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    • Hello and thanks for taking the time out to review my problem.    I was at an ATM I use occasionally. Plugged in PIN and amount, the cash machine whirred opened and closed a few times then said ‘thanks for using’.    I contacted my bank immediately and they have started a dispute. This seems to be a common problem from what I gather reading about this now it’s happened to me.   It seems a bit odd that I have to wait so long to get my money back, if I get it back at all.   Surely they should be able to check the camera and see that there was obviously something wrong and no money dispensed?    is there anything I need to know so I don’t get shafted here by the ATM owner or by the bank dispute?
    • but they didn't remove them 'because' you agreed to pay or continue to pay + i bet they are over 6yrs old anyway and thats why they were removed.     who were 'they' you complained too..
    • they didn't Lloyds did upon or before sale,    anything that they can use to ID its YOU here on CAG, inc AC / ref no's and QR or Barcodes or little numbers down the edges. leave all figures dates etc etc .
    • Trouble is I cant do that though - I absolutely have to be able to get a mortgage at the end of this year and if theres a DMP or "arrange to pay" on it then I cant.   Understand the ones past the default + 6 years cant start reporting but I assume by your answers that the ones that dont have a default date can. This effectively means I will need to carry on paying those 4. I am thinking stop the DMP - make a personal arrangement with the 4 that arent defaulted. At least it will have more than halved the payment - unless there is a way of guaranteeing that they wont re-appear.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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      • 33 replies

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We are contracted for 35 hours, but all staff do more, 40, 42, 48 and upwards, at no extra, meaning no overtime etc.

I have worked nights now a few years, 4 nights a week, for 10 hours shifts. I have been doing 40 hours all this time.

Now what with minimum wage going up in October, and works pensions, and also our firm HAS to have 3 staff on nights now, the bosses have to pay for all these extras.

 

Well last week, we were told we MUST have a 1 hour break in the night now, and this will be deducted from our wages, so instead of picking up 40 hours, it is only 36 hours. Seeing as our work is busy and unpredictable,(care home), you cannot just stop for 1 hour, anything might happen. We get our breaks so to speak in times of quite, in between 1/2 hourly checks etc.

 

But when you worked it all out it is a damned lot of money to be down weekly, monthly, and certainly yearly.

 

4x6.70=£26.80x4=£107.20x12=£1286.40 I am going to be nearly £1300 a year worse off, that was the council tax paid or my gas and electricity paid for the year. I do not claim anything, tax credits or anything. How am I to survive.

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The truth is that employees have 2 choices- resign en masse if the proposed changes are effected or to swallow it. In this country the race to the bottom is speeding up so the latter is the usual option. If everyone went for the former the companies would have to address their business mehtods rather quickly. You should look at your tax credits eligibility.

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Your increase by 20p an hour reduces to loss to under £980; which is small comfort. Is there a chance for extra shifts to cover other people's holidays?

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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Everyone is contracted for 35 hours, but ever since I have been there everyone has done more, as stated above. In our contracts it says " you maybe required to work over your contracted hours, at standard rate". Fair enough.

 

I was happy financially with my 40 hours a week(35 contracted, 5 hours extra at normal pay rate), never had to claim a bean before, just always enough money for my expenses etc. But with £1300 knoocked off a year, well not only me, most of us will be buggered.

 

We will be picking up 36 hours from our next payday, still within the conracts terms I suppose, but still not fair, money grabbing bosses. Always the poor people get shafted.

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Everyone is contracted for 35 hours, but ever since I have been there everyone has done more, as stated above. In our contracts it says " you maybe required to work over your contracted hours, at standard rate". Fair enough.

 

I was happy financially with my 40 hours a week(35 contracted, 5 hours extra at normal pay rate), never had to claim a bean before, just always enough money for my expenses etc. But with £1300 knoocked off a year, well not only me, most of us will be buggered.

 

We will be picking up 36 hours from our next payday, still within the conracts terms I suppose, but still not fair, money grabbing bosses. Always the poor people get shafted.

 

So when you say every one was doing extra hours for nothing you meant they were getting paid for the extra hours ?

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So when you say every one was doing extra hours for nothing you meant they were getting paid for the extra hours ?

 

I probably did not phrase it right, I meant at no overtime rate, just normal rate.

We are contracted for 35 hours, but all staff do more, 40, 42, 48 and upwards, at no extra, meaning no overtime etc.
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First of all, maybe you should all join a relevant trade union.

 

Second, make sure you take your breaks. If it is not possible to do so then you need as a group to address the issue and ask the employer to make it possible to take your breaks.

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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.

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