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    • Yes almost Stature Barred. Which means? So basically I wait and see what happens?  Yes i believe so and is this a new 1 upon you guys? 
    • Should have ignored them from day one    Never give them pers financial details only a judge can demand said    Send them a cca request They'll never have a signed agreement. Bye bye debt   dx    
    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
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Job issue please help?


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My Girlfriend took a job in February 2009 at a hotel. The job that she took was on a temporary basis to cover two girls that were going off on maternity. The job description that she was given was the kind of work that she was looking for, and although it was less money than she wanted, the experience was the kind she needed to gain in order to progress her career. She was told that her pay would be reviewed after 6 months, and that the job would be made permanent after this time.


She has never received a contract, nor has she ever received a job description. She has been asked to fulfill several roles (not included in the original verbal job description), to cover more than one member of staff on maternity. She has not received any review to determine how they feel she is doing her job, and has been on the end of some vicious behaviour from her boss.

Despite this she has performed the tasks she has been given well, and has had several positive comments from other members of staff.


Today she has been told that if she wishes to remain at the company she must change her job, accept shift work, and take a pay cut.


This strikes me as very unfair. Having never been given a contract to sign, been overloaded with jobs (meant for 2 people), not receiving any support or guidance, despite the initial promise of wage reviews and extension of the temporary position, and now to be told if she wants to stay with the company accept this lower positioned role, with less money, and more hours.


Can anyone point us in the right direction on how we can get some advice or help?




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She will not have accrued any rights that she has been working for less than one year. Despite this the employer certainly should have given her a contract or released a statement for basic terms of employment. As far as I can see the only right that she has are to receive this statement.


She can complain if she wants but I expect that she will not then be able to get the job that she is being offered. She is a difficult position but frankly there is very little that she can do. She could claim about not having received the statement of terms that this won't produce any great benefit

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Thanks for the reply.


It all seems very unfair, and encourages companies to behave badly. Keeping people on temporary contracts (or no contract) so they can get them to do whatever they feel like, and then force people to leave the company by offering them less money when they have had what they wanted from someone.


I would have thought that there would be more protection for employees?

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She will have a contract even if it is only a verbal one... every full time employee has. Obviously, it should be in writing and she is entitled to such within 4 weeks as raydetinu said. The terms of the 'contract' are agreed at the interview stage and are binding for job discription, salary, hours ect.


The only problem is that up to 12 months of continuous employment has to pass before she is protected by most of the employment laws and they can dismiss her without reason in that period. However, there may be a breach of contract here and as allready suggested, I would advise seeking advice from ACAS.


I certainly would not accept the changes being demanded of her just like that!

Please Note


The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.


I would always urge to seek face to face professional advice for clarification prior to taking any action.


Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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suggest she gets in writing what the terms of the job are and the hours, pay etc. which will form the basis of the contract then she can make an informed decision to accept or not. I would look at constructive or wrongful dismissal if the original terms she was employed on are changed without consultation and agreement, in a take it or leave sort of way. defo spealk to acas.

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