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    • Ok another update and its all rather confusing, ive been trying to work this out for hours now and I cannot make any sense from it all.   Apparently the meter was put in on the 1st of April, I was sure it was July. However what makes sense is that I gave a reading in August, which I thought was for the month but it was for the quarter. I must of written it down wrong for a monthly reading, when it should have been written down as a quarter reading. I may have wrote the date down wrong when to read the meter.  However I do know that I contacted bulb a week before the meter went in, that I am very sure of. Which would of been about the 27th, They have it registered that I gave a reading on the 29th of March. However they have an opening reading from the 12th of March.    Im confused with that date as I know I contacted them a few days before and they put the meter in as an emergency and was definitely done the following week. Despite my memory being shot at the moment I do have some dates written down and the date of the change is on my meter. However its a little hard to read, it does look like the 1st of the 4th but it can also look like the 1st of the 7th. I was with 2 previous companies so July would make better sense. I moved into the property mid January, EON was the provider and I changed that within the first month so would have been February, then I went with OVO and changed them as they couldnt provide the normal meter for about 6 months at the time so changed to Scottish power. I know I was with them for at least a month before I contacted Bulb as they also couldnt change the meter to a credit meter.    So April doesnt seem to fit here. Im still trying to find any paperwork I might have to verify all this but I know everything was done via phone and online. I wish everything went back to paper bills, it was so much easier to try and trace back.    Anyway they have done a closing account for the prepayment and im a little confused at this.   The charges from the 12th of March 2019 to the 4th of April 2019 are £376.91.     Now I know that there is no way I put this amount in the prepayment meter. I had no heating on in that month, I remember it was such a mild Spring and I rarely had any heating on as this bungalow is very well insulated. The most I topped up in just one week was £25. So how they can justify that amount, I cant even guess.    Im worried they will use this amount to estimate my usage. I still cant get to read my meter, even if I stand on a ladder as its so high up and it just looks like a bunch of zeros, Ive even taken a photo but it still looks like a bunch of zeros, even when blown up. It was hard to balance on a step ladder as it was with one hand trying to take a photo, so not the best.   Ive managed to get into a link they sent me, its a portal. The balance is showing nil owing. and there are no statements showing.    So basically all they have sent is a closing balance on the prepayment meter and log in details for a portal with zero balance. Ive requested the meter be read. Which I keep asking for, but my landlord will come and try read it for me so I can send it.  Im just worried when I do im going to get such a large bill I cant pay. These people just seem so elusive on what I should do despite asking these questions. The only answers im getting doesnt seem to make any sense.    I know its partly my fault, I should of kept at them, but its not been an easy couple of years. 
    • But they added £60 on top of the £100 before court costs Thanks though, how do i file a defence , do i do it by hand?
    • If the hire purchase agreement ends in your husband's name then it will be your husband who will have to bring any complaints, bring any legal proceedings – et cetera. Write to Blue Motor Finance in the way that I have suggested. Point out that you have asserted your rights under the consumer rights act to reject the vehicle and that is the end of the matter. Tell them to start making arrangements to refund your the money and tell them that you won't stand for any nonsense. If you have pointed out to them already tell them that there will be legal proceedings unless they sorted out extremely quickly. What have you done to get rid of the car? If you've got Blue Motor Finance's prevarication in an email that that is excellent and you will use that against them. This thread has already been tweeted out to them and they will see the tweet on Monday and they will understand that they are been discussed on social media – and that it doesn't look very good. I'm sorry to say that you have to keep the pressure on very hard. You expect this of these kind of car dealers. You don't expect it of a regulated finance company – but am afraid that some of the poorer ones do act like this all too often. You can certainly call them if you want. What you definitely want to see what a reference number and if you call them tell them that it is a complaint. You can also tell them that they are been discussed on social media. Please keep us updated. I'm afraid that this is unlikely to be the end of it.  
    • So got the official judgement  sealed on 15th June , but refers to handed down 9th June    doesn’t say when to pay by - is it 14 days of the 9th or 15th (to stop any enforcement) or 28 days from 15th or 9th to stop it appearing on credit file ?   also I’m hoping it’s the legal jargon -    bur says each defendant is to pay  £25,000 and interest £1644    I know I brought his up before , but it’s just legal jargon for each defendant is liable to pay for the £25,0”” and £1644    rhey don’t actually order us to pay 54,000 for a  25k claim ???!!    
    • My apologies it’s Lumb’s with an S in Brigg North Lincs. As per my invoices anyway!   the upgrade free is for an entirely different machine so replacing the one we have with another machine that is deemed appropriate for our site as it holds water within the machine. 
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My wife has received this letter from a firm of solicitors in the UK, who make many appearances in these forums. They reckon they are acting on behalf of her UK employers (we've been in Australia for four years).

 

Dear Sir/Madam

{Employer's name and alleged amount}

We have been instructed by our client to contact you directly in relation to the above outstanding balance.

 

We will endeavour to assist you in any way possible to clear your outstanding debt, however, this can only be achieved with your full co-operation.

 

All correspondence and payments in relation to this debt must be addressed directly to ourselves and not to our client.

 

Payment should be submitted in full to reach us within the next 7 days or contact made with this office immediately by calling 0845 {number}.

 

Your cheque should be sent to us made payable to {solicitors name} with our reference of {ref} quoted on the back of the cheque.

 

Alternatively, you can use our secure online payment facility by visiting http://x or you can pay by credit or debit card by calling 0845 {number}.

 

Failure to make payment or to contact our office may result in legal proceedings being issued against

you.

(I have removed all the identifying details.)

 

Are we safe to ignore this or are we likely to end up with a big man at the door seeking the money (less than £5,000, in case that matters)?

 

Would be grateful for any advice from anyone here. I have had a look at the can I be sued overseas sticky and it seems to say she could be pursued over here - is that correct?

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It depends on the type of debt, is overpayment of wages?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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It depends on the type of debt, is overpayment of wages?

 

Thanks for the quick response.

 

We think they are trying to get her to pay back her maternity pay, as she didn't go back to work after she had our child (as we migrated).

 

She did get an e-mail from the employer's HR department about three years ago about that, she replied basically saying what right did they have to claim it back?

 

Got no response to that e-mail, and this is the first we've heard about it since.

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Technically speaking they could pursue through your court system but whether it would be financially viable for them to do so is another question. ;)

 

I was under the impression that it was optional for a mother to return to work after the statutory maternity leave. Statutory Maternity Pay : Directgov - Money, tax and benefits

If you go to live or visit abroad

 

Once you become entitled to or if you are already getting SMP and then go abroad, your employer must pay you SMP.

 

If you work outside the United Kingdom (UK) for a UK employer you may be able to get SMP if your employer pays NI contributions for you, or would pay if your earnings were high enough.

 

If you worked for a UK employer both in the European Economic Area (EEA) and the UK and actually worked in the UK in the 15th week before your expected week of childbirth you may get SMP even if your employer has not paid NI contributions for you.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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I've flagged your post for another mod to have a look at when they come on-line, they are more knowledgeable in this subject than me. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Technically speaking they could pursue through your court system but whether it would be financially viable for them to do so is another question. ;)

 

So does that mean we are safe to ignore this?

 

I was under the impression that it was optional for a mother to return to work after the statutory maternity leave.

 

Yes, probably true for SMP but she was paid more than that legal minimum (%age of her full salary for n months, can't recall the precise details) and it may be that which they are seeking to recover. Also, our son was born in the UK, we migrated when he was about 6 months old so not sure how relevant that quote is. As I say, we asked for details from the employer three years ago and were given none.

 

I've flagged your post for another mod to have a look at when they come on-line, they are more knowledgeable in this subject than me.

 

Thanks.

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I suspect it all boils down to the exact terms of her contract and if there's a clause about repayment. You could do one of two things... ignore them, although they are likely to become more threatening or write to them demanding proof of the debt. The only way they'll be able to do that is by producing a copy of her contract.

 

Depending in which State you live, certain ones have a Statute of Limitations of 5 years... even if they tried to use the legal route the debt could be Statute Barred.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Guest Mrs Hobbit

I would write again to the employer and ask for details. I would not respond to the writer letter.

 

I would then wait. I had something similar when I moved countries and I found out that they couldn't do anything. It was for something I discovered later, had been paid and luckily I had the paperwork. i never responded nto any letters. There was a knock on the door, the fellow was very nice, but I told him to refer back to the solicitor I used in the original country,.

 

I would establish with the ex-employer what they are trying to recover. Tell them you will only deal with them and no-one else.

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Depending in which State you live, certain ones have a Statute of Limitations of 5 years... even if they tried to use the legal route the debt could be Statute Barred.

We are in NSW, where the statue of limitations for a debt is 6 years. Our son turned five last week so we're still within that timeframe :)

I would write again to the employer and ask for details. I would not respond to the writer letter.

The letter says to only deal with the Solicitors - I guess that means they are working on some sort of commission basis?

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If you do contact them I suggest that you tell them to prove it & the only way they could do that is by providing the signed employment contract & copies of payments. Even then once the SMP is deducted the figure would probably be lower... they would have just made the salary shortfall up.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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