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    • You have fewer rights, not no rights. You can't take your employer to Employment Tribunal for Unfair Dismissal in most circumstances until you have worked there for 2 years. But you can take your employer to Tribunal to recover unpaid wages however short a time you have been there.   But your concern at the start was "... when I leave next year, will they pay my overtime" so you are planning to leave anyway?  Have they paid you overtime up to now? If so your payslips will be evidence that under your contract they pay overtime so if they don't you can bring a claim for unpaid overtime agaisnt them. Do you have any reason to think they won't pay it?   Keep your payslips!        
    • In the first two years they can pretty much get rid of you for any reason (or even no reason!), so it's perhaps a bad idea to give them any excuse until the two years are up.  Even then, establishing that say, you've been unfairly dismissed, is not always easy.   In the first two years I think you would be able to sue for "wrongful" (as opposed to "unfair") dismissal, but there you are talking about legal differences beyond my competence.   Is there a problem other than the lack of a written contract?  You could ask again (tactfully).  eg "Oh - I've just realised that I don't seem to have a copy of my terms and conditions.  Can you let me have a copy?"  If they keep refusing you might decide that either (1) there's something funny going on here, or (2) they're simply incompetent.   Assuming you pay tax and NI, you may want to check with HMRC that deductions are being paid over to them.  (I assume you can do this without your employer knowing - others will know how).   Are you being paid for overtime worked?
    • as it is on a separate pole and not on the building the height is immaterial. the deemed consent requires the height to be no more than...... and they dont have that because it isnt attached to the building Do not confuse the 2 things
    • yes please, go back to the very beginning to explain everything. We will need to know what you put down in writing fro your defence as well as the info on the signage that is contested. Did PE argue that the signage has chnaged since you entered the land and breached the contract or did they simply state that there were 5 signs when that is clearly not so? appeals are on either matters of fact or matters of law so if you want to raies the planning issue then that is a matter of law (no contract can be formed) but not raising it earlier will make that a difficult ne to put forward. It is unfortunately very common for PE and others to just tell out and out lies when it comes to signage etc so look up other cases where they ahve tried the same trick and use that as evidence if possible
    • I get the distinct impression they would not vote to bring down a government thats promising Brexit deal or no deal until after Oct and a hard Brexit.   I don't doubt that would suit Corbyn too.
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Hello All,

 

A few years ago (around about 2010) I had some financial problems and had a few debts with some payday lenders that spiralled out of control, naturally, I took control and "lost" my debit card, making any CPA redundant.

 

Being a law abiding citizen like I am though I have taken responsibility and paid everything back, apart from a debt with the aformentioned Cash Genie/Ariste holdings.

 

This is a belter of a dispute.

 

I took out a loan of £110 with an interest fee of £33. I received about £95 I think it was due to being a bit silly and paying £15 for same day payment. Repayable amount of £143.

 

Can you see where this is going yet?

 

Naturally with this being the final one to deal with, I approached Cash Genie earlier this year, only to receive an e-mail from MMF with regards to this debt saying that I owe a balance of...... £1604 - with late Direct Debit fee's of £51 (I can actually stomach that fee, it's not unreasonable) and refinance fee's of £1410 (I do not agree with this nor have any intention of paying).

 

I did receive a further offer to be able to pay £296 to settle the balance, but seeing as this still just over £100 of what I would say is reasonable I'm standing by my principles and not succumbing to it. I merely think that the £1604 figure is to scare me into paying the £296, over the odds as to what the loan should be.

 

It's worth noting that the default notice was lodged in 2010 for £143.

 

I've tried contacting the original lender to no avail. I've got a copy of the credit agreement after 4 months of requesting it, and I suppose it's the standard Cash Genie one, the terms on late fee's are incredibly vague.

 

If anyone can assist me with where to go from here, I'm all ears and would appreciate it.

 

Ta.

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Simple. Tell MMF to prove it. They are known for creating ficiticious info and not checking the facts of a debt. Just read around the MMF forum and youll see some real horror stories.


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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They've told me that the balance has been set by cash genie and they can't do anything about it! Cheers, will have a look, might pick up some pointers.

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Hello All,

 

A few years ago (around about 2010) I had some financial problems and had a few debts with some payday lenders that spiralled out of control, naturally, I took control and "lost" my debit card, making any CPA redundant.

 

Being a law abiding citizen like I am though I have taken responsibility and paid everything back, apart from a debt with the aformentioned Cash Genie/Ariste holdings.

 

This is a belter of a dispute.

 

I took out a loan of £110 with an interest fee of £33. I received about £95 I think it was due to being a bit silly and paying £15 for same day payment. Repayable amount of £143.

 

Can you see where this is going yet?

 

Naturally with this being the final one to deal with, I approached Cash Genie earlier this year, only to receive an e-mail from MMF with regards to this debt saying that I owe a balance of...... £1604 - with late Direct Debit fee's of £51 (I can actually stomach that fee, it's not unreasonable) and refinance fee's of £1410 (I do not agree with this nor have any intention of paying).

 

I did receive a further offer to be able to pay £296 to settle the balance, but seeing as this still just over £100 of what I would say is reasonable I'm standing by my principles and not succumbing to it. I merely think that the £1604 figure is to scare me into paying the £296, over the odds as to what the loan should be.

 

It's worth noting that the default notice was lodged in 2010 for £143.

 

I've tried contacting the original lender to no avail. I've got a copy of the credit agreement after 4 months of requesting it, and I suppose it's the standard Cash Genie one, the terms on late fee's are incredibly vague.

 

If anyone can assist me with where to go from here, I'm all ears and would appreciate it.

 

Ta.

 

 

 

 

What actually shows on your credit files now? A default notice is not the date the default was placed.

 

 

The DN cannot include charges or fees.


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It shows an entry from Motormile Finance UK, the entry only appeared when this started in April, the default date shows 28/6/2010 for £143. Balance shows as £1604. Hope this helps!

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It shows an entry from Motormile Finance UK, the entry only appeared when this started in April, the default date shows 28/6/2010 for £143. Balance shows as £1604. Hope this helps!

Hi, so £1461 .00 in charges excessive indeed.

 

 

I suggest you write to Mr Neil Petty MD of MMF and Demand (don't) ask for a full explanation of the way the balance has been arrived at.

 

 

£51 for a failed DD is excessive, what are the levels of other fees/charges?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It's just £51 late DD fee and the rest is one lump sum entitled "Refinance fee". Ta, I'll write to Neil Petty.

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