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    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
    • Thank you so much again Andy. I will be donating as soon as able. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
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      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Please can someone recommend a solicitor for claim against employer (High St Bank) for injuries?

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The background to the problem: due to age discrimination, bullying, lack of meeting safety requirements and more caused and aggravated injuries to my mother, an employee at a large High Street Bank. Consequently, she needed surgery last year from which she is yet to fully recover. Because of the period of Sickness Absence taken she has had to apply for disability retirement because of this Work Related Upper Limb Disorder.


She suffered injuries to her tendons in both hands and her back from working as a bank teller in a high street branch. She was an employee with the bank for over 12 years. There is so much more but I will spare you the details right now.


I was looking for help in finding a solicitor to help us make a claim against her employer.


The difficulty I have had is finding a decent and knowledgeable firm that can seriously tackle both the employment law and injury law aspects.


The market seems to be saturated with "no win, no fee" accident injury claim solicitors, though I'm worried that most are not good enough to tackle a complicated case such as this.


Please if someone could spare some time to help us in this matter.


Thanks for reading.

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Hello and welcome to CAG.


I'm afraid we are not able to recommend solicitors, it's against site rules. I hope though that the guys might have an opinion on whether you should make both claims with the same lawyer or not.


Does your mother have legal cover with her household insurance for example? They might be prepared to give some advice. And if you don't want a NWNF lawyer, you could have a look on the Law Society website. There's a search facility where you can find the firms with specialities in the areas of law you want in the right part of the UK.


My best, HB

Illegitimi non carborundum




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Thanks for quick reply. Much appreciated.


Sorry I didn't mean to jeopardise any of the forum rules.


If anyone has experience of similar cases, feel free to PM me.


I don't think that my Mum has legal cover included in our household policy. Though it is worth checking.


What I didn't mention is that nearly 6 years ago she claimed compensation from the employer's Insurance company to cover the cost of treatment, (three sessions of steroidal injections into muscles). In that claim we had to prove to the Insurer that the injury for which she required treatment was of a direct consequence of working. The insurer agreed and did pay out that time.


From that time things got worse. Her manager knew of the risk to her health though never put in place safeguards to prevent further injuries, ergonomic VDU (visual display unit) and so on. Later she was moved to a branch far away from her home because the new manager wanted to get all the "oldies" out as he put it. Area managers did nothing to resolve that. Occupational health also stated that she shouldn't have been moved, especially when the increased distance drive aggravated the injury. Because of the injuries she received she had to cut down her hours. Later she needed surgery to which she is still to recover and medical reports state that it is unlikely she will ever be able to return to employment because of this.

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Hello again.


I'm sure the guys will help as much as they can.


If anyone has experience of similar cases, feel free to PM me.


But, and you're going to hate me, advice by PM is also against the spirit of site rules. There is rarely need for advice this way, cases can be posted on open forum where they can help everyone.


May I suggest you have a read of the rules you've signed up to please? Here's a link.





Illegitimi non carborundum




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You will definitely need a specialist to bring a PI claim.


Shop around. get a solicitor on a no win no fee basis but don't go for a claims management company. You need a solicitor who is really a specialist in this field.


Beware, the bank will spend everything to beat you - and I don't mean to win against you, I mean - to beat you down.


The banks are complete sh1ts to their customers and they aren't any better to their employees.


Make sure that you take photos, note everything, get as many doctor's reports as you can. Keep a careful detailed record.

Isn't there a union?

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I'm really sorry. I read your signature just after I clicked post quick reply and was biting my lip!! Arghh! Sorry I've been conditioned to other forums.


A quick question though.. would you think our case requires a firm specialising in Injuries, Compensation or Employment cases? Or is there a certain type of firm to look for that will cover all three of those aspects.

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Thanks Bankfodder.


Yes you are certainly right about the Bank. We have been prepared for this for a while. Much of the past 6 months have been trying to help my Mum get her confidence back. I helped throughout the sickness Absence process, and saw at first hand how unethical they are. Thankfully much of the HR staff and the branch management are, to put it coarsely, rather dumb. So through persistence and attention to detail had them slipping up many occasions. It culminated in the branch bank manager actually forging a letter that he mistakenly thought we were requesting, when in actual fact that letter was never contested and was already included in the evidence to her final stage meeting. To think, a bank manager so reckless and inept. We highlighted this to the regional manager and the implications on the branch managers expected code of conduct, though they never acted on it.


Thanks for highlighting the difference in specialist solicitors and claims management companies.


I remember reading a similar case against Natwest in which the ex-employee was awarded her claim. I was thinking of trying to find which solicitors/law firm handled that case. Any ideas as to how I could go about that?

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