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About Beanie1

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  1. forgive me if my knowledge on this is a little rusty but im sure someone else will be along to offer their advice. My own thoughts are that if an insurance company has hired an external consultant then they should still be bound within FSA regulations to make you aware the call may be recorded for staff training and joint protection etc. It may be the call wasnt being recorded. did you get the company name? a number? phone them back and check if all calls are recorded, if they are you are within your right to request a copy of the call.
  2. The horrible thing about it is that if it was one of your friends that did it in your home they could claim off your liability as owner of the property... its a shame its not geared up to protect you.
  3. Heres the official statement from No.10 regarding the Licence fee I signed a petition to get rid of it but looks like it will stay for quite a few years yet We received a petition asking: “We the undersigned petition the Prime Minister to abolish the UK TV licence and permit advertising and other means of finance generation to the BBC.” Details of Petition: “Independent economic research analysis and investigations by consumer protection organisations such as the National Consumers Council have consistently concluded, for many years, that the UK TV licence is a levy which is regressive in its financial impact on the poor. This gross iniquity is perpetuated in essence by the UK Government upon its most vulnerable citizens. This situation is even more outrageous in an age when the poor may receive only 5 terrestial TV channels, for which the TV licence contributes to the cost of only BBC output, yet the more wealthy within the UK tend to enjoy dozens, or even hundreds of digital or satellite TV channels at comparatively little extra cost to them per channel. This petition accordingly urges the Government to abolish the UK TV licence and allow the BBC to make use of all lawful, reasonable, modern means of capital and revenue generation including share issues, property equity stakes and loans and advertising on BBC TV, radio and internet broadcasts.” · Read the petition · Petitions homepage Read the Government’s response During the latest review of the BBC’s Royal Charter (completed in 2006), the Government considered whether the television licence was still the best way to fund the Corporation. We also sought the views of members of the public on this and other BBC issues as part of the Charter Review consultations. When compared with the alternatives, the television licence fee was widely considered to be the best way to pay for the BBC for the period of the new Charter that is to say until 2016. None of the alternative funding options would enable the BBC to continue to provide its full range of public services while safeguarding the Corporation’s independence. It was therefore agreed that no changes would be made. We intend to review the scope for alternative funding mechanisms once we have the conclusions of Ofcom’s review of public service broadcasting (due to be completed in 2009). This will take in account the final costs of switchover and the outcome of the wider review of Public Service Broadcasting (PSB) funding to which the Government committed in the Charter Review White Paper. Further information about Charter Review and the Green Paper and White Paper consultations are available on the Charter Review website at The BBC Charter Review Website.
  4. Hi, just want to throw a different slant on this and ask a couple of questions. Q1, On what date did CIS cancel your insurance, i know it was from 10th July but when did they actually process the cancellation? Q2, did you/your dad receive a charge from the bank due to insufficient funds?
  5. Hiya, sorry to hear of your troubles with your employers. You dont say what sector you work in so cant comment on which union would be suited to you but they should really be complying with EU working time directives as below. Is it a large company with a HR dept? or a small local company? but thats not really the point you should still be able to request your own dates for hols SECTION II - MINIMUM REST PERIODS - OTHER ASPECTS OF THE ORGANISATION OF WORKING TIME Article 3 - Daily rest Member States shall take the measures necessary to ensure that every worker is entitled to a minimum daily rest period of 11 consecutive hours per 24-hour period.
  6. Hi there and sorry to hear of your problems. To address your first point, when taking out insurance in the uk you must disclose any previous convictions (whether driving or criminal) to your potential insurer and you should have been asked this when obtaining your quote whether over the phone or online. Failure to disclose this information may result in the voidance (cancellation) of your policy back to the inception date and all monies paid would then be returned. A couple of questions - 1) -why are the insurers awaiting a letter from the police if they have already made the decision to cancel your policy and on what grounds are they cancelling it? 2) - Why did the police stop you in the first instance? With regards to fraud (and im no expert here) I would have thought that only the insurer could take you to court for attempted fraud, and the police can only take you to court for driving with no insurance ? anyone else have any views on this?
  7. Not entirely sure what DL do with the letter. Different companies have different procedures. At my own company we update the system with last insurer and correct NCB then use secure disposal. DL may keep them on file.
  8. Hiya, Direct line have no obligation to provide written proof of NCD as you technically havent been insured by them if you cancel in the 14 day period. You need the proof you sent in to them returned to you or ask your last insurer to send you another confirmation letter.
  9. thanks for the replies folks, gonna skip this one I think. A few years ago I would have gone for it, after being a member of this forum and seeing others getting into stuff I think its wise to seek advice before committing to anything. Thanks again
  10. Hiya, Apologies if this is in the wrong forum. My wife applied online at the weekend for a loan and Advantage loans have now written to us advising that they have secured a creditor and all we need to pay is £49.99 to arrange the loan. In the letter there is no consumer credit act or DD guarantee. I am a bit dubious about them asking for an arrangement fee so backed out until I have looked for further advice A quick search on the internet and it seems they are a trading company of CGS Post Net (who?) and there are a lot of negative comments around regarding post net. Has anyone any experience of using Advantage loans or Cgs Post net and are they a company to be trusted?
  11. Not sure about this one, the OP has obviously sent them his own details to their customer service department email address (assuming he has also given them his Talk Talk account number). When Talk Talk have replied to the original email they are not breaching DPA. The below is DPA extract regarding email from the cabinet office website Emails, both incoming and outgoing, are covered by the Data Protection Act 1998 (DPA) if one or other of the following criteria is met: the sender or recipient is identifiable, either through their email address or the text of the email; or the text of the email contains personal data, ie facts, opinions or intentions about identifiable living individuals
  12. Hiya, sorry to hear about the hefty cancellation fee. A couple of questions. 1) did you take the quotation out with a broker or a direct insurer? 2) Was this quote accepted online, over the phone or face to face?
  13. hiya, you can take anyone in with you but you need to check the guidelines. In my place of work, the witness cannot answer questions on their behalf or have any input into the meeting but can ask for a break/adjournment at any point.
  14. You may still get to keep your current position, dont give up hope. Do you have an unblemished record with them? I have recently taken someone to Disciplinary on a Gross misc, they got away with a final written warning. They had done the same as yourself, admitted faults and apologised. You seem to have given in to dismissal and although you havent mentioned what they are taking you for this is only a last option for an employer should there be no option to retrain, reduce responsibility or have reason to suspect you would continue to be a risk to the business. The other option is to check whether they have done everything by the book, and dont forget you have the right to appeal. Have they given you a date yet for the hearing?
  15. Yeah, we all fall for dirty tricks at some point but one thing is for sure, they wont do it to me again without assurances and a permanent role in the higher salary bracket written in to my contract. All the best
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