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    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
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Hi

Not sure if in the right place, please move if not !

My student son worked for (edit) as his saturday job whilst at college and left in May. He was paid up to date, but was aware he may have had too much holiday pro rata, but wasn`t sure.

 

He had to write to head office about references etc, but did mention that if he did in fact owe any hours, he`d happily make them up in any store that was easy to commute to.

That was at the very beginning of June. He received an email back in response which addressed the points he`d raised in his letter but made NO mention of any hours owed.

He heard nothing more until a demand for £68 came through from The Corporate Consortium on behalf of (edit) some two months laterdemanding payment.This they say is for 15 hours holiday pay that he`d previously taken which he wasn`t entitled to on a pro rata basis.

 

Today, he has received a further letter demanding £119 !! as they say further information has come to light !!!!!

The additional £51 is apparently for `unexplained absence` ???!!! We know absolutely nothing about that !

 

The problem is, he is off to university in Sept and simply can`t pay this back and there is no way I can.

I don`t think this can affect his credit rating unless of course (edit) decide to take him to a small claims court.

I`m worrying myself sick over this and it really has overshadowed his excellent A level results.

 

Should we just ignore? or respond by telling them to prove the unexplained absence? I think its so unfair especially since he offered in writing to make up any shortfall in hours.

Any suggestions greatly appreciated !

Edited by ErikaPNP
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Moved to the Employment Forum

Edited by cerberusalert

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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Hello. If this were me, I'd be asking for a written explanation of how they have arrived at these figures and what they relate to. You can't be expected to know whether they're right or wrong if you don't know how they're calculated.

 

HB

Edited by cerberusalert

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This may well get bounced to the Debt Forum. What you are dealing with here is a debt collection agency.

 

Are you able to provide as many details as possible about the company who have written to you? Address, Company Registration, Telephone etc? I think Boots may have passed this to a company who will collect the original amount and try to make a few extra quid in 'fees'.

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Interesting....

 

Name & Registered Office:

CAPITOL COMMERCIAL COLLECTIONS LIMITED

CAPITOL HOUSE

SAINT MARYS ROAD

WATFORD

HERTFORDSHIRE

WD18 0RR

Company No. 03625539

 

http://www.capcomcol.com/

 

No Win No Fee debt collection service. No mention of 'The Corporate Consortium' on the register, or their website. Probably breaking all sorts of rules about misleading consumers and false representation.

 

I would fire off a strongly worded letter to Boots about the passing to a third party of your son's personal data (although that may well be covered in the small print of his contract), and the use of a debt collection agency to administer a matter which was already under correspondence between employer and employee. Send Capitol a sod off letter and refuse to deal with anyone other than the employer. Either that or let Capitol huff and puff - there is nothing they can do anyway.

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  • 2 years later...

Hi, I was just wondering what the outcome of this was? Did the Corporate Consortium keep sending you letters, or did they leave you alone? I used to work at the same employer while at University but left about 3 months ago and then, out of the blue, I have received a letter from the Corporate Consortium saying I owe £68 as I was paid too much holiday - which sounds suspiciously like the letter Poppy173's son received.I'm pretty sure I haven't taken any holiday I shouldn't have done as I always asked permission and requested holiday from my line managers. Should I ignore this letter or contact my old employers about it?Many thanks, Amanda

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Hi Amanda

 

I actually googled the CEO of Boots and emailed him directly (sorry, I can't remember the details). Obviously he didn't respond BUT it was passed to someone VERY senior.

I respectfully asked that they write the debt off as they were causing both me and my son considerable stress. I also complained about the tactics of Corporate Consortium and mentioned how rude they were when I phoned them to resolve this. The stupid thing is, every time CC wrote to my son, the figures quoted were always so different ! Sometimes higher, sometimes lower.

 

I also think its disgusting that such a trusted name as Boots, couldn't have written initially before sending in the rabid debt collectors.

Anyhow, the response to my email was swift, and the amount they claimed was owing was ..............written off!

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Good to hear that - thanks for the update.

 

Always worth remembering that a debt collector - any debt collector - has very few powers and is usually engaged to frighten or embarrass an individual to part with money which may or may not be genuinely owed to their 'client'. For many, the stigma attached to words like 'debt' 'court' or 'bailiff' will encourage a percentage to pay up to be rid of the shame of it all. Bear in mind though that a commercial arrangement will exist between the originator and the debt collector whereby the debt collector will write to an alleged debtor a certain number of times in return for a cut of whatever money is collected. They know they are powerless to do anything more than write, and after a predetermined series of letters (the last of which will often indicate that they are recommending that their 'client' starts legal proceedings) you will rarely hear anything more. Any further action will start to cost the client money and with a diminishing chance of successful recovery, the amount will be written off. Only the organisation owed the money can take legal action, and unless the amount involved is significant and there is little dispute that the debt can be enforced, Court action is simply not viable.

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