What should I do?

[stirling]

Well it had to happen. My pay this month has been totally screwed up and I'm about £400 short. I'm left with virtually the exact amount in my acount, as goes out in direct debits tomorrow. Do I call my IP to request a payment break which will only get me £228 saved or do I call my mortgage company and ask them if I can pay £400 less and repay them at an extra £50 a month for the next 8 months? My mortgage is up to date.

[Declan at DebtFreeDirect]

Hi Sterling
I’m assuming this is an error on behalf of your employer? If it is, is it likely to be rectified this month?
Best thing to do is speak to your IP as soon as possible and let him / her know what’s happening.

Thanks

[stirling]

It is an error by my employer, but unfortunatly not one that I will get back at a later date. They realised and explained to me that I'd been overpaid in previous months.Therefore they recovered it this month.

[Michael Peoples]

Your mortgage is very important and your IP will almost certainly allow a short payment break of a month or two. These payments can be added on to the end if not made up beforehand.

[MelanieGiles]

I agree with Michael, but do make up the shortfall as soon as you can.

[kallis3]

I agree as well. However I think it is bad of your employer to just claw it back without explaining first what is happening.

[Shining]

stirling that is awful for them to take it back in one lump sum I think, they've been paying it over x amount of months so should give you the same grace to repay it.

This week my husband and the team all 12 of them, were called into their office and told they had ALL been deducted £10 from their wages due to someone putting some stuff in a wrong skip?? That £10 is vital to my budget and I'm sure some of the others, not sure how the employment law stands on this one but I'm onto it although I doubt my hubby will challenge it as he just isn't as mouthy as me! How dare they take £120 from their employees?

[Julie]

Hi Stirling - hope you get a soultion from your IP. How awful for your employer to deduct the overpayment, a: in one lump sum and b: without consultation.

In the very least they should have discussed an agreement with you.

Lesley - I've sent you an email on hubby's situation [;)]

[Shining]

Received Julie, replied and link noted for printing, thank you you're a star x

[Julie]

glad to be able to help Lesley - hope it works.

[MelanieGiles]

I can only imagine what Julie's advice is - but I cannot believe that this firm have done something of this nature. It has to be illegal, surely?

[Julie]

Yes Melanie -it certainly is against employment law. There are few reasons why an employer can legally make deductions from salary and Lesley's query is not one.I've sent Lesley some pointers and a link that hopefully will make the employer return the money.........or else [:D]

[Shining]

I would like to think they'll refund it but I won't hold my breath...I think it's a small firm and they're frightened of losing their job or their life becoming unbearable and being forced out or similar. I can see my husbands point as I don't want/need him to lose his job or become unhappy in it but I don't see why he should pay for an error he hasn't made.

[kallis3]

Lesley, that's terrible. I hope your hubby manages to get something sorted.

[MelanieGiles]

Don't let them away with it, or else they may make a habit out of it.