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    • I asked   How many times has his contract been renewed previously? What's his length of service?  -  It sounds like he has not been renewed if he only started in May, so continuity of service is not a factor here.   And then, what does the absence policy say? It would be unusual for an email to be ok, most require a phone call. - he hasn't given a sick note - so he is in breach. That's clear enough.   But, if it is just about references - ask. He should just ask what the reference will say. Him, not you, by the way. Probably a good idea for him to find his way around forums himself too.   It sounds like they are not dismissing, they are just not renewing - huge difference. So there's no disciplinary, no need to state his case. They are doing a thing they are completely permitted to do. Extreme? Tenuous? Maybe. Legal? 100%. I'd probably have just said we're not renewing and leave it at that, but then again, getting a reason means he's had an opportunity to learn.    A basic reference stating dates of employment is all many employers offer now; so he should just ask if that is what they do/ what to expect them to issue, and then you can stop worrying. In the middle of a pandemic no employer is going to think it is weird a FTC was not renewed. 
    • ok, so a verbal warning would not be the end of the world.  Do ask in wiring for a copy of the policy that was in force on the day you went for your test; which might be different to the policy that exists now!   But, if you are clear that you had not been briefed properly on the policy, and clearly were trying to comply - you showed good intention by taking the test and then staying home as soon as you had the results. You didn't want anyone to get sick.  it's clearly an unfortunate misunderstanding. Obviously now you know better, you'd do things differently next time.   I think if you're a good worker otherwise, this will turn out to be a storm in a teacup.   Glad to hear your colleague sounds like he's doing ok. Out of all this, that you are both doing ok is the most important thing.      
    • I thought I had answered your questions , have I missed some? I absolutely appreciate that you are trying to help, I have taken a look at the absence policy but it pertains more to full time regular members of staff. His shifts were never the same each week or month. It states that he is to contact his manager on the first day of absence  (which he did)and if longer than 7 days then he would need a sick note from the doctors he had contacted the doctor to arrange this but there was a backlog on registering patients. (he only graduated from Uni in May during the first lockdown). My concern is the affect this may have on any references. He graduated from University in May and this is the only job he has since then. I just feel that although I agree  and understand that the main point is the fact that he didn't send the email, at no point was he allowed to state his case officially.  
    • Taxhelper   Dont know how to say it, but a Genuine Thankyou   Shows what a great person you are that you are prepared to offer such advice for free .   Im vey much indebted.   Thankyuo again   stay safe    xxx
    • The choice is yours - yes, you can reopen the 2018/19 Return and resubmit it online - corrected - by the end of this month to include that overlooked expense. Alternatively you can include it in your 2019/20 Tax Return declarations if you wish.   Obviously the first action will ensure both Returns are more accurate. We do that for some of our clients now and again when they inadvertently overlook something. It's fairly usual practice. Once again .....good luck!
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hi All,

 

I'm looking for some advice on how to start putting my life back together after spending the last 6 years looking over my shoulder!

 

To cut a long story short after a relationship breakdown and some other personal issues my flat was repossessed in 2008 and Northern Rock sold it on at auction.

 

The flat cost me originally £38500 on a together mortgage and I also took out an additional £6K loan on top of that to clear some debts as well as a £10K loan from Blackhorse (secured) a few years later.

 

I now have NRAM chasing me for a shortfall of £29500 and Blackhorse £17985 both of which I have paid nothing towards since the repossession.

 

I received a letter from Mackenzie Hall last week offering a settlement figure of £8800 for the NRAM shortfall (which I don't have!) or a £40 PM payment. I also get occasional letters from various DCA's about the Blackhorse sum.

 

I am based in Scotland and I know the law is slightly different up here.

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How much did they get at auction for the property ?

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Uploading documents to CAG ** Instructions **

 

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4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/showthread.php?387500-Mortgage-shortfalls-Request-Breakdown-of-balance-owed

 

It might be worth sending the letter above to them in order to establish how they have come to the figure they are claiming.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have no idea..basically I went a bit off the rails and moved abroad for a couple of years just before the repossession date. They only information I have is letters from some DCA's and NRAM which have been sent to my parents address as they obviously couldn't find me and all my UK bank statements and post went there.

 

I'm now back in the UK and want to get this sorted and move on with my life as its been hanging over my head for years

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Is this the first contact that has been made in respect of this shortfall ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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are there late payment fees? if so claim them back to reduce the balance.

HTH (Hope This Helps) RDM2006

 

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