Jump to content


  • Tweets

  • Posts

    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • The airline says it is investigating reports that customers can view other passengers' personal information.View the full article
    • They are finding new ways to cut back on household spending as China’s economy loses steam.View the full article
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
    • India has one of the world's fastest growing economies but the benefits are yet to fully reach the poorest.View the full article
  • 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

Change in working hours


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2454 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 was hoping someone could advise on the below :

 

Can an employee reduce your lunch break from 1 hour to half an hour without warning?

 

Details :

On starting my job (9+ months ago) I was informed I would be entitled to a 1 hour lunch break (verbal agreement), something I worked to from day 1 without issue or complaint.

 

However, recently an email was sent out saying we would no longer be allowed this entitlement and must now only take a half hour lunch

- No warning or discussion was given, just the email stating you must now only take half an hour for lunch as per your contract and on querying further they explained the 1 hour lunch was only supposed to be a temporary thing to relieve stress while the work load was high.

 

However, at no point was I informed of this being a temporary allowance and on reviewing my contract it simply states the below with no mention of break entitlement

 

Hours of Work

Your contractual hours are 37.5 hours per week.

Operating hours is Monday to Friday between 8am and 6pm and you will be expected to work on a shift rota between these hours.

Overtime is not paid.

HR is saying due to the 37.5 weekly working hours, listed on my contract, divided by my 8 hour day, I only get half an hour free for a lunch entitlement

– They don’t pay for the other half an hour.

 

 

I have since looked for further evidence to back my verbal agreement and proven work pattern and have now also found an email sent round just before I started.

 

 

This email is from our office manager, and it tells us all that we should all take an hour for lunch due to the nature of the job and work load, with no mention of it being a temporary measure (something they are now back tracking on and from by claiming it was mistakenly put)

 

in short do I have any right to appeal this based on the evidence and my prior 9 months + of working to it?

And can they ultimately force it through/change it regardless?

 

Regards

Jay

Link to post
Share on other sites

unless you are infront of a PC monitor for the full time .... I think 30mins is correct.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

If you are contracted for 37.5 hours over 5 days then you need to work 7.5 hours per day. Lunch is normally unpaid. Assuming your lunch is at the "normal" time then there is no requirement to get additional breaks. However if you work on a production line where you leaving for a comfort break would be an issue, the company may give a break to minimise the impact. Those breaks are usually paid.

 

The down side for you is that you have only been there for 9 months, so if you stir things up, you may find you are surplus to requirements!

Link to post
Share on other sites

A very simple answer. Yes. And if you kick up a fuss you are likely to be looking for a new job in the near future. And to be honest, if they were giving their employees some additional, paid, break time to help them through a particularly busy period, then I wouldn't suggest rocking the boat. First off because they would actually be a GOOD employer. Secondly because your kicking off about it will result in them never doing it again - in which case getting sacked would be the best outcome for you, and your colleagues getting hold of you the worst one!

Link to post
Share on other sites

Thanks for the quick replies. Taking all things on board I think it's best that I do leave (sadly no person in the office would mind much if the job did end - moral is that bad, mine being the worst now i think). I actually gave up one job to start this one after believing they were the more supportive, relaxed and decent employer - With better future options. Money was secondary to me for these reasons (They there were paying was less)

 

Just to clarify my performance as an employee (justify myself :-)) : Since being there my workload far exceeds that of 90% of the other staff - I’ve halved the time it takes to process transfers, before then drastically reducing it again even further (more than half again). I didnt really expect anything for this, I just take pride in my work (Although a bonus payment would’ve been nice :-) ) but I really felt put out when instead, without discussion, they sent the email round restricting my hours further, followed then by a suggestion of pushing the targets even further while also adding more parts to how they are processed (triple whammy). All this when I had explained I was maxed out and running at breaking point achieving the earlier stats.

 

So all in all im not looking to kick off and be a difficult employee. Im just really annoyed at their lack of respect and decency for the obviously exceptional work I do! As well as changing what I thought was an agreed working pattern. Put my performance another way - agreed SLA targets are 48hrs and i was getting close achieving them all in 2hrs. Honestly the hour lunch really helped me achieve this as it gave me chance to get away from my desk, get some fresh air, and eat a proper lunch. Unlike now where I have to rush out to grab something nearby before rushing it down (often finishing it at my desk) and starting the processing all again. This has made the job even more stressful and draining - Im now struggling to focus, getting extreme tiredness, losing concentration etc. So this has really had a detrimental effect on me and ironically my performance and figures.

 

So all in all it seems the one thing I can take from this and your responses is that I should just focus my energy on getting a new job, as there is nothing else I can really do. Ultimately I know they would miss me more, than I them :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...