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    • I don't know how it works where you are but generally watersure tariff is capped at about £37 a month regardless of how much water you use, having a look at your area on the net it is about £438 a year,.do they ask you by letter  yearly or every 2 years to send them info to confirm you still meet the criteria to get watersure tariff, if you don't send it to them  they will put you on standard tariff. 
    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
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umbrella companys

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Im a plasterer currently working for a agency and they have told me that I have to be paid by there umbrella company, at a rate of £20 a week, I told them I have my own public liability insurance etc so dont need to pay this much, is there a way round this without going ltd etc any help would be great

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The umbrella company is for tax reasons nothing to do with insurance, etc.


Generally if you are self employed (or working for an agency that doesnt do PAYE and NI), then you have two choices get paid through a LTD company (that you have set up or another you can use, I use my brothers), or an umbrella company, the umbrella company takes care of the tax issues, you will pay a lower rate than standard paye and can offset expenses such as travel, food, etc


You also need to contact HMRC and tell them about your circumstances and you will have to pay them NI, normaly only a few quid per week.


What the Umbrella company ?. I had an agency job that used Orange Genie and it all went quite smoothly.



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From my own experience, I would avoid using an umbrella company, and instead take any help and advice with going limited. I'm a class 1 (artic) driver, and have worked for an agency in the past who only paid via umbrella. While it might seem an attractive way of getting paid, would you be happy to pay 5% of your gross to the umbrella as a fee? My main gripe with them was I only worked 1 or 2 weeks for that particular agency, and although I was paid on time etc, some 4 months later, having not done any more work for them, I had a letter from HMRC telling me my tax code had been changed by the umbrella, and that they had told HMRC that they were my main employer, which was completely untrue.

I did speak to the umbrella at a later date regarding going limited, which they would have been all too happy to arrange, setting up company etc (all things you can do yourself) for a fee, charging me 5% of my gross again, and a further % to be arranged to be put toward an accountant (of their choice, not mine), again something you can easily arrange yourself.

One thing to ask yourself, if still working for an agency, will you be better off? With driving agencies, they tend to pay an average of £1 hour more on standard pay, and a slightly larger increase on overtime, to make it look more attractive. Will you be working solely for the agency? Or finding your own work at a later date?

I'm considering going limited myself, with a view to using the agency for work in the early days (I only passed my test 6 months ago, but have over 15yrs commercial driving experience) then slowly finding my own work. It would also serve as a good base for my ambition to become an owner driver. In the meantime though, having done my sums, it looks as though I will be better off going limited, this week alone, if I had been limited, my earnings would have been up by a couple hundred £.

All in all, if I were you, I'd take some time to mull over the pro's and con's of going limited, and avoid the umbrella like the plague.

As an aside, I don't know what agencies are like in your trade, but with driving, there seems to be a lot of agencies out there, many of whom don't have the work they claim to have. And they especially hate losing drivers to rival agencies. If you go limited, and as long as you know you're good at what you do, when they offer you your 'rates', there's no reason why you can't haggle over the rate, after all, they'll still be charging the client the same, albeit with lower outgoings for yourself, hence more profit for them. Why shouldn't they share some of that with you? They're probably not the only agency in town, and sometimes it doesn't hurt to remind them!

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