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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

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Last week there was a hoo-ha at work and management are saying that gifts from staff to staff should be:

 

For birthdays only

Up to £10 only.

 

And for xmas only gifts for £10 purchased via a secret santa should be allowed.

 

Now, at what point can the county council tell me what I can spend my money on and the amount I can spend?

 

I'm told it's covered in the behaviours policy.

 

After taking union advise they recommended not giving or receiving at all.

 

At what point is a member of staff a friend? I was told if I give a present outside of the work premises this still counts.

 

Any suggestions / points if view (in law)?

 

Thank you.

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Have you actually read the behaviours policy? What does it say?

 

I can see why this rule is in place. I'd freak if a creepy guy at work gave me an inappropriately expensive gift and would worry about what they wanted in return. (Same with saucy gifts, and anyone who gives gifts to me and not other people. Stalkery!!)

 

I would think this is to protect everyone from harassment, and allegations of bribery/ coercion/ corruption.

 

Please tell me you haven't made a mix tape for someone you think is pretty...!

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p.s. what reasons did the union give and are you going to listen to them?

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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The union answer was "if you neither give nor receive nothing can be misconstrued".

 

Isn't it a sad world when you cannot give anything with the best of intentions. One of the people I work with brought some fruit in last week as they have an orchard. The manager had to seek permission to accept some free fruit. What's that all about?

 

But, as I said originally, at what point can the council tell me how to spend my money.

 

What's next, telling staff how much alcohol and cigarettes they should buy with their wages? Which shops they should spend it at? Where does this type of control stop?

 

If a member of staff did not want a gift for their birthday I would know that as I only buy for 3 or 4 of the people I work with.

 

I'm so fed up with PC lunacy.

 

As an aside a member of staff, who I repped, was suspended for joking about getting so drunk he didn't know where he was. This took nearly 3 weeks to sort out!

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I have started replacing "PC" in my head with "common courtesy and consideration." It's amazing how similar they are...

 

If you are friends with someone outside work and want to give them a gift where you usually see them outside work, do it

 

Otherwise it's a little bit odd.

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If a member of staff did not want a gift for their birthday I would know that as I only buy for 3 or 4 of the people I work with.

 

 

By the way, many harrassers say things like, "if they didn't like it they would have told me."

 

That is usually untrue, as the harassee feels too intimidated to talk.

 

Don't assume you can mind read. You can't.

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 have started replacing "PC" in my head with "common courtesy and consideration." It's amazing how similar they are...

 

If you are friends with someone outside work and want to give them a gift where you usually see them outside work, do it

 

Otherwise it's a little bit odd.

 

I work in the care environment and staff are a lot more caring than office based types.

 

We have monthly social events and work well as a team.

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I work in the care environment and staff are a lot more caring than office based types.

 

We have monthly social events and work well as a team.

 

And no one in an office does that, right?

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So what does that behaviours policy say ??

 

The policy refers to accepting hospitality and service users.

 

I cannot find anything referring to staff.

 

I'm going to ask for a copy of what is being referred to.

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I can see why they have the policy - though you should actually read the policy, not just rely on second hand information which very often turns out to be wrong. When you buy someone a gift, that person is under pressure to reciprocate. That is fine if you are both loaded but a problem if the person receiving the gift is broke. The same argument is used about Xmas presents here: http://blog.moneysavingexpert.com/2009/11/10/is-it-time-to-ban-christmas-presents/

 

I can't see any reason why the policy would be illegal.

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I can see why they have the policy - though you should actually read the policy, not just rely on second hand information which very often turns out to be wrong. When you buy someone a gift, that person is under pressure to reciprocate. That is fine if you are both loaded but a problem if the person receiving the gift is broke. The same argument is used about Xmas presents here: http://blog.moneysavingexpert.com/2009/11/10/is-it-time-to-ban-christmas-presents/

 

I can't see any reason why the policy would be illegal.

 

At what point does an employer have the ability to stifle / control and person's decision to buy a gift?

 

If this turns out to be perfectly legitimate then we have strayed into very dodgy territory.

 

Freedom of expression?

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At what point does an employer have the ability to stifle / control and person's decision to buy a gift?

 

If this turns out to be perfectly legitimate then we have strayed into very dodgy territory.

 

Freedom of expression?

 

I am really concerned that so far you have not seemed to find any situation in which gift giving to colleagues could be inappropriate. Seriously, you can't see it at all?

 

I'm not comfortable giving advice to someone who seems to have no boundaries around others. Can you genuinely not see how it could be really creepy and scary, and that is probably why the rule is in place?

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I am really concerned that so far you have not seemed to find any situation in which gift giving to colleagues could be inappropriate. Seriously, you can't see it at all?

 

I'm not comfortable giving advice to someone who seems to have no boundaries around others. Can you genuinely not see how it could be really creepy and scary, and that is probably why the rule is in place?

 

If I gave a gift and said "here's my number, give me a call" etc that would be creepy and totally inapropriate.

 

Life is full of boundaries and we all live (mainly we all do) by these boundaries. These boundaries have some logic to them.

 

When I told the few people I buy for that buying gifts is being frowned upon they were horrified and basically said "i'll do what I want to do".

 

Assuming you're not joking with your messages you must think that a "nanny state" that controls people is a favourable situation?

 

I generally do what I want to do as I could afford to stop work for about 8 years. I'm lucky to have a second income.

 

I'm not used to being dictated to in a way that I feel in unnecessarily controlling.

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Assuming you're not joking with your messages you must think that a "nanny state" that controls people is a favourable situation?

 

 

Actually I am more used to dealing with women who have been pestered by creepy guys who cannot understand social signals, and I find your need for freedom to be less important than their need to be comfortable in the workplace.

 

Which do you think is more important?

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Actually I am more used to dealing with women who have been pestered by creepy guys who cannot understand social signals, and I find your need for freedom to be less important than their need to be comfortable in the workplace.

 

Which do you think is more important?

 

I do not know where you are coming from but you've totally misunderstood what's going on here.

 

The hoo-ha at work wasn't about this it was about other stuff (timekeeping, sickness etc) that's been going wrong for months.

 

Nobody has complained about gifts because I asked.

 

Management have decided to have some sort of clampdown and they are challenging practices that have been going on a long time.

 

My circle of friends are not happy about this (gifts) and are asking where the sudden interest has come from.

 

Nobody is being pestered here. Why do you think that?

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This seems more a matter of being told what to do rather than a genuine desire to buy a gift. tbh why would you want to? most people are actually uncomfortable receiving gifts at work, if you feel that strongly buy everyone a cake or buy them a drink at lunchtime . I actually think gift buying has got out of hand and your employer is right to put a cap on it. and does every last little thing have to be written into a policy? what happened to common sense?

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I don't think anyone is neccessarily being pestered but I am struggling to understand how you believe gifts could never be used for that purpose. You are so set on defending your "freedoms" you seem unable to think of other points of view.

 

One person's freedom can often be another's misery. My freedom to keep noisy dogs, play music at 3am, let my kids draw on walls, etc etc. "Nanny state" is another inflamatory term people sometimes use instead of "civilised society."

 

"Other stuff" is not what you asked about in your thread title. I am curious about why you posted on a board which offers opinions; you seem to only want opinions which agree with you. I don't think your views have shufted at all, have they?

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 don't think anyone is neccessarily being pestered but I am struggling to understand how you believe gifts could never be used for that purpose. You are so set on defending your "freedoms" you seem unable to think of other points of view.

 

One person's freedom can often be another's misery. My freedom to keep noisy dogs, play music at 3am, let my kids draw on walls, etc etc. "Nanny state" is another inflamatory term people sometimes use instead of "civilised society."

 

"Other stuff" is not what you asked about in your thread title. I am curious about why you posted on a board which offers opinions; you seem to only want opinions which agree with you. I don't think your views have shufted at all, have they?

 

I know that gifts COULD be used to harass others but this is not the case here.

 

I have no problem with being dictated to because mainly it's done for good reason.

 

I'm don't like being told what to do anyway but if you do tell me what do please make sure you have an explanation as to why.

 

I see your point about the nanny state but a lot of people who keep noisy dogs and plays music at 3.00am have no idea as to core values.

 

When it comes to others points of view I am listening to my circle of friends who think this is ridiculous.

 

We were told that if we give gifts outside of work it's the same as giving them inside work.

 

How does that stack up?

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How does that stack up?

 

That they are protecting their staff from nutters. Good for them says I!

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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Emmzzi is right. Just realise that it is nothing against you personally. THe company needs to protect itself and its employees so has a blanket rule on this. Personally iw ould just follow the rules and if you really want to send presents to each other, do it outside work. IMHO you are making too much fuss about something that is not really worth worrying about.

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Sad that people are stupid enough to stalk and harass others the thus forcing companies to add these policies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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