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    • pop up on the MCOL website detailed on the claimform. .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked.  click thru to the end  confirm and exit MCOL.  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   ……………...   lots of vcs berekeley claimform threads here use our search top right.   get reading up.    
    • Yes, The Motor Ombudsman. To be honest, I don't know a huge amount about how exactly they operate. It was just the route I was recommended. I've been in touch with one of their board of directors to get more answers about my case, and it was exactly what I'd feared, so am trying to investigate as much as possible myself to find out exactly who can be held financially accountable to either provide them with those details and/or know who to take to court.   Whole story is quite long, but essentially I purchased the vehicle back in January 2018. Within a week faults became apparent - faults that they knew about but said it was just a 'dash light malfunction' and it would be fixed before they handed it over.   Took it back to them to fix once I realised I couldn't drive it in that condition. They had it for a week or two despite calling me a couple times to say it was ready to pick up. Finally got it back and had the same gearbox issues but even worse. Took the car to another garage who estimated damages to be £2500+, so took the car back and requested refund. That kicked off the whole process and of course they denied refund saying I should go through their 'warranty program', which wouldn't cover it all anyways.    I then took it to TMO, who then decided I needed to get another opinion so we went straight to a VW specialist as the car was VW - they estimated min £3000. Resubmitted that to TMO and it's been ongoing.    Received a final decision on 01 Feb 2019 in my favour granting full refund, but I have had no contact or update since then, despite attempting to call and email numerous times.   I've brought my case to the attention of two MPs, however imagine they are extremely busy at the moment given the current climate.   I have then called Citizen's Advice to find out what further steps I can take, and they've recommended small claims court.   I wanted to get all the information from TMO first before I consider/start going down this route so I've reached out via LinkedIn to some of the board of directors for TMO which has been successful and I've actually received an update, although it's what I feared and expected. That said, he assured me they would be meeting about it today to investigate further who can be held accountable/whether they're still trading, etc. I can't trust a speedy investigation given it's been 28 months already so I'm now trying to look into it to find more information.   I gather the parent and registered company is under Crown Motors Direct Limited, which might be owned by Ahmed Al-Waheeb and/or Nadjeem Kheloufi. They do still look to be actively trading locally under Chobham Central Garage. I've been in touch enquiring about a car and asked for Nadjeem, who they said I must mean 'Nathan'.    On companycheck it reckons the below, this is the company linked to director Ahmed Al-Waheeb. Not sure how reliable that information is.   Another interesting link is https://beta.companieshouse.gov.uk/company/09967993/filing-history - confirmation statement was made on 31 Jan 2020, and 17 Jan director Ahmed changed his DOB and address.
    • Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan. Much happened at this time and I ended up moving a lot as well as being technically homeless.   I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.   My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!   I DSAR'd Egg back in 2011 and have the information in the attached PDF. According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr. The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43   Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!   Opinions and advice very welcome!   PDF Doc via Google Drive https://drive.google.com/file/d/1b39Rq3YZm7CdXDl8p_tITqf5aR5fckVp/view?usp=sharing        
    • agreed, you need a wills and probate experienced lawyer, don't try and do it using a self serve will kit, they're not much use at all.
    • When you say TMO, I suppose that you are referring to The Motoring Ombudsman. I don't know very much about them and I don't know whether their decisions can be enforced directly in the County Court. I will have a look. Meanwhile, please can you tell us the whole story of what has happened and the value of this problem. Even with small claims – you can win but you can still have difficulty enforcing the judgement and that could well be the case here. Do they have a premises? Do they have vehicles there? I'm asking this question is because I'm trying to find out if they have assets against which a judgement could be enforced – and I mean assets which wouldn't simply disappear
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mjr001

Wife not paid from work

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My wife handed in her notice and was expecting her last wages on Friday but they have only paid her holiday pay. She was also due 3 weeks ssp which was not paid

 

When she phoned her ex employer they said they would try to pay her by the 15th of this month. 2 and a half weeks later. 

 

Surely this can't be right and is not reasonable to wait this long. There is a likeyhood that she will incur bank charges over this

 

Any advice ?

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Tell them that you need the money now and if they don't pay immediately they will be liable for any bank charges.

Then if you have to use your overdraft and pay something to the bank, bill them.

Do all of this in writing and stay off the phone.

Be wary of anyone telling you that employers can withhold payment.

If what you said is all correct, they cannot for whatever reason.

Edited by king12345

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Give them 14 days in a formal letter to cough up, no email a letter with free proof of postage from the Post Office.

What was the payment frequency Monthly, weekly or some other period?


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by giving them 14 days it gets paid when they said it will, the 15th, surely thats not reasonable ?

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It's just letting them know you haven't forgotten, give, them 7 days if you have been kept on a string, they might start spouting payroll frequency, and other avoiding tactics.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Immediate payment,  non negotiable. 

Failing that they will have to pay for all bank charges.

Let them know in unmistakable words. 

Any bs they tell you about cycling, accounts etc, it's just bs.

Take no crap and stand up for your right to be paid on time.

Little story for you: there was a delayed payment and they said they would pay me next payslip.

Next day i didn't go to work.

They called me and asked what happened. 

I said: "I'll come to work next month. As you can delay payment of my wages, surely I can delay work, correct?"

I was paid same day and nobody ever mentioned that day off I took.

However,  I don't suggest to do the same to anyone,  unless you're a loose cannon.

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what is the usual salary run cycle? if she gets paid monthly then they will pay her at the end of the month after she ahs left so they can tie up all of the loose ends

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2 hours ago, ericsbrother said:

what is the usual salary run cycle? if she gets paid monthly then they will pay her at the end of the month after she ahs left so they can tie up all of the loose ends

She left on the 15th and get a paid last day of the month. They paid her remaining holiday pay but did not pay 3 weeks ssp as she has been ill and off work

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then politey ask if it will be paid in the next salary run and act according to their response.

A common problem is that the accounts peopel dont know that anything different has happened so just punch the same buttons each month

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