little worried that my documents hadn't arrived from DVLA but everyone said that it can take a good few weeks s o I went ahead and started the work on the car (not quite everything is done yet). Today I get a letter from DVLA saying its been a previous write off and I need to get a VIC check done, I am really not happy but I know I have no come back on the seller. The car is in great working order and is 100% roadworthy with just two small outstanding repairs that I plan to do next week. I called DVLA because quite frankly their letter didn't really explain anything and was told that I would need to get this check done before I could tax the car. However I have already taxed it as I bought it on 2nd oct so had to tax it there and then due to the new law. I pointed this out to the lady on the phone and she said she didn't understand how I could tax it and I pointed out that you no longer need a v5 to tax a car with the new law (surely she should have known that) The woman at DVLA told me I would be fine as long as I got it checked before the tax was due again, but she really didn't seem to have a clue what she was talking about to be honest. Do I need this check done urgently? I know I need it done but with the two repairs I have to do I wont really be able to afford it till at least next month and I have to travel quite a bit to get it done. More importantly do I have to tell my insurance company? I have already had a fight with them over something else and really don't want to deal with them just now but obviously now that I know its been a write off if I have to tell them then I will. Should they not have known this? I thought there was a database for insurance companies to check these things. I fully intend to keep the car, I am actually quite happy with it but I am worried about the insurance.
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Hi. I have been self employed for 3 and a half years now. Running a fashion store, bricks and mortar etc. I was in one location for 3 years and 6 months ago moved to a bigger location, more 'prominent' and the rest. Long story short (for now), I am now closing the store and hope to focus online selling clothing, but not under the business trading name. (a new venture). However, I have debts chasing me, from clothing suppliers/brands. I do not have the money they are asking for, and I have had a letter in the post now asking for a final payment immediately. Or the usual 'take legal action'. The business is now LTD. But these debts where incurred when the business was a sole trader. What are my options here? Is there anyway at all I can cancel this debt under the business and fold the business? Any advice/suggestions welcome. Thanks. -
Hi All, I'm new to the forum and desperately need some advice. Basically I was dismissed from my job for not being a good "culture fit" - no warning, no disciplinary etc but was told that they were going to help me find a new job I came into the office on a Sunday and the manager was supposed to help me go through my CV for the employment agency. He called me in the morning and asked if I still had the company owners Ipad (which I brought with me to give back). I was then interrogated as if I had tried to steal the Ipad, and download apps (neither of which are true - and the police were never involved) So they never gave me any assistance and I had to find another job, which I now have. I then receive this text from the manager a week after starting my new job [ATTACH=CONFIG]53337[/ATTACH] Basically the review was from an unhappy customer who had their goods damaged, and I agreed and "liked" the review What legal position do I have? blackmail/extortion etc? I'm not sure how they found the details of my new employer, but no references were requested, and never will be - but obviously he's saying that he will call them and basically tell them untrue information Please help -
Hi everyone, Thanks in advance for any advice any one ca offer. I have had some trouble with my previous employer whereby they ended up offering a settlement agreement rather than taking me down a disciplinary route. basically the crux of the agreement is that my employment ended at end of august with payout in september. i was told i was free to seek other employment whilst they sort out the legal paper work. i got my self a new job but aspects of it could have ended up in direct relation to the reason i was investigated in the previous role so i had to divulge information regarding that. my new employer repeatedly tried to contact my previous employer attempting to gather information about how things were resolved and to confirm my version of events. my new employer was promised a few times a day for 3 days to provide the information requested but never provided it. As a result, my new employer stated that as they coudnt confirm my version of events and the fact that my previous employer refused to answer their queries, tthey withdrew their offer of employment. My question is, where do i stand legally with this. I have been offered a settlement but have not yet signed any paperwork. they have refused to provide a satisfactory reference to my new employer (part of the agreement) and as a result i lost that job. i am now currently unemployed due to the fact i have lost that job and as part of the settlement my contract was to end at the end of august. I have still not received any pay out and my union rep has even asked for an extension to the termination date given the delays by my previous employers thus far. is there anything that i can do in terms of how i am being treated by my previous employer and the fact that they have cost me a perfectly good job? -
I've been receiving letters from Lowell Portfolio, all addressed to my married name, for about three years. They relate to a credit card that I stopped paying in February 2009 when I moved and couldn't get the address changed because I couldn't provide ID in that name (I reverted to my maiden name in about 2002 after I separated from my husband but couldn't get the name changed on this account). They claim to have taken over the account and, although I didn't receive any letter to this effect from the credit card company or a default notice, these would probably have been sent to my previous address anyway. I ignored the letters but they keep coming. Every time I move house they stop for a while and then start up again. My concern now is that the last letter I had is over a month ago which is an unusually long time (although I have continued to receive their recorded phone calls every couple of weeks). The letter stated that they were considering applying for a CCJ and I am worried that they will go ahead with it. Are they likely to do that? Can they apply for a CCJ for a person that no longer exists or would they have to contact me under my current name first? They have presumably been tracing me under my current name as I haven't had any accounts in my married name since that one. There are no accounts in my married name registered at any of the addresses they have contacted me at. Should I challenge the debt and thereby acknowledge being the same person or continue to ignore it? I really don't know what to do for the best. Thanks. -
Hi, I am writing to seek some advice regarding an Orange/EE problem with an entry on my partners credit file. A few years ago she changed her mobile telephone at Phones 4u in a large shopping mall. They infomed her that Orange was being integrated into the new brand of EE and so she asked the Phones 4 u guy to be sure and call orange to cancel the old contract when the new one was activated, this was not a standard upgrade but we both did hear the conversation between phones 4 u and Orange and they did confirm several times that the old mobile phone was cancelled. She ended up keeping her contract with Orange anyway but her number changed. Some 3 or 4 months after this Orange then sent her a bill for rental for the old telephone that had been changed over to the new contract. She refused to pay and she wrote to Orange explaining everything but they just continued to persue what they said was the debt but which we did not agree was a debt we owed. She is not sure what to do here since she is now trying to obtain a loan to get through a few rough months, the only thing stopping her getting the loan is this entry that has been added to her credit record. We called Orange a few days ago and at first they said they had no record of the telephone contract but in speaking with them yesterday they informed me that the contract had now been passed to some debt collection agency and that they had put the charge on my credit file. We did move house in the middle of this and therefore if someone else had tried to contact us we would be unaware of that. Is there anything she can do to take some sort of action against Orange/The debt collection company to get this un warranted entry removed from her credit card? Your comments/advice would be much appreciated. Many Thanks, John.
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Hi, I have my P800 calculation from HMRC which states I underpaid tax in 2012. Upon investigation this was because my employer at the time did not pay the taxman when they paid me. Now I am left with this lump sum. Do I have to pay it, or should the employer pay it?
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I have an outstanding bill from my previoius property which we vacated nearly four years ago. The debt at that time (October 2010) was passed from British Gas to a third party debt collector. An agreed monthly payment was put in place prior to moving. Once I had moved I notified the debt company of our new address. Due to various personal reasons I stopped the payments. on 2nd May 2014 the debt was transferred back to British Gas and they have added the old debt (£1188) to my current gas account at my new property. The monthly direct debit for gas at my new property prior to this was £20. They have now demanded £138 per month, which I cannot afford to pay. Are they within their rights to transfer an old debt to the new property, seeing as the debt is for gas not used at the current address. I have offered a payment of £55 a month but they are not happy with this. I am the sole wage earner in my house so money is tight. My wife cannot work due to a serious illness she suffered seven years ago and at present not receiving any benefit. Not sure whether I could apply to the Trust Fund for help, but think this may have a wage threshold. Can anyone help on this? -
Quick question I had bad credit from years ago. All accounts were defaulted (not settled) and no longer appear on my credit file (they all disappeared years after default). Numerous agencies have tried to chase the debt but cca's etc have kept them at bay. Checked Equifax today and I notice I have 4 trace searches done in the past year or so. What affect do these searches have on credit worthiness as all my other lending is now tickety boo. Can other lenders (especially mortgage lending) see these searches and if so is that my hopes of re-mortgaging ruined? Cheers
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Hello All I was dismissed frm my 5 weeks old job in probation - the real reason was i questioned company's process fo charging interest to their customers and that wasnt really taken well by management few days later i was told i havent been performing up to probabtion standards hence i m dismissed !! now i have to put them as my employer on new application forms i m filling in for another job the issue is if th prospective employer asks for reference what would this company (who dismissed me) say ? i have an email frm the peoples head of this old company where he said i do not need to tell any prospective employer about my dismissal as they are sensitive to my future employment - this email came to me via my union rep so now the question is on the back of this email - would this company not provide actual reason for my contract end? or if they tell them i was dismissed would they have to back it up with any evidence of unsatisfactory performance? what should i do now i have been offered a job subject to references !!! please help i cannot handle any more anxiety attacks regards -
Hi Got to say what an amazing resource this is! I'm new here but hope to be able to add something to the group Any advice anyone can give on the legality of this situation would be gratefully received. My friends son recently moved into a flat - it is the first time he has had to pay bills and suffers from a disability which means he can't communicate using the phone. He is also agoraphobic. British Gas obtained a Warrant of Execution for a debt incurred by a previous tenant, despite my friends son having written to inform them of his presence in the flat, the date he took up residence, and requesting the option to pay by Direct Debit. British Gas have ignored this letter (he sent it Special Delivery so they definitely received it) instead they have sent a letter addressed to ' the occupier' and informed him that they are coming to fit a pre-paument meter next week. His concerns are firstly that they will try and make him pay back a debt that isn't his by setting the rate on the meter to include it's repayment. Secondly that he will not be able to keep the meter topped up because of his agoraphobia. Can anyone tell me what the legal position is on this, regarding the warrant and the rights that BG has to enforce it if the debt is someone else's? How can we stop them from doing it and how is best to contact them in writing - other than the address given on their letters which they seem to ignore? Thanks in advance for any help you can give SD x -
A friend of mine bought a car recently from a very reputable firm After buying the car it broke down within 24 hours, he has then found out that the car was in a previous accident (not recorded) Its a 59 plate Fiesta by the way In fairness the garage took it back and replaced the head gasket, water pumps, cam belts and radiator The problem is the bonnet is still unaligned as well as front bumper slightly off too They said he can pick a replacement car, but how about cancelling everything, can he do that? he took the car on finance through them Thank in advance
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