The WaybackMachine search is here:- Internet Archive Wayback Machine H

As an aside, the RIDDOR regulations also require an employer to report an incident that could have led to accident or injury. For example; a brick is accidently knocked off a scaffold and hits the ground where someone could have been standing - this is reportable. Or if you had to swerve on Company premises to miss a piece of debris or a pothole. The fact that you might be unhurt is NOT the issue. Bottom line all employers should have a dedicated individual appointed to carry out Risk Assessments and if more than 5 employees, a written Health and Policy presented to all and more importantly constantly reviewed and updated. If you have sustained illness or injury in connection with your employment you COULD make a claim against the company's Employers Liability (EL) insurance - details on the displayed (A legal requirement) EL certificate. Good luck!

Do you have a domestic insurance policy (Buildings and/or contents)? If so, it might be worth reporting the incident to to them as these covers NORMALLY include a 'Family Liabilities' section which would NORMALLY cover you, IF your child was held responsible for the accident. It's worth getting them to note their records, in case it 'blows up' at a future date! Trust all are OK? H

Hi Suzi,, Have you checked HPI (Hire Purchase Information) with BOTH the registration number AND the VIN number. I say this as I bought a car on HP three years ago and the HP agreement shows an incorrect registration number - I told the suppling dealer and the HP company at the time, but they both failed to correct. All correspondence since, still shows the wrong registration number. I checked my correct registration on the HPI site - all clear of finance!!! However, for the 'full' warranted check you have to enter the VIN number - this correctly showed the HP in place. Despite my efforts some other vehicle registered new about the same time will show outstanding HP on a basic check! Data Protection is not an issue here, if you pay to do an HPI check (or better still get the delaer to do it for you) this will disclose the finance company and the HP contract number. H

See Actons' Principals here: The Law Society - Find a solicitor

Alternately, try:- Yahoo! Babel Fish - Text Translation and Web Page Translation

Congratulations! To the victor the spoils! Feels good, doesn't it? Siverdel 1, Corporate Monster of Biffa 0

I have to agree with you Gyzmo, 100% 27 years in insurance - until last week when made redundant - Hey Ho!

Don't hold your breath!

See here:- Sue them! Judge backs woman who took on might of British Gas | Mail Online Sue them, judge tells woman who took on might of British Gas A judge yesterday praised a woman for fighting back against British Gas after the company deluged her with bills and threatening letters for money she did not owe. Lisa Ferguson was also told she could pursue her David and Goliath-style legal campaign and sue the energy giant for harassment. She is seeking £10,000 in damages for distress, anxiety and financial loss. British Gas sent 47-year-old Mrs Ferguson a stream of bills for eight months after she switched her account to another supplier. The firm threatened to disconnect her supply, send in debt collectors, take her to court and have her credit rating blacklisted. But the self-employed property investor, whose business would have faced ruin if she had been blacklisted, refused to lie down and has risked at least £70,000 of her own money to pursue the case in court. She has already run up legal bills of £35,000. Three Appeal Court judges backed her two year legal campaign yesterday, ruling that British Gas could not stop her from trying to sue for harassment. They dismissed an appeal by the firm against a High Court decision last year that she could bring a case. Lord Justice Jacob said: 'It is one of the glories of this country that every now and then one of its citizens is prepared to take a stand against the big battalions of government or industry. Such a person is Lisa Ferguson Mrs Ferguson, from Bromley, South-East London, told the court that a simple decision to change gas suppliers in May 2006 had led to months of harassment from British Gas. She switched to German-owned npower but was sent a string of incorrect bills from British Gas asking for hundreds of pounds that she did not owe. When the businesswoman refused to pay and sent proof she had changed supplier, the energy giant repeatedly threatened to cut off her supply, start legal proceedings against her and report her to the credit rating agencies. It even sent one letter out on Christmas Day. It took five months for the supplier to say sorry for its actions, but then five days after receiving its apology Mrs Ferguson was sent another wrong bill, for £253. Lord Justice Jacob said the months of problems had left the businesswoman in 'a state of considerable anxiety'. He told the Civil Appeal Court in London: 'British Gas sent Ms Ferguson bill after bill and threatening letter after threatening letter. She wrote letter after letter pointing out that she had no account with British Gas. She made phone calls, with all the difficulty of getting through, but to no avail. 'Mainly her letters received no response. Sometimes she received apologies and assurances that the matter would be dealt with. But then the bills and threats continued. 'She complained to (consumer watchdog) Energy-Watch. She wrote to the chairman (of British Gas) twice with no response. 'She says she wasted many hours and, more importantly, was brought to a state of considerable anxiety, not knowing whether the gasman would come at any time to cut her off, whether she would have legal proceedings served upon her or whether she would be, or already had been, reported to a credit rating agency.' British Gas denies its actions amounted to harassment. It claims that - because its bills and letters of demand were computer-generated - Mrs Ferguson cannot prove that the company knew she was suffering harassment. Lord Justice Jacob, sitting with two other judges, ruled Mrs Ferguson was entitled to take the case to a civil court trial. He said she had pledged to give a large part of any damages to charity. 'Ms Ferguson's principal object is to bring British Gas to book,' he said. 'In her words, they should "not simply blame information technology. They should instead start taking responsibility for the running of their company in a competent, honest and ethical manner".' He added: 'Real people are responsible for programming and entering material into the computer. 'Moreover, the threats and demands were to be read by a real person, not by a computer. A real person is likely to suffer real anxiety and distress if threatened in the way which Ms Ferguson was.' Outside court, Mrs Ferguson refused to discuss the case for fear of prejudicing the harassment trial, which will be heard at a later date. But earlier she said: 'It's about principle. It's blighted my life for two years. They can't go around treating people like this.' Eight years ago a judge dismissed a case of harassment against British Gas brought by a customer in London. Pam Spooner, from Pimlico, had claimed the firm harassed her by pursuing her for unpaid bills for three years without providing an accurate bill.

Thieving bar stewards! Have a look here:- SAFE - Struggle Against Financial Exploitation Ltd. - SAFE AND BARCLAYS LAUNCH SHARED APPRECIATION MORTGAGE HARDSHIP SCHEME

Bump

Hi, If you haven't got Microsoft Excel package on your PC, why not download Open Office free of charge and use that? OpenOffice.org - The Free and Open Productivity Suite

Hi, Check the meter serial number is the same as on the bill and check the current meter reading is a similar level to that on the bill. The BBC Watchdog program this week featured customers whose Economy 7 (Cheaper rate) meter readings were swopped with the regular meter reading. Do check! H

Nice find! Creased me up! Please, please people, do not send a complimentary sugar covered doughnut to a DCA when responding in writing! Not sure whether these had a strawberry or apple filling? However, the boys in blue might have to call for a doughnut amnesty before too long! As Homer Simpson would say, doh! H

The fishermen of Helford in South Cornwall have for years been attempting to seek approval and funding to build a small jetty and access in order that they can load/unload their small fishing boats. Currently they have to moor in the estuary and carry everything to land by a small dinghy! Rather contrary to Health and Safety and more importantly, sheer hard graft. Having secured funding and now having obtained 100% support from the local District Council, planning permission has now been granted. Result? Well not so! The majority of homes in this beautiful riverside location are holiday/second (or multiple!) homes which are rarely occupied, these owners have now banded together to form a Limited Liability Company; Helford Village Society to fight the fishermen's plans and it is estimated create an enormous bill for Kerrier District Council to fight it! Beggars belief insofar as Helford is an historic FISHING VILLAGE! Should you have a view on this type of action which is not isolated to Helford, but many communities thoughout the UK where second/holiday dominate, please visit the Facebook page. Thank you. I support the people of Helford who want to build a Jetty | Facebook Article here: BBC NEWS | England | Cornwall | Hundreds back fishing jetty fight

Just 'Google' it!

FYI From the archives! A familiar scenario? H Serious Fraud Office | Three jailed in a luxury car hire fraud

Just announced empiredirect gone into administration See here: Empire Direct H

Hi, Not been mentioned, so far, but consult a trichologist The Institute of Trichologists H

Well, I don't think that they asked the US Justice Department. :D:D The US Justice Department said the London based bank had acknowledged "criminal conduct" (Source: Sky News) Oh well, looks like H M Government (Read; you and me) will be bailing them out again. Where is Angela Knight as representative of the British Bankers Association to comment when you 'need' her? Incidently, Angela's profile on ZoomInfo used to mention her former (Now resigned) Non-Executive Directorship of Lloyds TSB, it seems that this chapter of her career has now disappeared? Strange! Person Profile: Angela Knight H

See here:- BBC NEWS | World | Americas | Lloyds pays $350m to end US case

Congratulations! A burden off your shoulders! H

Congratulations! A burden off your shoulders! H

Hi, Have a look here:- The Association Of British Insurers and here:- www.cila.co.uk/files/Technical%20Bulletin%2014%20-%20Domestic%20Subsidence%20Agreement.doc