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    • Well before you can determine if its Statute Barred you need to find out what it is......do they refer to an account number ? If so send them a CCA request section 78...see if that throws any light on the alleged debt.   Andy
    • Hello All - I've received a letter today from Cabot Financial advising that they are passing on a debt to Global Debt Recovery Ltd as they haven't been able to contact me. I haven't received any letters from Cabot for a couple of years and those letters didn't quote any amount like £7000. I haven't ever contacted Cabot either. My address hasn't changed for over 10 years.   The letter states that the outstanding balance is around £7000 and the Original lender according to this letter is SAV Credit. I don't recognise this debt amount as I've never had a credit card with that sort of credit amount (4000 was my max limit) and I don't recognise 'SAV Credit'. I've checked my credit file and nothing new has been added. I have one CCJ granted in 2015 for £3500 which I assume expires at the end of this year.   On the other side of the same letter Global Debt Recovery are asking me to contact them to arrange a repayment on this debt. My financial problems are from around 2012/2013 and I'm sure I was unable to make any repayments to my debts from around that time so I'm assuming that this would make this debt 'statute barred' anyway. I was made redundant a few years ago and I'm on Universal Credit at the moment and have no way of paying this kind of money. I'm not too keen on just ignoring this type of letter as that has caused me problems in the past.   Would appreciate any advice Thank you           
    • mrabody   No loss, just general damages as per Durkin.   The bank has already paid out £750 for the distress and inconvenience they've caused in taking too long to mark the account as settled and passing the debt onto a DCA. However, they would not accept damage to the credit status from 2014 even after admitting that the account should have had a default status and that the same would have fallen off in 2014.   Ill post their letters when I receive the contents of my DSAR.             
    • forget the texts and emails...irrelevant, dont lambast him too hard about doing the right thing by ignoring them.   as to where you go. yours is not the next move. other than gather/await then digest all the info.   dx  
    • It follows criticism that firms take a large proportion of compensation for mis-sold financial products. View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hello everyone

 

I have been working with a company for several years now and have decided to apply for my Redundency package

I 'm currently off work due to sickness and still waiting to here about my figures

 

I have been offered a job in the next 2 weeks so time is running out

I really dont no what to do i dont want to miss out on my redundency package

 

can anyone help ?

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depends how much the redundancy is worth, you could ask if they have made a decision on it yet and see how lone it might be.

 

Thanks for that

what if my employers say in the next week im entitiled' what should i do ?start my new job and wait for the cheque to land

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Is there actually a redundancy situation? If not, your best bet is just to resign with appropriate notice - there's no obligation for your employer to offer you a package.

 

It wouldn't hurt to chase them, though, if you need a quick resolution.

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You either wait for redundancy and risk losing out on the new job, or you resign without redundancy and take the new job.

 

You have to pick one or the other. It's highly unlikely they will have your package through etc in 2 weeks if they have not made an offer yet.

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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Balance up the rewards.

 

Redundancy now will give you a lump sum of possibly 3 months pay.

 

A new job will give you perhaps a minimum of 24 months pay spread over 24 months. If you get my drift. However long you last in the new job, it is probably better than 3 months pay from your old one.

 

I say move on. Forget the redundancy - unless you are being offered retirement money.

 

Chase them up by all means, but don't get stuck on it.

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I have actually told them i wanted my figures as there was positions available for redundency i guess i will have to chase them up

 

if say a few days before i start my new job i here that they will except what should i do just start my new job regardless

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Do you mean "if my current employer accepts my offer to go on VR"?

 

No, you need to finish up one place entirely first. You resign, or you wait to start a new job until your end date has passed.

 

The answer will be the same even if you ask it differently again ;)

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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Are you off sick with stress or some work-related issue? If so, you might be able to get a quick redundancy.

 

Otherwise, I don't think there'll be time for the redundancy process to run its course, so you might need to turn down the job if you're going to wait (or speak to the new employer and explain the situation if you'd feel comfortable doing this).

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Are you off sick with stress or some work-related issue? If so, you might be able to get a quick redundancy.

 

Otherwise, I don't think there'll be time for the redundancy process to run its course, so you might need to turn down the job if you're going to wait (or speak to the new employer and explain the situation if you'd feel comfortable doing this).

I'm not off work with stress but lets say i'm not able to do my job any longer

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Unless they know that you're off work due to a work-related problem, I don't think they'll be able to turn around the redundancy in two weeks.

 

Do you think the new employer would let you wait a bit longer?

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Unless they know that you're off work due to a work-related problem, I don't think they'll be able to turn around the redundancy in two weeks.

 

Do you think the new employer would let you wait a bit longer?

my company does no that i'm off work and occupational health also no

i really dont want to tell my new employer that i need more time

i also no that it would be wrong to be on the sick at 1 company and start a new job at the same time

i'm really in a mess

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I don't think you are in a mess, I think you are looking for a way to have your cake and eat it. What would you be doing if VR was not on the table? Surely you would just take the new job?

 

Take the new job!! This stress is not worth it for a couple of grand.

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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Yes, I think the only way you'll be able to get redundancy in time would be if you approach your employer and ask for some sort of settlement/redundancy rather than wait for the selection process. You could try this, but just be careful that you don't do anything to jeopardise the new job.

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