Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which is the name they've used on the Claim form. Does this mean that the claim is not valid and they have to reapply? Also, over half of the amount they are claiming consists of bank charges. Not sure if Default or Termination notices are relevant if they have bought any debts. Please help

I was offered a temp position for 4 months via a job agency, before accepting the position i asked the job agency to email me the job description so i could double check the job title and job description on email as opposed to just accepting it over the phone from the agency. On the first day of the job I was taken to a different section of the company and not placed in the job role I had accepted from the agency (based on the job description the agency had emailed me) I was placed in totall different section/department nothing at all related to the job I had accepted from the agency. I called the agency a few days later to tell them and their response was 'that is surprising i can't understand why they have done that' I thought to myself at least ive got a job, so I spent the next couple of days doing some online reading and tests. After this I was 'trained' by another temp worker on a task which I found quick to pick up, so I thought to myself I would be doing this task until my contract was up in the summer. The following week the team leader told me I was now being 'trained' on a new task by another person (this person told me 'you have come to the worst team possible with the worst team leader) in the team, this person was not a qualified 'trainer'. He only knew the process after having doing it day in and day out over several years. This person did not have people skills at all and talked down upon me making negative comments. I was stressed big time because it was a complex process and the 'trainer' the team leader had picked to 'train' me had been working in the job for years and thought it was an easy job to pick up for someone who had no idea what was going on to start with or was not accustomed to the software systems the company used. I was so stressed I was unable to go to sleep i told this to the team leader who said to me its 'normal'! Nearly 3 weeks into 'training' i was not well and took the day off, the next day I had a 'return to work' interview in which the team leader was negative towards me in regards that it was taking far too long for me to get fully trained up and i was taking far too long on each case i was doing in training. The alloted time was 10mins a case. I was told by the team leader i was taking much longer and he would make a decision if i was right for the job in the next day or so because it was taking far too long time in his view for me to become proficient with the job and tasks. Later in the day the team leader came across over to me with the 'trainer' that was 'training' me sat next to me and said something along the lines of 'your not value for money.....etc' this was the final straw i felt humiliated by the constant negative remarks and decided enough was enough. The next day I was too stressed to go into work, I got an 'Absence without Authorised Leave' letter '...The Company do consider Absence Without Authorised Leave as a very serious matter, and it may be treated as gross misconduct which can result in dismissal, without notice. This is because it has a very serious impact on the Company, our customers and colleagues and is a serious breach of both Company Policy and also of your own contract of employment. Therefore, a Stage 3 Disciplinary Hearing will be arranged and I will advise you of when this will be. At this hearing we will consider the reasons for your absence, including whether there are any mitigating circumstances, before reaching a decision on the outcome. Should there be no satisfactory explanation one outcome could be that your employment is terminated, without notice on the grounds of Gross Misconduct' my understanding is they have decided to sack me but they want to make it official hence the meeting - but why bother if im employed through an agency, the company know i raised some concerns with the position - why did not address those concerns and the team leader putting all the pressure and making negative comments does not understand the process i was being 'trained' on himself - so how can they have a team leader who just wants to meet targets putting pressure on new starters and makes negative comments to such an extent that its effected my health and i've only been there 3 weeks! The question I have is I got the job through the agency, the contract sent was through the company, so why are they taking this agressive approach towards me? Do I simply call the agency and tell them I want to withdraw from the position and give the reasons as the team leader being negative towards me, putting me under undue pressure knowing i was under training and saying 'your not value for money' and him causing me so much stress that i can't go to sleep properly and wake up with worry about how my 'training' will go. The person assigned to 'train' me lacked people skills and was inadequate to train me, the subject matter expert who was the person who should have done the training was 'busy' to train me, so i was left with a person the team leader thought was a 'trainer' because he had worked there several years. I will call the agency tomorrow...please help asap, its effected my health and caused me stress so i am not going back

Hi All Firstly I would like to say thanks in advance for the help and advice i hope you can give me. I had to run for my train last Friday which resulted in me not getting a ticket for my journey, when I arrived at the station the ticket inspectors was there so I had to ask if I could buy a ticket from my start station to which the inspector asked me why i didn't have a ticket for my journey and i proceeded to tell him i had to run for my train and it was a complete error on my part this had happened to me previously about 3 months ago where i got a £20 fine he then told me he would have to submit for a bye law report this morning i received this letter asking if i was the person who travelled etc. i am guilty of travelling without a ticket for whatever reason and was wondering if anyone is able to give me advice or help me draft a letter how i go about this not going to court and hoping to get a settlement out of court. Would they take into consideration that i use to travel to and from this station every day and i can prove i have had yearly/monthly passes in my name for the past 23 years and never been fined prior to the previous few months would they take this into account ? I obviously don't want to get a Criminal Record as I'm in the process of applying for a mortgage so I would much rather be able to settle this outside of any court hearing. Any help greatly appreciated on this matter Thanks Scott

If there is NO bank overdraft in place and the bank somehow authorises the transactions and as a result a series of debit balances are incurred, what is the legality of the bank reclaiming that money via a debt agency collection company? Surely the bank should not of authorised the transactions to begin with as no overdraft was in place (standard current account) Thanks

Hi guys, I've had an agreed overdraft with Lloyds now for the past 2-3 years. The limit has gradually increased from £900 to £3000 and I am always near (but never over) the limit. My balance currently stands at around -£2600 and a couple more DD's are scheduled to come out which will take me to around -£2800. I am currently paying around £60 a month to Lloyds which is broken down as £12 account fee, £5 overdraft usage fee and the rest is overdaft interest. I am quite content to pay this but ultimately I want to reduce my overdraft and get back in the black, so to speak. My question is, all the time that I am within my agreed overdraft limit, are Lloyds likely to start demanding that I repay the whole overdraft back? This is something that I want to do, however, if they demand one lump-sum, I will not be able to do so. Does anyone have past experience in this or been in a similar situation?

Hi guys, I've had an agreed overdraft with Lloyds now for the past 2-3 years. The limit has gradually increased from £900 to £3000 and I am always near (but never over) the limit. My balance currently stands at around -£2600 and a couple more DD's are scheduled to come out which will take me to around -£2800. I am currently paying around £60 a month to Lloyds which is broken down as £12 account fee, £5 overdraft usage fee and the rest is overdaft interest. I am quite content to pay this but ultimately I want to reduce my overdraft and get back in the black, so to speak. My question is, all the time that I am within my agreed overdraft limit, are Lloyds likely to start demanding that I repay the whole overdraft back? This is something that I want to do, however, if they demand one lump-sum, I will not be able to do so. Does anyone have past experience in this or been in a similar situation?