See here:- BBC News - Debt firm to create 100 new jobs

No problem! I'm sure that the Site Team will be putting their own slant on this work and making a site announcement with a fanfare!

This paragraph mentions it......very briefly! "The basis for court claims After the Supreme Court decision, we hired a top banking QC (see MSE hires top QC archive news story) to suggest possible new grounds for reclaiming to us. They were just thought papers, and at this stage are untried (although in Feb 2010 a judge in Scotland allowed the amended arguments to be submitted) therefore there is no way to know whether they will be successful or not – the law is a fickle beast. However we have adapted the arguments and other sources and used them to draft up our sample Particulars of Claim (the part of a claim that mentions the legal argument being used)." Source - MSE In that case, it's VERY early days.

MSE have just posted their new Bank Charge Reclaim Guide Bank Charges Court Guide: New legal arguments to take on the banks...

MSE has just posted their new Bank Charges Refund Guide Bank Charges Court Guide: New legal arguments to take on the banks...

@patrickq1 What is it with that woman, Comical Angie, nearly made me splutter my Strongbow all over my keyboard With permission of the Site Team (?), I'd just like to give them a plug after there excellent video! :grin::grin::grin: Video: Watch Strongbow viral video attacking bankers | Media | guardian.co.uk I know most will have seen this before, but we all need a laugh now and then!

@debbbbsy I have to agree with you, when I lived in West Devon until recently, Geoffrey Cox QC (MP) was very good at sending out an acknowledgement card, but never got a response or reply at all

Vicky, I would say that you are now coping VERY well! You have come onto to CAG, discovered that they sprout lie after lie and what they say would be funny if they were not so threatening. You now have the upper hand. Bottom line, all these companies threats have been rumbled - IGNORE THESE COMPANIES! Do not telephone the company at all, all in writing, agreed? Bunch of idiots. You've been to the bottom, you know what they are, the only way is up!

The BBC has now picked this up. BBC News - Bank overdraft charges face new legal attack Loved this quote; "It would be inappropriate to comment on any customer case before the courts as it is still part of an ongoing legal process," said a bank spokesman.

It's only a bill, I gave up worrying ages ago, I've got lots and they are multiplying :grin: Anyway, you need the dog to keep idiots like them away! :grin: Chin up! Don't let the bar stewards get you down!

@RDM2006 You are, of course, quite correct! School boy error that I have corrected myself over the years. I'll go and sit on the naughty step now

Very interesting and I will follow forward. Well done GLC! I know this is a Scottish case with repercussions (CCA etc.) However, I have been royally stitched up by Halifax who are part of Royal Bank of Scotland who now may or maynot be part of Lloyds Banking Group (Maybe as this weeks statement doesn't even mention LBG. Bottom line, does the Scottish/English divide even matter as the business (I was going to call it a profession Lol) is so incestuous. H

@Pebsham Hi, I have no doubt that ALL needs to be divulged. The contrary would be for a Company to start filtering what you can and cannot see which goes against the DPA in it's entirity! I worked for an international Insurer for 24 years, in later years we had to ensure that anything written or input to computer systems was not only correct and factual, but abbreviations utilised must not be ambigous to the customer. We were always instructed that anything written on systems, you should be able to say to the customer without causing offence or the like. We had to make decisions based on customer's criminal convictions, past claims, suspicions on information received and the like, yet all had to stand up to possible customer scrutiny. All this decisions were 'For Internal Use only' yet as on relevant filing systems etc., all might have to be revealed! The only exceptions are, if memory serves me right, are the 'Access to Medical Records Acts'.

Hi, Please bear in mind that any Compromise Agreement [CA] (if you decide to go down that route) will be instead of any compensation payment not as well as. A CA will normally absolve the employer in respect of any claim arising from a vast number of issues. H

Hi, So the designated first aider dealt and put the incident in the accident book, Mrs Soap was then off work for 6 weeks plus (When you started this thread). The employer had 10 days to report this incident to RIDDOR which they failed to do, you notified in their absence. Bottom line the employer has committed a criminal offence and is now trying to say that you are in the wrong! Unbelievable. I have to say it's not looking good for them! Go for it!

Follow elpulpo's advice. Blunt question - Is there actually an entry in the accident book?

1jasmine, best to start your own thread in the insurance forum! All insurers have their own rules. Might be worth approaching a Broker. It might be better to insure a specific vehicle (if possible) with the Polish driver specifically disclosed to insurers. H

Hi all! Heliosuk, I work alongside the motor trade in the West Country and would agree with you 100%! I flagged up the original post for editing of personal information to protect emulife, not the garage chain concerned. We can advise without knowing the names. Emulife, you have taken the most important step in coming to terms that there is a serious issue by approaching the Line Manager. No one wants to 'rock the boat', but no one should be put in this position at work Chins up, things can only get better. You're in the best place now.

Hi all, It's the first time that I have seen/read this thread. Back to basics! Question: When the original accident occurred was it reported to the line manager and an entry put in the accident book? Such MUST be available to all staff, the appropriate managers AND the HSE. If in the accident book and a more than 3 day sickness absence then the employer MUST report to RIDDOR. If they have failed to do this then any court in the land will look at your compensation claim favourably. The HSE has a legal right to see all papers relating to this accident. With regard to the circumstances giving rise to this accident. Was this procedure a regular occurance or a one off. If regular, what training and equipment was given, if any. Bottom line, had any Risk Assessment of this procedure been undertaken? The absence of a Risk Assessment for this task will work in your favour with regard to compensation. H & S is my area, employment law not a strength! However, it does strike me that they are on a VERY sticky wicket given their treatment of your good lady. I hope that she is on the road to recovery.

Link to the FT article here:- FT.com / UK / Politics & policy - RBS book left fears of illegality unresolved

Hi Rooster! ...and the title?

GM, Have a look here? Services we inspect or regulate / About us / Ofsted home / Ofsted - Ofsted

Hi Fred, Now I know that these companies like to dip their toes in other people's area of expertise, so I thought that a look at the FSA register might be in order - it's all in the public domain, so have a look for lots of snippets here! Lol FSA Register

Just a quick observation. If the television was brand new, isn't the retailer obliged under the Communications Act to fill out a return to the TV Licensing people so that they can hassle the purchaser (Sorry, I meant check that there is a licence in force! Lol). If he didn't do this, then the set must be second hand?

If the Landlord/His Insurer's have asked, then I regret to say, it's worthwhile telling him/them. It really depends on what your Tenancy Agreement says, but I would err on the side of caution! Insurers do tend to deem bankruptcy as a 'Material Fact'.