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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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bradkb

Part time job - started, worked a week, left no pay?

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Guys

 

My wife started a part time job as a cleaner, starting at 6.30 am till 8am Monday - Saturday, she did a week, but half way through realised it was wreaking both her sleep pattern and her, she was shattered near the end so I said to jack it in.

 

She rang her boss on the Friday, explained to him and he said he did not blame her, life and well being comes first. Saturday she did her shift then that was it.

 

Roll on to the scheduled pay day and nothing. I told her to ring them and find out, so she did, spoke to HR who explained she did not give notice as per her employment contract so no pay, she explained she never got one. The Woman said she signed an Interview Document which agreed to terms in the contract, so no pay, and that was that.

 

Surely she is entitled to pay? They say they incurred costs and because she didnt work notice, there is nothing to pay her, and the fact of the contract, which she has never seen.

 

Looking on ACAS, it says over a month should give one weeks notice, what about one week working?

 

Any ideas? Gratefully recieved. Its only £50, but its £50 I would rather she enjoys than them.


Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

There is hope, you just have to find it....

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I would suggest that you write to them, requesting that they substantiate their claim that she gave signed agreement to them witholding her pay in this situation.

Unless they have her express signed agreement that they can withold payment, they are contravening Section 13 Employment Rights Act 1996 (Right not to suffer unlawful deductions form wages).

They would also have not paid her National Minimum Wage.

 

With less than 1 months continuous service, she has no statutory obligation to give notice.

If she did sign something saying she agreed to their terms and conditions, it might be a bit sticky - you might have to put up a fight for the money.

 

Post back when you've got the information from them.

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Many thanks for that, have done a letter, will update when we get a reply.


Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

There is hope, you just have to find it....

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