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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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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!
       
       
        • Thanks
    • 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
      • 33 replies

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Good day everyone!

 

I would like some advice regarding changes with the redundancy payment as shown in the Staff Handbook.

 

In the past, our Staff Handbook showed that in the case of redundancies, payment will be calculated on a months salary for each year of service. (Which I have retained a copy of)

 

In the last few weeks, I have reviewed the staff handbook again and it now reads that redundancy payment will be calculated on the statuary minimum, being a weeks pay for every year of service.

 

This has come to a surprise to me and a lot of the other staff I work with. We are all wondering if this change is legal and fair, as it was implemented without our acknowledgment.

 

Brexit is not too far away and we all believe it will have a fundamental effect on the business we work in and therefore we believe redundancies are inevitable.

 

Can someone please advise if we have a leg to stand on or do we just accept that we have to put up and shut up. :-x

 

All comments welcomed!

 

Thanks for reading

 

Mark

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Hello,

 

do you have a union who would have been consulted?

 

Fi

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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So one question then is whether it is contractual. Seems unlikely, but what does your contract say?

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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Unless you find a source reliable enough that can give you the original handbook, nothing you can do.

And even then, if handbook is not mentioned as contractual obligations, it's less valuable than old newspapers.

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Unless you find a source reliable enough that can give you the original handbook, nothing you can do.

And even then, if handbook is not mentioned as contractual obligations, it's less valuable than old newspapers.

 

 

First post says he has a copy which is why I am hoping it's in the contract :)

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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Morning All!

 

Thank you for your replies.

 

The contract says to refer to the handbook regarding redundancies...

 

A handbook which can and has changed over time, with no notice.

 

Seems like there is nothing I can do if we were to be made redundant.

 

Just all seems a little dishonest.

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You are supposed to be notified of such changes but they will argue that putting it up on the intranet or in a handbook is notification. Basically they are burying bad news but it is all legal.

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