Speak to ACAS, they are brilliant, and are currently advising me regarding my gross misconduct and disciplinary hearing. If you have a little read up about how disciplinary procedures are supposed to be carried out and what your employers 'legitimate aim' is meant to be, it will put your mind at ease a little. Your employer isn't judge jury and executioner, they have to follow a set procedure.

Understood....theyve had two grand in twelve months thanks mainly to my brother's (mistaken) good intentions, so I would wager theyve covered what they paid Halifax for the debt The reason I mentioned the two defaults, are that they both show up whenever I visit Clearscore or Credit Karma as being detrimental factors. I guess I should register an error notice (or whatever its called) with Equifax and Transunion Thanks as always for the sage advice

And if it isn't clear, IGNORE them.......

ignore everything and once you've done that , ignore again. there is no other option for these 'fake' civil restoration letters. dwf cant do anything they operate for a client... and the client does not take silly individuals to court, too much bad publicitity.

Definitely IGNORE!! Your 2nd upload still has the reference number on, either way you can safely ignore.

I see nothing wrong with what the person from HR has stated. Your actions outside of work hours can be breach of your employment contract. If you are member of a Union ask for help. If not, you may wish to ask a colleague you trust to attend the disciplinary hearing, so they can take notes. If your feel that your health would prevent you from attending this disciplinary hearing, then ask your GP for letter or fit note, stating that you should not attend such meetings for a period.

Time to write a snotty letter then. Do a search of this forum for examples and then post up what you propose sending, we'll help you to refine it. HB

Any benefit awarded can be spent on whatever you like. Care awards are intended to support costs with extra care anyway, but you can spend it however you like. There is also no definition of care and the government would rather pay the poxy carers allowance amount, then pay for actual paid carers as it's the cheaper option.

as for refunding of the warranty, their 'excuse' absolute BS, dx

PM you, thanks

well they would not 'leave a note' on a credit file it would be an unpaid remaining balance... but have not the FOS told them to remove ALL data?

The insurance requirements are unfair and therefore unenforceable terms. First, the delivery companies' insurance is unlawful because it is contrary to section 57 of the Consumer Rights Act 2015 which specifically prohibits the exclusion or limitation of any liability for the failure to take reasonable skill and care. Second, the insurance contract itself is a secondary contract which is also designed to exclude or to limit liability and these kinds of secondary contracts are specifically prohibited by section 72 of the Consumer Rights Act 2015. Third, it cannot be correct that the service provid