Jump to content


  • Tweets

  • Posts

    • Hi @LilMissM   I guess you could call me our resident CIFAS Specialist - Personally have been through all of what you have and now have come out the other side when my marker fell off in May 2023. For a start Monzo may close your account but as I had a Marker for App Fraud (Vodafone ended up making a whole hoohah of the account I had with them) - I was with them and still am from Oct 2017 till today. And not once did they close my account. I actually spoke to a couple of current account providers at the time that I had accounts with - Nationwide and Barclays - Told them what was going on and provided all the evidence to them. They advised they may do so but it was highly unlikely now that they understood why it happened and what I was doing to fight it.    Anyway - On to your marker. MCB is My Community Bank?  I can say to you that on experience that On Monday you can be on top of the world then on Tuesday you whole life changes in a flash of an eye. Suddenly you cant pay your bills, Work isnt feasible and you are left with no other choice but to scrape by.  If this has happened to you, then join the club.  - Why is this important? Well Financial institutions get one whiff of potential fraud and you are guilty without a chance to respond. You found out the hard way   If it sounds like I'm waffling, I'm not - Its important to your issue. They have deemed you guilty by the fact that no payments have been made and potentially entered into a loan agreement knowing looking not to pay (Although thats how it may appear, there will always be factors against that)    First off - Questions - What Category of Marker do you have? If unsure, check my signature for a Credit File Guide which will tell you all you need to know about what Categories apply.  - When did you raise the complaint? They will have 8 weeks to respond. More on this in a mo.  - Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan?   My next suggestions, Send this complaint to the CEOs office - CEOEMAIL.COM Let them make the decision as per the Complaint Procedure. Then if they refuse to remove the marker. take it to the FOS who can force the company to remove it if found in favour.  Some companies do need a slap or 2 once in a while to bring them down a peg. You could be looking at this right now.   
    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Employer issues


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3397 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello. I need some advice please.

 

 

I have been working for the last fifteen years for a "charity". My boss registered herself as the charity rather than the business....I think to do with tax etc. Anyway, over my time as an administrator there I have been given more & more work with expectation that I am available all of the time. I used to get paid an hourly rate and submit a time sheet each month but this was changed three years ago to a minimal fixed amount each month and then twice a year in June & December I had to submit a timesheet for any excess....but this is always queried and payment always begrudged. I only earn £300 per month so we are not talking megabucks.....but I am fed up with being expected to be available 24 hours a day, 7 days a week, 52 weeks a year.

 

 

Whenever something needs doing it becomes my job. I feel like an octopus sometimes!

 

 

Just before Christmas it was demanded that I worked Christmas week doing something that could have waited. The boss doesn't work Christmas week and nor does anyone else - just that the expectation was for me to do it and this is the third year this has happened....but this time I refused. She nearly blew a gasket!!

 

 

I heard from a colleague that the boss was raging about me and I have been summoned for a meeting this week....I think my days are numbered as she does not like people saying no to her.

 

 

My query really is to find out where I stand legally? My job does not have a contract...it has always been by verbal agreement. Originally it was voluntary but as the workload increased I began being paid. The office is my home....and everything for the business is stored at my home/garage/shed etc. All of this has been done free of any charge.

 

 

If I do suddenly get the sack as I suspect is going to happen....what can I do about it if anything?

 

 

Many thanks.

Link to post
Share on other sites

Hello there.

 

I hope the employment guys will be able to help you because I can't help thinking that this doesn't sound fair. The way you tell it, it sounds as if the boss has taken advantage of your good nature.

 

Let's see what the guys think, they should be along later.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

I am confused. A person cannot be a charity; a charity is a separate legal entity.

 

I would check out guidelines about disciplinaries and dismissals on the ACAS website; proper procedure should be followed.

 

What do you want the outcome to be?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

As a side note

 

Even if the business is a registered charity when it comes to employment all the regulations regarding employees are the same.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

The business is not a registered charity. You will find that if you work in mission you are able to register as a charitable person and receive income for financial support. It works under the same principle as churches but a person/individual; so yes, a person can be registered.

Link to post
Share on other sites

the charities act says institutions. I can see an institution being registered to support a mission or individual. I'm cofused about how you would be your own trustees otherwise...

 

http://www.legislation.gov.uk/ukpga/2011/25

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

There are no trustees. Stewardship provides charity accounts for both institutions and individuals......the accounts are designed so that people working in mission can receive financial support. It does not work in the same way you are assuming it does and is not covered by government legislation in the same way either.

Link to post
Share on other sites

You could bring a claim for unfair dismissal if the correct procedure was not followed, or if the dismissal was not justified. I can't really see a basis for suddenly getting the sack. Although to be fair given your salary you wouldn't get much compensation and depending on your attitude it might not be worth the hassle.

 

Beyond that, you basically have three options. The first option is to suck it up. The second option is to be more steadfast in refusing to be available outside working hours and making sure you submit accurate timesheets for that time. I don't think its reasonable to expect around-the-clock availability for 300 a month so you need to make it clear to your boss what the boundaries are and what working arrangements are acceptable. The third option is to resign and search for another job.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

ok. I am still not sure what outcome you are looking for?

 

Can you provide a weblink to information on stewardship? You need to determine what kind of entity your employer is, I am still vague on that and wthout a written contract it's hard to know. Who is on your payslips?

 

The only info I can find is this, which suggest she'd be a recipient of charity funds, not a charity herself.

 

http://www.stewardship.org.uk/receive-funds/eligibility

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

Thanks for all the replies.

 

 

Emmzzi......I appreciate people's help but I am not sure why your entire focus is on the charity aspect rather than the fact that I might lose my job and where I stand.....so I think I have answered as much as I can and do not see any further mileage in continually going backwards and forwards with this.

 

 

I will wait and see what happens and then see where I need to go for advice. Thanks to all.

Link to post
Share on other sites

My only concern would be what your employment status is - you have to be an employee to claim unfair dismissal. It sounds like you're lacking the mutuality of obligation element, though - which would point more towards worker status.

 

Either way you're entitled to receive at least the national minimum wage (unless you're self employed) - it would probably be more helpful for you to speak to a lawyer!

Link to post
Share on other sites

My other focus is finding out what your preferred outcome is, which you haven't answered. They sound like a terrible employer, so I don't know if you want to keep your job and be treated better, or leave with maxium amount of money, etc.

 

The probability of either outcome is affected by who your actual employer is. Organisation end to have more rsources to help than individuals. So the employer name on your payslip, matters!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

you dont need a written contract for a contract to exist but you should have received something in the way of terms and conditions of service etc. Not to provide them is an offence.

As Emmzzi asks, do you really want all of this trouble for such a a small and begrudged return? I would be looking at going somewhere else but personally would go out with a bang and demad to know why no employemnt conditionas after a month there, why you are being paid less then the minimum wage aand also enquire about your registration with the DWP and HMRC ans an employee so things like p60's would be needed each year are you getting them? If not them dob in to DWP, Charities Commission etc.

You obviously have transferrable skills, take them to someone who appreciates them (and you )

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...