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    • Please bear with me here i shall try and make this short but with all the detail, but i need help ASAP as there is limited time allowed for this process. I have been with my company 4 years and have advanced through the technical ranks to my current position,  we have an annual report which goes from 0-4 and for three years i have never scored lower than a 3. I was promoted to the role i am in now as an area quality assurance lead and the location was for the NE ( i live in the NW) eventually a similar role became available for another role in the NW. I asked my line manager if he minded me applying for it and he had no issues, i applied sat the multi stage interview and was given the role. My role is now classed as "at risk" of redundancy as we are moving from 4 regions to two which means they are also moving from 4 roles to two roles in my position. Two people are considered safe and myself and another at risk, my question is what is the criteria to separate safe from at risk . In the documentation received from my company it is below, i have zero issues and i know cv against cv mine wins, i was even selected by the company as a company mentor because of my experience in engineering and leadership. This is a closed group of maybe ten people and i am the only non senior executive included.    ·         Performance and Behaviour : I have zero behaviour issues, no issues with performance from my current line manager.  ·         Performance Improvement/ Disciplinary Records   : Zero disciplinary's and no performance issues, in fact my line manager on record has said I'm forthcoming ·         End Of Year Rating : Issues explained below Now my line manager was leaving the company and he did tell me "there was some politics involved with you getting that role, the city build manager and head of area build had promised it to their lead engineer (something they had no right to promise as it has to go though the process ) anyway from day 1 it became very clear that i would not be accepted for this reason within their community although i did just try to help them achieve quality and specification as that was my role. After a few weeks it became very apparent as to why the role had been promised to their man, i found issues where properties had been signed off as ready to accept subscribers when they were not ready (for bonus and stat reasons) and several quality issues i discovered which we could remedy and improve our productivity (unfortunately this would highlight that these issues had been there and not dealt with) My new head of area build (part of this trilogy of him, city build manager and lead engineer)  clearly did not want me there (for the reasons stated) but paid lip service, i had highlighted that i needed to walk off some structured with our canter of excellence counterparts ( as this was part of my role to link in with them for national issues) and he responded by saying i am not to walk them off, and that we have sufficient engineers to do that task (by saying this he could make sure that the engineers would take them round to structures that are A not the ones i have highlighted, and B would have very minor issues) This battle went back and forth over the months where i tried my best to build up the relationship with  them, my attitude was ok you have made some mistakes here, but we are all a team and even though you have hidden issues i can help you remedy them and hopefully we can do so and keep them off the radar,  but they just never did, So moving forward to October last year (2023) this is getting near to annual review time, now i had helped the company out massively by working a substantial amount of weekends and nights to fix issues, and i said i would take most of the time as TOIL ( as agreed with by my previous head of area build) this was 30 days. My current head of area build said i needed to put my leave in as it had been flagged as having a large amount. When i did input the leave (it would result in me taking all of December off) he was unhappy with me and was extremely curt in his responses as he could find nothing on the system for my TOIL , i explained the situation, my line manager would ask if i could work the hours, i would, and when i wanted leave he would authorise (we had an good working relationship, he was an excellent manager) he ended up going to HR to ask their advice and a teams call was set up with myself, head of area build and HR, it was confirmed by HR that it was a company error, when you want to input TOIL there should be a dropdown option in the leave menu and one of the options would be TOIL, this had not been setup on mine. So the company authorised the leave explaining that this should have been done and hadn't, i did say that this is the way it had always been and pretty much everyone on my team then operated this way, TOIL had never been discussed and none of had this option available. So i entered my leave from 4th December - 2nd January,  My line manager was an outside contractor and was leaving the company on the 15th December. On my return i found that we had a new head of area build, it would be a temporary position as they were not going to fill the position permanently and he would be covering his role (Scotland) and this role (NW). I contacted him to say that i had not received my end of year report yet and when would this happen as i had not sat with my line manager tor mine. A little over a week later my HoAB and i had a teams call, it was a introduction meeting and end of year report, he said that he had received feedback from the outgoing manager and he had given me a 2 (i have as explained before never scored lower than a 3) he asked hoe long i had been in the current role (just over a year) as this grade can mean you are new to the role and need a little supervision, haven't built up relationships with stakeholders etc. So he explained what my grade and bonus would be and if i had any feedback, i explained that this was unfair, i had proof that i had not met my targets (i say targets as there were never really any set, but going from emails and conversation we have had, and the job description) i had even created Powerpoint presentations which were very complex into how our network works from beginning to end  as there was distinct lack of knowledge here and i am a lead trainer / assessor (this btw he was extremely impressed with) He did say he had spoken to people in the centre of excellence which o believe was the head of operations, and he did look confused as to the disparity in feedback from them and the original manager that wrote my report. I contacted HR to raising my concerns that i had not sat with my line manager to go through my report,  had i had the chance to do so, i could have rebutted anything said as i had proof of my achievements even though he had set no defined targets, i could prove that i had been extremely active in identifying and remedying issues, HR did come back to me and these are their comments  1) "Your rating was submitted by your manager at the time xxx xxxxxx and he should have carried out an EOY review with you. The rating would not have been provided in this review but feedback should have been shared" [this never happened] 2)  Initial ratings where then discussed and reviewed during a calibration process (for your team) this will have included HOABs and RDs. During this session ratings can be challenged and changed. I can confirm that your rating was not changed as a result of this session and it remained at the rating that xxx submitted. 3) xxx did provide thorough feedback to xxx xxx in a handover so if not already done so it may be worth speaking with him to understand that feedback further.   4) In terms of reputation and the concern you share – ratings are not made public and are private to each individual. 5) And this first line obviously is incorrect " As far as i can see this would be the only separator they could have measured me on to separate safe from not safe, and if so the company did not follow its own procedure. My current line manager said " an error had occurred as you had not received the option to  sir with your manager for your review, and the company needs to make sure this error does not happen again) Well then they are admitting there was an issue and it needs remedying not sweeping under the carpet. All of this is documented. To remind the rating of a 2 is not a concerning grade. Please see descriptor below Generally, needs little supervision but does on occasion require direction/supervision. Does not always anticipate changes to the work environment and could adapt more quickly. May be seen as a strong performer in certain situations or by some audiences but may not perform at that level in all situations. May need some development or guidance to carry out some elements of role. May not consistently demonstrate the right behaviours. May have been on Performance Improvement during the year but has since shown strong improvement        
    • Also, what is the value of the dress and have you refunded the purchaser?
    • Simon Case was at the Covid inquiry yesterday. Finally. ‘Eat out to help out’ launched without telling official in charge, Covid inquiry hears | Covid inquiry | The Guardian WWW.THEGUARDIAN.COM Simon Case, who was responsible for Covid policy at time, calls Boris Johnson’s Downing Street the ‘worst governing ever seen’  
    • I think for the moment you will have to wait for the return of the dress to you And then take some decent photographs which will show the damage very clearly. You will have to provide these to parcel to go but also you will need them as evidence for the court if that's the way this matter goes . Let us know when you get the dress and you have the photographs. It would be helpful to see the photographs here. In the meantime I suggest that you start reading as many of the stories on the subforum as you can manage in 2 or 3 days and that means quite a lot. In particular read the pinned posts at the top of the subforum which will explain the principles involved which you will probably have to use if you bring the matter to court. When you have done the reading, when you have received the dress and when you have the photographs then come back here and we can go to the next step      
    • Solid blocks of text are very difficult for people to follow and especially when they are using small screens such as telephones. This discourages people from giving you the kind of help that you need. Please will you make sure that your posts are properly spaced and punctuated in future.  I have done this one for you on this occasion
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Wilko v Nationwide


paulwilko
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Hi All

 

Just got my statements back and done a very quick tally up and it comes to £2220.00

 

Can someone clear up something please.

 

Included in the £2220, is the Overdraft facility interest, am i able to claim for that back.

 

It varies from £1 to £21 per month so adds up to a little sum.

 

I don't mean the exceeding the overdraft charge, just the charge for having the facility.

 

If you can help that would be great then i can start filling out the spreadsheet.

 

Thx

 

Paul

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Believe I'm right in saying you can only claim for any charges for exceeding your overdraft. Not your normal interest charges.

 

Looks a nice round figure anyway.

Go get em.

Hmmm, thats a shame as it ended up being about £500 that i cant claim for. Oh well

 

Thx

 

Paul

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Hi paulwilko,

 

As quoted:

 

Benforlini says..."Believe I'm right in saying you can only claim for any charges for exceeding your overdraft. Not your normal interest charges."...

End quote

 

 

Surely, if the unlawful charges caused, or increased your negative balance then U can claim for those additional interest charges that relate to the unlawful charges, that were imposed as well???

...even if Nationwide were nice enough to allow U an O/D to accommodate their unlawful charges and that U managed to stay within their O/D limits?!

 

Hope this logic gives U food for thought?!

Another LBA can always be sent, with U stating the new figure claimed and pointing out to them the reasoning for your new figure.

Obviously, any time limit U then gave them to settle in full before U proceeded to the Court stage would begin from the date of your new LBA.

 

"Twice measured...Once cut!"

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Hi paulwilko,

 

Have PM'd U a hopefully more simpler explaination!

Okay, I fully understand now.

So you think all the interest i have paid which i consider Authorised, is maybe something i can claim back ? or at least some of it.

 

Okay, I will look into tha

 

Thx

 

Paul

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Hi again paulwilko!

 

In reply to your question about how much interest:

 

Try to work out what other expenditure U may have done to cause U to be O/D...and take this and it's associated interest off the total of your O/D statement balance.

 

i.e. Do another phantom spreadsheet solely for O/D expenditure other than the charges and their associated interest, to find out the interest that U can't claim for, and take the interest amount off the "everything including charges interest" spreadsheet total that U had originally done.

 

Sounds complicated but it isn't...the spreadsheets do the maths for U.

 

It all depends on how U conducted your O/D and for how long U had it, as to what figure U come up with...If your O/D consists mostly of charges and their interest then the figure that U said of £500 could mostly be re-claimed!!!

 

Am NO professional mathematician, so could do with someone more qualified to doublecheck the process, as I understand it and have described above, if I have completely got the wrong end of the stick!

In more easily readable English would help also please?!

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  • 2 weeks later...

Okay, had the first letter back, so now onto the LBA.

 

Should i be sending it as a reply to Richard Huntley, Customer Service Manager at Member Account Servicing, 1st Floor Electra House, Farnsby Street, Swindon, SN2 1SR ?

Or is there a different contact and address for this stage of events ?

 

Thx

 

Paul

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Your LBA needs to be sent to Nationwide's Registered Address @ Pipers Way, Swindon. /quote]

 

Sorry MilkTrayMan I disagree. As the LBA is simply responding to their brush off to Wilko's prelim letter it should be sent to the originator of their response to the prelim.

 

However, experience shows whichever one you chose you'll still end up with another brush off so start preparing your claim. Which should be sent to Pipers Way.

 

Anyway, Happy New Year to you both.

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Your LBA needs to be sent to Nationwide's Registered Address @ Pipers Way, Swindon. /quote]

 

Sorry MilkTrayMan I disagree. As the LBA is simply responding to their brush off to Wilko's prelim letter it should be sent to the originator of their response to the prelim.

 

However, experience shows whichever one you chose you'll still end up with another brush off so start preparing your claim. Which should be sent to Pipers Way.

 

Anyway, Happy New Year to you both.

 

Argh !!! I have sent it to Pipers way now !!

As you say though, it should get to the right person sooner or later !

 

Cheers

 

Paul

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You should still start to prepare your claim. If your claiming contractural interest with S69 'in the alternative' you may have to consider obtaining N1 claim forms (3 copies) from your local County Court as I understand you may not be able to fit your total claim particulars on the MCOL copy.

I am claiming contractual, but what do you mean by "with S69" ?

 

Thx

 

Paul

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S69, I believe, is the courts "statutory interest of 8%" that you can claim.

 

Like you, I am going for contractual (and compounded) at *Nationwide's* rate of 1.870% per month. However, you may wish to offer acceptance of S69 "in the alternative" to the courts. NB you do not offer this to Nationwide.

G.

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S69, I believe, is the courts "statutory interest of 8%" that you can claim.

 

Like you, I am going for contractual (and compounded) at *Nationwide's* rate of 1.870% per month. However, you may wish to offer acceptance of S69 "in the alternative" to the courts. NB you do not offer this to Nationwide.

Why only 1.87%, I am going for the 24.9% which equates 2.075% ??

 

Actually i thought S69 was the 8% but my understanding is that you either do Contractual/Compounded or S69 and not both unless someone tells me different ????

 

Thx

 

Paul

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I am going for 1.870 as that is the unauthorised overdraft rate on my statements.

 

You are correct, it is S69 *or* contractual, you are going for contractual but offering to accept S69 "in the alternative" to the courts.

 

(as I understand it, anyway)

 

I guess it's all about appearing "reasonable" in the court's eyes. Obviously you don't offer both to Nationwide as they would say "hmm, we'll take the cheaper one, please"

  • Haha 1

G.

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Hi Everyone!

I appologise if I appeared to give the wrong address for the LBA to be sent to.

...Was in a rush and it was the 1st address that I came to!...:oops:

Perhaps one of U gentlefolk would like to research and update/post the definitive Nationwide Step-by-Step/Contact Address for others that follow???...only a thought mind!...;)

paulwilko...

To get 2.075 from 24.9%APR is simply to divide 24.9 by 12

This is NOT how Compound Interest works!!!

1.87% is the CORRECT monthly figure as each individual Daily Compounded Total is added into the sum to be compounded the next day etc etc 365 times!

s69 Statutory Interest (@ 8%) is mentioned in the Court Claim Application Stage as "In the Alternative" cos. if the unthinkable happens and Nationwide defends your Claim.

...then successfully argues that U can't claim Daily Compounded Contractual Interest on your Claim and seeks to have the whole Claim struck out.

...U can at least ask the Court to consider awarding S.I. @ 8% In the Alternative...understand now???

 

Methinks a swot up on Daily Compounded Contractual Interest, so as to be able to personally explain your reasoning to a Judge would be useful.

Especially if U inform Nationwide that U will be Claiming the 2.075% Monthly figure!...:confused:

Garu...

EVERYTHING U say in your last post is correct!!!...:)

Benforlini...

Does that make us Fifteen-All???!...rofl... :razz:;)

Hope all this helps?!

Everything stated is only my own personal opinion and shouldn't be take as the Gospel Truth...nor do I intend it to personally offend anyone!

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paulwilko...

To get 2.075 from 24.9%APR is simply to divide 24.9 by 12

This is NOT how Compound Interest works!!!

 

 

Thx for the explanation, but I am not claiming compounded !! Only contractual !!

 

I think i could if need be explain my way thru it if need be !! I am rather hoping I never see a court but I may be the first !! :o

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How are you claiming contractual and not compounded? Depending on daily, monthly, or annually, if there has been more than one unit(in time) of interest, then the following unit has to be the original, plus interest, and then plus interest again for every unit thereafter.

 

They had your money, they were getting interest on it in the first day, and the next, and interest on interest every day until now.

 

RE court, the more I understand it, the more I actually would love to see them in a courtroom.

G.

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How are you claiming contractual and not compounded? Depending on daily, monthly, or annually, if there has been more than one unit(in time) of interest, then the following unit has to be the original, plus interest, and then plus interest again for every unit thereafter.

 

They had your money, they were getting interest on it in the first day, and the next, and interest on interest every day until now.

 

RE court, the more I understand it, the more I actually would love to see them in a courtroom.

I just followed Vampiress's Spreadsheet for contractual !!

 

I assume it is correct. Anyway, the LBA has gone and looking forward to seeing a bit of cash in a few weeks.

 

Feeling confident !!

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