Hello DX, As always, thank you kindly.

Hello DX, Thank you. The card is "closed", no charges or interest being applied since 2011. I have made an arrangement with them to pay the balance off on a monthly basis. Their interest varied from 21.9% to 25%. I think I now need to write down the different rates of interest for the different periods from the statements. Is it then better to do separate excel sheets for the period with different rates when the card was "live", then putting the totals in on a separate sheet from when the card has been "dormant" to get a ball-park figure? Just thinking out loud, on the "live" account sheet, the "Claim Date" is the date the interest stopped being applied on the account. On the "Dormant" account sheet, the claim date is today, interest charge needs to be input as 8%? Thank you again DX

Hello DX, Now I am really confused . . . . I haven't been given a calculation sheet by you . . . . I have attached the completed sheet

Sorry, I thought you wanted to see the calculation sheet I was using. Can I send it to you privately please?

Hello DX, Thank you - I have attached the spreadsheet that I am using.

Unfortunately, I have now been dealing with Opus for over 6 months and seem to be getting nowhere fast. Opus offered me the PPI premiums and Interest going back six years. I provided Opus with statements going back to when the account was opened and they claim that they have "recalculated" the figures and increased their offer by approximately £300. According to the calculation sheets that I have used, I calculate that they owe me nearly double the amount of the figures that they have provided. I have written to them 3 times asking for a breakdown of their calculation but they won't provide this to me. I keep being told to write in and requesting what I have already requested before. Unfortunately, Opus "Customer Services" won't put me directly through to the PPI Department. I am now having a breakdown of my own and need some advice/help please. Would someone be able to check the calculation sheet for me please? I am now not even sure I am using the right calculation sheet.

Hello Dx, Yes, it appears so. Ombudsman or the court route? I have the few letters that I posted originally that show collection charges but don't know how many other charges were added on.

Hello all, An update, I received the reply to my SAR, just the amended statement that I stated above. None of the documents that I had scanned originally, no default notices, no assignments of debt notice to the'collection'agency. I think welcome have only sent what they want to send. How can I now prove that the penalty charges were more than they are now actually stating? On the statements sent it is saying penalty charges of £45 odd, not the figures that are scanned in the original statements above.

Hello B, Have you been suspended? If not, have a look at the disciplinary policies on your intranet, if you have been suspended, contact HR and ask them to email the policies to you. When I have dealt with investigations, you are allowed to take a rep or a work colleague in with you. Some 'managers' don't know half of their own policies and procedures!! As for short notice, you are legally allowed to ask for an adjournment so you can seek advice. You have to be given notice for the meeting, they can't just call it when they want. Have a look at the policies and this will set out the notice period that you should be given. As you are the only one who is going through this as far as you know, I would just go in and say what has happened, just because others were involved does not make a wrong a right, not saying you were wrong but just deal with your meeting for now. You obviously will have to state that you did not instigate the conversation. Can you try and contact a rep and ask them that you want to join but when can they be available to represent you. You might not be able to get proper legal advice through the union as you have to be a member for a specific time before you become entitled but they should not refuse to give you advice. Good luck

Not sure if I inadvertently clicked on report a post there with this touchscreen : (

You might be right to say look elsewhere. Most employees will sign their rights away for fear of being made redundant/jobless, those that don't sign are effectively classed as trouble makers and divide and rule will come into play. One way or another they will manage out those with preferential terms and conditions

Maybe Stuggling can clarify if the changes outlined were agreed. I wonder if prior to the transfer the new employer did outline the changes. How many employees were transferred and are they all affected? The hours worked and being paid as 'expenses' shows they might be avoiding the working time directive!!

Hello squaddie, I have dealt with companies where there is a marked disparity in hours and pay but the employees that have been 'taken over' have not signed any new contracts or variations so their pay should not be cut without their agreement. I would be asking the company why they have chosen to cut pay without any consultation

I would advise lodging a group grievance/complaint so the employer sits up and takes notice that they are dealing with a group of people rather than one single person. I would also point out for their benefit what the contract states. Are they members of a union?

If a lot of people were TUPE'd there is likely to be a 'collective agreement' on the terms and conditions. Has your partner asked questions of the employer? What was their response? Unfortunately, TUPE is as long as it is short. Some employers I have dealt with take over companies then set about changing TUPE due to 'business and economic' reasons within days. What does your partners contract say? Are you sure just a variation of pay date was signed and not other things as well?

Hello stuggling, Under TUPE the new employer should honour the previous terms and agreements but TUPE only lasts for as long as the new employer wants it to last! They can and some threaten to cut jobs as soon as they take over and get the employees to sign new contracts and agreements! Did your partner sign any paperwork agreeing to any changes?

Hello plaistow, First and foremost, I would never attend any meeting without a rep or a work colleague. I am a rep and always advise against attending meetings alone, things do get misconstrued. You mention capability, that can be a long process, were you ever put on a work performance plan or given a period whereby you had to 'manage' your sickness or work? You have mentioned 9 weeks pay, is that in lieu of notice? That sounds like your notice period, not you being retired on medical grounds! Are you in your work pension scheme? There are lots of questions that come into my mind. You have a lot of mitigating circumstances. Have you been referred to occupational health by your employer? Did you have return to work interviews and was the way forward agreed? Did you follow the councils absence procedures and advise them that you were signed off by your doctor or did you just go awol? Have you signed your post off with your real name? Please remove it or maybe admin can edit it??

An inspiration to me in such a short space of time that I have been here. May God Rest Your Soul in eternal peace. Amen

Hello Rowan, I understand your stance. I am just 'starting out' on this so am rather naive in the ways of the financial institutions as you might gather if you have seen my threads. I hope that things get resolved for you. Best wishes OF

Or shall I just wait until after the 40 days and lodge a claim at court saying they have failed to comply fully with my SAR request?

Hello Dx, Thank you. Sorry bit lost with all this hence all the questions. I will draft a letter with the items that are missing from the SAR and send to them. Can I post here so you can give it the once over please? As regards the agreements I think there was a line in the SAR letter regarding the agreement but will double check. There is a loan as well and my belief is all of the paperwork relating to that should have been provided with the SAR as the letter states all records relating to me?

Anyone? Should I sent a SAR to Citi? Am I right in thinking citi do have statements going back more than 6 years? I know the SAR says if the paperwork has been 'disposed' off then proof should be provided.

Hello All, Response to SAR received today. They have only given the credit card statements to January 2006. There is no CCA, No 'reconstituted' agreement or any other agreement, they have given me the current terms and conditions. They have stated on the letter that the 'agreement' is enforceable!! I know I did not sign an agreement for the credit card, it was issued on the'back of a loan' I applied for. There is also no letter stating the debt is now assigned to Opus! I have seen on the other threads that Citi have provided statements going back to 2002, in order to 'prove' that they have records going back more than 6 years, do I need to provide case histories? Or is it up to them to prove they don't have it? I will scan the important letters tomorrow and post them here.

Hello Dx, Sorry, being too eager here methinks. Hope you are doing well.

Hello All, I have today received two statements in respect of the loans that I have/had with this company. I am assuming that this is in respect of a SAR request that I sent to them. I have not received anything else, no agreement, no copies of default notices, no notice of assignment of debt to a debt collection agency, no notices of default charges levied, although the statement does show a few of these but none of the so called "Collection Charges" as shown on the documents attached above. Thank you.