Swoosh84
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Get in touch with Fitbit directly, they have a 2 year warranty and they are VERY good. I have the Surge, its known for the strap to come away. I just got in touch with Fitbit and the replaced it with no fuss and without returning the original. I've had 3 replacements already Replacements arrived without a couple of days!
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Group Income Protection Denied
Swoosh84 replied to clarkenuttal's topic in Employment and minimum wage problems
I'm a broker and work with these sort of products. There will be no need for a SAR, if he speaks with his employer they will be able to arrange for all the medical notes to be sent onto his GP. The insurers will not send it anywhere other than the registered GP. You have every right to appeal and from experience they are successful. But you MUST provide additional information along with the appeal such as GP notes and other evidence. J -
Note this thread mentions Netflix. I currently don't have any TV Arial so have no way of watching live TV. I was cancelling the TV licence with effect of 1st June but I do use Netflix and Amazon Prime Video. Are these allowed without a licence?
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BT Price Increase July 2016
Swoosh84 replied to Swoosh84's topic in Broadband and other Internet issues
Perfect, thank you for your prompt and comprehensive response. In this instance BT are increasing prices for both the Line Rental and Broadband so I should be OK to cancel all! J -
Received an email from BT confirming that my contract will be increasing by £3.50pm from July 2016. I understand that even though I am in contract I can still refuse this increase and leave the contract early, can anyone confirm? Their email states "if you're within your minimum term and want to cancel, you'll need to give us a call within 30 days of getting this email to avoid paying a charge for leaving early.". I assume if I call they will offer to remove the £3.50pm, does anyone know if I can still reject this and leave? I am looking for a way out of this contract so this seems like a golden opportunity. Thanks, J
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Hi All, I'm being chased for an amount of £100.10 by Moorcroft on behalf of EE (formally Orange). Back in 2012 we took got a mobile broadband dongle for business purposes on a business contract (or at least i believed i was). This was done so on a 1 month rolling contract. The business is no longer trading hence why this was cancelled about 4 months back. I attach a copy of the contract signed. As you can see it does say customer type 'Limited Company' but my name is under customer information. Can i be chased for this amount personally? My biggest concern is my personal credit rating. The amount they are chasing also seems high giving the monthly amount was £35 but the contract clearly states it was only for 1 month. The initial contract was for 1 month and it was kept for much longer than this. Thanks
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- What types of goods are you selling, are they brand goods that the manufacturer may not allow or goods that may be considered counterfeit? - Have you logged on from anywhere else? Such as another house who may also sell on Ebay? Even WiFi?
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Couple of questions: - Did you submit a claim while still in the deferred period? - What is the definition of incapacity on your policy? - What is the nature of your illness? It would be useful if you could scan up the policy documents for your cover, please ensure you block out all sensitive information. James~
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It does - The debt personally belongs to you and as a sole trader the van also belongs to you. If you were a Ltd company then the van would belong to the company and not yourself so could not be touched. From the sounds of things they may very well be able to take the van. There may be rules regarding taking work 'tools' but this is not my area of expertise, others will no doubt be along shortly with some advice on the personal side of things. J
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Is your business a limited company or are you a sole trader?
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Did you issue your customers with any sort of terms for the said order. While my company does not ship orders in the region of £1,500 we receive loads of this value and more. Reading the terms from the supplier, all of them have clauses which state missing or damaged orders must be reported within 30 days. In anycase, the main fall back would be that the company is the one that handled the transaction is liable. You have no liability as a director unless it was fraudulent which would be impossible to provide.
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While I am not able to assist on general 'personal' advice, bankruptcy will affect your current on-line business. If this is a Limited Company then the company will be wound up as a result of your bankruptcy by the official receiver. If you are a sole trader then any stock you may have will be sold by the official receiver. If its a Limited company you should resign and appoint another director to run the said business, remember to sell your shares too. Remember, technically speaking you are not allowed to run or promote any limited company until your bankruptcy is discharged.
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Outlook Express - Message returned to sender !!!
Swoosh84 replied to citizenB's topic in Broadband and other Internet issues
Outlook Express is simply a viewer of your emails, they will be stored on a server elsewhere. You should be able to type in a URL in the address bar to gain direct access to your emails. From your post it sounds like you know this and are unable to access this with your password. So it does sound like it may have been hacked. Attempt to do a password reset if the option is available. When logged in, you should be able to access and outbox here which will show all the emails that have been sent directly at the source as opposed to through Express. -
Outlook Express - Message returned to sender !!!
Swoosh84 replied to citizenB's topic in Broadband and other Internet issues
It usually only prompts for your password if it has been changed. Its worth checking that your actual inbox has not been hacked. They could be sending this Spam from your email address directly. Is this a gmail or hotmail account? -
From reading the thread the only creditor is the Advertising Company/HCEO and with a debit of £944.00. Its extremely unlikely that they will initiate winding up proceedings as it will cost in excess of this amount and there is little hope of them securing the original sum back let alone the winding up fees. The original poster needs to cease trading for 3 months and then submit a DS01, chances are there will be an objection to the strike off by either the HCEO or HMRC. If that's the case then they will need to wait a further 3 months and submit the DS01 again. They can keep objecting but unless they take it further (extremely unlikely) companies house will eventually strike the company off regardless.
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PHI is also known is Income Protection, they may understand this term better. The scheme you are in is a Group Income Protection scheme and is arranged by your employer. The specific scheme will have been sent up to pay you a fixed percentage of your salary in the event that you are off work after a certain amount of time with an illness or injury. While the benefit on offer can vary from scheme to scheme, the vast majority of income protection schemes are set up to exclude ESA & WRAC payments as its cheaper for your employer, from the sounds of things this is the type you are in so this will be deducted from your insurer payments regardless of the fact that you may not be receiving it. So you should be receiving what ever percentage the scheme is set up minus the ESA & WRAC amount which is £5,624 for the 2014/15 year.
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Dear Sirs, Re XXXXXXXX Ltd It is with deep regret that I must inform you that the above company has ceased trading due to becoming insolvent. The difficult decision to cease all trading activities has been forced upon me so as to comply fully with my responsibilities in law as a company director. Unfortunately the company has insufficient realisable assets and no funds with which to appoint an insolvency practitioner and thereby initiate a voluntary liquidation. I am not in a financial position to fund this personally, having now lost my livelihood. The company therefore, will now lie in a state of ‘limbo’ until either Companies House strike it from the register or a creditor winds it up through the High Court, leading to the Official Receiver being appointed as liquidator. As you are a creditor of the company I would ask that you consider taking this step so as to bring about the early resolution of the company’s affairs. Yours faithfully, Director XXXXXXXXX Ltd
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6 Year Backdated Bill - £26,575
Swoosh84 replied to DEC73's topic in Utilities - Gas, Electricity, Water
As a Limited company, the good news is the debt will not fall back on yourself personally. In this instance, if this is a bill that cannot be paid by your company then it very much sounds like your company may be insolvent. If a company is not able to meet its obligations then its the legal duty of the directors to cease trading. Ok - This may sound scary but could also be a complete solution to your problem. If a company ceases trading, this water debt will die with it. There is nothing stopping you from creating a completely brand new Limited company once again, free from this debt. Giving the circumstances and giving how long you have been in the property, I suspect your existing landlord would be willing to transfer the lease for your property over to a new co. There are other factors to take into account. I am assuming you would have a fair amount of assets giving its a fitness club. Are these assets owned by the company or are the leased or on finance? If owned, your best bet would be to get a couple of auctioneers round to value your stock, the value of the stock at auction would be around 25% of the actual value so the new company could pick this up cheap. If leased, the company leasing them to you will no doubt have no problems assigning them to a new company as opposed to arranging collection ect. There are other factors to consider, such as the Directors Loan Account, if this is overdrawn it may need paying back if anyone decided to appoint an Insolvency Practitioner. You will also need your members to sign a new contract with the new Ltd company. Although this option is not everyones cup of tea, you could very much end up better off dependant on how it plays out. -
6 Year Backdated Bill - £26,575
Swoosh84 replied to DEC73's topic in Utilities - Gas, Electricity, Water
Is the business a Limited company and how much assets does the company have? -
I had the very same issue on Tuesday with Kwik Fit, I had used them before for one of my other motors and all was fine and as expected. Woke up Monday morning to a warning on the dash about my tire being flat. So promptly headed round to the garage to pump up. Same light again on Tuesday morning. Figured the tyre was punctured so looked around for prices. Kwik Fit being a stone throw away from my work I figured I would use them again so I could leave the car and head back to work. Priced the tyre on their website as £244.50. A bit more expensive than another garage in Edinburgh by the name of Farmers Autocare who were quoting £221.00. Went along, they had a look and showed me a large screw through the tyre and let me know it needed replacing. Went back to the office and they then stated it would cost me £290.00? Questioned this as their website stated £244.50, boy had a look and said "I've found the £244.50, it has a different tread", I stated I was not fussed about the tread. He then said that we would just call it £250... Not having any of their crap, I went the extra couple of mile and headed to Farmers and got it done for the £221.00, exact same tread from Farmers as well! Needless to say, I wont be back at Kwik Fit again...
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Sounds strange, it would be worthwhile if you could scan/photograph the said documents and posting them here. Be sure to remove any personal information from them. Someone more clued up will no doubt be along shortly who may have heard of such a process.
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Is the amount definitely being deducted from your final pay? Employers NI is obviously for the employer to pay. Having looked at some of my staff's wage slips, each one of them details both Employers NI and Employees NI. However, only Employees NI is deducted form the total. The Employer NI is there for information purposes only.
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It will be a virus and it will be from neither littlwoods or Halifax. There have been many of these going round of late and the email addresses have just been masked to appear from genuine addresses. However, its relatively easy to send an email to someone and make it appear as though its coming from someone else.
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Wages Owed and Getting Nowhere
Swoosh84 replied to ca$$y123's topic in Employment and minimum wage problems
I'm afraid they can do this, it may not all be all legal but the only way to know for sure is to appoint an insolvency practitioner. As the said company does not have the funds to do so this would need to be done by yourself. This can cost upwards of £5,000, if the practitioner finds anything wrong with the company books and there are funds to be recovered then you may get this money back but its a gamble at best. As you have objected, the director can apply for the company to be struck off again in 3 months time. You can reject again but if you keep rejecting without taking it further then companies house will eventually ignore your rejection. The director is correct in stating that any judgement made will be against the former limited company and not himself nor the new limited company so any bailiffs won't be able to touch anything unless they belong to the old limited company. -
They are within there rights to charge business rates for the full amount of the remaining lease. Which in this case would be the 6 months notice on the contract (if this is what the contract states). However, if you can confirm to the local authority that the property was empty, then it is excempt from business rates for 3 months. £17k does sound like a large amount for business rates, please do confirm the rateable value as there may have been small business relief to claim on this amount. You should also read up on the Local Government and Finance Act 1988 section 49 as your local authority has the ability to write off this debt in hardship cases and it would be worth while appealing to their better nature.
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