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    • 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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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 ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
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Mario12

Help!!! Employer changing working hours

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Hi all, hope someone can help me out:?:

 

I have been working for my employer for over 2 years working a 12 noon - 8pm shift. I am the carer of my parents who are old and unwell (Father has had 2 heart attacks in the last 6 months and my mother has parkinson's disease)

 

I have been forced to work 9am - 5pm as part of the business needs with only one day notice from monday gone. I have told my manager there is nobody else to look after my parents in the mornings as I am the only child still living at home. My sister in law who is currently working part time (after recovering from cancer and being off work for over a year) is able to come over and look after them in the afternoon and evenings.

 

I have spoken to my manager and his manager and both have been very unhelpful. A colleague of mine who is the carer of her disabled mother had the same problem but after discussing with my manager she has stayed on the 12-8 shift. I have spoken to HR about the matter and seems like they are siding with the business and not understanding the family situation at home. They are still looking into the matter and will hopefully let me know the decision tomorrow.

 

In my contract it states I am contracted to work any 8 hour shift between 8am & 8pm.

 

I really need to get my old shift back as I am worried sick something may happen to my parents while they are home alone. A family friend has kindly offered to pop over for an hour in the morning this week to make sure my parents are ok but she has her own children to look after and I don't feel right asking for the help as they my parents and not someone else's responsibility. I am just really worried leaving them on their own as they rely on me so much

 

What has annoyed me the most is the fact my colleague spoke to our manager to look after her disabled mother in the mornings and without any problems was able to carry on with that shift.:mad2:

 

Can someone please help me in the right direction?

 

Thanks in advance

Edited by Mario12

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Hello Mario12, welcome to the CAG.

 

Enjoy your visit, but take some time to look around the forum and understand where everything is.

 

 

It can seem confusing at first but you will start to find your way round and to understand what a helpful community we are.

 

You haven't received any replies to your post yet. Try posting your query again in a relevant sub-foum. You will get the help and support you need there.


Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Hello and welcome to CAG.

 

I'll move your thread to the employment forum and leave you a short term redirect. The guys there shold be able to help you.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Have you made a formal flexible working request under the relevant legislation outlining how the work can be covered? That is step one. It may be your colleague has beaten you to it as these are first come first served.


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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Hi Mario. You have the right to make a flexible working request like Emmzzi says, this is a statutory right that your employer needs to deal with through a formal process. The right to apply, however, does not include the right to have it granted. You can only make one application every 12 months. Can you also check your contract to see if it states your specific working times in there?

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Post 1 says any 8 hour shift between 8am and 8pm, no specific hours other than that.


If I have been of any help, please click on my star and let me know, thank you.

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Perhaps the following draft letter will be useful. Though if HR are already considering the request I doubt they will revisit the decision.

 

 

Dear HR-person,

 

I would like to apply to work a flexible working pattern under my statutory right to request flexible working.

 

I confirm that I am eligible to make a flexible working request because I have worked continuously as an employee of [NAME OF EMPLOYER] for the last 26 weeks. I have worked in [NAME OF DEPARTMENT] as [JOB TITLE] since [DATE]. I have not exercised my statutory right to request flexible working during the past 12 months. I have responsibility for caring for an adult who father who lives at the same address as me [describe medical condition].

 

[Details of former hours and current hours]. I would like to request some flexibility to accomodate my caring responsibilities [provide details of caring responsibility]. Therefore I propose the following [details of proposed pattern of work].

 

I look forward to meeting with you to discuss this request.

 

Yours faithfully,

 

................................................................

[name]


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really important the proposal includes how the work will be covered - it is your job to work this out, not your employers


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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Hey guys

 

Thank you so much for the advice, I really appreciate it.

 

The verbal answer was a no from HR. I am in the process of requesting flexible working hours. I dont think the answer will change bur at least im doing it by the book. The only issue i have is i may struggle to find someone to replace me in the department I work in.

 

Im sure there are loads of people wanting to work the earlier shift but how do i put it accross to my employer to ask staff rather than me ask employees?

 

Thanks in advance

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Hi guys,

 

Recently found my contract and had a read through it. I have straight away spotted a problem. In the contract on the 1st page it states that if it is a temp move of working hours then i must be given at least 48 hours notice before the new working patterm.

 

I was given less than 24 hours notice.

 

If i put in a grievance for the breach of contract this will most likely effect my request for flexible working hours. Just seems like the company is doing what they want and when questioned, say its in your contract.

 

Advice would be much appreciated

 

Thanks

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24/48is trivial. Just put in the flexible request.


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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Try the flexible request first before you start looking at the contract and getting all official/legal on them. At the end of the day you would like your request granted dont upset the employer first. although we all have rights we dont have to do the bull in a china shop every time to get what we want.


If I have been of any help, please click on my star and let me know, thank you.

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