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    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
    • Thank you so much again Andy. I will be donating as soon as able. 
    • I took my car to Nissan Canterbury have some work done (including tracking and wheel alignment).  They took it to a tyre garage for the alignment, and there they could not get the ignition key to work. Nissan had another key made that didn't work, then had the lock taken off and sent to a locksmith who said the insides had disintegrated.  They now want to charge me £350+ for the repair. I have never had so much as a wiggle with the ignition lock, but they say apparently it can just happen at any time and they are not responsible.  All I know is that I took a working car to them, and now it does not work. Any advice on my options?
    • Thanks.   I've seen exhibit cover sheets mentioned on a few other threads - what do they need to include? Is it just a separator page before each exhibit itself with the exhibit number on it? Does it include the "title" of the exhibit too?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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DVLA FINE - NO INSURANCE / APPEAL


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Hi there, I've received a fine from Cheshire accounting division with a fine for nearly £360 saying that last year for the period of 5 weeks before I sold my car it wasn't insured. This is the first letter I've received on the matter, plus I sent a SORN to the DVLA at the time so I've not thought anything about this since. I've since moved house, this letter from the Cheshire and Merseyside collections arrived at my brothers house not even mine! So i'm wanting to appeal this as it's a scam, I sent that letter off and plus the weeks that they are saying it wasn't insured it was also on my driveway not used once. I didn't receive any confirmation that they SORN it (which they obviously didn't) but after a few weeks i'd sold the car and I said didn't think anything off it. Nearly a year later this letter arrives!!

 

Any advice on how to appeal? anyone had this same experience? any help would be much appreciated. 

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GDPR subject access to DVLA might be worthwhile to see what records they have.

 

https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency/about/personal-information-charter

 

Did you keep proof of posting for the SORN, if not sent recorded delivery ?

 

Why did you not register SORN online ? Was there a problem using this ?

 

The problem you have is that if the SORN was not recorded, you had a legal responsibility to keep Insurance on the vehicle. 

https://www.gov.uk/make-a-sorn

 

https://www.gov.uk/vehicle-insurance/uninsured-vehicles

 

Sounds like you were sent Magistrates notice which you did not respond to as sent to old address and now you have a Magistrates court fine. They will now attempt to enforce this, going to your Brothers address, if they don't have your new address. So you might want to contact Magistrates to try to get enforcement put on hold while you try to find out what DVLA did with the SORN.

 

 

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They must have sent letters to my old address, but I had no obligation to update the DVLA on moving house. I didn't and still don't own a car since. I have always sent anything to DVLA via the postal service, and god knows where the proof of postage is as it's nearly a year since and I've moved house.

 

 

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I would never trust DVLA in receiving post and actioning it because online/media reports contain thousands of cases similar to yours. Use online service where available and post as last resort but only by recorded.

 

 

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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