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    • You have fewer rights, not no rights. You can't take your employer to Employment Tribunal for Unfair Dismissal in most circumstances until you have worked there for 2 years. But you can take your employer to Tribunal to recover unpaid wages however short a time you have been there.   But your concern at the start was "... when I leave next year, will they pay my overtime" so you are planning to leave anyway?  Have they paid you overtime up to now? If so your payslips will be evidence that under your contract they pay overtime so if they don't you can bring a claim for unpaid overtime agaisnt them. Do you have any reason to think they won't pay it?   Keep your payslips!        
    • In the first two years they can pretty much get rid of you for any reason (or even no reason!), so it's perhaps a bad idea to give them any excuse until the two years are up.  Even then, establishing that say, you've been unfairly dismissed, is not always easy.   In the first two years I think you would be able to sue for "wrongful" (as opposed to "unfair") dismissal, but there you are talking about legal differences beyond my competence.   Is there a problem other than the lack of a written contract?  You could ask again (tactfully).  eg "Oh - I've just realised that I don't seem to have a copy of my terms and conditions.  Can you let me have a copy?"  If they keep refusing you might decide that either (1) there's something funny going on here, or (2) they're simply incompetent.   Assuming you pay tax and NI, you may want to check with HMRC that deductions are being paid over to them.  (I assume you can do this without your employer knowing - others will know how).   Are you being paid for overtime worked?
    • as it is on a separate pole and not on the building the height is immaterial. the deemed consent requires the height to be no more than...... and they dont have that because it isnt attached to the building Do not confuse the 2 things
    • yes please, go back to the very beginning to explain everything. We will need to know what you put down in writing fro your defence as well as the info on the signage that is contested. Did PE argue that the signage has chnaged since you entered the land and breached the contract or did they simply state that there were 5 signs when that is clearly not so? appeals are on either matters of fact or matters of law so if you want to raies the planning issue then that is a matter of law (no contract can be formed) but not raising it earlier will make that a difficult ne to put forward. It is unfortunately very common for PE and others to just tell out and out lies when it comes to signage etc so look up other cases where they ahve tried the same trick and use that as evidence if possible
    • I get the distinct impression they would not vote to bring down a government thats promising Brexit deal or no deal until after Oct and a hard Brexit.   I don't doubt that would suit Corbyn too.
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New mortgage arrears template

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Please read this article - http://www.consumeractiongroup.co.uk...lender-conduct

 

Follow the links to the FSA website and read the for articles. Two of them are FSA summaries and two of them are the FSA final notices in the case of Deutschebank and also in the case of Redstone.

 

They are not difficult to follow although Deutschebank is 20 pages and Redstone is 15 pages. It is really quite essential that you understand the FSA's reasoning in both of these decisions. It will give you a lot of confidence about what you are doing.

 

Follow any discussions on recovering mortgage arrears in the forum. If there are things that you are not certain about, then ask questions on the forum.

Before sending off the letter, you should have already assembled all of your mortgage statements and be certain of the amount of money that you are reclaiming. If you have not done this, then you need to send your mortgage lender an SAR in order to find out exactly how much they have taken from you.

 

Additionally if you have been charged for counsellor visits – which either have not occurred at all – or to which you have not agreed, then you should claim that money back as well. If you have been charged anything between £50-£100 or more for counsellor visits, then it may be that those charges are unlawful because it is clear from the Redstone case that your lender is only entitled to charge the actual cost. In that case, the entire charge is invalidated – not just the excessive part. In that case you should also proceed to reclaim all of that as well.

 

You will have to bring a county courtlink3.gif action. It is not complicated and it should not be frightening to you.

 

Do not imagine that sending the letter is suddenly going to produce your money. Financial institutions generally have shown themselves to be greedy and stupid as well as bullying and unfair.

 

We can help you deal with them so you don't need to worry too much. However if you are simply trying to bluff them into paying you your money and you have no real intention to go to court, then do not send the letter. It will be a waste of your time. It will undermine the efforts of others who are really serious about recovering their money.

 

Mortgage arrears template letter before action


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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3039 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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