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    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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withholding final wage


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Hi,

 

Until recently, I had worked for a company (in Scotland) where my role was setting up appointments for myself and going out to businesses and selling my company's services. Most of this was done from home as the office was 70 miles away.

 

I only started with them in April and on the 19th July, I sent an email to one of the directors to give them my 1 week notice. As I hadn't signed a contract I naturally assumed that this would suffice.

 

I then contacted the wages person to ask what my wages would be at the end of the month and she told me that I had to contact the director.

 

He sent me an email saying that they are only paying me up to the last time i was in the office.

 

As far as I am concerned, they are just making things up as they go along.

 

What should be my next course of action?

 

Thanks in advance...

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thanks.

 

How long does it normally take for an ET to get to court? I realise this may vary but is it normally after 12 months type scenario or s it much quicker than that?

 

thanks,

Tommy

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their is no time limit to apply to an ET where wages are concerned

 

Squaddie has been most helpful, but this part is not correct. I think the confusion may arise because as most unlawful deductions claims are predicated on a breach of contract they can in cerian circumstaces also be brought in an 'ordinary' court wher normal rules on limitation would apply i.e. 6 years.

 

But let's be clear to bring a unlawful deductions claim in an ET, then "The claim must be brought within three months of the date of the last deduction. The deduction happens on the day on which the worker was paid his wages (or the date he expected to be paid if he received nothing).If there has been a series of deductions, a worker has three months from the date of the last of them. If it was not reasonably practicable to bring a claim in time, the tribunal may extend time for the claim."

 

But personally I wouldn't rely on getting an extension but claim in the ET within 3 months, having first done your LBA as Squaddie suggests.

 

Hope this helps.

 

CHe

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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i seem to have made an error

 

the time limit i was refering to was the length of service before bringing a claim

that is two years now but not applicable with unlawful deduction of wages

 

to bring a claim to a tribunal must be no more than three months less one day from the cause of action

 

sorry for the confusion, i should have expressed myself better

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Here is a precedent for the Et1:

 

Obviously it would need to be amended to suit.

 

Insert in para 8.3 or 9.1 of claim form ET1:

 

  1. 1 The Claimant is employed by the Respondent as a [shop assistant]. His gross wages are £[insert figure] a week.
  2. 2 In the Claimant's pay packet for the week ending [insert date] he discovered that the Respondent had made deductions from his wages for that week in the aggregate sum of £[insert figure]. The Claimant was informed that these deductions were to reimburse the Respondent for alleged cash shortages during that week
  3. 3 [These deductions were unauthorised, and made in contravention of the ERA 1996, section 13 as the Claimant had not previously signified in writing his agreement or consent to any such deductions being made/The aggregate sum deducted was excessive in that it amounted to three-fifths of the gross wages payable to the Claimant on the pay day in question, contrary to ERA 1996, section 18(1).]
  4. 4 It was an express term of the Claimant's contract of employment that, provided he met his sales targets for the calendar year, he would be entitled to a bonus of £500 payable in his first pay packet in the January following the end of the relevant calendar year.
  5. 5 The Respondent failed to pay the Claimant the bonus of £500 in his January [insert year] pay packet .
  6. 6 On or about [insert date] the Claimant became aware that the Respondent had been deducting the sum of £[insert figure] from his net wages each week. These deductions, to which the Claimant had not consented, had been made from the Claimant's wages each week since [insert date].


    1. The Claimant's claim is for:
    2. (a) a declaration that the said deductions were unauthorised;
    3. (b) an order for [payment of the amount of the deductions set out at paragraph 2, namely, the sum of £[insert figure]/repayment of £[insert figure], being the amount by which the deductions exceeded the limit imposed by s 18(1) of the said Act];
    4. © an order for payment of the deductions set out at paragraphs 4 and 6, being the sum of £[insert figure];
    5. (d) an order for payment for consequential financial loss sustained, namely the sum of £[insert figure], being [bank [and interest] charges]/[give details of any consequential financial loss] resulting from the unauthorised deduction.
    6.  

      Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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i should have expressed myself better

 

:wink:

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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Your replies are much appreciated, thanks.

 

I will get onto this tomorrow as it works out at just under £3k which is money that I was counting on.

 

Would you suggest recorded delivery or just an email?

 

Once again, cheers.

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I have now sent the letter and was advised by ACAS that I could just do it via email and to give them 14 days. I received an email back asking me to give them documentary evidence that I was indeed working during the month of July.

 

As i mentioned before, I worked from home and basically just used their mobile to contact potential clients or went out handing out business cards.

 

I believe this is just a tactic to say that they have tried to respond to my letter rather than actually try to resolve the matter.

 

should I respond to this or just wait until the 14 days are up?

 

cheers

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Just send them a reminder that due to the nature of the job it is impossible to provide documentary evidence, however you are prepared to give them a list of as many premises as you can remember that you visited, and that they are free to check the mobile phone records to determine that you were engaged in making business related phone calls during the period in question.

 

Remind them that this was the nature of the job as determined by your contract and that the clock is ticking.

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