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    • Independent Sage met yesterday and has a new report out.   They think the national test and trace system doesn't work and are urging the government not to renew Serco's contract. They say the job should be done by GPs and local public health people who are already deal with the more complex cases and care homes.   https://www.independentsage.org/an-independent-sage-discussion-document-on-contact-tracing-and-self-isolation/
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    • If you get somebody to cover for you on those last three days, are you saying you are OK?  ie you don't need to go to work in your old job and you can start the new one?  So that gives you what you want - yes?   If you can't get somebody to cover for you, you've got two potential courses of action - which may or may not be mutually exclusive.  First, ask if you can move your termination date forward by three days.  Obviously you won't get paid for those three days and whether your current trust will agree to this depends on what sort of relationship you have with your manager and how much they will need you to work those three days - or how easy you will be to replace.  If they say OK - you win.   Second, you don't turn up for work on those three days.  You will then technically be in breach of contract and in theory the trust could sue you for any financial loss they suffer as a result.  This would be the cost of employing somebody to replace you for those three days.  Will they need to replace you?  I suspect they would not bother to sue you, but nobody can guarantee they won't.  And what if you want a reference from them in future?  If you've already asked to bring your leave date forward, and they've refused, they may rightly conclude that you are taking the pi$$ if you don't turn up on those days, and they won't like it - or rather they won't like you...   Or, as I said before, get your new start date put back three days.   The thing is, your current employer can't extend your notice period unless you agree.  If they won't allow you to take leave owing to you during that notice period, they should pay you for it.  Whether you should write to them as I suggested earlier is more complicated because the situation is much less clear cut than you originally outlined.  (You had implied that they had already refused your request to take leave owing to you during your notice period and that you would have to extend your notice period to allow you to take that leave.  That isn't quite the position, is it?  And they haven't actually said they won't pay you for any leave you don't take, have they?)   Two other things: first, are you changing employer within the NHS?  If you are, it's a possibility that questions may be asked if you are in the pension scheme and you have two periods of full-time employment that overlap.   Second, your manager's email refers to "your last working day".  This is a little ambiguous and can cause a lot of confusion in the NHS.  You may wish to check whether they mean it is the last day of your employment (ie including any leave you are taking) or is it the last day you are actually present working.  Do you see the difference?  Managers often get hopelessly confused by this without HR guidance.  (And HR often get it wrong).   It's a pity you can't or won't seek union guidance if you are a member - that's what you pay for.
    • And with 33% equity nobody will care either.
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alumb05

Moving Home Mortgage Problems, pleeeease help!

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Hi

 

I will try and keep and keep this short.....

 

I was hoping to close the deal on selling my house and buying another house on Monday but I have run into a problem so any help I can get back soon would be a great help.

 

I am an IT Contractor and I have been on the same contract for the past 4 years (it just keeps getting renewed!). About 3 months ago I decided to move from my Umbrella Company to form my own Ltd Company.

 

My current mortgage is a 5 year Fixed Rate mortgage that I started last October. I phoned my Mortgage Company (Marsden Building Society) to tell them I was moving and they have come back and said they will not port my mortgage across because I have not been Self Employed through my Ltd Company for at least a year. I asked them about going back to using an umbrella company but they said I would have to have had at least one contract renewal. My current contract does not expire until late Aug 2009.

 

I find it ridiculas because I have been in the same job for so long but just because I changed to have my own Ltd Company I can not get a mortgage. My take home salary has only got better if anything.

 

I think my only option would be to pay my early redemption fee (£4,500) and then try that way but I suspect that nobody else will give me a mortgage either.

 

Does anyone have any suggestions?

 

Thanks in advance

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My view only.Sounds to me you have no choice but to put things off till you have run your Ltd company for a year.Shame to have to close it down so soon ,even if you did ,there would still be a delay in your move.As for the ERC,.4500 well like you say,a gamble whether you would get another in time.Please let us know how you resolve this matter,Good luck,Tawnyowl.

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Thanks for the response

 

I have my Financial Advisor looking into it as i type. Hopefully he will be able to get further than i did with The Marsden but i'm not holding much hope.

 

Do you know if anyone has ever re-claimed their Early Reypayment Charges back? I have read a few post on other sites about how people have won cases but this was back in 2007 and things have changed with the Bank Charges and probably have for Early Repayment Charges. I would love to be able to claim it back and i may even have a go even if i don't stand much chance of winning. From what i have read, as the amount is under £5,000 i would not have to pay their costs if i lost so i think it would be worth the £150 to lodge the claim just to see if i can get them to settle out of court for half the charges. Any thoughts?

 

Thanks

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Does anybody have any thoughts on claiming back Early Repayment Charges?

 

Thanks

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I can only find this,perhaps you have seen it allready.Good luck in your quest,Tawnyowl.http://www.consumeractiongroup.co.uk/forum/mortgage-companies/109059-erc-legally-binding.html

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Also a few discussions going on here.http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/187779-early-repayment-charges.html

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