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    • If anybody has any advice here, it would be greatly appreciated, I already suffer with pre-existing disabilities & have struggled with this so far. 
    • so return of goods order etc etc read upload  scan pages to jpg, redact in mspaint. the convert to and merge to one mass PDF  read upload and use the online listed sites for all 3 stages. do you want to keep the car? i will guess this was a manual paper claimform direct from the co.court or was it org sent from salford bulk processing and has just got reaq ssigned?      
    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue –  29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM 1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached  2.  The price of the goods was £15,995.00. The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month. 3.  The following were expressed conditions of the set agreement, Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us. Clause 9.  Effect of Us Terminating Agreement 9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate 4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:- a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement  number xxxxxx. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     The total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by First class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges 5.  At the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage. Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024  What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   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? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  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. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   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 on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg  
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
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Been asked to pay back a short till?


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When i worked at G J Coles, our floats were made up and we had o count it into the till. Any money removed during the day was counted in front of us and we had to countersign the chit. At end of day till was counted again, checked against the detail roll and the float recounted. This way we knew if there was a shortage or over. Never on a shortage were we asked to repay, because three or four people could have used the till during the day. In the pub, up to six bar staff could use the till at any time, it was ony when it was quiet and you are the only member of staff operating the till was a mistake brought to your attention, but never asked to repay shortages. Overs were the problem.

 

Different horses for different courses I guess.

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They tried to do this at the large national pizza chain I have a second job with.

 

I spoke to a solicitor friend about it and she said absolutely not, no way could they do that, especially as so many people had till access and we weren't starting with a 'clean' till.

 

Unfair Terms In Contracts Act was mentioned.

 

I asked work how they intended to collect any monies 'owed'; I wasn't handing it over, so they would have to ring Payroll and put a deduction through on my, and everyone else's wages for, say £1.50, 75p etc.

 

I threatened to ring HR @ head office to discuss the matter further and no more was said.

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I can not work out for the life of me how companys are allowed to go near somebodys pay packet. The things i have found out while being on this site have amazed me.Do the laws come from the same era as sending kids up chimneys,women not having the vote and people shooting tigers for a larf.

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If you're short on your till, then the money you've rung up and the money you've taken in don't tally. This means you haven't done your job properly. Having more than one person with access to the till complicates things slightly, but the same principle applies - someone has failed to give accurate change, or has allowed a customer to defraud the business (short-change scams, and the like). It's a theoretically-correct application of liquidated damages - as opposed to e.g. docking you the day's pay for being £5 short. The 10% cap is there to ensure that people actually do still get paid.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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That's all every well in theory but it could be a faulty till or it could be that another member of staff on a "shared" till is dipping.

 

I have even seen members of staff "set up" by other employees simply to get rid of them - all sorts of things go on! You can't simply fob it off by saying the person hasn't done their job properly!

 

Here's another example - A decorator I know was recently contracted to repaint the room where the takings are counted, where the change is put through the counting machines at the local bus depot. He enjoyed a great weekend in the pub thanks to picking up over £740 in change from behind the benches that had obviously fallen down the back during the counting process and that obviously has been deducted from who know how many employees wages over the years?

I only mouth my opinion, please look elsewhere for sensible advice! :)

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That's all every well in theory but it could be a faulty till or it could be that another member of staff on a "shared" till is dipping.

 

Faulty tills aside, it is still the case that someone is not doing their job. Actual assignment of the shortage might be a problem, but the motive is otherwise sound.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I'm going back 20 years, but I used to work for the aforementioned bus company as a driver. If our takings were down, it came out of our wages. If they were over the company kept it giving the reason that if we started with a set float and took that out at the end then any "overs" were not our money.

 

The union argued for years that it wasn't theirs either and it should at least be put against the "shorts", i.e. if you were £5 short overall at the end of the week but were £4 over on some shifts, then you only have to pay back £1, but to no avail.

 

Ticket machines were regularly faulty, I once showed a total of £180 takings for the shift on a quiet night-time route which typically took about £40-£50 at most. I had £47 takings. No possible way could I have made mistakes adding up to £133 on a quiet night using a ticket machine with pre-programmed buttons (higest fare then was about 80p) but I had to pay it back. :evil:

I only mouth my opinion, please look elsewhere for sensible advice! :)

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So if someone is not doing there job they get fined,is this instead of vebal and writen warnings?I cant help feeling this is a crock of sh*t and one more reason why my blood presure aint what it used to be.

 

They're not getting fined. Look up "liquidated damages". If you think it's unfair, write to your MP, and brace yourself for job losses.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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  • 3 weeks later...

So what happens to drip trays in a bar? should the staff be fined liquidated damages for not pouring pints properly? Simply the answer is no.

 

With every operation in an organisation there is an associated risk, which always results in a loss of income to that organisation. How many times do staff get penalties for being late in the production of documents? You might not get your bonus but you would not have monies deducted from your salary!

 

I have worked for many companies who have tried to instate a "top-up" system and they never get them in or to stick. Its either a case of pay a shortfall and keep any extras, which would generally result in customers getting ripped off the odd coin here and there so staff don't have to worry or a case of the company taking the ups with the downs.

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So what happens to drip trays in a bar? should the staff be fined liquidated damages for not pouring pints properly? Simply the answer is no.

 

That would probably be because the drip tray is nothing to do with the till being down £10. That, and the mitigating circumstances in when the drip tray ends up being used, and it is already offset against the price of a pint.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Here's an interesting thought.

 

When the employer asks for anomolies in the till to be reconiled by the employee, do they show it in their annual accounts, or do they claim the loss that has occured in their accounts to HMRC at the year end?

 

 

After all, if the employer is taking a 'cash' payment from the employee(s) their is no receipt given to the employee- unless via salary deduction, and the till receipt, unless amended will not show payment.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

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Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I would imagine the till is not made up on the spot, but rather the difference is noted somewhere for deduction, in toto and before tax, from the wages when they're actually paid. This sort of record-keeping would be necessary to ensure the 10% rule is observed.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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As a cashier, if you're being held responsible for your till, go into cover your arse mode. Check your float, make it clear no one else uses your till, and insist on being present during cash up.

 

When I worked in store managerment, all we ever used to do was have an overs and unders pot on the desk in the cash office, make it right for the computer and the safe and keep an eye on the staff to see if a pattern emerges. Generally, it was just small "swings and roundabouts" errors.

 

I'm not sure if I'm supposed to give this sort of reccomendation on here, but can I reccomend anyone doing this sort of work is a union member, personally, I'm with USDAW (Union of Shop, Distributive and Allied Workers). Union of Shop, Distributive and Allied Workers: Homepage

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As a cashier, if you're being held responsible for your till, go into cover your arse mode. Check your float, make it clear no one else uses your till, and insist on being present during cash up.

 

A cashier should never be forced to make up shorts on a till someone else has used. If the business regularly rotates people during the day without giving them a fresh till with a fresh float, there should be no reconciliation with pay at all.

 

As I mentioned before, at McD small differences (single-figure pounds) were a strike, three strikes was retraining (which at my branch consisted of the store manager asking "Do you know what you're doing?", to which we were to answer "Yes, sir"). Petty differences (a few pennies) were put down to untraceable handling errors (missing a small coin during the day, the £1 bags being off by a penny, etc.).

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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That would probably be because the drip tray is nothing to do with the till being down £10. That, and the mitigating circumstances in when the drip tray ends up being used, and it is already offset against the price of a pint.

 

The point was that it is an indirect loss to sales and if that is recovered in the price of a product then how do you know the pricing of products does not take into account some statistical analysis of till shortages???

 

Also, agreed that waste in assets are not a direct loss in cash but however they are a loss to a company as stock, in turn sales and in turn cash. Maybe the analogy of a drip tray was off but the idea was there.:)

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No, I immediately understood the "Drip Tray" argument. I reckon a good 5-10% of a bar's beer stock gets lost in the drip tray... so how can they say with any certainty how far down the till is?

 

Easy these days - the sensor on the hand pump, or the counter on the press-switch. If you press the switch once, you get half a pint (250ml these days?) and this is counted as "One" in stock reports. If you pull the hand-pump to it's full extent, this is similarly counted as "One" on the stock system. Spillage isn't counted because if you count "one" for each half pint, there should be "one" half pint's worth of money in the till; regardless of the actual amount of beer left in the barrel.

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I thought I might join the debate. I used to work for a betting shop and I always felt the procedures for counting cash were very poor.

 

You counted the till yourself then put it in the safe the next day. This sounds fair but there were many times when I came in to have a till short at the start of the day, sure you could do a cash dec but what was to say you hadn't pocketed the difference?

 

In the end they changed it so the manaer hd to transfer the money into thier till at the end of the day then transfer it too the safe, this got the onus off the cashier but made overworked managers do yet another job at EOD.

 

Where I work now we each have our own seperate cash, which is much better. It can be checked at any time but only you have the key for you rsafe compartment, which can only be checked in an emergency by the maanager who ha s aduplicate. The duplicate keys would only be used where a key had been lost and so any foul play would be obvious (dup keys are sealed in a bag!)

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Oh and Stonelaughter these all singing all dancing modern pumps are perfectly capable of making mistakes. Last time I worked in a pub the instruction to new starters was the magnet will pull a bit then a bit more then do halfs, this happened every second or third pint so you had to have a glass to hand to catch the excess. In effect it was the

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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  • 1 month later...
No, I immediately understood the "Drip Tray" argument. I reckon a good 5-10% of a bar's beer stock gets lost in the drip tray... so how can they say with any certainty how far down the till is?

 

Easy these days - the sensor on the hand pump, or the counter on the press-switch. If you press the switch once, you get half a pint (250ml these days?) and this is counted as "One" in stock reports. If you pull the hand-pump to it's full extent, this is similarly counted as "One" on the stock system. Spillage isn't counted because if you count "one" for each half pint, there should be "one" half pint's worth of money in the till; regardless of the actual amount of beer left in the barrel.

 

I'll contribute to this one as I work for a large pub company on the sales optimisation team, the vast majority of pubs have dispense monitoring equipment in their pubs these days and that is accurate to at least 1000th of a pint so yes the loss due to overdispense is EASILY monitored (the equipment monitors dispense via the lines leaving the keg/cask and not at the pump itself)

 

our company also runs courses for pub owner to show them just how much product can be lost due to poor dispense (over pouring) and in the space of a year average pubs lose around 1400 pints!

 

now a pint of carling (cheapest main brand) in my local is £2.30

 

£2.30 x 1400 is an annual lost revenue of £3220.00 per annum which lets face it is a substantial amount

 

if a pub can work out figures that easily for lost revenue due to over pouring then I am sure they can manage a few tills that might be short ;) especially as most tills these days are itemised :)

claim v natwest WON!

 

all posts made by myself are without prejudice

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£2.30 x 1400 is an annual lost revenue of £3220.00 per annum which lets face it is a substantial amount

 

That £3220 is taken into account when deciding the price of a pint. You can't do that with shorts and overs, for what should be very obvious reasons (something to do with the relative value of something against itself).

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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