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    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Ok thank you for the good advice
    • Hi Don't have facility to pdf right now.  But this is reply from FOS: "Overall, based on the evidence I have seen, it is my view that: We cannot look at the complaint against the seller Central Capital as it was not covered by us, or any of the previous schemes that we took over from, for the sale of ppi We cannot look at the complaint against the lender (EPF) as the seller was not acting as its agent and in any event it was not covered by us, or any of the previous schemes that we took over from, for the sale of the PPI. We cannot look at the complaint against the insurer as we have been unable to establish an unbroken chain of responsibility between the 3 parties involved".   However, tonight I have discovered something.  On the application it shows total value of loan and only mentions type of insurance chosen - no value.  On the agreement, however it has the value of the loan, single premium of PPi and then the total of both.  What I have not noticed before is that in the agreement there is a tick box for single premium and also monthly premium!  I was certainly not made aware of this option and looks as it EPF have added the single premium to the loan without my permission.  I was not made aware of the single premium paid up front until the agreement came through.    
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boggler

Organising a petition in the workplace

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Hi,

 

I work in a large organisation of 500 employees where management is planning to reduce activity in our section and half the work force of our section from 20 members to 10. As a result, someone has decided to organise a petition of all 500 of the workers in the organisation asking management for an end to job losses and instead to negotiate an alternative plan with our section.

I have argued that anybody who signs such a petition could find themselves in trouble with management but other people seem to think that any direct consequences such as dismissal or maltreatment would be illegal. I would be interested for any thoughts on this matter!

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That's an interesting scenario.

 

Legally speaking, a petition is informal and is unlikely to have any real effect. However, it may be persuasive to encourage the employer to engage in negotiation - but they're only legally obliged to do so with affected employees.

 

I can't see that anyone would get into trouble for doing this, necessarily - but they also aren't protected against poor treatment if they do, unless the petition highlights a breach of a legal obligation.

 

Of course, if they really want to be heard then a collective grievance is the way to go - but I'm not sure there are grounds for this just yet, and it would certainly make more waves!

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I am with you on this. I do think many companies would see this as misconduct and might try to discipline for it. These companies could try to argue that it is undermining management and that disputes should be dealt with privately. I think this is especially likely if there is already a formal grievance procedure in place which is supposed to be followed.

 

I think its probably not serious misconduct though so anything more serious than a first verbal or written warning would be difficult to justify.

 

 

There is protection for whistleblowing but I don't think a petition would qualify, and it most likely wouldn't be covered by any whistleblowing policy.


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Thanks for the replies,

 

Yes, I was more concerned about the indirect consequences. It is interesting Becky that you say there is no protection against poor treatment. Surely, the employee would be protected fro many direct consequences such as being treated inferiorly to someone who did not sign the petition?

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Thanks for the replies,

 

Yes, I was more concerned about the indirect consequences. It is interesting Becky that you say there is no protection against poor treatment. Surely, the employee would be protected fro many direct consequences such as being treated inferiorly to someone who did not sign the petition?

 

There would be no protection here, I don't think.

 

In law, employees aren't necessarily automatically "protected" against less favourable treatment or being subjected to a detriment, unless they can show the reason for the treatment was for one of the prescribed reasons - such as discrimination on the grounds of a protected characteristic, whistleblowing, health and safety, and certain types of employment status.

 

So if an employee signed a petition which simply said "I don't agree with the way the business is being run" then there's very little protection from detriment, unless the detriment went so far as to amount to a fundamental breach of trust and confidence. However, if the petition was worded in a way such as "the business has breached it's legal obligation due to XYZ, resulting in these consequences", then if that was worded in such a way as to amount to a protected disclosure, there would then be protection against detriment or dismissal. It depends entirely on the content.

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Hi boggler

 

I think you should raise the matter informally. If you don't get heard, you could raise a joint grievance. This should be outlined in your company handbook. Are you in a Union? if not you can contact ACAS for advice,

 

http://www.acas.org.uk/index.aspx?articleid=1461


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What reason have the company given for their action? Apart from job losses are their other implications such as, for example, safety?


 

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:p

 

Advice & opinions given by Caro 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.

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The reason given is that some of our activity is not aligned to the future targets of the company and also some activities are not meeting the organisation's KPIs. We are in a Union but it is not very effective!

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Could you ask your rep to get someone from the area office to advise you. Frankly I don't see any point paying your subs if you don't use them.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Hi boggler

 

If your not happy with the local representation, there is nothing to stop you contacting regional or national representatives. Union's these days are pretty self serving, mostly useless enterprises, but they might take note as there's a large employee base.

 

 

 

 

The reason given is that some of our activity is not aligned to the future targets of the company and also some activities are not meeting the organisation's KPIs. We are in a Union but it is not very effective!

Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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