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    • This is on behalf of my brother in law, a plumber.  He is currently taking his ex employer to tribunal (after they reduced his wages without telling him, and change of contract over hours). As such he left the company and started working privately. His ex-employer found out that he was using the same plumbers merchants as them and somehow persuaded them to provide them with copies of his invoices (that he has made himself since leaving). We assume they were trying to find evidence that he was 'stealing customers'.  He only found this out after the ex-employees solicitors sent a photo of these invoices to him as part of the bundle! (they took a photograph of the invoices on the plumbing merchants desk (the photo itself also had the date and time on it!)I am automatically assuming that the plumbers merchant in question is in breach of the data protection act,  I am also assuming, but would like clarity that the ex-employer is also in breach, not sure if the solicitor is also as they were not aware of how it was obtained, although it has since been pointed out to them.  I should also add that I am not 100% sure if the customers details were on the invoice ( as they would have been delivered to their location).   It should also be noted that he also requested a Subject Access Request (in order help track his time sheets for the last year (they were not given duplicates)| and to find out how/ who  authorised the change to his salary).  The Ex-employer stated he was  unable to supply this in the standard time period and also missed the extended three month period, and I believe a complaint was made under GDPR about this, don't think anything was done though).   Any thoughts on this.  
    • Ok my managers know of my asthma. Though never had an asthma attack at work like that. Asthma has got worse - probably had covid a few days before 1st lockdown. No test centres for 40 plus miles at the time.    I have messaged my union rep - also an employee at the store. She is going to put this as a incident and look at any risk assessments done. Plus asked for colleagues that witnessed/helped me during the attack to get their side of the story. As  I was in shock and not fully understanding what was going on.   The refit has been a bit of a shambles imo. No clear plans so literally some rooms needed to be emptied immediately when contractors were told they are there to do the floor, paint the walls etc.  We were told to empty lockers. Then they were taken away with no replacement. Staff not happy with leaving personal stuff in offices. 
    • The country's inability to export its grain has led to food prices rising around the world.View the full article
    • Lots of uncertainties about whether to contact Horizon for and sar or Tesco.  My suggestion to contact Tesco was after finding out if  the original PCN was non compliant.  Most of the ones I have checked in the past have been for several different reasons. That means that the liability for the alleged debt cannot be transferred to the keeper.   Once it is confirmed that the PCN is non compliant the OP can write to Tesco as the keeper pointing out that as the keeper he has no responsibility for the debt and has been denied the facility of appealing to POPLA because of the NTK not being received  at all. POPLA may well have cancelled on appeal because of no keeper liability.  In addition  the stoppage in the car park was for less than the consideration period. The keeper could then add if it was true, that the driver was an infrequent patron of this particular car park and the keeper will ensure that a similar occurrence does not happen in the future.   One could point out that if the camera operator had thought that they had not observed any children in the car, from the Court's point of view  they would have expected the operator to have attempted to mitigate the situation by explaining to the driver that they should either move the car to avoid a ticket or explain where the children were [ref. Jopson v Homeguard]. Then perhaps it could have  been explained that the wife and children were dropped off at the entrance or the children and their mother were already in the store and the driver was there to collect them. [They should also have issued a windscreen ticket since they were in the vicinity but of course that would have meant that they would have had to wait several weeks longer to be paid. It is a practice frowned upon but overused by greedy  car parking companies].   The above paragraph obviates the need to  admit parking wrongly and suggesting possible  reasons for parking there without admitting that either scenario actually happened.      
    • Hey everyone I rented some rackspace from a company on a month to month contract but the customer support has been quite poor of late, my services went offline a few times and they advised my servers had gone over the allowed power limit on my account and required an upgrade which I agreed to but I had enough of the reply times taking hours, never any answer on the phones when I needed support I requested to cancel my services on the renewal date, they advise in their terms of service that if there is a open invoice this must be paid before they will allow collection of your hardware and if not paid within a set time the hardware becomes theirs and can be sold off, reused by them ect I have noticed in their terms of service that it does not state at any point the amount of time before the due date the new invoice will be created which I feel should be a important part of any contract on a monthly billing they will pre advise you of the amount of time before the payment is due when they will invoice you   I was also meant to receive IPv6 addresses as part of my package but never had these although I had requested these many times they advised they were not available but are mentioned as part of my overall package on my invoices     They are asking for nearly £700 payment before they will even discuss allowing anyone to collect my hardware (worth about £5000 in total) and if I do not pay this within a set time they will take ownership of all my servers and use or sell them   Thanks   Update I had advised them I will be hiring a man and van service to collect my hardware, they have suddenly advised that I cannot do this and must use a certain type of company who specialist in server transport. I do not feel this is fair as it is my hardware, fully owned and paid for my me but start trying to set out new rules that have never been made aware of until today after making my request to cancel.  
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Welcome Finance, What To Do ?


EYECATCHER
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I wonder if any one can help, at the moment i have no issue with Welcome however i took out a personal unsecured loan with them 2 years ago when i was in full time employment. Since then about 18 months ago i was made redundant but i have struggled to keep the repayments up to date, I have never missed or been late with a payment. Now my finances have become so stretched i must get in touch with them to get the repayment reduced. The next payment is due in a few weeks but i will not be able to make it in full. I pay by direct debit should I cancel this as the bank will charge me if it is returned due to insufficient funds in the account. I currently pay £131. per month and need it reduced to around £70. until i am back in employment. Can anyone please advise me on how to go about it. I have read with interest some of the horror stories on this site and do not want constant phone calls or visits that they will charge me for.

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do you have a copy of your agreement so i can go over the figures

Thanks for your speedy response, I do have a copy of the agreement however I do not have the facility to scan it.

These are the figures....

FIXED-SUM LOAN AGREEMENT.

Amount of credit for cash advance £2500

Duration 36 months

Amount £131.51

APR 59.39%

Total charge for credit £2234.36

Acceptance fee £75

Interest charge £2159.36

Rate of interest per annum variable 55.55%

 

There are no insurances on the agreement.

Date of agreement 10-04-08

Edited by EYECATCHER
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Ive Rounded Off The Apr To 59 %

A Loan Of £2500 Over Three Years At 59 %apr Gives

 

Monthly Repayment £131.51

Interest £2,234.35

Total Payable £4734.35

Now We Add On £75 Acceptance Fee

 

Total Payable £4809.35

Devide By 36 To Give A Monthly Repayment Of £133.59

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On Welcomes Figures I Make The Apr 63.5 % Not 59.9 %

 

On My Figures Its 65.7 %

 

Seems Interest Rate And Total Amount Payable Mis-stated

 

Ill Let Ozzy Go Over My Figures But Its

 

Game Over Welcome

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Thanks for your speedy response, I do have a copy of the agreement however I do not have the facility to scan it.

These are the figures....

FIXED-SUM LOAN AGREEMENT.

Amount of credit for cash advance £2500

Duration 36 months

Amount £131.51

APR 59.39%

Total charge for credit £2234.36

Acceptance fee £75

Interest charge £2159.36

Rate of interest per annum variable 55.55%

 

There are no insurances on the agreement.

Date of agreement 10-04-08

 

On £2500 total amount of credit (or loan)

 

I make it:

 

Total amount payable: 4734.36

Total charge for credit: 2234.36

Period rate: 3.96132756654

Nominal annual rate: 47.5359307984

Effective annual rate: 59.3902679338

APR: 59.4%

 

As per the Wilson case, the fees must not be added to the total amount of credit.

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On £2500 total amount of credit (or loan)

 

I make it:

 

Total amount payable: 4734.36

Total charge for credit: 2234.36

Period rate: 3.96132756654

Nominal annual rate: 47.5359307984

Effective annual rate: 59.3902679338

APR: 59.4%

 

 

As per the Wilson case, the fees must not be added to the total amount of credit.

 

If the agreement figures are in line with the above, then I suppose the agreement is ok.

 

The only thing you can probably go for is if they havent stated the prescribed terms under the act.

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Hi Eyecatcher

 

It maybe an idea to PM postggj he may have forgotten to check your figures. If those are correct the agreement maybe unenforcable, that interest rate is high.

 

What you should do if the figures come back correct is fill in an income and expenditure spreadsheet for them to see what your outgoings are. There is one attached here for you to fill in:

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=17158&d=1268687658

 

Remember the roof over your head, food bills, council tax, electric and gas come first. Fill in the form and see what you have left to spread amongst your other creditors also.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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