I need some help and advice for a work-related problem. This one is quite the reverse to the usual scenario whereby the employer is constantly contacting an employee on long-term sick leave. I work for a large company and have been off work for over twelve months because of ill-health , during this time I have kept in contact with the company through the payroll office on a regular basis by telephone and email to ensure that I was paid. Having been off for so long I have used up all my sick leave and long service leave and have only been getting paid one day per month through annual leave days which I have accrued over the time I have been off. Without any forewarning the company now have not paid me for the last 4 weeks even though I have sent them sick leave forms and doctors certificates and well as annual leave forms. Not once during the entire 15 months I have been off has anyone from any level of management contacted me to inquire when and if I was returning to work, did I need any assistance?, could I perform other duties?, could they do anything to help me?. I have been with the company for over 20 years and my employment record is solid with no black marks of any description on my record. If any anyone can offer any advice on how I should proceed from here that would be greatly appreciated.

Hi Caggers had a look around about Oakam and didn't really find much. Posting this on behalf of the in laws, they had a loan with these people, being OAPs and rising costs they couldn't afford the repayments of about £67 a week (yes I know). I did them a letter back in June with a repayment offer but this just increased the amount of phone calls they got. Then out of the blue after 5 months they got a Default Notice letter. Now from personal experience it doesn't look like a default notice and they refer to another letter that was previously sent to the in laws that was never received. This letter I'm taking for granted would have had the Loan Amount, Default Amount and you have 28 days from this letter to sort out before we issue a DN. Now should I ignore the DN and get a SAR into Oakam for them or challenge the DN so they can reissue it correctly. The letter also said 14 days and its passed to the Debt Collectors, not that I'm bothered and I've told my in laws not to worry if this happens either. I'd just like to know the next best step as reading one of the posts on here, I think my mother in law would have a fatal heart attack if she got a letter via the post asking for 159 grand. Any help as always is much appreciated. PM

help, I've got an overdraft with Natwest bank, we were ok paying it back slowly however my wife's hours reduced drastically at work and I'm self employed, work dropped to nothing over the past couple of years and put us in a situation, we tried to struggle on paying one bill leaving another situation until it came to a head and we contacted a specialist debt management firm, they took all of our details, the debts and sorted it out pretty much, sadly when comes to this it seems Natwest stick their head in the sand and ignore any/all contact from the DMF! Now we've had a letter from Triton DCA, we duly sent it to the firm dealing with it as they hold all our records, they have responded however Triton have ignored this and now a letter has arrived today stating they've advised Natwest to go to county court, all the things to happen, etc etc, I feel it's a threatening letter to say the least but it's quite simple, I can't pay with what I don't have, we went through all our income/outgoings with the DMF and we give them every penny we can do monthly to try to sort things out, we had two catalogues, Natwest bank and CC and a small OD with Barclays (whom are also ignoring contact), my wife had a Barclaycard. is this a bank thing, the two catalogues have instantly agreed to payments as did Barclaycard instantly but Natwest with the OD and CC are ignoring any contact from the DMF and I feel have passed it on to threatening DCA when they've got nowhere themselves, we've sent ALL letters to the DMF and they have copies of the letters sent to Natwest/Triton! I want to send a simple letter, stating simply 'this matter is in the hands of X, please contact them for further details on the matter' kind of thing, send it recorded so I can prove, if it ends up in court that we and indeed our DMF have attempted to sort this out with them before a CC happens! My credit rating is shot anyway thanks to going into a DMP so that's not particularly an issue for me, a CCJ would be discharged over time I know if it came to it, I've accepted that, long term anyway will do me good to be uneligible for credit, it's more the threatening tone throughout the whole letter and specifically their lies that they have had NO contact when they have that's getting to me! Our DMF has told us before that if we feel we wish to that we can send a simple letter stating we are registered with a DMF whom are dealing with all our financial circumstances and debts but I'm not good with written word really so was wondering if anyone has a template to use that says back off, you have had contact, we are registered with a DMF whom you are ignoring, all this information will be brought to court should it go that far, I'm not ignoring the debt, I am willing to pay it when I can, I accept it's my debt and it's to pay but I thought by going with a DMF whom have sent them the nomimal £1 a month until they sort thing that they would accept knowing if we've gone to a DMF we've obviously not got the cash to hand!

Basically I took out a loan with mini credit a last year november time and defaulted. At the time they were hounding me and took several small payments from my account. But they suddenly stopped all contact, stopped taking payments and have blocked my account. Where do i stand with this? Ive sorted out my payday loan hell now all bar these cowboys and dont want it returning to bite me in a few months time. Any advice would be greatly appreciated. Vinnie

hi all just had a call from my boss. .stating she had a call from mmf going to visit her home. ..she told them I don't live there. .was really embarrassed. ..can they do this ..i felt sick knowing they contact her and am being bullied daily by them. ..Im on jobseekers have arrears with my rent ..so all I have is going to them.. .anyadvice. .my boss is really understanding. .but this should not be allowed..

This is a follow on from thread 399587 - as suggested in there. http://www.consumeractiongroup.co.uk/forum/showthread.php?399587-DCA-s-stopped-contacting-me-want-to-set-up-some-form-of-plan-though. Moorcroft were chasing for £400 (error in previous thread, I said £260 - as I'm sure thats the amount asked for in a previous letter.. Yet my Credit Record says £400. ) regarding a PDL taken out at the dreaded W-word. This was taken out 30/04/2012; and then defaulted on 07/08/2012. Moorcroft began attempting to recover this around December or so, and sent out the usual scare-mail, but stopped around March. Since then I haven't heard anything, and I have had a sharp decrease in the amount of phone-calls I've ignored. (If I don't recognise the number, I don't answer.) Surprisingly, simply ignoring them appeared to have put a spanner in the works, and they've stopped chasing it. As circumstances have changed, I've decided to try and put it right, if only to prevent any further action - and perhaps getting the balance down (considering it's reported on my CR as outstanding debt). It will also stop this from hanging over my head and I can stop fearing them coming after me at any time, of having a bad letter in the post or a knock on the door. It's doing my head in a bit to be quite honest with you. My main concerns are: Have they even got the debt or have they sold it on? Are they going to play games when I'm genuinely coming forward to put an end to this situation? If I let sleeping dogs lie, whats the worst case scenario? Essentially I'd like to open contact with whomever owns this debt and: Confirm they are in possession of the debt. (CCA Request?) Confirm that they haven't sold the debt. (SAR?) Confirm that upon paying off the account that they will report the account as settled at £0 to relevant CRAs and provide me with a valid receipt/letter confirming the status of the account (i.e settled. I will ask for this in writing prior to making the first payment?) Is there anything wrong with this idea? If so, who should I contact - the original creditor or the last known collections agency? (I'm guessing the OC!) Are they likely to confirm these things in a reasonable manner, or am I going to have to go the route of "In accordance with OFT guidelines, until I have the requested information it's a deceptive and/or unfair business practice to commence collections activity" and so on?

Hello. I've started on a PPI campaign but have absolutely no records of account numbers so I'm just sending SARs to the credit card companies I remember dealing with. Problem is, some of these companies seem to have had their credit card arm bought out by other companies since my accounts were closed so who do I contact? For example I had an Associates card & a Providian card. Now I don't know what happened to Associates but I do know that Barclaycard bought Providian (after Providian became Monument) but that was after my account was terminated so Barclayclard won't have any record of me, right?

I just wondered how all these companies work after you've paid off a loan, I know someone that's had a few with Wonga, all repaid on time, they tell me they have not had any kind of attempt by Wonga to contact them again, either by e-mail, snail mail, text or phone calls. I doubt this is the norm.

Hi my son bought some tickets and paid for signed for delivery from Ticketmaster, the concert is tomorrow night no tickets have arrived and we can't get through on the phone and actually talk to a person and can't find an email address anywhere. He has called the venue and they won't accept his invoice if he prints it off... Any idea of what he can do?

Hi fellow caggers Does anyone have the direct telephone number of MBNA PPI claims line I found this 0800 08451409 on a thread here but the number is not in use now. I've also tried the Bank Of America line and was just put on hold after asking to be put through to the PPI department..........figures!!!! Am I being realist in trying to phone them to chase up my PPI miss sold claim or would it be wiser to write to them. To be honest FOS have been handling this case for me and they just keep asking me to wait, it's been going on for almost two years now. Fos gave them till 6th December to respond to their findings of upholding the complaint. Lola xx

Hi, like many others i cant cancel my membership for lifestyle fitness(in stoke on trent) i am 5 months into a year contract but have been sacked from my part time job(i am a student) and have no income.. the phone number i have been given just puts you on hold for hrs. i want to write them a letter stating my intentions but cannot find an address, all the gym will give me is the phone number which noone answers.please help(first post so be gentle)

Could someone tell me where on this site to find bank contact details (Santander and EGG). There used to be an easily accessible list in "bank charge" days gone-by. regards Splitty

I use Accueview Moist daily disposables. I have seven contact lens holders and starting with one pair of lenses I use them for a day and then store them in a holder using Tesco or equivalent saline solution. I continue to use a pair a day until all seven holders have been used and then use pair one again. It helps if you put numbers on the holders with indelible ink. I then continue to rotate the lenses and in this way one pair will last me approximately seven uses. The number of time may vary, sometime a pair may only be used twice and may then feel 'gritty' and have to be discarded because they've been used in dusty conditions (or whatever) but others may last longer than 7 days. I've been doing this for many years now without problem, and the (obvious) secret is absolute cleanliness and disinfecting the holders once they have finished their cycle. In this way a month's supply will last me six to seven nonths.

Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already given (or may in future give) to you. does this then mean that if there is a dispute that LTSB cannot enforce to change the 'unsecured' to 'secured' via a CCJ ? then further down it states 'to be considered for a Lloyds Bank Gold Service Payment Card you must sign in the box below' this implies to me the A4 form is an application form and not an agreement, however in the signature box it refers to 'this is a Credit Agreement regulated by the CCA' has anyone else come across this? and what is the position. Thank You

Hi all, Would someone please provide me with names/addresses for Currys or 'Whatever Happens'. In particular the contact details of the C.E.O would be good. I have tried dealing with Gary Perryment, but to no avail. He WON'T reply to emails or letters. I am going to send a LBA requesting their initial engineers report on an item returned to me after they refused to repair it under WH. I will also be requesting a copy of the report from H.M Investiagtions. I will need this as evidence in court. Any help would be appreciated. Thanks to all in advance.

I am in the process of making a claim with tesco credit card under section 75 CCA and have written to them several times since November and not had even an acknowledgement!!! of any of my letters. Now you can contact them by phone, which I tried, using my mobile which is all I have, and cost me about £8 just to get through all the auto speak, to be told, put in writing? and we will get back to you! Apparently there is no email address or one that they will give out, unless somebody knows otherwise? Dealt with banks, most have email contact, but never hit a stone wall like this before. Any ideas?

Hi Everyone! The builders who conducted my house renovation in 2010 cleared off without finishing it. I could never get them to return & they have since gone bankrupt. Clearly they have started up again under a different name I now have water ingress into my living room, destroying the oak floor. The waterproofing specialist who was involved with the job says it is due the builders not building the wall / floor interface correctly and possibly a leak in the DPM. Looking at the damage, he seems to make sense. As the builders are bankrupt I'm lead to believe the NHBC can help but I'm struggling to find a suitable contact number. I'd appreciate anyone's help / advice! Regards Pete

Hello, I got my contract late July ... 24 month contract Samsung galaxy s3--- £31 a month ---5months free redemption every 6 month's Since I got this contract in Aug my internet stopped working for a month ... after numerous calls being hung up on customer service people being rude to me it finally got fixed but no adjustment from my bill after I asked loads of times... Then I have been trying to claim on my insurance for dropping my phone, I needed the iemi number first and last usage and the registration datebof my contract... well it took 5 weeks and many attempts to get this right..(hopefully i managed to get all the information to insurance on time). including sending me some one else's details! And not enough of my own. And now they are saying that I never cancelled the direct debit which I cancelled in august (as I like to phone up and pay when u know I have the money) and taken money out of my account causing overdraft fees. I have had enough of the bad attitude vodaphone have towards me. I rung up today to cancell my contract because all of this and they said it would cost £180 to cancell .. I'm on income support and can't pay that... Does any one know a way of cancelling it considering they have breached privacy and their company has just failed to provide even half decent service to me a service that I am fully paying for. Thank you patsy

Hello Just recieved a distress warrant from Philips Bailiffs. I have called court to ask what this is and whtehr it was genuine as I have not been to court! It turns out it is a failure to notify an alteration, but nobody can tell exactly what that was, only that it was to do with my old address over 5 years ago. Nothing has come to this address and I have therefore not been given the chance to defend myself! I am told I need to get a Statutory Declaration at the nearest Mgistrates court? Has anyone else had this problem? Nikinaki

Hello everyone could anyone point me to the contact addresses (or threads) of Very/ Shop Direct HSBC Barclaycard Santandar? cards/ Dorothy Perkins Thanks

I am trying to pursue a claim for my PPI payments on a HP agreement taken out in 2004 and have found out that due to the age of the agreement the company who sold me the car was not regulated by the FSA, is there any point pursuing the claim against an unregulated company. The PPI payment was one which was added to my loan as a one off payment totaling £925. It was missold on the following grounds. I was told my HP loan would not be successful if i did not take out PPI and GAP Insurance as i was a high Risk Customer (bad credit rating). I was not told the insurance could be purchased from other sources I informed the seller that as i worked for a company that provided FULL PAY for sickness the policy was not needed. The Car Sales company was Called CAR CREDIT UK LTD a subsidiarity of Contact Center finance services, the loan was provided by First response finance but they have already told me to BOG OFF as the agreement is over 6yrs old and they do not need to investigate after this time. Any advice greatly received

Hi, Getting some money back from Egg - not much about £600 - but the clowns seem to be taking much longer than the promised 15 days. Cannot get through to anyone as it cuts you off and tried calling Barclays who are just rude. Know Barclaycard took over Egg but need contact details of the loan bit - email or phone that gets through!

Quick question for those who know the law or tenants rights! Private Tenancy, Assured Short Hold, originally 6 months but now on rolling month by month Should the landlord or landlords agent(s) provide us with a phone number for emergency repairs? They refuse to give one, and at the moment we can only contact the landlord or the agent (have contact details for both) between 9am to 5pm Monday to Friday (excluding public holidays) What would happen if we had a bad leak at 5:01pm on a Friday night, we would be hum-dingered as they say. Thanks in advance David

I had a business account with NW and recently sent them a SAR (and £10 cheque) which they received on 16th August now well in excess of their 40 day requirement I have also now sent them the letter before court action, time period also expired without any contact. Wherer do I go from here?

Just thought I would post this link which gives contact details for various agencies and a list of Council CEOs and their email addresses. http://www.ceoemail.com/uk-government.php#ukcouncils