Erm, statutory grievance procedures are internal. It doesn't matter one jot whether the firm chooses the mininum statutory standards or their own. You're confusing the issue big time. They are still internal. Also, there is confusion about dates here, you are supposed to claim from tribual within 3 months of the ACT. In this case, this was not done, so the person quite rightfully left as their grievance was not dealt with. They then had a further 3 months from resignation not 6 as you say. That is providing the employers admitted the grievance and disciplinary had not been dealt with. It is amazing how things can turn up in personnel files after an emplolyee has left.

To cut a long story short, I had an endowment with my now ex, partner about 10 years ago. We split, and signed everything over to me. The endowment company kept her name on the policy as a second name for life insurance, I queried this at the time and they said that there was no point in taking her off as it wasn't saving me anything, and assured me that everything was in my name. I tried to get my new partner on some time ago, and was told I couldn't as I had to take out a whole new policy which wasn't worthwhile. Anyway, I received news that she died from natural causes (not to sound callous, but woo hoo, windfall! Sorry but she was a real bitch, she ripped me off for a small fortune, so I call it repayment of loans plus interest), so I telephoned the insurance company. They have assured me that the cover is due to me, and to send in the documentation to claim. A friend who sells insurance told me though that the company may look for a current financial link, which we haven't had for 7 years. I was not informed this at any stage, and am getting a bit worried my claim will be stopped. Has anyone any knowledge on this?

If I was in your position, I would be looking for a refund. Cars that have a list of problems like that tend to be trouble.

I have deferred mine successfully for the past 16. As long as your earnings are below the specified limit, you can defer until the debt is written off. I'm lucky enough to be self employed and I can claim a lot of expenses that others cant to bring my earnings down. I took mine out in the days when students ran up large loans and then declared themselves bankrupt after they completed their education. I think the regulations concerning the repayment of student loans have changed in bankruptcy situations now, not sure.

Just like to say, thanks for all of the guides & sample letter that have been posted on. I just got notification that I am getting £3250 back in fees. It's made my day, thanks again