Job Descriptions/Tiles and Pay

mercredi 31 décembre 2014

I am hoping someone can give me some advice (and I apologise beforehand that my full stop key has broken so can't end sentences appropriately)



I began work at a company with around 30 staff 3 years ago - I was taken on in a role that has changed beyond recognition over the past 3 years as the company has grown to around 100 employees



Four months ago my job title and description was changed - this was done without staff consultation and we were simply told that the 10 of us with that particular job were now varying degrees of junior/exec/senior of a particular job title and associating job description (the descriptions did in fact now match the roles were were doing, with the exception that of myself and the two other 'senior' employees, I was the only person actually completing all aspects of the role)



Wage brackets for each of these tiers were decided at the time but were not communicated to any of us and discussion of pay is a disciplinary offence - this is due to the fact that rates of pay between people doing the same job are extremely disparate (people talk even though they are not allowed to)



Over the past 4 months people have left and remaining staff have been required to take on their jobs - this is not just more work, this is work that does not appear anywhere in the job description and requires a totally different skill set



When approached about this matter - specifically to point out that workload and responsibilities have increased along with the skill set required to do the job as it now involves completely diffferent components - management have simply said they will have the job descriptions ammended to include all the new skills and responsibilities so they do not have to pay people any more money - I pointed out that I would then be the ONLY person to be doing all of the things on the job spec and was told "some people will do some parts and others will do other parts of the job spec but if everything is on it then everything is covered"


Is this legal? Can an employer just keep adding things to a job description as you develop skills/take on extra responsibility so they can claim it is simply part of your job and not a promotion/different role, to avoid the issue of pay? Especially if the other people with the same job title (and thus job description) are not taking on those tasks or responsibilities?



Thanks for your time :)





Job Descriptions/Tiles and Pay

Cabot

25th November 2013

Cabot Credit Management, a market leading acquirer and manager of consumer debt, stood out from the crowd winning three awards at the seventh annual Debt Collection Awards in Manchester.





Each of the group’s businesses were recognised for their core expertise - Cabot Financial won Debt Purchaser of the Year, Apex Discovery Solutions won Tracing Team of the Year and Apex Credit Management won Consumer DCA of the Year.





According to the 14-strong judging panel, the common factor among all winners was excellence in professional conduct focusing on ethical and fair treatment of individuals in debt. These awards have been set up to praise those who are helping companies and individuals regain control of their finances and ultimately their futures.





Neil Clyne, Group Chief Executive Officer, Cabot Credit Management, commented, “This is a fantastic achievement and demonstrates how each of our businesses are excelling in their own right. The credit has to go to all our 700 staff who continually put in tremendous effort to ensure we reach the highest possible standards.”





Cabot

Goodbye 2014 ….. Happy New Year !!!

Happy New Year to everyone ! We hope you have a nice evening, and we wish you all the very best for the coming year. With regards LegalBeagles – it has been quite a busy year – over the last year we have seen over 2,199,464 visitors to the site, viewing over 5,246,456 pages ….. over 13500 new registrants and more than 107,000 new posts....

Most Popular Threads for the year .....

More...





Goodbye 2014 ….. Happy New Year !!!

Goodbye 2014 …..

Happy New Year to everyone ! We hope you have a nice evening, and we wish you all the very best for the coming year. With regards LegalBeagles – it has been quite a busy year – over the last year we have seen over 2,199,464 visitors to the site, viewing over 5,246,456 pages ….. over 13500 new registrants and more than 107,000 new posts....

Most Popular Threads for the year .....

More...





Goodbye 2014 …..

car voluntary termination

if you want to voluntary terminate your agreement do you need

to pay the next installment of your agreement





car voluntary termination

Parking eye

This is my first post here. Parking eye have sent a £100 parking charge.



The background is that I parked in a pub car park for 23 minutes, just time to have an orange juice, wish friends a happy Christmas and leave. I was under the illusion that as a pub car park it was safe to park there as I was a paying customer and there is a sign which states that the car park is for pub patrons only. I met six friends who can all verify that I parked and was in the pub.



I have never been in this pub before and went back to the pub to enquire about the charge but they didn't sem very helpful.



I have appealed to Parking Eye. The registered owner of the car is my husband and I admitted that I was the driver.....on reading this forum I don't think I should have done that. Have I made a mistake?





Parking eye

Court Claim - CABOT FINANCIAL / EGG - 15-12-2014

Received a claim? Yes

Issue Date: 15-12-2014

Amount approx: 935.26

Claimant: CABOT FINANCIAL

Solicitor: MORTIMER CLARKE

Original Credit: EGG



Particulars of Claim:

by an agreement between opus card ('opus') and the defendant on or around 26/07/2007 ("the agreement") opus agreed to issue the defendant with a credit card upon there terms & conditions set out therein. In breach of the agreement the defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the Claimant on . THE CLAIMANT THEREFORE CLAIMS 935.26



Stat Barred? No



Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request



Other Info:

Egg card was taken out in 2006, sold to OPUS in 2007.



Cabot financial took over the debt, i have made 2 or 3 payments to CABOT in the past, but i can't remember how long ago, maybe 2-3 years ago. I have no record of these so cannot find out exact date unfortunatly.



Today i have asked to defend the case on MCO sent off the CCA request to CABOT & the CPR request to MORTIMER as read to on the forums.



Any help or advice would be appreciated as i have never dealt with anything like this before.



Many thanks and Hello all.



Scott





Court Claim - CABOT FINANCIAL / EGG - 15-12-2014

A very Happy New Year to all Beagles :)





A very Happy New Year to all Beagles :)

Court Claim - Lowell Portfolio 1 Ltd / Vanquis Bank Ltd - 5-12-2014

Received a claim? Yes

Issue Date: 5-12-2014

Amount approx: 800

Claimant: Lowell Portfolio 1 Ltd

Solicitor: BW Legal

Original Credit: Vanquis Bank Ltd



Particulars of Claim:

The Claimant's Claim is for the sum of 800.00 being monies due from the defendant to the claimant under a financial services agreement regulated by the consumer credit act 1974 between the defendant and Vanquis Bank Limited under account reference xxxxxxxx and assigned to the claimant on 9/04/14 notice of which has been given to the defendant.



The defendant failed to maintain the contractural payment under the terms of the agreement and a default notice has been served and not complied with.



The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of 0.15 from the date of assignment of the agreement to 30/11/2014 being an amount of 35.40.




Stat Barred? No



Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request



Other Info:

Claim received 8th December 2014.



AOS filed online on the 16th December 2014.



CCA request sent to lowells 16th December 2014 (not sent recorded)



CPR 31.14 sent to BW legal 16th December 2014 (not sent recorded)



No response from Lowells or BW legal, defence needs to be filed on or before 7th January what should I be doing?



Many Thanks in advance.





Court Claim - Lowell Portfolio 1 Ltd / Vanquis Bank Ltd - 5-12-2014

FCA WARNING: Wade and Wiley Consultancy

We have published this statement to warn investors against dealing with unauthorised firms.





http://www.fca.org.uk/news/warnings/...ey-consultancy





FCA WARNING: Wade and Wiley Consultancy

Allied International

I keep getting calls and if i dont answer,letters from these people,just recently about a debt from 1998, i only answered once and told them the debt was statute barred

It is almost every day,i told them that time not to ring again, there was a lull for a while but now ringing again, i have barred them from my landline,but they just use another no, cant bar on my mobile phone,so i just ignore, anything i can do help please, its stressing me out





Allied International

Spring Personal Loan (Secured) Court Order - Enforcement

I have a bit of a challenge with Spring Finance AKA Spring Personal Loans.

They "gave" a loan of £11,800 secured on my house in 2007. My sister was very ill with a brain tumour then she died so I did not pay this enough attention at the time. They got a court order for the debt. 18 months ago. I have been paying £300 per month. So far I have paid them over £20,000 which includes vast amounts of legal costs and charges. Then in July 2014 they sent me a letter saying I now owe them an ADDITIONAL £20,000 but they would discount it to £15,000 as a good will gesture and that I could continue to pay at £300!!! They sent me a document to sign which I have not signed. It seems they are trying to get me into a NEW contract for this additional amount. I was SHOCKED!! I sent a SAR. They sent me documents. I have sent them requests for proof that I owe this money. All they have sent are statements. I DO NOT BELIEVE I OWE THEM ANY MONEY. They are thieves and pirates. But their trump card is this court order they have and they are threatening me with enforcement.

I sent them 3 conditional acceptance letters and an Estoppel notice because they did not send me the documents I wanted. The copy of the contract is not signed by either of their 2 directors as required by the Companies Act. And I want to challenge the validity of the contract. I also sent them a fee schedule and told them if they continue to contact me, demand money with menaces and harass me it will cost them £30,000. I have today sent them an invoice for the £30,000 and a Statutory Declaration. Payment is due on 10 January 2015.

I am setting up the position for a set-off if it comes to court again.

My question for today is

1. Can they enforce the "old" order for this new amount -it was 18 months ago - for a different sum. They did not enforce it at the time. But I was paying £300 per month.

2. Should I take pre-emptive action by making an application to the court to set aside the order?

3. Should I issue a claim for my £30,000

4. I believe the contract is void as it is not properly executed by a director as required by the Companies Act. There is just a squiggle.

Any assistance would be greatly appreciated. I have 2 children and I know their next move will me to send bailiffs and intimidate us and try to re-possess the property. I need to take pre-emptive action.

Thank you





Spring Personal Loan (Secured) Court Order - Enforcement

Hello everyone

Hi everyone

I've read a lot of the posts on here and I want to first acknowledge you all and say thank you for being available to help people who are in need. This is a great site full of generous, giving people.





Hello everyone

Claim form received from Drydens re: Cabot- original creditor JD Williams

mardi 30 décembre 2014

I am sending acknowledgement of service today also request copy of credit agreement via a CCA to Drydens - anything else imminently I need to do?





Claim form received from Drydens re: Cabot- original creditor JD Williams

MOTORHOME SCAM ON EBAY : Fiat Ducato Swift Royale 620 "T915JGA" FRAUD "T915 JGA" 30-D

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Hacked eBay account : namoauk2014 (12 )









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If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.





MOTORHOME SCAM ON EBAY : Fiat Ducato Swift Royale 620 "T915JGA" FRAUD "T915 JGA" 30-D

being led a merry dance

Hi, don't know if anybody can help, basically I find myself in dispute with another party, who wishes to sue me for a very large amount of money, Although we have sought legal advice on this , our wish is 'damage limitation', as we suspect the other party has got Mental health issues, and therefore we have no hope in retrieving any of our costs. The other party is representing themselves, and it shows, as to date they have amended their claim three times, they never follow any directions, or timeframes, yet the court seems to have shown extreme amounts of leniency. Obviously as the other party, we then have to try to contend with this nonsense, The latest addition to this list is that we have received a application from the claimant to the court, with regards amending the claim yet again. (N244) I wish to oppose this, as the defendant ,I believe the whole process is a complete and utter waste of everyone's time, I have already submitted a number of defences to contend with these 'amendments' and strongly feel that these amendment highlight the futility of the claimant's action against me. Can anyone advise me as to the best way to oppose this application, and whether I am right in thinking I also need to submit a N244 in order to do this. Thanks





being led a merry dance

CT court order but no idea why

Hi all,



last year and the year before we had some council tax problems. Last years was paid and the year before had a payment plan that we stuck to and the debt was cleared a couple of weeks ago.



last week my online payslip showed 'Court Order, £162.70. No one is in work payroll dept until the new year. My paper payslip had a message in it, "CTO_POST_APRIL_2007 Ref: (NUMBER) (£1097.17) Remaining :934.47 Paid to date: 162.70. " This is the first idea of what it was. A call to my local CT o ffice was no use as there systems were down and we have to phone tomorrow.



We have not received any communication about any debt from any year except to the two satisfied debts. We are up to date on this years payments and have received no communication whatsoever about this.



we cant afford £162.70 per month, if we eat alternate days so our kids can eat it will still cause problems.



what can we do? It seems the payslip message refers to a CT bill from 2007, i didnt move to the area until 2009. My wife was here but all bills are paid and nothing comes out of her wages.



please help.





CT court order but no idea why

Too late for help? CCJ defence - Statute barred

Hi all





I'm desperate for a bit of help, i've received a county court claim form that I am trying to dispute but I'm rapidly running out of time!





Basically I believe the debt to be statute barred, the particulars of the claim suggest the unsecured loan was in default "on or about the Dec 05 2008", the date on the money claim form is the Dec 02 2014, so just under 6 years according to the claim.





However, i'm convinced it has gone over 6 years! I was away when I received the paperwork but just about got in on time to extend to 28 days (Today!)





I have sent them the following letter recorded delivery on the 16/12 however haven't received a reply:






Quote:




Without prejudice

Dear Sir/Madam

Account No:***

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5:

“An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

I would point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules:

"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed.

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I look forward to hearing from you

Yours Faithfully





The letter was a template sent to me by the national debt helpline, they advised me to speak to the CAB but I haven't been able to get in touch with anyone from here as of yet.





I'm at a bit of a loss now on what to do! I can't find any help anywhere on what to write on my defence and I don't have much time left, any advice on what to write or if there are any services I can phone to get some help would be greatly received.





Thanks





Chris





Too late for help? CCJ defence - Statute barred

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Some unfortunate cases where a girl/husband/wife is hypnotized or his/her original thoughts are changed by any negative hypnotism,

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FCA WARNING: Stanley Hudson

We have published this statement to warn investors against dealing with unauthorised firms.





http://www.fca.org.uk/news/warnings/stanley-hudson





FCA WARNING: Stanley Hudson

My boss is not paying me

Hello everyone,

I have a problem about my monthly salary and I'd need a suggestion. I'll be concise so please feel free to ask for further information.





Basically, I work for a small company and I have a full-time contract. I should be paid the last Friday of every month but is almost two month that I didn't got my salary. I talked with my boss about that and he told me that the reason why he's not paying me is because our clients are not paying for the work we've done. I don't even know if this is legal or not, I'd like to be sure about that.





I need to be paid as soon as possible and I don't know what to do.

Thank you for your help





My boss is not paying me

LTD v PAYE

Not an employment law issue as such but I didn't know where else to put it.



If a job advertises it's hourly pay rate as "£8 an hour PAYE or £10 an hour Ltd" what does this mean and what is the difference and why would you get paid more for being LTD rather than PAYE?





LTD v PAYE

Cabot/Morimer Clarke - claim now statute barred

Hello there I hope you can give me some advice. A claim was made against me on 6/08/2014 by Mortimer Clarke/Cabot in relation to a Vanquis account. It was my belief that this debt was statute barred and informed them of so and filed my defence to this affect. The claim was stayed and was told no further action would be taken as they were waiting for documentation from their client to prove otherwise. I have received a letter from Mortimer Clarke today stating that the last payment made towards this debt was on 31/10/14 and therefore as the claim was issued against me on the 6/08/14 the debt is not statute barred and are entitled to enforce the debt. As the debt is now statute barred are they able to enforce it given the original claim was issued on 6/08/14? Please can you advise on what I should do!! Many thanks





Cabot/Morimer Clarke - claim now statute barred

New Year banking tips to improve your 2015 finances

Ahead of the New Year, the BBA have put together a “must do” list of banking tips to keep your finances in good health in 2015. A BBA spokesman said: “Sometimes even the most disciplined of us enter the New Year with a financial hangover, but the beginning of 2015 is a great opportunity to […]



More...





New Year banking tips to improve your 2015 finances

Capquest advice needed.

Hi,



Years ago i got into quite a bit of debt (7-8 years ago) due to personal circumstances, i have been slowly paying it back and now have a spotless credit history etc ... however recently i applied for a mortgage which was fine. However during sale of our property it transpires that there is a charging order registered against it due a CCJ from 2007. The CCJ and subsequent charging order was registered by Capquest who have NEVER been in contact regarding this debt in over six years. I have never entered into any payment arrangement with them, however i did have another debt with them that I mistakenly thought was this CCJ and have settled this in the past year.



Now after talking to them they have sent me a letter saying that i need to pay around 7K to settle this debt confusingly they have also written to my solicitors telling them that i need to pay around 11.5K and that they will be charging interest @ £1.66 per day , i am assuming the additional amount is interest for 6 years .



I am not trying to get out of what I owe and need a speedy resolution to this given the property transaction i am about to make (in about 30 days) need to get this resolved. I am basically looking for advice on how to proceed given the different amounts quoted and also whether there is anything i should be doing here ...


DarkZark.





Capquest advice needed.

Hi there all of you good people. I am new on the forum and do need your help.

I had a capital one credit card and fell on hard times in 2010 after i had lost my job. I had never defaulted on my payments before then, interest accrued and could not afford to pay, let alone even my rent. I approached them to hold the debt, stop the interest payments on it so that it does not spiral out of control. At the time it was £1881, it was subsequently passed it on to various DMC and has now ended up with Lowell Financial Limited. I have just recieved Order for Production of statement of means. i can fill this one and send it back. My current circumstances is that i still unemployed, have exhausted all my savings, have applied to various roles and i have 3 interviews lined up already. I am willing to pay and will pay as soon as i start work. I am currently being assisted by relatives for daily survival.



My question is - what next? Should i send an additional letter to court giving them all my circumstances on top of the statement?





Hi there all of you good people. I am new on the forum and do need your help.

First Plus and mis-selling of mortgage

Hi everyone I am new to the forum and I was hoping someone would be able to advise me on the second mortgages with First Plus. I haven't seen anything datied recent and would like to know what is happening concerning the below:



* Could the interest rates charged by Firstplus Barclays be potentially looked at as a misselling of a mortgage?

* What about the reducing interest rates and when Bank of England rates went down the First Plus interest rates went up?

* APR calculations based on a monthly basis rather than on an annual basis which has been 12 x times the cost of a normal loan

* Guaranteeing the total loan could be cleared in five years and our reason for buying the loan in the first place



Thanks





First Plus and mis-selling of mortgage

EBAY MOTORHOME SCAM - Fiat Ducato Swift Royale 620 - "T915JGA" FRAUD "T915 JGA" 30-DE

lundi 29 décembre 2014

PLEASE BE #SCAMAWARE - READ THIS -->

















http://www.ebay.co.uk/itm/331430057095




Hacked eBay Account :namoauk2014 (12 )







"Location" : Basford, Nottinghamshire




*




Here's the same MH in a different location (also a scam)






LINK







*




Here's the same MH in another different location (also a scam)









*




Here's the same MH in Tyne & Wear again (also a scam)






LINK









*





Typical price for this vehicle based on age, mileage and described condition : £8500





(as of Dec 2014)







*







Posted by cyber-criminals on 30-DEC-14 at 05:05













Reported by Buster Jack on 30-DEC-14 at 06:01







*














Total eBay Vehicle Scams for December 2014 : 1090




















Total to date since April 2013 : 15,210




















*



























VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £76 million / US$118 million





*



Daily average over 618 days: £123,000 / US$191,000

























(as of 26-DEC-14)




























*










05:05

06:01










*



See more - follow to see listing...



If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.



If you have found this post and it has helped prevent you becoming a victim of a scam or has even made you investigate further when researching potential purchases online - please register on the site and let us know.



If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.





EBAY MOTORHOME SCAM - Fiat Ducato Swift Royale 620 - "T915JGA" FRAUD "T915 JGA" 30-DE

Long Term Sick Concerns

Hello,

I have been on long-term sick for the majority of the year and I am concerned that if my company wish to dismiss me, which in future they may, dependant on how long my recovery process takes, that they could take it upon themselves to dismiss me for gross misconduct.



I'm not sure I've got this right, but I was given a first warning back in June time, I think. This was for an incident on Face Book and I said I was not culpable, but they went ahead anyway.



My concern is that if I was to attend a disciplinary for dismissal, that a gross misconduct charge might be the result, but the thing is, surely being on long term sick is not grounds for gross misconduct? It would have to be something of an extremely serious nature and my situation is totally different, surely?



I have requested a meeting with work and am due to see my General Practitioner on Friday, all being well, to see where I stand in terms of recovery progress.



Thanks for your advice.





Long Term Sick Concerns

Motorhome scam on ebay 1997 fiat ducato autotrail cheyenne 584 "r16lcg" fraud "r16 lc

PLEASE BE #SCAMAWARE - READ THIS -->

















http://www.ebay.co.uk/itm/151532414362




Hacked eBay account : chris123_2013 (4 )







*










Source (a link to the original eBay listing)















*




The Original eBay listing












*






Posted by cyber-criminals on 29-DEC-14 at 15:59











Reported by Buster Jack on 29-DEC-14 at 17:54







*














Total eBay Vehicle Scams for December 2014 : 1089




















Total to date since April 2013 : 15,209




















*



























VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £76 million / US$118 million





*



Daily average over 618 days: £123,000 / US$191,000

























(as of 26-DEC-14)




























*



















See more - follow to see listing...



If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.



If you have found this post and it has helped prevent you becoming a victim of a scam or has even made you investigate further when researching potential purchases online - please register on the site and let us know.



If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.





Motorhome scam on ebay 1997 fiat ducato autotrail cheyenne 584 "r16lcg" fraud "r16 lc

speeding and failing to identify driver

a double whammy ! ADVICE GIVEN that prosecution usually drop the failing to ID if u accept the speeding ??

Also any good reviews on the online motoring law websites - when they draft your mitigation letters..

do they work?





speeding and failing to identify driver

RIP Debbie Purdy





RIP Debbie Purdy

Advice Needed

I have been working for 4 years without breaks and my employer don't pay for it but they deduct 0.5 hrs for breaks from my wages. Also, they stopped paying my overtimes even though i am working an average 1.5 hrs over my contracted hours. i spoke to my supervisor he told me the company don't pay for over times at the unit he was working for. We have a time sheet to sign in and out i have copies of all the sheets, i have had no issues with my over time until this new guy was employed. I spoke to the unit manager but seems he is not going to cooperate. They did not pay for my over time last month and from the look of things they are not going to pay for it this month. I sent an sms to my supervisor to make sure they pay my over time this month and told him to take it seriously. Waiting for tomorrow, payday.

What should i do next?





Advice Needed

SB debt and credit fille

more advice please! Lowell chasing me for a statute barred debt and now claiming I made a one off £1 payment December 2009. nothing on my credit report regarding this alleged account





SB debt and credit fille

House repossession from a Bank charge over the house from a Business Overdraft

Hi, this is my first post with reference to the above header. Which is the best forum to post my 'issues' please.



Thank you





House repossession from a Bank charge over the house from a Business Overdraft

critical illness insurance

I have just found out that I have 2 critical illness insurances with HSBC dating back to 1995. I am somewhat confussed as I thought I just had one but have now discovered that I have one attached to my endowment morgage as well as one as part of the HSBC survival plan (back in 1995 it was midlands) I believe that I have been missold one of these surley it would have been mnore sense to have had an income protection plan as part of the survivial plan why would I have 2 critical illness insurances?



Can anyone advise please





critical illness insurance

Cost of childcare cancels out pay for one in 10 working families | Money | The Guardi

Thousands of parents are in effect working for zero pay, such is the high cost of childcare services in the UK, new research has revealed. One in 10 working families with young children has an earner who brings home nothing after commuting, childcare and other work-associated expenses, according to a biannual report into family finances […]



More...





Cost of childcare cancels out pay for one in 10 working families | Money | The Guardi

SCAM ON EBAY Fiat Ducato Swift Sundance 590 RL Motorhome "NX07HZC" FRAUD "NX07 HZC" 2

PLEASE BE #SCAMAWARE - READ THIS -->















http://www.ebay.co.uk/itm/321628031587









Hacked eBay account : d_manning999 (338 )





"Location" - Cornwall









*









Copied and pasted from this LIVE advert on the website of a dealer in Scotland







http://www.mccuddymotors.com/used-cars-vans/









*

























*



Posted by cyber-criminals on 28-DEC-14 at 23:15











Reported by Buster Jack on 29-DEC-14 at 15:54







*














Total eBay Vehicle Scams for December 2014 : 1088




















Total to date since April 2013 : 15,208




















*



























VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £76 million / US$118 million





*



Daily average over 618 days: £123,000 / US$191,000

























(as of 26-DEC-14)


























*






28-Dec 23:10

29-Dec 15:54









*



See more - follow to see listing...



If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.



If you have found this post and it has helped prevent you becoming a victim of a scam or has even made you investigate further when researching potential purchases online - please register on the site and let us know.



If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.





SCAM ON EBAY Fiat Ducato Swift Sundance 590 RL Motorhome "NX07HZC" FRAUD "NX07 HZC" 2

Cabot Financial and old egg loan-CCJ Being sought

Hello Everyone

I really need some advice, I recently received a claim, listing me as the defendant from Cabot. I have 14 days to respond and am already a few days in. They bought a debt of mine from egg,which was a loan-it was then sold off and they bought it from a third party. I was actually paying the third party up until April last year and then due to my finances I stopped. I did speak to the correspondence company that Cabot are using and was advised to fill out the Court Forms within 14 days. My major problem is if I accept the CCJ, I will become unemployable. I am just about to get a job as a part-time Account Assistant, so they will check my credit and I am doing a part-time degree in Law (just started,so have just done my first term!), So a CCJ will really stop me in my tracks. I do not have the money to pay them off. What should I do? From my research I think I have to options, accept and write a cover letter and hope they do not go for a CCJ. Which appears unlikely.

Or next option is to defend myself, ask for the CCA, send £1 and also ask for a SAR,send £10. Buy myself a little bit of time-But because I paid towards the debt in April last year-lose and then have extra costs against me.

The final option which I do not understand but have read about is the 'Tomlin Order'-not sure if it would apply to my case or how to go about it, so it could apply to my case.

The original loan was taken out 2003-I think.

Any thoughts or ideas would be greatly appreciated, panicking as expected, so don't want to ignore.

Thank you for taking the time to read my post in advance.

Sara77





Cabot Financial and old egg loan-CCJ Being sought

Court Claim - MKDP LLP / HSBC - 11-4-2014

Received a claim? Yes

Issue Date: 11-4-2014

Amount approx: 5,500

Claimant: MKDP LLP

Solicitor:

Original Credit: HSBC



Particulars of Claim:

The Claimant claims the sum of 5,XXX.XX being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 08/12/2011.

The Defendant(s)' account number was 404782/82202506. It was a term of the bank account that any debt balance would be repayable in full on demand. The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank Plc.

The Claimant claims the sum of 5,XXX.XX and costs.

The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction.




Stat Barred? No



Have sent: Acknowledged the Claim, Sent a CPR 31.14 request



Other Info:

1. I filed a defence with the Money Claims Centre



2. The case was allocated to the Small Claims Track at my local Count Court



3. The Claimant has not responded to my CPR 31.14 request



4. There was a preliminary hearing on 2nd December. The judge was highly complimentary of my handling of the case to date As a result of the hearing the Judge issued a Court Order dated 2nd December 2014 asking the Claimant to send to defendant, by 4 pm on 16th December 2014, the following:



a) Copies of relevant documents to include but not limited to, evidence of transfer Assignment the debt and copies of notices in respect of that which were sent to the Defendant



The Judge said he was mindful of the difficulty I would have seeking advice over the Christmas period hence the 2 week deadline. He also warned that if the Claimant did produce the evidence requetsted I would be unlikely to have a defence.



The Claimant's solicitor (a local brought in - it seems - at the last minute) tried to discuss the case with me in the waiting room in front of other people before the hearing. He also attempted to get me to pay him the claimed amount there and then. I kept telling me i should not be scared....



5. On 22nd December I received a package from the Claimant dated 19th December 2014 the contents of which were stated to be the Final Demand. Application Form and Terms and Conditions.



The Application Form is mostly illegible and does not include:

a) A heading

b) The borrower’s address

c) Financial information

As such I believe this form is unenforceable as an agreement as laid down in section 61(1) of the Consumer Credit Act 1974.



The Final Demand is just that and does not appear to be a default notice.



The package also included (though not stated in the cover letter) a letter supposedly from HSBC to me stating that the debt had been assigned to MKDP. The letter had no letterhaed (I was warned by the Judge that this would be the case) and was not signed.



6. On 29th December I got through (finally) to the court. I was told that they had received documents from the Claimant on 23rd December. I informed them that the Claimant had sent me documents and that the cover letter was dated the 19th and they were therefore late. The lady told me that if I wished to raise this i should do so in writing.



7. Attempts to contact a solictor or CAB in the past week have been fruitless.



8. I need advice please on:



a) How I should deal with the failure of the Claimant to comply with the order in terms of lateness and (perhaps) content. Do I have grounds to ask for a strike out and/or more time?

b) Whether it worth is me pursuing my defence. Now that I have seen some of the Claimant's evidence I see that the Claimant has provided a copy of a potentially unenforceable agreement. Also, I only have the 'copy' letter of assignment to show that the Claimant has any right to ask me for money.



9. It may be irrelevant but when I received the final demand from HSBC I was still paying them 160 per month as agreed and had already paid over 2 grand off the debt.



10. A couple of days ago i recieved a statement from MKDP (a first) and it included Legal Fees of £160. How can they say I owe them legal fees when they haven't (yet...) won their claim?





Court Claim - MKDP LLP / HSBC - 11-4-2014

Court claim from Cabot finance

Hi guys I have received a claim from Cabot finance regarding a catalogue I had years ago. The particulars of claim state April 2007 I have not made a payment or anything on this account for over 6 years. I have sent off the acknowledgement of service form today and will b sending off the cca request to Cabot and and another to Reston solicitors who are also named on the claim. The date of issue is 22/12/14 can u please tell me when my 28 days ends. Also is there anything else I need to do at the mo. Thanks in advance for you help.





Court claim from Cabot finance

Cabot financial and restons solicitors

Hi I'm a newbie on here,came across you when looking for information after I received court papers from restons solicitors acting for Cabot on December 23 .

I received a letter from Restons on 28 November saying they were instructed by Cabot financial to seek immediate payment for £782 .

i sent of a cca to them on 12 December and received a letter back on 19 December saying that basically they won't cominicate unless I sign all documents and then the court action on 23 December.



i have read the court section on here , I presume my first step is to acknowledge the claim and ask for more time,is this best done online or via mail ?



Any advice on this would be very muched appreciated ,I'm very stressed out about this !!!!





Cabot financial and restons solicitors

Court Claim - Cabot / Vanquis - 22-12-2014

Received a claim? Yes

Issue Date: 22-12-2014

Amount approx: 782.14

Claimant: Cabot

Solicitor: Restons solicitors ltd

Original Credit: Vanquis



Particulars of Claim:

The claimant claims payment of overdue balance due from the defendants under a contract between the defendants and vanquis

Dated on or about January 2009 and assigned to the claimant on August 26 2011 in the sum of 782.14

Particulars ac no 4023962109284972

Date Item Value



28/11/2014 default balance. 782.14

Post refrl Cr nil




Stat Barred? No



Have sent:



Other Info:

Looking for information on how to deal with this court action,I haven't made a payment since September 2009 ,and haven't aqnowledged/admitted the debt

Tried contacting citizens advice but they are closed until 5 January.i came across your site and there was lots of useful advice on here.

Regards

Mandy





Court Claim - Cabot / Vanquis - 22-12-2014

CCJ whilst Living Abroad

dimanche 28 décembre 2014

Hi all could do with some help. I have been issued with a CCJ for GBP11k by BW Legal and I am living abroad. I have been living abroad since the year 2009 and suddenly out of the blues I have received a CCJ at my UK address just over the period in 2014. I am not sure if this case could be statute barred but I would like to contest this CCJ. I do own a property in the UK and it is currently being rented out. I cannot afford to pay this debt or any other debts due to present market conditions. Is it correct in believing that a CCJ cannot be issued to a person who is a non-resident and that I can get it set aside? What do I do should I write to the courts explaining this?



Please advise



Thanks





CCJ whilst Living Abroad