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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I have a date set for a tribunal hearing for unfair dismissal and have to submit what I am claiming for. I am self representing.

My employer singled me out and called me in for every little thing to try and dismiss me for over 2 years after I raised a grievance because management had blackmailed me.

On my ET1 there was no boxes to tick to say I had been victimized/discriminated against or harassed other than for racial/sexual/age etc which obviously wasn't the case as i didn't fall into any of these categories. I did put in the notes that I was singled out and punished over things every employee was doing and management ignored this fact.

Now my question is can I claim for any damages because of this? Will the tribunal pick up on this and award me damages or do I just write off the way I have been treated and claim for loss of earnings etc

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What law do you think your employer has broken please?

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'm afraid you cannot make a claim for general discrimination. You can only make a discrimination claim on the basis of being treated less favourable due to a protected characteristic like age/sex/race. You need to focus on the unfair dismissal aspect.

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Did you get another job, if so how long were you unemployed = lost wages etc.

 

If you didn't get another job, you are going to have to demonstrate how you have been trying to get one.

 

Has the respondent given a schedule of loss ( so far) to you.

 

On your et1 there was a section asking what remedy you were looking for, what did you put there.

 

Sounds familiar case, didn't you have a problem with the type of claim, changing from unfair to unlawfull or vis versa?

 

Well done with getting this far, with your limited knowledge, you do know it gets more intense.

 

You need to do a lot of stuyding and buy a couple of books at least.

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As of yet I have not got another job, unfortunately due to the nature of m job I have to have safety critical tickets and these lapsed 1 week after dismissal. To renew these I have to have a sponsor (employer) as the cost is quite high its alot more difficult to get somebody to employ you although I have applied to all the relevant companies in my field of work. So far I have been unemployed 5 months.

 

The respondent has not given me a schedule of loss

 

I asked for my job back and compensation on my ET1

 

And this is my first ever post on here and it has always been unfair dismissal. I am just unsure of what to claim on the schedule of loss as all this started after my employer blackmailed me and I raised a grievance. Since that time I have been picked on continuously and they have tried to dismiss me on a few occasions. I have lost thousands of pounds in earnings due to suspension etc

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Schedule of loss is just that, it's nothing to do with your compensation for injury to feeling.

 

I think the respondent would argue your loss, as on the details so far, you haven't really been that proactive.

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I was paid the minimum wage during suspension. No where near what my normal wage was and even though I disputed it several times my requests were ignored. Also periods of suspension were dragged out for months on end for no real reason.

 

As for arguing my loss I cannot see how they can I have emails for all the jobs I have applied for and I am waiting for the next available safety training course which could take months. I cannot do my job without this training.

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Thanks, it is quite confusing but I have on paper been offered employment with 3 different companies but the training is a waiting game. The fact that my ex employer missed 1 of my training deadlines and I had to wait 7 months for training would be a perfect argument over this.

Obviously I am continuously chasing these companies up in regards to training dates etc but no start date can be confirmed until this training is complete. I cannot see what more I can do in regards to looking for work, apart from going into a completely different field of work which would be difficult due to lack of experience etc

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Ok thanks very much so that means I cannot include 'injury to feelings' in my claim

 

Yes, this is only applicable for discrimination claims.

 

Your schedule of loss for unfair dismissal should be something like this. I am not commenting on whether you have a strong unfair dismissal claim because there is not enough information to make an assessment.

 

IN THE EMPLOYMENT TRIBUNALS

CASE NO:

 

BETWEEN:

 

Claimant

 

and

 

Respondent

 

Gross weekly basic pay:Net weekly basic pay:

Contractual notice period:

Dte of birth of claimant:

Period of service:

Years of continuous service:

 

1. Basic award (calculated accordingly to statutory formula):

 

 

2. Loss to date (specify the date)

Loss of salary:

Loss of pension:

Loss of other benefits:

Other expenses (specify them - e.g. travel to job interviews etc):

 

3. Future losses

Future loss of salary until xxx: (have a reasonable estimate at when you will find a new job)

Future loss of benefits/pension until xxx:

Future expenses:

 

25% increase in compensary award due to Respondent's unreasonable failure to comply with the ACAS code: (only include if there has been unreasonable failure to comply with the ACAS code. If you are going to go down this road you need to point to which precise provisions have been breached)

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You really need to obtain a book called employment tribunal claims by naomi cunningham and michael reed.

 

It is invaluable in helping your claim, it has been mentioned on here many times.

 

It is almost a step by step guide ( although no substitute for legal help)

 

There is an example of a schedule of loss, similar to the above.

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