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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Job offer but offering to set up companies(??)


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I went for a job interview, which was supposed to be paid work for admin. However now the person has said instead he will set up companies in my name (I am currently self employed and looking to expand to have my own business) and in return I can use his office space for free, and he will advertise and take on staff for my company. Only I don't need an office and don't really need staff, I just want to do this on my own.

 

I told him this and I said the reason I want the job with him is because I just need some money to pay the bills, and I'm doing my own business in my own time. He said to try and think of a business plan of what money I would need in order to convince me.

 

 

I am so confused - what does he get out of this? Well I guess me working for nothing doing his admin too, but is it dodgy? I said no and I want to be employed, but now I'm even worried about getting paid by him at all. What he said made sense, about advertising and getting more clients but I'm just a small sole trader, so it doesn't appeal to me.

 

 

I'm going to say no and just do the work for him but he was saying when there's downtime to start working on this business plan etc, I'm not that good at saying no, I don't want to be talked into it, especially if he's dodgy.

 

 

He was saying about having mutliple companies as he is someone that registers businesses for people.

 

 

Please can someone tell me if this is something dodgy and should I just not do any work for this person? It's really made me concerned and he has my personal details, copy of my ID etc, for the employment, I'm worried is it some sort of [problem]?

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This will probably do better in the Employment forum - it's not really a benefits issue. Moving now.

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Sounds like he is trying to sell you company registration and there will be a fee for that.

 

Just say no and wait for a proper job.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Set up companies in your name, what so you can take any hit on whatever [problem] he has in mind????

 

Have you checked HIM out eg at Companies House http://wck2.companieshouse.gov.uk/a19433d36800c68138da0ce52d35fd90/wcframe?name=accessCompanyInfo

 

 

You may need to pay a fee to CH to get the info.

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Hi

 

Have to agree this is worrying why does he need to setup these companies in your name i.e. you are the named Director of that company on paper with all the legal rights and responsibilities that go with it.

 

To give you and example look up the Ministry of Justice - Corporate Homicide and Manslaughter Act.

 

I would do a lot of research on this individual and these supposed companies before agreeing to anything something just doesnt add up.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Thank you, I hadn't even thought about that. Do you think it's still OK to be employed by this person? I don't want to be involved in something dodgy (although we don't know it's dodgy), and I have decided to definitely say "no" to setting up these companies.

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I wouldn't go near him, his company or his work. At best your wages, tax and national insurance will not be paid at some point, at worst he'll end up coercing or tricking you into doing what he wanted all along.

RMW

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