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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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kokobhu

loan refinance horror

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Hello guys.

 

 

I need some advise on a loan I took out in September 2012.

 

 

The was from a Credit union for £2,000.

 

 

The terms of payment for the loan was very excruciating at £190.00 per month.

 

 

When I enquired I was told it was because of my citizenship but luckily my British citizenship was already in the pipeline

so when it came through a month later I approach them for a lower repayment rate which they agreed to at £70 per month @ 26 months.

 

By the time of refinancing the loan was already down to 1382.03 and

according to the new refinancing terms the total payment will be £1782.03 to be completed by January 2015.

 

 

I have paid from from January 2013 till present making altogether 24 payments of £1680 leaving £102.03 to pay.

 

 

So you can understand my absolute incredulity when I requested for an update on the account

and I was informed that the loan will not as initially mentioned end in January but in June!

the person in charge then said it was a mistake they made in their calculations.

 

 

But by my calculations and statements I don’t see why I should still be paying till June 2015,

it really beats me as to why and neither can they give me any cogent explanation to explain.

 

 

Any advice please as to how to resolve this?

Will be most appreciated..

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Did you count any interest? Was the interest included in the initial amount?

 

In any case you are fully entitled to a itemised breakdown of the lian and any arrears owing.


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

:D

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Thanks for your response. Yes I was provided one but i can't understand it anyway. I took the loan on the terms stated in the contract/agreement (attached herewith). To the best of my understanding its all included in any payment. i have included here copies of the statement and agreement, just incase I am missing something...

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Can you convert to PDF and edit out personal info and reference numbers. The breakdown I mean.


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

:D

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Looks like they're saying the base amount then 1700 after interest etc


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

:D

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Thanks once again for your response.

 

 

I am afraid that is not what they were saying ( pls check out pdf attached)

the refinanced base figure on the contract is £1382. 03 plus another £400

which I assumed is the interest on top of which as stated on the contract

bring it to 1782.03 to be paid in 26 installments of £70 pm which I have been doing.

 

To date I have paid £1680 which is 24 payments.

leaving just one more payment in January and the 32.03 mentioned in the agreement.

 

 

Paying till June at £70 a month means that the agreement is not 26 payments as stated in black and white on the agreement

and the figure is no longer 1782.03 any more but £2162.00. This is what beats me.

 

The outworking of the agreement as suggested presently as declared by LCCU no longer bears any resemblance to the terms and conditions

under which we agreed.

 

 

I have attached the agreement and its terms and conditions in pdf for your perusal.

 

I am not sure how to go about resolving this..

I will be very grateful for any direction and advice in this matter.

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