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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • I made that payment on 13th Feb, then it all went down hill. 
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
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Redundant and still no wages.


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Hi,

 

I have recently been made redundant due to the shop closing down. We were given 1 weeks notice only.

 

The shop closed down on the 31st of October 2009 - today is the 16th of November and I am still wating for my wages.

 

I tried calling my employer but she does not answer my calls. She only replies to my txt messages.

 

I texted her about 2 weeks ago asking if she's paid my wages, she replied saying that she posted a cheque to me and another co-worker.

 

But the cheque never came (co-worker still has not received it either). So I txted her again asking to make a payment directly into my account and IF I get the cheque in the post I will cancel it.

 

She said that she canceled the cheque that she posted and asked for my bank details so she could pay the cheque directly ino my account. But I still have not recieved any money. I texted her again sayin that I am getting alot of overdraft charges and unpaid DDs and Credic Cards and if she could pay the money into my account ASAP. I asked her to do it on Friday.

 

She then replied, I have been unwell and I wasn't going to get out of bed for anyone! I don't know what happend to the cheque but I posted it so it's not my fault you are being charged for unpaid DDs and late credit card payments! etc. etc.

 

So, it's the 16th now and I am still waiting for my money.

What are my options? What can I do to get the money legally and get her to pay for my overdraft charges etc.

 

Thank you for your help.

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It's a mini photo lab shop.

I, as well as others working there, have never seen any contracts when started working there. However, they, the employers/owners of the shop have mentioned our 'contracts' verbally in some situations.

 

I do not know their how address, - I do know where their other store is, which is still operating. And obviously, I know where the Head Office of the business is.

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Ok. What I would do is write a letter detailing the dept owed-

headline it letter before action.

Address it to your former employer, stating that unless payment is received within 7 days you will persue all neccessary legal options to recover the money.

Send it by recorded delivery to the remaining store.

Also send a copy to the Managing Director at the Head Office.

 

Not paying you constitutes an unlawful deduction of wages, so you should have a simple case to recover the money.

If they don't cough up it may take quite some time to recover though.

 

If I might ask, were you paid National Minimum Wage, or something very close to it?

If so, non payment of wages would probably mean they've not paid NMW, meaning you can complain to HMRC . They have a help line 0845 600 0678

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