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    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes 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?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app 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.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 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?  No
    • It’s all with current lenders and no missed payment to date. so with any reduced payment to them it’s likely to be going to debt collectors at some stage. we jointly own a property together me and my partner 
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need help----been accused, insulted by manager to accept her crime


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Hi, i work as a checkout operator in [edited to preserve anonimity] supermarket. My story is about not getting break, forcing to finish early, and been accused for something that i was not responsible. I got total 2 shifts for 8 and half hours this week-- one is 4 and half and other one is 4 hours.

 

Yesterday 03/08/12 i went to do my normal shift according to my roster which was 4 and half hours (10am to 2:30pm). When you work more than 4 hours in checkout you get a 15 minutes break.

 

We have a right to ask our break if we see we r not getting it. But it mainly depends on service manager as it is only her duty to deal with this and manage the day roster too.

 

So i started at 10am and was waiting for getting my break. But till 2pm there was not any break. At that time i was thinking may be my shift was 4 hours today and tomorrow's shift would be 4 and half. At 2pm she came to my checkout and sign me off placing the close sign in my checkout saying she needs to talk with me.

 

At fast i thought i was going to get the break. But she talked about some other things. i have become confused when she told me to start work again. i said to her i am finishing now as I my shift was for 4 hours. she said no, you are finishing at 2:30pm.

 

i asked her straight away-than why am not getting my break yet? She went back to service desk to check it and came back saying yes that i am finishing at 2pm. but that time i have become totally confused and having doubt on her behavior.

 

it was so clear on her face that she was hiding something. So i closed off my register and walked toward the service desk to see the day roster. i could not able to see that because she managed to be there before me and flipped the day roster page quickly and informed me my next day shift.

 

i came back later when she was not around and what i found was shocking. She rewrote my shift making finishing time 2:30pm to 2pm only because she tried to hide it that she forgot to give me the break. How could a manager do this type of offence?

 

But I managed myself to be calm and when she came back I asked her politely that am I getting that half hours pay as I was rostered for it. She started to accuse me it was my fault, I asked her to finish 2pm and I am always confused about my shift.

 

I informed my store manager straight away. He was so sympathetic about this but told me not try to contract anyone else or call head office or call to the Union as he would do whatever possible.

 

He gave me patronage every way that he would deal with it. I went back today 04/08/12 and came to know he went for holydays from today and will return two weeks later.

 

I am feeling divested that his all patronages were a false act. Only because my background is not English he dared to do this and the service manager as well. i have talked with the union today. they will contract me coming Monday.

Edited by citizenB
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Hello and welcome to CAG.

 

I'll move your thread to the employment forum and hope the guys will be able to help you.

 

If you're able to put a few more paragraphs into your post, it would help the guys trying to advise you if it's easier to read.

 

My best, HB

Illegitimi non carborundum

 

 

 

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you really should be careful about using accusation language. There is no "crime" here. A crime would be theft. If you worked for no pay, that would be a crime.

 

Here, there's just been a misunderstanding about breaks. You could have cleared it up yourself by asking for a break earlier. But you said you thought you were finishing at 2pm. Maybe the store wasn't busy and they could let you go?

 

What result are you looking for?

 

Honestly, I think you are making too much fuss. There is blame on both sides for the confusion. I will tell you that if you worked for me and went to the union over a 30 minute mix up, I'd be making your life difficult in the future - tread carefully!

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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I take it that your contract allows you a break? There is no legal right to one but your contract may override this.

 

Not entirely sure what you want out o this? Another 30mins pay?

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Hello again.

 

I've just googled xxx supermarkets because I hadn't heard of them and they seem to be in Australia, am I right?

 

This is a UK website, so it's unlikely we'll know about Australian law.

 

HB

Edited by honeybee13
Removing name - sorry Sidewinder.

Illegitimi non carborundum

 

 

 

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HB - Are you keeping me busy? I already edited out that name once!

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S'OK :-)

 

It does look Aussie though...

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sorry to say but you are missing the actual point there. it was not about getting half hour less payment. it was about been harassed and insulted only because i was claiming my right as she refused to give me saying i wanted to finish 2pm. she harassed me every way she could to hide her offence. she tried everything to make me accept her offence only because she wanted to win it. 1st she forced me to finish 2pm and 2nd she denied what she did.

 

and today my service in charge informed me that she will make a harassment charge on me and she is with my manager..............when and how did i harasse her?????????????????? how could she think of it when she harassed me in every way. i was the victim.

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It's still not a crime. There is no criminal offence.

 

If I am missing tthe point it is because you have not explained the point very well. Please answer my question - what result do you want?

 

From the sounds of it you've really wound her up. I think you need to take a more mature attitude, and I suggest you let it drop in the interests of, I don't know, keeping your job? You need to look at the longer term impact of your actions.

 

Personal opinion - 18 question marks on one word suggests you get wound up too easily/

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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Also - back to Honeybee's point. You are in Australia and this is a British website, so all we can offer is an opinion because any legal points are outside of our scope of knowledge.

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Thank you so much the advice that i am getting from this forum.

 

I agree that i have wound up this time. the step that i have taken, the other staff with the same background like me dare to take. Having non English background, harassment is so normal thing in workplace. Its not the fast time.

 

She has done sever damage on my mental strength and image of my years hard work. I am working in this store for 4 years. I always rank between 1 to 3 when it comes to give great service. I am the only person who got three times 100% pass from Mistery shoppers test.

 

My name was published in the supermarket's half yearly newsletter for giving extra ordinary service. i have done a lot for this store. i loved every single day to work there.

 

My manager wants to make apology for her act. She has excepted that she did wrong. But I have not accepted yet. Apology will not be enough but according to the Grievance policy i only go this far; i assume. i don't know know what will be the future outcome but the damage that has done not only by my service manager but also by the store manager and service in charge will not be recovered ever.

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There's no point giving further advice because you are not listening, Good luck.

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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