Jump to content

Showing results for tags 'agreeing'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • Records

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location

Found 3 results

  1. Myself (and other employees) declined (politely) to have our photos taken for an annual report. We were then punished by our operations manager who stormed up to our desks and demanded loudly that we take extra work because we had let the team down. This is despite the fact that that we had manned the office phone line and worked on our tasks while the photographer was taking photos of others. This happened less than half an hour before we were due to finish work and was the last working day of the week for a number of us. No reference was given to the fact that I have childcare responsibilities and had to leave on time to pick my child up. Can our employer discipline us for not having a photo taken? Is it not our right to refuse permission for this? The wider background is that this is a very unhappy workplace. Previous photos taken were used for purposes other than what was originally stated by a partner organisation and we were given no guarantees as to the scope of use for these new photos. Personally I informed my manager twice that I felt really uncomfortable and anxious about having my picture taken and was given no reassurance but just punished in front of the open office. There are also LOTS of other issues unrelated to this but any advice on the photography issue would be hugely appreciated. Thanks in advance!
  2. Hi All, I have been reviewing a number of threads on this site to come up with a strategy to deal with the debt problem we have. To summarise my wife has run up a number of unsecured debts without my knowledge which is now out of control (see below): Sygma Bank £3670 Sygma bank (different account) £2379 Barclaycard (previously egg) £3314 Barclaycard £2802 Tesco £1871 TOTAL £14k We have written to all creditors (recorded delivery) to ask for 28 days grace whilst we try to find a solution to our debt problem. We followed this letter with a CCA request (also recorded delivery) and we have received responses from all. We are going to post today our income and expenditure which details the nominal amount we can afford to pay monthly to each creditor (worked out on a pro rata basis). Whilst sending all of the above letters my wife is still receiving constant phone calls (which we are ignoring) and demand letters. I n most cases we are incurring additional late payment charges and default notice charges (all of the accounts now have a default). I have a number of questions and I would appreciate advice on this forum to make sure we are dealing with the situation in the best way? 1. We have some equity in our house, therefore can the creditors make a claim on this even though the debts are unsecured, only in my wife's name (mortgage is in both our names), and we are offering to pay what we can afford? THIS IS A BIG CONCERN FOR ME. 2. We can afford to pay less than £3 per month to each creditor (I am sure this will not be accepted) and as read on other forums it is likely that the debts will be sold. At what point will interest stop accruing? 3. Since my first letter asking for time whilst we try to resolve the problem, can I ask the creditors to remove the charges which I deem to be unfair and unhelpful considering my situation? 4. My wife's credit rating will be damaged now because of recent defaults, will this also affect me even though I am not on any of the agreements? Not that we are in a position to get credit in the foreseeable future, I may need to re-mortgage at some point and want to know if this will impact? 5. I have already had a doorstop visit, how can I stop this and ensure correspondence is only in writing? 6. Is it worth uploading the credit agreements for advice. I have read on some threads that some agreements are not enforceable? This point really annoys me because the debt my wife has accumulated should not have been approved because she clearly could not afford it. Some of the agreements do not have her signature, is this normal? 7. Even though the debts are in my wife's name only I have done a joint income and expenditure (for our benefit only not to be sent to creditors) and the situation is the same, we cannot afford the repayments. I am therefore confident if challenged on a joint basis in the courts I could show that we cannot afford the repayments. Ultimately, I need the creditors to accept the lower token payments as this all we can afford. I also need for charges to be removed and interest to stop, which I am assuming will happen shortly. In the meantime I will try to find as much overtime as possible to save enough money to eventually pay the debts off completely - if this is even possible? If anyone could answer the questions/concerns I have raised I would be extremely grateful. We are both very worried about the impact on our house as this is the only money/equity we have for our futures and potentially for our children when we go - I want to protect this at all costs. Thanks!
  3. Do I need to send all of the info asked for by Cap 1 to set up a payment plan? My gut says no only the courts can ask for budget sheet, bank statement and payslip. Its just they are the only ones asking for it. Thank you for your help
×
×
  • Create New...