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    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.    Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.   The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved.  Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
    • You can use a family's address.   The only caveat is for the final hearing you'd need to be there in person   HOWEVER i'd expect them to pay if its only £200 because costs of attending will be higher than that
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bank holiday time


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its hopefully a quick query

 

recently we have had a communication at work (large company merged recently)

 

previously if we have worked a bank holiday (usually 10 hours) we have been paid time and a half for this and earnt time in leu - this has been 10 hours

 

recently we noticed that the hours for this hadnt been added, after alot of chasing we were told that they were now added at the start of the holiday year.

 

however we have only been granted 7.5 hours per bank holiday, their reasoning for has only just been given to us

 

copied below

 

---

 

To confirm a payroll week runs from Sunday to Saturday and the payroll team will process this accordingly, with this

in mind, certain rota’s will either work three or four days per week.

For the vast majority of our colleagues a full time working week is 37.5 hours per week, which equates to 1,950 hours

over the year (37.5 hours per week x 52 weeks in a year) – regardless of shift pattern. This includes the MyTime rota,

as additional hours worked are given in lieu time.

The standard contract template is 5 over 7, so holiday entitlement is calculated as 7.5 hours x the contractual number

of days entitlement for that colleague.

 

---

 

this would be fine if we WORKED 7.5 hours a bank holiday however we work between 10 and 11 hours on a bank holiday, even worse they have based the hours over a 5/7 contract

 

most of our workplace is on a 4on 4off rota, in my case im on flexible working and my current time is either 3 or 4 days in 7

 

we have asked for explanations but just keep being given the same details as above

 

we have also been told that if we want the days the business is closed off (christmas day etc) then we have to book it off, on asking if that means we have to give the 7.5 hours back we have been told that no we have to use 10/11 hours of holiday time

 

any advice?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Paid holiday is calculated on the number of hours a year you work but normally rationalised into days leave. You need to do your sums as to how may hours you work and how long the average day is and then check your leave entitlement they are saying you have against these figures. If your normal working day is 10 hours then that makes things simple, if you work an 8 hour day but do longer shifts at certain times then the hourly rate should apply.

 

Also, do you get paid on an hourly basis- agreed rate per hour- or as an annual/monthly salary that is then an average of 1/12th of a year.

using their sums they are admitting that there is an inbuilt error so you need to challenge this as a gropup rather than as individuals.

 

They are using days and not hours although they admit that hours are assumed for the working year. Urging will do no good, you need to present your figures and show why they are fairer and how they may keep the company away from a claim against them under the WTD.

 

Unions are good for this sort of collective head slapping of intransigent management. However, they also state that you get TOIL to correct certain errors so again is this what actually happens? if it is the you are starting a fight with yourself

Edited by Andyorch
Paras and typos
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The time in leu is in our contract that if we work a bank holiday we get time and a half and a day in leu

 

If we don't work it as a scheduled day off then we simply get the day in leu

 

Most peoples shifts are either 11.5 hours or 10.5 minus a half hour lunch so 10/11

 

Mine are always 10 hours due to flex time

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Sorry didn't ge time to finish questions

 

Ours is a salaried basis based on year devided by 13

 

I will have a look at their sums and rerun them

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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latest from work below

 

one of our Coordinators, has agreed to take on the job of collating all questions from all colleagues about the holiday issues and has committed to getting answers from as far up the corporate HR ladder as it is necessary to go. This will produce a comprehensive FAQ to help all of us.

 

In the interim, the easiest way to think of the new policy is, if you work 4 on and 4 off you should no longer think of your annual leave in days but think of it in hours. Whatever your shift, 4 on 4 off, 5 over 7, 5 over 8 or whatever combination of hours, your contracted hours are 1950 per year, or 37.5 per week. So, whether you work a bank holiday or have the day off, the only hours to be spent or accrued in the legal sense is 7.5 hours.

 

Yes, those of us who would normally work an 11.5-hour day will be losing out on the 4 hours that we had been receiving previously, but remember that those 4 hours were hours that we were not entitled to.

The company legal team have told us that the changes must happen to ensure compliance with the law.

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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If you are salaried then the actual working day isnt that relevant as long as the working year is correct. If they are saying that a bank holiday only eats up 7.5 hours of your accrued holidy hours then that is good but if they are saying a day off on a BH uses up 11.5 hours because that is your NORMAL working day that is bad and you need to get them to stick to the actual hours used, even if it produces some odd results. Being paid extra for a BH is a bonus if your salary doesnt change in a normal 4 week cycle

 

I never used to gte paid bank holidays when I worked them and others didnt because I got paid £xxk per year and any extra hours were just part of the luxury of having that particular role for which I was paid quite well. You need to look at the overall picture and if you arent losing out (other than TOIL above 1 for 1) in the new scheme it isnt worth arguing over. If you are having to work longer than others or what you did before to keep you normal holiday entitlement then that is worth taking up because the assumptions of the working day may well reduce your annual salary if they start to tinker with the hours even more.

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