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What are my options for unpaid wages

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Hi everyone.

I started work on October 4th 2015 and was told I would be paid on the 13th of November as the 15th falls on the weekend, which is the date that they regularly pay employees..I was told since Friday my salary should be in my account, yet there is nothing...My employer is claiming that my wages left their account yet my bank is claiming nothing is on their system. I have a few questions if you can be kind enough to take the time to answer.

What are my options now? can my employer really dismiss this issue by claiming there is nothing more they can do? do they not have a right to trace? unless tracing meant what they said about confirming my salary left their account?

I also re-confirmed a few times already if they have the correct bank details, then again someone in their payroll could have accidentally in putted a wrong digit/number? or is it a case where it is automatically set up from HR i.e. account number and sort code programmed rather then manually inputting it to process payment? or do payroll manually input the account details and sort code when sending payment?

What rights do I have now? I really do not want to threaten them with legal action but surely 4 days late is cause for concern? I have emailed my bank statements to them showing no wages have come in, which they requested. All they tell me is that we have confirmed it left our bank, yet my bank which is Nationwide are claiming nothing is appearing on their system.

Would my employer check if they had sent my wages to the correct account when faced with this issue rather then checking if they left their bank? the only reason me and my bank can think of is they sent it to the wrong account, but surely they would have known that by now when looking into this issue? or are they simply guessing they have the right details and only want to see if my wages left their account?

What can my employer do about this problem? what is the protocol for unpaid pages for the company?I am sure they cannot brush me off by telling me it has gone from their account and nothing more they can do, that is unfair surely?

Lastly they claimed it was through BACS but it should have arrived on the same day the wages got processed as other fellow employees have received theirs. Even if it takes 3 days or so it should show on my bank's system right? which my bank is saying nothing at all is showing on their main system

Can small details such as County address have any bearing in terms of transferring wages? on my pay slip it states another County rather then my own, well where I live I can come under 2 counties but my bank details have County that does not show on the pay slip, but surely that does not make a difference right? as long as sort code, account number and name is correct right?

Any advice and opinions are welcome please.

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