Jump to content

Search the Community

Showing results for tags 'off'.



More search options

  • 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
    • CAG Radio
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 437 results

  1. hello, hoping someone can help and point me in the right direction. In hindsight I wish i had done some reaesrch beforehand and found this site 10 years ago as now i wouldnt be in the mess that i am in so in 2008 i was in desperate need of funds. I approached a broker who introduced me to lancashire mortgages. initially i went for a bog standard mortgage but due to my circumstances and being self employed it was turned down at the initial stages. they did however offer me a secured loan. i should have seen it then that it was a trap. i took out a secured loan in august 2008 for 26k adding in fees etc it came to 30k. my payments were set @ £310 per month for 300 months in the agreement. I was stupid and desperate and didnt fully understand what i was getting myself into Having re read the agreement now (as i recived a letter a few days ago, more below) it stated in a clause that i understood that this agreement was not to be regulated by CCA. had i done my due diligence and was not so desperate i would never in a day have signed something like that. The first year went fine. all payments made. then in 2010 my employment became erratic and i started to miss payments. the usual threatening letters and calls followed and they put the £35 charges on to the account more than a few times. i always made the arrears payments as soon as i could. over that year and a half i got in total 44 call charges of £35 each and 5 £150 for letters sent for initiating proceeding and 3 for sending letters advising possession proceeding starting @ £500 a pop. It was a bad time. However i paid all the arrears off etc (not the additional charges they popped on) Since then i have always paid on time. for the last 7-8 years i have never missed the agreed payments always in the hope that i can save and pay off the damn thing (I can hope cant i?) the other day i get a letter with a break down of my payments since 2008. I was horrified that i have paid near enough £30k since then (the total loan amount) and there is still 15 years left which means ill end up paying over 90k if i continue!!!! that wasnt the worst however, they have said that my plan isnt on schedule and i have to pay £12k by mid august (given literally 2 weeks notice), to give them a call to discuss options. I literally broke down. no outline as to what that £12k consisted of and no breakdown. letter just says that i had failed to keep to the agreement (well the agreement was to pay £310 a month for 300 months which is what i have been doing) . The agreement was to make 300 payments of £310 per month which i have been doing on a regular basis for 7-8 years now with no missed payments. the APR has always stayed the same with no change even the payment breakdown shows this. Yet the interest accrued was now at £380 per month. looking at the outstanding balance its at £38k!!!! i literally broke down and haven't managed to get out of bed until now I have read all the other posts and know that it changed they from blemain to together. I need to get out of this bad situation. I always knew that i would have to make the payments each month and id have to pay the initial loan amount which was inevitable with such leaches. I was bidding my time to pay as low redemption as possible. started off at 5% and now its only 1%. also with the hope that my fortunes would turn and i would have the funds to pay the leeches off in one go. However the outstanding balance is now £38k and they want an additional 12k and thats not even redemption figures. To top it all off they have registered themselves on my property with land registry. No where on my agreement does it say thats its regulated by the CCA in fact there is a small clause on the first page which states that i understood that it wouldnt be regulated by the CCA and stupidly without understanding the consequences i signed. I thought after april 2008 that the 25k limit was lifted for such agreements to be regulated by the CCA as its what i have read on other posts on the forum? and thus am i right in thinking that my £30k loan is regulated regardless of the tactic they used to insert that clause? is my agreement regulated? can they be adding the interest like they are without even once notifying me that its increased and to advise me to increase my payments? the interest rate has always been the same since day one.. never have they contacted me to say i need to increase payments(why would the i know).. So stuck... they are ripping me off left right and centre and i dont have the will to live. bleeding me dry like leeches. What can i do?? i have to call them in the morning to discuss options but i wont say much or agree to anything as surely this must be illegal or downright immoral. i must have some type of recourse? Can some one help? shed me some light? Thank you...
  2. were do we stand. Moved out of old property 1st Oct 2019 and EON informed prior to this. We have an online chat log of a live chat with EON to confirm that we will not be charged after this period and final bill will be produced in 48 hours great. Now then 147 days or 3528 hours later we are still waiting for the final bill. We are now getting calls and text from old landlord about this as a new tenant has just moved in ( we moved across the road ) and is having trouble getting new supplier for energy we presume. we have complained since Nov. and get loads of excuses from you will have to wait for the new supplier to take over the account, to there's a DI on the account before a final bill will be sent or were working on it still. we have had the letter from EON stating that we can now go to the ombudsman but what can we expect this to achieve. Forgot to say that we have logs of all telephone calls and everyone is recorded .:clap2:
  3. Prices of some snacks almost triple if you buy them at the station rather than on the high street a Sunday Mirror investigation can reveal. https://www-mirror-co-uk.cdn.ampproject.org/v/s/www.mirror.co.uk/money/huge-markups-price-snacks-station-14004342.amp?usqp=mq331AQCCAE%3D&amp_js_v=0.1#referrer=https%3A%2F%2Fwww.google.com&amp_tf=From%20%251%24s&ampshare=https%3A%2F%2Fwww.mirror.co.uk%2Fmoney%2Fhuge-markups-price-snacks-station-14004342
  4. Hi all, I have recently moved to the Winterthur Way development in Basingstoke. I rent a property which includes a parking space. It wasn't until I moved into the flat that I was given a parking permit and told to use it when parking in my allocated space (This was something that was not mentioned in my tenancy agreement!). After moving in I received 2 x £60 parking charge notices for using visitors spaces (Returning within a 48 hour period) to drop off my furniture. I used the visitors space as I had to use a different car of a suitable size to drop the furniture off. Also my space isn't near my flat its further up the road. I kind of understood as I could have possibly been using a space that someone else could have been using, all be it for a very short period of time. After paying these two charges from PPM I thought it was over ! Two weeks later as a result of having to pay £120 to PPM straight after moving in I had to do overtime at a weekend so I was able to pay next months rent. The overtime meant staying away with work from the 8/07/2017 and returned on the 11/07/2017. When I returned on the evening of the 11th I have been met with 2x PCN from PPM on my windscreen whilst I was parked in my own space. Straight away as I approached the car I have seen my permit was not stuck to the top of my windscreen where it was before I left. Both PCN's are for 'Not displaying a valid permit' one for 09/07/2017 & 10/07/2017. I thought this surely wont be an issue I will just send them evidence of where the permit had fallen (A video from my phone was sent) also a picture of my valid permit. After all it is my space and unlike the visitors spaces I could not have inconvenienced anyone as it is 'MY SPACE'. They should just accept that and cancel the charges. To my surprise I have an email from PPM stating my appeal has been rejected ! PPM is now giving me the option to appeal to the IAS but from my understanding I don't stand a chance appealing to them either? I don't really have the cash to pay the 2 x £60 at a reduced rate. Let alone £200 if the appeal to the IAS fails. However I really do feel they can't do this. Any help is greatly appreciated. I understand I probably haven't included all the information you guys need to help but I am also not sure where to start. I have included the response from PPM in a ZIP file with my name and REG edited out. Just let me know what you need and I will post it up ! Regards, tissot docs1.pdf
  5. Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way ) i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it. Do I contact these people or not? I can't remove the Default either way so what should I do? and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800. This is where my second question comes in, my old phone contracts ( yes I was stupid ) have been sold to Lowell, now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017), stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ), now they have now left 3 defaults on my credit file, why is it under THEIR name and not orange etc like the Lloyds? I paid them £50.00 today and going to call up to pay a payment plan, I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether), now reflecting back on that should I of paid them or just ignore them as it would have got written off? Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account? Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter? Sorry, I'm a little bit of a newbie at this! I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?
  6. Hi, good people of CAG, I wonder if you can help me, please. Hi there, I bought a car for Four Thousand five hundred and fifty pounds from a chap on Facebook Marketplace about three weeks ago. At first, it all started pleasantly enough, the seller and I traded details, texts and phone calls. I arranged to meet him at his home address, he wasn't there when I arrived and had to wait about 10 minutes for him to arrive. I drove the car on a test drive around the block in the dark, he had the radio on masking any sound, we took it into a garage which had "some" light. I looked at the car and it seemed perfect, too perfect. I have read that having background music on masks any noise, thus covering up any car issues. We traded details again, phone numbers etc and said that yes, I was definitely interested. We traded texts and I said that I was going to try and get the money together. He then tried to hurry my decision by saying that there were others interested even though I said that I was. Anyhow, I went with my wife to pick the car up on Sunday (6th Jan) We had to wait for him again, about 10 minutes and the car wasn't at his home address. He arrived and my wife transferred the money into his account. We started filling out the log book for the change of owners and he started saying ok let's do this all online so we did. We changed the owner details online there and then which I was a little odd. We then signed a bit of paper saying that the car had no warranty and sold as seen which again was a bit odd but the money had already been transferred at that point. The Engine Management light was on when I drove the car home, I didn't think that much of it as I've had cars where the management light has come on and it was because of a faulty spark plug or something like that. The next day (Monday 7th) I took it to my local garage around the corner from me where I have all of my servicing and MOT's done and I trust them. I asked them to check what the Management Light Fault was. I had a phone call later on in the day giving me some very disturbing news indeed. They ran some diagnostic tests on it and the fault which came up was a problem with the Automatic DSG gearbox and was told would cost upwards of 2k to repair. If the Mechatronic unit is faulty then again you are looking at upwards of 2K, if they have both gone then goodnight. There was also a problem with a wheel bearing at the back, the bulb in daytime lights had gone and the tyres were close to worn on the back. Needless to say, I was fuming, I tried to ring the seller, I sent him messages.... nothing. I then spoke to Citizens Advice who told me to write a letter saying that he was breaching conditions and that you were rejecting the car. wait for 14 days. I sent two letters, one to the address he gave (home address) and one to the "business" address (see below) I sent them Special Delivery so that I could track them (as advised by Citizens Advice) the one sent to his home address wasn't read but the one at his business address was signed for by him Mr Bhatti. I constantly phoned him, left messages on his phone and through texts but he ignored all communication. I Finally tracked him through WhatsApp, he still denied all knowledge of the faults but he didn't answer all of the other questions I put to him, he said he broke his phone and it was being repaired, that's why he didn't respond. He said that it's all my fault and I should have checked the car thoroughly. This was a Private sale but I have since found out that the seller is a director of a company which sells used cars and light vehicles. This I think is the reason he always turned up 10 minutes later as his “office” is around the corner. I have a messenger chat where he told me that there were no problems with the car and the car drove well and the mileage was motorway miles. The previous owner I was told was an old man who drove the car locally who kept it in the garage. The car is immaculate so who was I to doubt that. This was, in fact, a complete lie. It emerges that the old man is, in fact, a minicab driver registered to drive for Basingstoke Council. The owners before him were ERAC UK Ltd who are a Car rental firm in Aldershot. This means that the car would have been driven by anyone and in all different manners. These are Two things that would have affected my decision to purchase the car which he should have told me about. I also have photographic evidence that he does have other cars for sale on Facebook Messenger. The yellow "trader" slip is missing from the V5 log book so this is another abnormally. I also found out through the Internet that he and his brother were charged back in 2007 with handling stolen mobile phones from a shop he worked in so it proves he is a dishonest person. I also joined Which Legal and we are now into the third week after sending my second letter about taking the matter to court, which I can't really afford to do and can't really get the time off of work. I now find out that he has resigned as a director of the “said” company so that’s a bit odd too. Do I have anything here or am I wasting my time or do I give it to one of those "ill buy it.com" places for a reduced amount and cut my losses? Thanks in advance.
  7. The CSA called me over a year ago to ask if I wanted to write off a debt owed by my now adult children`s father from many years ago. I said I didn`t want them to considering he had managed to escape paying anything for the 14 years that he should have been. My children suffered hardships as a direct result of his (Quote) "I`m not giving you money to make your life easier" attitude. There was one period where they assessed him before he left the job and went self employed. They said they had his new address and would chase it up with him by letter. Now I have received a letter saying they plan to write off the debt, which is over £2000. My question is: Is it possible to claim the amount directly from your ex through the small claims process online? Can I request a copy of the paperwork stating the amount owed and send this as proof? I am aware I can do a SAR. I`ve briefly searched forums and not found any examples of people doing this through the courts (to recoup the money owed).
  8. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any help would be great. Cheers.
  9. hello all I have a charging order on my property which I am now in a position to pay off. I have written twice to the charge owner to ask for a settlement amount however they are not answering me. To get this paid off, what can I do now?
  10. Hello all Just looking for a bit of advice please. I own and live in a house which I bought in 2003 on a 25 year mortgage. Since that time I have been paying a tiny ground rent (it’s about £4 semi-annually) to a property management company. I have received an inheritance recently and decided I would try to find out how much it would cost to obtain the freehold on the land my house is built on and how long is left on the lease. This weekend I sent two separate enquiry emails to the property management firm. The first reply I received contained a letter saying they want £90 to provide a quote for buying the freehold. I had only just recovered from the fee they are wanting to send a couple of emails when they responded to my second letter stating that they want £210 to look for the leasehold document to send me a copy from their archives, which they will refund 50% of if they can’t locate it! So they want £210 to answer a question and £105 not to! Does anyone have any suggestions on how I ought to proceed? Many thanks.
  11. ASG installed a boiler in 2014. Had a few problems and ASG staff 'talked us through' on the phone fixing them ourselves while we pay for 'unlimited call outs, repair etc... The boiler stopped working all together a year ago. An engineer came and replaced a part. ASG demanded that we have a power flush carried out (at our expense) as apparently the fault was because of debris...We had to do this or ASG said the warranty would be void. A power flush does not need to be done more than, at most, every 5 years. This year, the boiler stopped again just after the yearly service (!?). A Viessmann engineer came, replaced the same part as last year because of so-called debris. We then received an invoice for £232 for the repair! ASG indicates that the repair and call-out is not part of the warranty. ASG has now sent us a recorded delivery 'final demand'. They will not answer my emails requesting justifications for the bill. The Agreement states quite clearly that ASG is responsible for the maintenance of the boiler including all repairs and replacement parts. I managed to talk to someone on the phone who just kept on repeating, you have our final demand. I inquired about why the filter does not catch the debris and was told that the cleaning of the filter (which they fitted at time of installation) is not part of the service!! ASG are rude, customer service is non-existent. They install, take your money every month for 14 years (!) and completely wash their hands off the terms of the Agreement. They're in this game to make money on the back of people like us who are trapped in an Agreement. Terminating the Agreement would cost us £4000! It's a complete rip-off, their advertising of 'peace of mind' is a con.
  12. My mum has had a mortgage for 45 years. It represents 17% of it's value. They don't want to continue it, once it reached the end of it's term, even after agreeing to continue it in May of this year. We only get to know a repossession court date is due on 30th of this month, 10 days ago. Barclays know she was staying with me over summer and it was only a neighbour checking post, that alerted us. (Barclays has made it very difficult for me to assist my mum on the issue) They wanted a message from the doctor, which they got, now they changed their mind and want a more formal letter via the post. Before 'possibly' reconsidering. Her rate was/is a minimum of 5% and went higher when rates increased recently. So they are earning well from her. Plus she paid off two loans they sold her, to pay off overdrafts, they kept letting her fill up! Until we asked them to stop. Both stink of miss selling. The impact of this will worry her, cause her to fear leaving her home and disrupt her recuperation with us. An effort that took her from being skin and bones, close to death (even with carers/social workers visiting), to eating and being more healthy.
  13. Hi all, first time poster here, apologies if I get anything wrong! I bought the car two years ago, immediately set up a direct debit and - foolishly now it seems - thought that was that. You all know where this is going... So, last month my car got clamped outside the house, that was the first I knew that my car was untaxed. It turns out I’ve been driving for a year with no tax, I was (and still am) a broken man . I regularly check my MOT and insurance online, but tax - it just never crossed my mind, the direct debit was set up immediately, it renews, so all good? Surely there’s a major flaw in the system here? The seller didn’t send off the logbook SO the DVLA had no idea I was the registered keeper. And yes, lo and behold, I now find out about the rule that the direct debits will NOT renew unless they have the keepers details... Then when I finally get the logbook it states that ‘this does NOT prove ownership of the vehicle’ - so what the hell does??? The person who taxes and insured it??? Who then has their direct debits not renewed by the DVLA??? Adding to this is the fact that the missus is not on her logbook (I am) yet they renewed her direct debits??? Also I have two vehicles also registered with the DVLA. The police also found me within two weeks a few months back for speeding (33 in a 30...) It just seems so wrong? Is there ANYTHING I can do about this? I’m guessing not etc etc but if I start getting the fines coming through as they’ve spotted me on camera 6 times over the past year I won’t be able to afford that... All this because they didn’t renew the DD? And doesn’t the fact that they did with the missus ruin their argument? Apologies but I’m completely out of my depth here and don’t know which way to turn. Would a magistrate see common sense and see the flaw in the system here? Is it worth heading to court to argue my case? Thanks Mike
  14. Incredibly, EDF don't say exactly what 7 hours constitute the "low" metering period! It apparently varies by region and possibly changes depending on the time of the year. I can phone them and they will tell me what times apply to me, but their computer doesn't seem able to look this up for me when I log into my online account. It seems to me that I can hardly schedule my usage properly if I don't know when the cheap time is! How do they get away with this kind of thing? Haven't they got a duty to make that information easily available (and a duty to specifically inform consumers if the off-peak hours change)?
  15. Hi all, I received yesterday a lengthy letter from Barclaycard regarding Egg credit card. It told me that they now had my account, and that back in April I should have received notification that the Egg card was being sold to barclaycard. I am concerned as I haven't received any such notice, and moreover, am in a current agreement to repay both my barclaycard Visa and Mastercard debts off. However they have not stopped interest on either card, only reducing the interest to 2 percent. Has anyone else had experience of this or received notifications back in April?
  16. A teacher who drove into an airport worker following a row over a new £3 drop-off charge has been spared jail after a judge said he agreed the levy was an "absolute disgrace". Graham Benbow, 55, flew into a rage at Manchester Airport when he was told he would have to pay a fee for dropping off a passenger at a departure terminal. An airport official tried to stop Benbow from driving his Mazda through an open barrier but ended up on the car's bonnet before he was carried along a road for several hundred yards, Manchester's Minshull Street Crown Court heard. Benbow, a psychology teacher at Altrincham Grammar School, went over a roundabout before he stopped for police. The unnamed worker was uninjured in the incident but said he "genuinely believed he could die from falling off the bonnet." https://uk.news.yahoo.com/judge-calls-airport-apos-drop-172437507.html
  17. 5 months into a 6 month AST, they are over 2 months in arrears. LL knocked on the door last night and the house is empty. All of their stuff is gone. Tenant unresponsive by phone has blocked numbers etc. Questions: 1) What to do about what seems to be surrender of tenancy? LL obviously wants to get in asap clean up and re-let, however I think ti is not as easy as that? I "think" that if we can get tenant to sign a "surrender of tenancy" form then that covers it? But I am unsure. 2) I assume small claims to recover the monies owed?
  18. Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid and eventually NRAM applied for a CCJ. However at the time they did not default the unsecured loan account so it is still showing on my credit file with just many late payments. The CCJ dropped of my account about a year ago and during the 6 years prior NRAM didn't take and forceful action to recover the debt. My understanding is that prior to making an application for a CCJ to the courts they should have set my unsecured account to default and hence it should have also dropped of my account when the CCJ did and the unsecured debt should In theory now be written off. I did contact Experian and raised this issue, they replied stating that they contacted NRAM however NRAM stated they would not be making any amendments regarding this unsecured account on my credit file. I would really appreciate any advise on this matter and if my logic is incorrect. Many thanks in advance!!!
  19. Hi there, Recently i had an accident that wasn't my fault when i veered out the way of an oncoming car that came over onto my side of the road. The cars did not collide and i went into a raised curb, the other driver did not stop and drove away. Major damage to passenger side front wheel, and passenger side suspension with body damage. i have a £3000 excess, with XS direct. They claim the car is a right off and their engineer valued the car at £24,000 when brand new in March 18 it was £37,000 value. They are now claiming it is not economically viable to repair. Car was sent to BMW approve garage as in BMW dealership, estimate of £16,000 all in. They class it as Salvage: S? Please help, is there anyway to convince them to repair the car? Thanks,
  20. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had been. My partner asked to be moved back but was told it is not possible. She thinks she was only moved because her Manager had to cover 6am to 7am as she couldn't get into work for 6am. Funnily enough, the person who took my partner's old position starts at 6am (!) Events and Mismanagement that has led to my partner's Depression: 1. She was late for work twice when the buses here were effected by a huge amount of roadworks (which was front page news). Her bus simply didn't turn up two days in a row and she had to wait for an alternative bus (the following days she caught a taxi rather than lose her job). Both times she rang the Manager and let her know. All seemed okay until over 2 weeks later when her Manager issued her with a stage 2 warning for absence (not even a 'late'!). Luckily I was able to speak directly with the city bus manager who kindly emailed a letter explaining the missing buses and her Manager took the warning off her record. It was like a letter from Mummy for not having a PE Kit! 2. A few days later (revenge?). My partner received a printed warning document detailing things that would need to be improved in her cleaning duties. These included a set of stairs that experience 24-hour high traffic from hundreds of staff which she was warned were dusty and dirty. She was told another inspection of her work would take place on 4th April and if it wasn't satisfactory a PIP Procedure (warnings that can lead to dismissal) would be put in place..skipping the written warnings stages completely! Two weeks later she had the Thursday 23rd and Friday 24th March 2017 off as holiday. My partner went back on Monday 27th March 2017 and was called her into her Manager's office and told that the showers had body-fat in them, even though she had worked hard to make everything A1 before her days off. Her Manager then said "Just because you signed that warning, doesn't mean you can F?cKing slack off anywhere else!" (Bullying?). 3. Two days later (29th March 2017), My partner had a small operation to investigate the fibroids the hospital believe have caused her recurring miscarriages. She was not allowed this as unpaid leave and had to work before going to the hospital. She had to go work the day after the operation too. On the day after the operation she was taken home by the people she cleaned for in FOST and they phoned my partner's Manager to complain; which no doubt will be mentioned in the absence meeting and my partner blamed for it! Anyway, that date was 30th March which was the last day she worked and has been off with depression since. 4. On 24th April we received the letter saying they'll be coming to our home on 4th May 2017 to discuss her "illness, current health status, long term diagnosis, current abilities and when you might be fit to return to work. And also to gain authorisation to contact your GP for a medical report." - We appreciate any advice you can give and for reading this long post. If you can advise on what we should do at the 'Meeting to Discuss Absence' and whether we should print off this post and discuss it or if that would probably mean them finding an excuse to get rid of my partner? She has had depression all the time she's worked there (10 years) and never had long-term sick so could they sack her for depression knowing she has it anyway (last year she had a miscarriage and went sick with depression) Would she have the right to be asked to be moved and, if so, would they have to move her to a post that has the same hours/amount of hours? Staff who have complained in the past have always ended up sacked Finally, their letter says she can have a member of staff/Union Rep (unfortunately not in a union) at the meeting but I intend to be their. It is our home so can they say I can't be there? We will also be recording the meeting, as it is our home do we legally have to tell them so?
  21. This is regarding my house sale which was sold at the end of April. I looked for an online conveyancing quote to keep costs to a minimum. I came across http://www.hbcconveyancing.co.uk/ i got a quick quote of £644. When i went ahead with my order i phoned up and asked about any other fees and if the coal report was included. I was told that price included all fees and its unlikely there will be any other charges. after the sale the total my lawyer took was just over £1200. £108 was for 2 chaps transfers, my request, so i got my money quicker. Its a long way off from the quote i got. What do you guys think here, does these charges seem normal or excessive. http://www.aaenpeach.com/ Aaen Peach Law are the solicitors linked to this online conveyancing mob, is there anything i can do apart from phone them up and moan at them? here is the quick quote i got here is a list below of the charges and fees legal fee ---------- £384 legal fee £54 chaps fee £54 payment of mandates and invoices on your behalf £54 £60 expidited completion, post and incidents £90 fee for acting on your behalf of your mortgage lender.... ------------------------------------------------- £12 transfre charge £60 Registration of Dischage of Standard Security £64 Registration of Advance Notice £108 completion and submission of registration documentation £170 property and legal entity multisearch £45 coal report £55 legal report £9 electronic identification verification per legal entity ------------------------------------------------- £54 transfer of redemption funds and charges and remittance
  22. Ok I'll try to keep this short Bought a car, broke down still awaiting the V5 and fully intend to scrap the car but will also remove some parts from it before it goes. In the meantime the car is whole and in tact and looks in roadworthy condition with MOT. The car is parked on social housing landlord car park and is SORN'd, untaxed but does have current MOT. Have had issues with neighbours and ASB for which I involved the police. They have moaned at the landlord saying the car is "abandoned" to get at me. The council came out and put a notice on the car last week: Polite Notice Refuse Disposal Amenity Act 1978 (as amended by clean neighbourhoods and environment act 2005) Road Traffic the removal and disposal of vehicles and regulations 1984 Reg********* Make xxxxxx Model xxxxxxxxxxx Colour xxxxxxxxx Location xxxxxxxxxx Vehicle reported as abandoned, if you have information relating to this vehicle or are the owner/keeper please contact the environmental protection team at xxxx if no information is received by x July the vehicle may be removed and destroyed ------------------------------- That is complete there's no date or other details on the notice. I emailed them immediately telling them the car isn't abandoned at all and up until today I hadn't heard anything from them. I have emailed them chasing up a reply and just got a curt email from someone with no job title saying contact the landowner yet it wasn't the landowner that put the notice on the car that was the council. I have no intention of leaving the car there any length of time, i've submitted a V62 to the DVLA to get the V5 as I haven't had one for the car yet and once I have it i'll get a scrappy to collect it. Unfortunately I hadn't acted as quickly as I could've done due to disabilities and ill health. So what's the legalities with removing the car in this way how much time do I have? The car is MOT'd until September but is SORN at present and quite happy to get the car gone as soon as I have the paperwork to do so.
  23. I'm living on a private street which is a dead end but my landlord isn't the owner of it, it's someone else. From one side we have access to the side road for a cars, and from the other a gate which leads to the main road. Three years ago the owner of the street decided to weld the gate for no reason. He done it in the morning when everyone living on the street were at work/school. I contacted my landlord to see if he has contact details to the person that owns the street, but he doesn't. Few months later someone made a hole in a wooden fence next to the gate and straight away we started using it because it's much safer than the side road. Few months later the landlord came back to put a new fence. But yet again in the morning hours when no one living on a street was at home. Then I contacted local council, but they said that the street is private and they can't help me. Half a year ago someone made another hole in the wooden fence. Yesterday they changed the wooden fence to the metal one. Again they did it in the morning avoiding people. In conclusion: The owner of the street welded the gate without giving notice, he is constantly avoiding people living on the street and no one has got contact detail to him. Side road even there are houses there is not safe in the evening because one of my neighbours was assaulted down there. Also one of the neighbours travels on a mobility scooter and because pavement is narrow she needs to drive on the road and avoid cars.
  24. Hi, I had a good number of credit card debts - the usual suspects: virgin, mbna, cap1 etc. They all dropped off my credit report a couple of years ago, so I now have what Halifax describe as an A1 rating I would like to remortgage. Should I be worried about a bank or building society that has one of my old credit card accounts in the business group using some sort of set-off mechanism to recover some of the monies I never paid. I'm thinking in particular about a deal I heard on the radio between Yorkshire (building society or bank - I can't remember) and Virgin. But am interested in the principes, too. Thank you.
  25. Hi there first time posting so please be gentle! I’ve worked for my current company for 10 years now and have a really good non sickness record and have never been in any disciplinary trouble. However on 27th April my employer stated and investigation into me and the team I was leading, after 2 investigation hearings I was suspended on 8th May. The company suspension policy recommends 5 working days suspension however I was suspended a lot longer, finally on the 17 working day The stress got to much for me and contacted HR and asked them for an update, 2 days later I got an invite to a disciplinary. The day before my disciplinary I finally cracked and called the sick line with work related stress and got into my doctors a few days later who signed me off for 2 weeks. My employer emailed me to ask if they could contact me yesterday and that call never came despite me looking at my phone all night however they have called tonight. My emplyer asked how I was but then quickly started to put pressure on me by wanting to know when I would be fit to attend the disciplinary, I stated I have the doctors tomorrow and I would keep him updated as per the absence policy which I have followed to the T but stated I didn’t feel mentally ready at the moment to even look at the evidence against me and I felt I needed to be in a better state of mind to fight this accusation (Gross misconduct charge). I want to fight this and don’t want it dragging on any longer than need be but I have only been off sick less than 2 weeks surely they can’t be pressuring me like this without even getting a occupational health report on me? Sorry for going on but my questions are. 1) Can I be dismissed while off with GP’s note through work related stress? 2) Has my employer acted reasonable in all of this, given the amount of stress it has put on me? Many thanks Bob
×
×
  • Create New...