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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • 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??
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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!
       
       
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    • 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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Hey everyone.

 

My sister needs help. First off she has learning difficulties and doesn't fully understand the situation she's in.

 

She works for a care company where she goes to peoples houses to help the elderly with there daily things. She's on £7ph, the problem I see with this is they will schedule her to work 30 mins at a house and they will only pay her half of her £7 which I can slightly understand but what annoys me is she has to pay for her own travel nothing discounted or anything.

 

She spent 5 days a week leaving the house at 8am getting home around 9pm and in 3 weeks only got paid £171. I do not think this is fair and was wondering if this is allowed.

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Hi bg5067,

 

at this level of income your sister may qualify for income support benefits, perhaps that could be checked out at the local Job Centre.

 

Morally this is so wrong, it would be interesting to see what the company charges the end-user. But such thoughts don't help your sister. How about contacting Mencap Direct? - they should be able to give you some effective support.

 

http://www.mencap.org.uk/mencapdirect

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Yes, that does not sound right at all. I think the first thing might be to talk to the employer and explain the concerns. Hopefully they can see there is a problem here, I can't imagine see how they would keep their staff if that is their business model.

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thanks everyone.

 

I agree with your points. Problem I'm facing is my sister has learning problems and she doesn't really have it in her to do that, I'm worried if I get involved or my parents do then they might sack her.

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thanks everyone.

 

I agree with your points. Problem I'm facing is my sister has learning problems and she doesn't really have it in her to do that, I'm worried if I get involved or my parents do then they might sack her.

She is 'earning' £1.04p an hour for the time relating to the job that she is out of the house. That is slavery and obscene exploitative behaviour by her employer.

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I'm in this line of work and it's usual for domicillary care workers not to be paid for travelling time. The company I work for also, at times, don't actually allow travelling time between clients homes meaning you either have to arrive early at one place or late at the next one.

 

One thing the company I work for does do that is better than what's happening to your sister is that we have rates of pay for 15, 30, 45 and 60 minute calls and anything over an hour is billed at the hourly rate. I often find that I half days where I'm out for the best part of 9-10 hours but only work 7 hours and earn about £45 before tax!!

 

Feebee_71

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Lifted from the TUC website

 

Working out your working time

 

What counts as working time?

You need to be at your workplace and carrying out your working duties under the direction of your employer for it to count as working time.

It includes:

 

  • training at the workplace provided by your employer
  • time travelling to visit clients when this is a regular part of your job such as a travelling salesman or home help

--------------------------------------------------------------

 

 

That said i've heard this issue a few times now so my spidey sense detects a loophole somewhere and zero hours contract springs to mind, it's clear home to work is not classed as working time for 99.9% of folk but something is amiss

 

 

Also see the taxman, they may be able to claim mileage allowance

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This is absolutely the norm for homecare workers, sadly, and is the reason why my wife has recently changed jobs.

 

She was being asked to cover jobs on the other side of town that were a half hour in duration but no travelling time or mileage is payable. For an average shift of 5 hours a night she was earning around £15 and that is before taking the cost of petrol into account, since no allowance is paid for that. The only people getting rich from this type of work are the care companies themselves who may be paid around twice the hourly rate (and often more) paid to the worker. They are so desperate to hang onto contracts that tenders are made way below the level that would allow care workers to earn a decent wage.

 

It has long been recognised that not paying for travel time breaks the law in relation to minimum wage and working time, but the only way that this is going to change is for somebody (or for a group collectively) to start taking employers to court over it. Even the government agrees that there should be a change, but as always, the cost implication is sufficient for Ministers to kick the ball into the long grass. With so much of the work made up by Social Services contracts, this would involve a massive additional cost to Government at a time where budgets are being slashed or at best ringfenced at current levels.

 

It doesn't help your sister, but she is not alone.

 

Interesting article here http://www.communitycare.co.uk/articles/20/03/2013/119021/non-payment-of-travel-time-for-care-workers-breaks-minimum-wage-laws.htm

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Thanks guys.

 

To be honest she could get more on JSA but she would have to be sacked to get it if i remember correctly. This is partly my sisters fault she use to work in a care home in Banstead earning £800-900pm but was so unhappy she just left and worked there, she doesn't tell us anything she does and when we question her she gives basic answers.

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She ought to put in a claim for tax credits - she has to ring and request a form and then fill it in and return. They can backdate by a month but no more. The form isn't too difficult to fill in either. If her income is only £171 or thereabouts a week she'd possibly get help with rent too if she's renting somewhere.

 

Feebee_71

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She ought to put in a claim for tax credits - she has to ring and request a form and then fill it in and return. They can backdate by a month but no more. The form isn't too difficult to fill in either. If her income is only £171 or thereabouts a week she'd possibly get help with rent too if she's renting somewhere.

 

Feebee_71

 

More like 2-3 weeks pay

 

but thanks i will get her to do that

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