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    • 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 If possible please scan redact and upload a full page copy of page 1 of the claim form. ( Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 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 756050. 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)     Thw 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 Firrst 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.  A 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.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Work for council and given no benefits for first 4 years


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Hi.

 

I have been working for a local council for almost 7 years, and only recently (April 2010) received my first contract - which only arised through 'my' investigations. Up until this point, I was told by particular managers that I was not entitled to any form of benefit e.g. holidays, sickness and bereavement, even though I worked in excess of 50-60 hours pw. Since this realisation by the powers that be, I received a 'payment' (with no calculations) for the holidays accrued during the 2009-2010 period and have subsequently received (up until the last month at least, as further problems have arisen) holiday and sickness entitlement.

 

One of my questions is: Have I got a claim for the other 4 years which i received nothing?

 

I understand that there is a 3 month window in which to instigate a Tribunal, but I have since read that there may be a chance of bringing my case to the County Court. Because of this, my obvious addition questions are: Would this course of action incur substantial costs, and, would there be any chance of success??

 

With this in mind, I have payslips which prove this and the council would have records also.

 

Thanks in advance.

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when you raised this with the council

 

what did they have to say

 

have you put in a grievance

 

you will be able to claim back all your entitlements as there was a case a few years ago whre women council workers were being paid less then there male collegues

 

the councils paid up

 

but you must put in a formal grievance/complaint first

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Hello there and welcome to the forum.

 

I agree that this doesn't sound right. I would be asking for details of their calculations and how they arrived at the figure. What about pension entitlement, should you have been in a scheme all this time?

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi.

 

 

 

I have been working for a local council for almost 7 years, and only recently (April 2010) received my first contract - which only arised through 'my' investigations. Up until this point, I was told by particular managers that I was not entitled to any form of benefit e.g. holidays, sickness and bereavement, even though I worked in excess of 50-60 hours pw. Since this realisation by the powers that be, I received a 'payment' (with no calculations) for the holidays accrued during the 2009-2010 period and have subsequently received (up until the last month at least, as further problems have arisen) holiday and sickness entitlement.

 

 

 

One of my questions is: Have I got a claim for the other 4 years which i received nothing?

 

 

 

I understand that there is a 3 month window in which to instigate a Tribunal, but I have since read that there may be a chance of bringing my case to the County Court. Because of this, my obvious addition questions are: Would this course of action incur substantial costs, and, would there be any chance of success??

 

 

 

With this in mind, I have payslips which prove this and the council would have records also.

 

 

 

Thanks in advance.

 

 

 

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At your council you need to identify who has corporate responsibility for equalities, a staff group representative, the union & HR. There is No Way any council as an employer can get away with giving u less than you are entitled to. They are a public service organisation and have extra 'duties' placed upon them to act as exemplar employers.

Edited by cerberusalert
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Thanks for the replies.

Sorry if I have repeated this reply. I did try and post it earlier but I think I deleted it, so had to type it again.

 

Hi postggi

- When I initially raised this with my line-manager he was shocked and got onto it straight away. This involved him asking the Business Support Manager – the man who had given out the false information years previous – why this had happened. This resulted in denials and attempts to ‘pass the buck’, but ended up getting the attention of some very senior managers. Although the senior managers had meetings and agreed that we should have been given contracts; they instructed the BSM to sort them out. This resulted in another 12 months of waiting, due to lost paper work, wrong information etc , until I finally received a contract which gave me ‘12’ hours. Although I questioned this, as the 12 hours did not correlate with the 30 hours which I was doing at that time, I was told that it would be best for me to just take it, as it gave me ’some’ rights whilst the government cuts were being examined.

 

- With regards to their response about paying the holidays which I felt were owed, I was told me that this was not possible.

 

- I have already put in a formal grievance, which highlights (among other things) my not being given the proper benefits and entitlements. As part of this process, I had to see a solicitor who was attached to my Union. When I asked him about whether I would able to claim back the holidays, he told me that I would not be able to because of the 3 month rule. Also that he felt I had been ‘shafted’ with my hours.

 

- Do you think I would need to raise a specific grievance about the holidays? As I only used the holiday issue as part of the bigger picture of my complaint.

 

Hi honeybee13

- I have continually asked for calculations when issues such as: late payments, withheld wages and apparent overpayments have been raised, but have yet to receive any. As this process involves the participation of the men who are generally obstructive and uncooperative (BSM and the Manager of the service), I do not hold out that I will receive any anytime soon. With this in mind, I am still to receive a breakdown of apparent overpayments which I requested from the manager of the service some time ago.

- I am unsure about the pension entitlement, but would say that once we had received the information that we were entitled to holidays etc, I was given the opportunity to join the pension scheme.

 

Hi Pootling

- I have got the Union involved already and as far as I am aware the Head of HR is aware of the situation. As for the other people, I am not sure but think it wouldn’t be too hard to find it out.

 

Another aspect which I am unsure about is that if this situation was not sorted out amicably, and if the County Court option was viable, would I bring a case about the Council or the men who are directly responsible? As to their credit, the senior managers did try to sort it out (not the holidays) quite promptly, but it was the other managers incompetence and dare I say it, vindictiveness, that has resulted in continued struggles whilst doing my job.

 

This issue is just one in a long line of problems which I have had and am having whilst in this employment, so any advice would be gratefully received.

 

Thanks for your help! .J.

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I am at a loss over the stance on the holiday entitlement and three month rule

 

that rule is for an et1 claim but holiday entitlement is covered under statute legislation for a minimum of 28 days a year

 

i would be considering a county court claim but let the union do its buisness first before considering that option

 

the contract is a joke

 

after two months you will have an implied contract of employment and custom and practice would then kick in

 

did you sign the 12 hour contract or did the union put it into dispute

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I didn't sign anything as I didn't agree with it. I was just left to do my 30 hours per week until he - the service manager- decided to cut them back to 12 to save money a couple of months ago. I asked the solicitor whether I could do anything about the contract, to which he said no.

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Hello again and thank you for the answers. What a nightmare for you and also your colleagues by the sound of it.

 

I am unsure about the pension entitlement, but would say that once we had received the information that we were entitled to holidays etc, I was given the opportunity to join the pension scheme.

 

I double-checked this with my OH, pensions bore, and he agreed with me that your pension scheme membership should be able to be backdated to when you became eligible. With some employers there can be a waiting peried of 3 or 6 months, sometimes a year, but I don't think I've come across 4! However, it would mean that you have to pay backdated employee contributions to cover the length of time you wanted your scheme membership to be backdated by.

 

I hope that makes sense, ask me more if you need to.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi honeybee. Yes, that makes a lot of sense. I had heard something like that a while ago, but the person who was doing the explaining didn't make much sense. You explained it a lot better.

Thanks for your help.

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Hi honeybee. Yes, that makes a lot of sense. I had heard something like that a while ago, but the person who was doing the explaining didn't make much sense. You explained it a lot better.

Thanks for your help.

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i didn't sign anything as i didn't agree with it. I was just left to do my 30 hours per week until he - the service manager- decided to cut them back to 12 to save money a couple of months ago. I asked the solicitor whether i could do anything about the contract, to which he said no.

 

i would get the union solicitors involved in that quote

 

a contract is Just that, a contract

 

it cant be altered without the agreement of both parties

 

after 7 years service, custom and practice kicks in so your contract is 30 hours, end of

 

as stated

 

let your union deal with this

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